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Ask ten people how they

feel about Valentines

Day and it would be

plausible, if not definite, to get

ten different answers. Some sug-

gest it is a created holiday

only conceived to make money

by manipulating women and

men in its importance. Others(read as single people) take a

more bitter stance to the day

and its in-your-face (you cant

open your eyes without seeing a

heart), over priced flowers (it

does get ridiculous), chocolate

covered everything (well every-

one loves chocolate covered on

something) approach that is

Valentines Day.

Whatever one may think,

in reality the day of love issimply that; one day out of the

year that calls out everybody

and brings his or her feelings to

the forefront. Whether single or

committed, Valentines Day

makes you think about loved

ones. Silly at times with a little

too much focus on the material

aspects of it, February 14th is

not about giving or receiving

gifts, although lately it hasevolved to that. At its core,

Valentines Day is about dedi-

cating yourself unconditionally

to a loved one for 24 hours.

One may say that people

should always treat each other

this way and its true, but unfor-

tunately unrealistic. Too many

times we get caught in the daily

web of work, responsibilities,

and other frivolous tasks thatseem important on any given

day. Valentines Day makes peo-

ple check themselves and

reminds them of what is essen-

tial; why they work hard every

day and night, and that is for

the people we love. If it were up

to most of us we would be on a

beach somewhere not stressing

about tomorrow and loving

today, instead we work hardhour to hour losing countless

nights of sleep, and we do it for

the people we love. I do not see

anything wrong with a day that

reminds us of that.

Happy Valentines Day,

make the best out of it. Love ya!

Valentines Day, a simple reminder By Ryan Banta

Proverbs 3:5,6 God Bless America

February 8, 2012Zone 3, Vol. 10, No. 3

Recycled Paper from 30% Post Consumer WasteProud to Serve the Following Communities: Bloomingdale, Butler, Kinnelon, Lincoln Park,

Montville, Pequannock, Pompton Plains, Pompton Lakes, Riverdale, Smoke Rise, and Wayne

VISIT US ON

OUR WEBSITE

SCHOOL

REGISTRATION

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P.O.Box435

Wayne,NJ07474-0435

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Note: To have your groups

announcement appear in

Community Happenings please

email us the information in aparagraph format to calendar

@lifeandleisurenj.com.

Feb 15

Butler Library will be offer-

ing a Tax Talk with H&R

Block on Wednesday, February15 from 6:00 pm - 7:30 pm,

presented by Max Kalter, EA.

This program will answer all of

your tax questions such as:

Should you file? What is your

filing status? What income is

reportable and which is best,standard deduction vs. item-

ized? Are you receiving the

credits you are due and how

can you get your taxes done for

free? Max is an IRS Enrolled

Agent and H&R Block Master

Tax Advisor. Max has 12 yearsof experience preparing indi-

vidual income tax returns.

Please Note: All of our Adult

Programs are open to those

who are at least 18 years of

age. All programs are free of

charge. Please call or visit the

Library to reserve your place.

Butler Public Library is located

at 1 Ace Road, behind the

municipal building, on the

internet at www.butlerlibrary.org, or by phone 973-

838-3262.

Feb 17

Kids can join us on Friday,

February 17, when school is

out for mid-winter break.

Younger Elementary School

age children ages 4 - 6 can join

us for an afternoon of Dancing

incorporating elements of Jazz,

Hip Hop & CreativeMovement at 1:00 pm for

Move & Groove for Kids.

Dance Instructor, Michele

Theiler will lead older kids

ages 7 - 9 at 2:00 pm for Hip

Hop Jazz for Kids to learn new

Jazz inspired Hip Hop dancemoves. All programs are free

of charge. Please call or visit

the Library to reserve a place if

your child will be attending.




internet at www.butler

library.org, or by phone 973-

838-3262.

Feb 29Join us for a De-cluttering

workshop at Butler Library on

Wednesday, February 29 from

6:00 pm - 7:30 pm, presented

by Dawn Noble, Professional

Organizer & Owner of

Balance and Beyond. Come

to this valuable free workshop

and bring home some tips on

how to go from clutter to clar-

ity. Professional Organizer,

Dawn Noble will help youlearn how to recreate your

space to suit your needs and

bring physical, emotional and

spiritual clarity to your life.

Please Note: All of our Adult


who are at least 18 years ofage. All programs are free of

charge. Please call or visit the

library to reserve your place.






838-3262.

Mar 22

Want to learn more healthyways to eat everyday meals?

Come to this workshop on

Thursday, March 22, 2012

from 6:00 pm - 7:30 pm at

Butler Public Library and let

Dawn Noble, Nurse and

Owner of Balance and

Beyond, teach you how to

plan your meals weekly in

advance in order to get the

most nutrition into your diet

by planning ahead. Learn sim-ple techniques to plan each

meal for each week. Please

visit our website at www.lifeandleisurenj.com February 8, 2012Page 2, Zone 3

CASHONTHESPOT!

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

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

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

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

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In my more than 30 years

in the financial services

industry, I have found

that quite a few people have

no clue about correct andprudent retirement planning

to include: asset accumula-

tion and lifetime income

planning, portfolio manage-

ment, inter-generational

wealth transfer (estate plan-

ning), long-term care plan-

ning, the purchase of disabil-ity insurance - health insur-

ance - liability insurance and

life insurance, mutual funds,

annuities, Medicare and

Social Security benefit plan-

ning, reverse mortgages,

when to refinance a mort-

gage, buying vs. leasing a car,owning vs. renting a home,

pension elections for income

maximization and what to do

with a settlement from a law-

suit, lottery winning or an

inheritance.

So, after careful consid-

eration and thought, I havedecided to solicit financial

questions from my loyal read-

ers of Life and Leisure so that

I may respond to your exact

concerns in this column

every issue. Much like a

Dear Abby or Ann Landers

column, readers may write,send an email, or send a fax

with their question(s) to me

for a response in this publication, for all to benefit. All

questions should include the

name and contact informa-

tion of the requester and

whether or not their name

may be published or omitted

or changed if they wish to

remain anonymous.

Questions may be edited for

privacy or space limitationsfor the responses, with no

limit on the number of ques-

tions that a reader may ask.

I receive inquires and

questions from readers peri-

odically by email, by phone

and some by appointment,

but, never has the thought

occurred to me, until now, to

request a readership wide

audience participation of the

questions and their answersthat either you felt there was

no one to ask or perhaps were


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Who? What? Why? When? Where? How? By Mark Charnet

continued on next page

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Note: All of our Adult


who are at least 18 years of

age. All programs are free of

charge. Please call or visit thelibrary to reserve your place.






838-3262.

Around theCommunityTo celebrate Valentine's Day,

come into the Library between

February 1 and 29 and have a

blind date with a book. Just

choose a wrapped book to bor-

row. You won't know what it

is until you get home! This is

a great opportunity to try read-ing something you might not

normally pick out yourself.

(After about 50 pages - give it

a chance, if you don't like the

book, no problem- just stop

reading and return it to us.

The book's feelings will not be

hurt.) If you enjoy the book,

you can review it using the

review slip inside. Then we'llpost your review in the

Library. Butler Public Library

is located at 1 Ace Road,

too embarrassed to ask or

maybe too hesitant to ask

because of a cost or a fee. In

this case you may ask yourfinancial question without

any reservation or compensa-

tion requirement; so youre

encouraged to send me all

your questions today! If you

would prefer that your ques-

tion and the answer not be

published, simply say so in

your request and we can dis-

cuss it by phone or in person,

with the strictest of confi-

dence. Every attempt will bemade to answer all questions

received, but, no assurances

or guarantees should be

assumed or implied.

Some might find this

question and answer experi-

ment entertaining or humor-

ous to say the least, while

others might find it purely

educational in nature. It is

my goal to keep this fast-

paced, energetic and light-hearted, yet poignant and

accurate. To get everyone

started, there will be a $10.00

gift certificate to a local

eatery for the first ten people

who send in their questions

and I hope you are one of

them! If you would like to

suggest a certain topic within

financial planning that you

would like editorial to be

written about, please include

it with your questions. My

contact info appears below.

Thank you in advance for

your participation.

Mark E. Charnet is President

and Founder of American

Prosperity Group. APG is the

Premier Retirement and Estate

Planning Franchise in the

United States with 16 offices in

8 states. Mr. Charnet has

over thirty years of experience

in the Retirement and Estate

Planning fields. Creator of the

Trinity Method of Investing,Mark encourages your in-

quiries and can be reached at:

877-885-1APG (1274) or

973-831-4424 or via email,

[email protected]

Check out our website:

www.1APG.com Interested in

a career in retirement and

estate planning? Check

out this website:

www.APGFranchise.com

Securities through: BCG Secu-rities, Inc. Member SIPC,

FINRA and a Registered

Investment Advisor.


Who? What? Why? When?

Where? How?

Community Happenings

continued from previous page

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Curvaceous figures

were once coveted

before it became in

vogue to be thin to meet the

concept of modern-day beau-

ty. Although waif models still

dominate the runways at

major fashion shows, it seems

that the plus-size figure is

once again being recognizedand embraced by the fashion

community -- and the world.

Big and beautiful

Sir Peter Paul Rubens

was a 16th and 17th century

Flemish painter, perhaps best

known for selecting women

with curvaceous, voluptuous

figures as the subject matter of

his work. Before the 20th cen-

tury, historians say that

women who were consideredattractive displayed bodies

ripe with curves.

During the periods of

time many refer to as the

Middle Ages and beyond,

plus-size figures were coveted.

Paintings and sculptures of

this time -- those even outside

of Ruben's domain -- clearly

show chubbier figures, which

were considered to be appeal-

ing. That's because one's

weight was often a sign of hisor her social status. Wealthy

people were able to afford and

indulge in the fattening foods

that would pack on the

pounds. Therefore, poor peo-

ple who also may have been

thin were not seen as attrac-

tive. Today these Rubenesque

figures are regarded as being

too fat in areas of the world

where food is plentiful. In

fact, the tides may haveturned completely. Where

weight was once a sign of opu-

lence, today obesity is largely

a problem of the lower class.

But in countries where starva-

tion still occurs, heavier

women are often considered

as being more beautiful.

Thin is in?

Estimates suggest that 8

million Americans have an

eating disorder, although this

number may be higherbecause many people with an

eating disorder fail to disclose

it or seek treatment. A study

by the National Association

of Anorexia Nervosa and

Associated Disorders reported

that 5 to 10 percent of anorex-

ics die within 10 years after

contracting the disease; 18 to

20 percent of anorexics will be

dead after 20 years and only

30 to 40 percent ever fullyrecover.

Although anorexia, bul-

imia and other disorders are

classified as men-

tal illnesses, there

are some women

(and men) who

have attested to

the fact that

media portrayals

of thinness as a

sign of beauty

have impactedtheir body images

on various levels.

Many health ex-

perts have stated

that the prolifera-

tion of eating dis-

orders and depres-

sion over body

image is largely influenced by

the media. Studies have indi-

cated that two out of five

women and one out of fivemen would trade three to five

years of their life to achieve

their weight goals. And 80

percent of women who

answered a past People maga-

zine survey responded that

images of women on televi-sion and in the movies make

them feel insecure.

The rise of plus-size

While no doctor or

health expert will tell you

it is healthy to be obese,

the fact remains that

every person's body is dif-

ferent. There are healthy

women who wear a size 4

and healthy women who

wear a size 14. More and

more people are begin-ning to embrace their

bodies as they are, and

that switch has given rise

to an increase in the

number of plus-size mod-

els and personalities

appearing in major cam-

paigns.

Model Crystal Renn is

just one proponent of the

movement for all sizes to be

viewed as beautiful. Renn,who authored the 2009

"Hungry: A Young Model's

The comeback of the plus-size model


151 Newark Pompton Tpk. Pequannock

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Tues, Wed & Fri 10am-6pm Thurs 10am-8pm Sat 10am-5pm Closed Sunday & Monday


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New Patient

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C

hiropractic doctors

have long held that

posture - meaning

body alignment and balance

- is intimately related to

health. As a chiropractor, I

am encouraged to see medi-

cine is now acknowledging

the power of this relation-

ship.

An article in the

AMERICAN JOURNAL OF

PAIN MANAGEMENT,

entitled "Postural and

Respiratory Modulation of

Autonomic Function, Pain and

Health" by J. Lennon, illus-

trates the gains medicine has

made in recognizing the

effect of posture on health.

Some of the points expressed

include:

Posture, and normal physi-

ology and function, are inter-

related.

Abnormal posture is evi-

dent in patients with chronic

pain-related conditions such

as backache, headache and

stress-related illness.

Posture affects and moder-

ates every physiologic func-

tion, both consciously and

unconsciously, from breath-

ing to hormonal production

to thinking.

It appears homeostasis and

autonomic regulation are

intimately connected with

posture.

Despite the considerable

evidence posture affects

physiology and function, the

significant influence of pos-

ture on health is missed or

not addressed by most physi-

cians.

Helping improve and

maintain correct posture is

one of the primary goals of

chiropractic care. Regular

evaluation of posture and

spinal alignment is vital to

ensuring not only normal

spinal function, but good

health. For this reason, it is

important that chiropractic

care should begin early in

childhood and continuethroughout life.

Has your family been

checked lately?

Drs. Glenn and Christine Foss

are the owners of Advance

Sports Medicine & Chiroprac-

tic Center in Riverdale. Both

doctors have been practicing

chiropractic for over thirteen

years and have been amongst

the communities leading healthcare providers. As innovators

in health care, they have

merged chiropractic and physi-

cal rehabilitative services to-

gether to enhance the quality of

patient care and overall treat-

ment outcome. If you have

any questions for either of the

doctors or would like to sched-

ule a consultation please call

973-616-4555.


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For more information please callMatt at 973-616-4555

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AnxietyAddiction

Depression

Why posture isimportant By Dr. Glenn Foss

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S

pa 23 Health and

Racquet Club, located

on Route 23 South in

Pompton Plains, has

announced the opening of Pure

Massage Spa in December.

Owned and operated by Spa

23, with over thirty

two years of massage

experience, you dont

have to be a member

to take advantage of

affordable massages

offered there. Pure is

managed by Dana

Zaccone, who has

many years of experi-

ence at some of the

areas finest spas.

The goal of Pure

is to exceed the expectations of

their guests, by providing high

quality professional massages

that focus on comfortable per-

sonalized attention, in a relax-

ing luxurious environment, at a

very affordable price.

Pure massage spa offers

several massage options,

including Therapeutic Mas-

sage, Deep Tissue, Sports

Massage, Hot Stone, Thermal

Mud Therapy, plus you can add

Aromatherapy to any massage.

The moment you walk

through the doors of Pure, your

relaxation will begin. From the

tranquil lounge area to the pri-

vate elegant massage rooms,

you will experience a quiet

oasis of calm and serenity. Each

room features relaxing massage

music that can be individually

controlled, a private locker for

clothing, heated powered mas-

sage tables that can be raised

and lowered at the touch of a

button, warm sanitized towels,

warm massage lotion, and sani-

tary eye pillows. No expense

has been spared in offering the

ultimate massage experience.

As you might expect, Pure

has assembled the finest team

of massage professionals to

make sure that every client

request and preference has a

specialist to provide it. Every

therapist on staff is fully

trained, certified, and licensed

by the State of New Jersey, and

is committed to providing

clients with the utmost care,

attention and respect.

Massages are offered

for $49 and $59 for

members of Pure.

Members of Spa 23 can

add a monthly massage

to their membership

for as little as $36 a

month, depending on

the type of member-

ship. Pure is also offer-

ing the public an intro-

ductory one hour mas-

sage for only $49, limit

one per person, but you can

also purchase up to three more

as gifts, now through February

22nd only. Gift Cards never

expire.

Pure is open conveniently

from 9 am until 9 pm Monday

through Friday, and 9 am until

6 pm on Saturday and Sunday.

Additional hours may be avail-

able upon request.

For more information or

to book an appointment, please

call 973-839-8823.


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Conveniently Located On Route 23 SouthAt 615 Route 23 Pompton Plains

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If you're kept awake at night

by someone who snores,

you're not alone. Its esti-

mated that 70 million

Americans snore; and, it

becomes more common as we

age by age 60, more than

half of adults snore.

The log-sawing vibrations

are often the result of air trying

to move through narrowed or

floppy, soft passages in the

mouth, throat and nose. Other

times, the air is obstructed by

anatomical abnormalities, such

as over-sized tonsils or uvula

that punching-bag like thing

that hangs in the back of the

throat.

Ramtin Kassir, M.D., an

ear, nose and throat doctor and

Chairman of the Department

of Otolaryngology at St.

Josephs Wayne Hospital in

Wayne, NJ, says lots of patients

come into his office at the urg-

ing of their partners. They

report being "kicked out" of

their bedrooms for their loud

snoring.

Many men don't even

realize they're doing it, Kassir

says. And, yes, men are twice as

likely as women to snore.

"The reason men are

affected more than women is

likely due to fat distribution.

When men gain weight, it is

usually in the neck, upper torso

and abdomen," he says. "On

the other hand, women usually

gain weight in the hips and

thighs.

Fat in the neck area can

constrict airway passages and

lead to increased snoring. And,

as we age, the soft tissue inside

the mouth and palate can sag,

just as wrinkles develop with

aging skin.

Home Remedies

Weight Loss and Sleep Position

Weight loss is one of the

most important elements in the

treatment of sleep apnea.

Sleeping on your side and ele-

vating the head with an extra

pillow " may help prevent col-

lapsing in the back of the

throat," says Kassir.

Avoiding Alcohol

Alcohol and sedatives can

relax the palate of your mouth

and decrease the opening in

the throat, which leads to snor-

ing.

"I tell people to avoid

alcohol for the three to four

hours before going to bed," says

Kassir.

Treating A Stuffy Nose

If you have trouble

breathing through your nose,

over-the-counter deconges-

tants or breathing strips that

adhere to your nose could help.

"There can be a narrowing or a

collapse in your nose, and

[breathing strips] can keep that

area open, but if you have a

septal deviation or nasal

polyps, they need to be

addressed, says Kassir.

When Snoring Turns

Dangerous

Sometimes, snoring can

be a sign of sleep apnea, a

potentially serious disorder in

which breathing repeatedly

stops and starts. Sleep apnea is

more common in overweight

people, though normal weight

people can also develop it.

For someone who is

already prone to sleep apnea,

weight gain can increase the

risk, says Kassir. Fat "pads" can

constrict the airway and lead to

snoring, or in cases of sleep

apnea, a complete collapse of

the airway.

Obstructive sleep apnea

increases the chances of stroke,

heart attack, and high blood

pressure. A few studies have

also found an association

between snoring and higher

rates of cardio-vascular risk fac-

tors including high-blood pres-

sure.

"The important thing is to

do a take home sleep study to

find out if you have sleep apnea

in addition to just snoring,

says Kassir.

When Is Surgery

Recommended?

Doctor Kassir recom-

mends surgery when anatomi-

cal problems are causing exces-

sive snoring.

The Nose

For example, some people

have a deviated septum, which

is when the thin wall that sep-

arates the right and left side of

your nose is displaced to one


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Valentines Day is upon

us. This is a day to

celebrate our loved

ones and show them we care.

We also have to take care of

our fourlegged loved ones as

some Valentines Day gifts and

ideas may be hazardous to

your pets.

The most obvious warn-

ing is: Dont Let Your Pets Eat

Chocolate. Chocolate is one

of the traditional gifts on

Valentines Day but can be

very dangerous to pets, even

life threatening. The toxic

compounds in chocolate are

methylxanthines, mainly

theobromine and less impor-

tantly caffeine. The amounts

of theobromine and caffeine

vary with the type of choco-

late. For instance, unsweet-

ened (Baker's) chocolate con-

tains 8-10 times the amount

of theobromine as

milk chocolate. This

is a very common tox-

icity in dogs and seen

less in cats just by

nature of their eating

habits.

Clinical signs of

chocolate toxicity

usually occur within 6

to 12 hours of inges-

tion. Theobromine

affects the body as

a Central Nervous

System (CNS) stimu-

lant, cardiovascular

stimulant, increases

blood pressure and nausea.

Therefore, common signs of

chocolate toxicity are: vomit-

ing, diarrhea, hyperactivity,

tremors, seizures, fast heart

rate and, in severe cases,

death. If your pet ingests

chocolate, contact your vet-

erinarian or poison control

immediately for treatment.

Also, knowing the type and

quantity of chocolate ingested

is helpful.

Another potential hazard

for pets on this sweet holiday

is any sugar-free gum or

candy. They commonly con-

tain the sugar substitute xyli-

tol. Signs of xylitol toxicity

can be seen as quickly as 30

minutes and causes a sudden

drop in the bodys blood sugar

(hypoglycemia). This may

result in weakness, depression,

loss of coordination, seizures,

coma and even liver

failure. Treatment should be

initiated immediately if inges-

tion occurs.

Some holiday flowers,

though they are romantic, can

be toxic for your pet. The

biggest culprits are lilies.

They are highly toxic to cats

so make sure your cats cant

get near them or choose a dif-

ferent variety of flower but

not tulips (the bulbs are the

most toxic), amaryllis,

daisies, chrysanthe-

mums or any flowers

with thorns may be

potentially dangerous

flowers.

Leftover gift-

wrapping or decora-

tions are enticing for

curious cats. Make sure all

ribbons, bows and other wrap-

ping are out of your pets reach

and cleaned up. Cats espe-

cially like chewing on strings

or ribbons which can cause

choking or worse an obstruc-

tion in the intestines that

could require emergency sur-

gery.

Candles are also a nice

touch on Valentines Day but

not to paws and fur. Dont

leave candles unattended as

pets can easily be burned or

the candles could be knocked

over causing a fire.

One last warning is pets

given as gifts. Puppies and

kittens are very cute and cud-

dly but owning a pet is a big

undertaking. Purchasing a pet

should be done in a responsi-

ble way and only after a lot of

research. If youre ready, you

should consider adopting a pet

from your local shelter. These

steps can be done together

and are romantic and reward-

ing.

Have a sweet and safe

Valentines Day!

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 safe Valentines Day for your pet By Dr. Matthew Krupnick


WHERE YOUR

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Tax returns for 2011 are

barely begun but it is

not too early to start

thinking about tax planning

strategies for 2012. This is by

no means an all-encompassing

list, so be sure to discuss your

specific situation with your tax

professional. Some important

tax code changes for 2012 are:

Individuals

Each personal and

dependent exemption is

$3,800 - an increase of $100

over 2011.

The 2012 standard item-

ized deduction rose slightly. A

taxpayer filing as single (or

married filing separately), saw

a $150 increase to the basic

deduction as it rose to $5,950.

Married couples filing a joint

return gained a $300 deduc-

tion to $11,900. Those filing as

Head of Household have an

additional $200 deduction as

the amount increased to

$8,700.

The maximum earned

income tax credit for low and

moderate income workers rose

to $5,891 for 2012, a $140

increase from 2011.

Standard mileage rates

regarding charitable miles driv-

en remained unchanged at 14

cents per mile. The deduction

for medical mileage changed to

23 cents per mile. Business

miles driven increased to 55.5

cents per mile for most vehi-

cles earlier in 2011 and that

amount remains unchanged

going into 2012.

Though the credit

amounts don't change for

2012, the modified adjusted

gross income threshold at

which the lifetime learning

education credit begins to

phase out is $104,000 for joint

filers and $52,000 for single fil-

ers. This is up from $102,000

and $51,000, respectively.

Perhaps the item with the

potential for greatest impact is

the decreased Alternative

Minimum Tax (AMT) exemp-

tion from $74,500 to $45,000

for a married couple. Single

taxpayers and those filing

Head of Household experience

an exemption decrease from

$48,450 to $33,750. Be sure to

discuss this change with your

tax professional - the potential

impact could be significant.

Lastly, the FICA ceiling

rose to $110,100 from

$106,800. The good news is

that the employee rate remains

at 4.2% at least through

February 29, 2012. Currently,

that rate is slated to increase to

the historic rate of 6.2% after

that date, but many believe the

lower rate will be extended for

the entire year. Touch base

with your CPA in mid-

February to see what happens.

Businesses

Depreciation is often a

significant deduction for busi-

nesses. Unfortunately, two sig-

nificant depreciation deduc-

tions decreased for 2012. The

Code Section 179 deduction

for equipment purchases is

$139,000 of the first $560,000

of business property placed in

service during 2012. This is

down from $500,000 of the

first $2,000,000 in 2011. First-

year bonus depreciation also

decreased to 50% of qualified

property (down from 100%).

Many other very specific

changes occurred regarding

certain employee fringe bene-

fits, estimated tax payments

and qualified retirement plans

- to mention just a few.

Please keep in mind this is not

a complete list of changes for

tax year 2012 - and there like-

ly will be further changes as

the year progresses. Due to cur-

rent economic conditions -

and the fact that this is an elec-

tion year - it is more important

than ever to keep in contact

with your CPA. Income tax

planning is only one of the

many ways to increase your

wealth potential!

Robert Sokoloff is a CPA and the

Highlights of 2012 tax changes By Robert Sokoloff, CPA


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Story of Appetite, Ambition

and the Ultimate Embrace of

Curves," nearly lost her life

due to anorexia and other

extreme measures she endured

to walk the catwalk with a

fashion-thin body. Renn, who

fluctuates between a size 10

and a size 16, once weighed 95

pounds, but now speaks out

against pressure to be a certain

weight to be seen as beautiful.

Ford Models has a Ford+

division that caters especially

to promoting women who do

not meet the standards of tra-

ditional stick-thin models.

While these women may still

not be considered plus-size

according to everyday stan-

dards (plus size in the model-

ing industry is between a size 8

and 12), they do present a

more well-rounded example of

the female body on the run-

way. Today, the plus-size seg-

ment of Ford has expanded in

number from its inception

and has regular bookers.

Furthermore, these plus-size

models are being hired for

mainstream fashion designers,

not just those geared toward

plus-size clothing. Renn

joins Whitney Thompson,

Marquita Pring, Gitte Lill,

Natalie Laughlin, Tara Lynn,

and Alyona Osmanova as

some of the most recognizable

names in plus-size modeling.

Although it's not likely

that fat will be the new thin,

more media outlets and facets

of the fashion world are show-

casing a wider variety of body

types today.

There is truly some-

thing magical about

golf. Between the

relaxed environment, the

scenery, and the camaraderie

that inevitably sur-

faces during every

good game, you

might say it could-

nt possibly get bet-

ter than this. Well

it certainly can.

Imagine golfing the

British Isles. From

the birthplace of

golf in Scotland to

the sprawling

emerald hills of Ireland, these

islands are truly the hallowed

grounds of the sport. To expe-

rience play here is to truly

understand the beauty of golf.

Admittedly, for us American

golfers, it isnt always easy to

get to the other side of the

pond. There are flights to con-

sider, accommodation in a for-

eign country, and how on

earth do you book a tee time

at some of these world class

golf resorts? Well, its easier

than you think.

G3K a Scottish-based

Travel and Consulting compa-

ny is your solution for put-

ting together any golf trip

across the water. You have the

desire to take the corporate or

individual golf trip of a life-

time, and theyve got the

extensive knowledge, experi-

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attention to detail to make it

happen for you! Through a

simple step-by-step process,

G3K will set up your com-

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Scotland, England, and/or

Ireland. Heres how it works.

STEP 1: You provide G3K

with your details and personal

requirements, starting with

choosing the dates of your golf

trip. G3Ks most classic trips

leave on a Friday night from

the United States and

arrive in Scotland or

Ireland early the next

morning. You may

then specify the coun-

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visit (from Scotland,

England, and Ire-

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cally, you may request

certain courses youd

like to play on (Royal

Troon, St. Andrews Old,

etc.). And finally, you state

your personal preferences for

the trip including ground

transportation, golf cart

rentals, sightseeing opportuni-

ties, and anything else specifi-

cally you desire for your trip.

STEP 2: G3K sorts through

your details in order to come

up with a golf trip that most

accurately suits your needs.

The company is headed by

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Stewart Smith, and has a staff

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experience in marketing and

hospitality. They have an

intricate knowledge of the

best courses to play, the most

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STEP 3: Once youve appr-

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Its as simple as that. Let

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Experience Golf on the British Isles with G3KBy Joe Pellegrino, Jr


The comeback of the plus-size modelcontinued from page 6

8/3/2019 221657_1328624689Feb 8 2012 Z3_low rez

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behind the municipal build-

ing, on the internet at

www.butler library.org, or by

phone 973-838-3262.

The Pompton Lakes Repub-

lican Club invites you to join

them at their monthly meet-

ings. Meetings are held the

third Thursday of each month

at the VFW Post 2906 off

Wanaque Avenue in Pompton

Lakes. Membership is open to

the public. Get involved with

the PLRC and participate in

our informative meetings,

community outreach, scholar-

ships for our youth, and our

social activities. Questions?

Call 973-835-4025 or email

[email protected].

Kinnelons Open Space

Committee (OSC) and Open

Space Advisory Committee

(OSAC) are inviting membersPremature babies or pre-

emies come into the

world when a pregnancy

lasts fewer than 37 weeks. Full

term babies are born between

38 to 42 weeks. Because of

their early arrival, premature

infants have different needs

than that of a full term infant.

Premature babies may

begin their lives in the neona-

tal intensive care unit

(NICU) or the special care

nursery. The NICU is

designed to provide an atmos-

phere that limits stress, meets

the basic needs of warmth,

nutrition and protection to

assure proper growth and

development. After the child

leaves the NICU, careful

attention should be paid to

the development of the nerv-

ous system. In the early

months of life all of the senso-

ry systems impose incredible

degrees of sensory stimulation

on the baby. The sensory sys-

tems includes the visual, tac-

tile (touch), auditory (hear-

ing), olfactory (smell), propri-

oceptive and kinesthetic

(body awareness).

The baby must learn how

to regulate all of the incoming

sensory information in order

to be at an optimal state to

learn new skills. This regula-

tion is more difficult for a pre-

mature baby. A pediatric

physical therapist can assess

the premature babys ability to

regulate the incoming sensory

stimuli and teach the parents

how to recognize when the

baby is stressed or not alert.

The therapist can also deter-

mine the cause of the stress

and thereby decrease and pre-

vent it. When the baby is

stressed there can be changes

in the babys breathing, heart

function, skin color and diges-

tion. Some indications of

stress are:

Hiccupping.

Changes in skin color (mot-

tling or cyanosis (bluish color

from lack of oxygen)

Temperature change.

Tremors or startles.

Spitting up or bowel move-

ments.

Changes in muscle tone ie:

very flaccid or floppy (hypo-

tonic) or stiff (hypertonic).

Crying and fussiness are

common with difficulty con-

soling.

The babys state whether

it is stressed or calm, plays a

vital role in the babys motor

development. As the baby

receives input from the senso-

ry systems listed above, it is

then integrated with the

motor system and enables the

baby to adjust his head, body

and limbs in space in relation

to each other and gravity.

When the baby is in an organ-

ized or non stressed state the

motor system functions easily

with smooth movements and

postures. When the baby is

calm he can then attend to

and interact with his environ-

ment and learn new skills.

A premature baby that

has an impaired sensory sys-

tem may often demonstrate

signs of stress. This impair-

ment can cause the premature

baby to utilize poor movement

patterns early in development

that can lead to major motor

related problems later in life.

Babies with movement

impairments do not practice a

variety of movements and are

usually only able to maintain a

few positions and rarely alter-

nate between positions.

Because they are not using a

variety of movement patterns

they have difficulty activating

and elongating all of their

muscles. The baby may never

develop full motion at all of

his joints making him vulner-

able to musculoskeletal defor-

mities.

The goal of the pediatric

physical therapist is to guide

the premature baby through a

variety of goal directed move-

ments to help the baby learn

new movements. This guid-

ance will help increase the

babys muscle flexibility and

prevent or minimize the

development of musculoskele-

tal deformities.

Gena Livingston is a pediatric

physical therapist, who brings

over five years of experience to

Kids Therapy Center of

Riverdale. Specializing in early

childhood intervention, Gena is

very experienced treating chil-

dren with cerebral palsy, delayed

motor development, autism, tor-

ticollis, post-surgical corrections,

and athletic injuries. If you

would like to schedule an ap-

pointment or consult with Gena,

she can be reached at Kids

Therapy Center, 18 Newark

Pompton Turnpike, Riverdale,

973-616-8300.


Has your child been diagnosed with...

Cerebral Palsy Autism

Developmental Delay

Balance/Coordination Disorder

Hypertonia (increased muscle tone)

Hypotonia (low muscle tone) Down Syndrome

Spina Bifida

Metabolic Disorder

Traumatic Brain Injury

18 Newark Pompton Tpke.

Riverdale, NJ 07457

973.616.8300

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How can physical therapy help my

premature baby? By Gena Livingston

Community Happeningscontinued from page 5


b lif dl i j F b 8 2012P 16 Z 3

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Space is often at a premi-

um when transporting

children in a car. Safety

seats tend to be cumbersome

and take up a lot of the seat

room in a vehicle. In most

areas, law mandates some sort

of safety seat is necessary until

a child is 8 or 9 years old and

meets a certain weight maxi-

mum. That can mean many

years of squeezing the kids into

the car, or missing out on car-

pool opportunities due to safe-

ty seats. But a new category of

inflatable safety seats could

change the way many drivers

view car and booster seats.

Products like Go

Booster(R) and BubbleBum(R)

were the invention of innova-

tors in Europe who have now

brought their creations to

North America. There are

also many other brands still

being produced in Europe,

including the Luftikid(R).

Inflatable booster seats are

lightweight and durable. They

often weigh less than 2

pounds. Plus, they inflate and

deflate quickly, making these

seats the ultimate in portable

options.

Theres no need to worry

about safety, either. In ordered

to be sold in the United States

and Canada, any type of child

safety seat must be rigorously

crash tested to comply with

strict vehicle safety standards.

With a smaller profile, these

seats can also save room in a

vehicle, preventing the need

to upsize to a larger truck or

van.


Developing the Foundation for a Lifetime of School Success!

Family Owned and Operated Est. 1971

CORE APPLECORE APPLE

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lives!

A Truly UniqueMontessori School Unique Phonics

Reading Program

Computers

Music

Foreign Language

3 or 5 Half Days Full Days 7am-6pm

Fastrackids

Parenting Seminars

Character Education

Dance Academy

Summer CampAges 2-12 Years Daily Swimming

Lessons, Heated Pool

designed for safety of

young children

Sports/Organized Games

Arts & Crafts Field Trips

Music/Dance

In House Events

Nature & Science

Computers Cooking

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Wayne Shuttle BusGrades 1-6Preschool, Kindergarten,Ages 2-6 Years

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OPEN YEAR ROUND

6:30AM-6:30PM

Offering P/T and F/T Infants Toddlers 2, 3, 4 & 5 yr. olds Pre-K Enrichment

Full Day Kindergarten Before & After CareIncluded in our tuition:

Fitness, Music, Art, Sign Language, Story Time & Computers

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Loving Child Carefrom 6 weeks to Full Day Kindergarten

Open House: Sat., March 31 - 11am-1pmOpen House: Sat., March 31 - 11am-1pm

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FALL 2012

REGISTRATIONFeb. 6th thru Feb. 10th 9am to 11:30am

2, 3 and 5 Half and Full Day Sessions Ages 2 12 - 5

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We Offer: Arts & Crafts Music with Piano Physical Education Spanish

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Now Offering Expanded Hours:Monday-Friday 8:00am-5:00pm

Teacher Discounts

Give Your Child The Advantage of AnOutstanding Pre-School Program Since1969

www.PomptonLakesNurserySchool.com

21 Passaic Ave., Pompton Lakes

973-835-5609

REGISTRATION jjj jjCommunityHappenings

of various organizations and

committees throughout the

Borough to join them on a tour

around Kinnelon. The Land

Conservancy of New Jersey

will be taking notes and gath-

ering information on

Kinnelons Historical, Recre-

ational, and Open Space facil-

ities in order to update the

Boroughs Open Space Plan.

Residents should go to the

Boroughs website (www.kin-

nelonboro.org) for additional

information regarding Public

Meetings in which they

can participate. Comments/

suggestions are always wel-

come at: Kinnelon_OSAC

@yahoo.com.

The Bloomingdale Seniors

are planning on a 10 day

Caribbean Cruise out of

Bayonne on Royal Caribbeans

Explorer of the Seas on April

26, 2012. The itinerary

includes Haiti, Bermuda, St.

Maartin and San Juan. For

information and pricing, please

call Pat at (973) 838-9259.

Jewish Family Service of

North Jersey, a recipient of

financial assistance from UJA

Federation of North Jersey, is

expanding its Kosher Meals on

Wheels program in Wayne.

The Meals on Wheels Program

provides hot, nutritious kosher

meals to people age 60 and

over, or those younger who

have a disability and who are

unable to cook or shop.

Volunteer drivers bring needed

meals; offer a smile, a greeting

and a personal contact to the

elderly, many of whom seldom

get out. Drivers are needed to

deliver meals two times a

month. Presently, we are

accepting referrals for people

who would like to receive

meals. Please call Paul Klein at

(973) 595-0111 to volunteer, to

request Kosher Meals on

Wheels, or for additional infor-

mation.




visit our website at www lifeandleisurenj com February 8, 2012Page 18, Zone 3

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Statistics from the U.S.

Census Bureau Housing

Survey indicate that

homeowners annually spend

billions of dollars improving

outdoor living areas.

One of the most popular

ways to do just that is to add a

deck to a home. Decks are ben-

eficial in many ways. Grill mas-

ters love decks because they

make the perfect place to set up

a grill and a table and cook for

family and friends. Those who

simply love being outdoors find

decks the perfect place to relax

and soak up some sun or idle

away the evening hours.

But homeowners who want to

build a deck should know a few

things before that process

begins.

Permits are necessary. Unless

the deck is going to be especial-

ly small, you will likely need a

permit to build it. Before buy-

ing any materials or consulting

any contractors, make certain

you know which permits you

need and how to get them. If

the proper permits are not

secured before the project

begins, you might have to tear

down the whole project and

start all over again.Decks dont have to go on the

back of the house. If the back of

your house sits in the blazing

sun all day, then its probably

best to build the deck else-

where, and thats perfectly

alright. So long as the property

and permits allow, decks can be

built on the side of a home as

well, and putting a deck on the

side might be more comfort-

able.

Decks dont have to be made

of wood. Its easy to assume all

decks are made of plain wood.

However, decks can be made

out of a wide variety of materi-

als, natural or synthetic.

Pressure treated wood is per-

haps the most popular material

for decking because its not very

expensive. But manmade mate-

rials that are a mixture of recy-

cled plastic and wood bits or

sawdust are also popular

because they require no main-

tenance. But homeowners

should know that manmade

materials can get hot in the

sun, which will require those

enjoying the deck to wear

shoes.

Expect to do some digging. If

youre going to build your own

deck, expect to do some serious

digging. Local building codes

will dictate how deep you will

need to dig for the pier foot-

ings, which support the decks

weight. Just how deep youll dig

depends on your climates spe-

cific frost line, but its safe to

assume youll get a workout in

when digging.

The deck can have multiple

levels. Though many people

associate decks with one level,

its possible to have a multi-level deck if you simply dont

have enough room to build a

deck that will be big enough to

meet all of your needs. A multi-

level deck can break up those

long flights of stairs while

ensuring you will always have

somewhere to go to escape the

sun on a hot day.

You will want to protect the

deck. Decks are a costly invest-

ment, and you will want to pro-

tect that investment. If youre

building a wood deck, keep in

mind the sun will beat down on

the deck for most of the year.

You can protect the deck by

painting it. Paint provides sun-

screen for the deck, stopping

the sun from breaking down

the material. Once youve fin-ished painting, apply sealant,

whether its oil- or water-based.

Dont forget fasteners.

Fasteners will hide the screws

for aesthetic appeal. But not all

woods and fasteners are the

right fit, as certain woods are

only compatible with certain

fasteners. Find out which fas-

teners make the right fit ahead

of time. Because fasteners con-

ceal the screws, they also makeit possible to go barefoot on the

deck.

A deck makes a great

addition to many homes, but

homeowners should learn as

much as possible about decks

and what goes into building

them before making any deck-

ing decisions.

Things to know before building a deck


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All too many home-

owners have experi-

enced the joy of com-

pleting a home improvement

project only to learn upon com-

pletion that the project is not

in adherence with local laws.

That realization, while heart-

breaking, is often the result of a

homeowners failure to secure a

building permit prior to starting

the project. Homeowners whosecure a permit before the onset

of a project will

know what

they can and

cant do and

can rest easy

knowing that

an approved

plan complies

with engineer-

ing principles

and local laws.Another disadvantage to

forgoing the permit process is

the potential perils such a deci-

sion causes when homeowners

want to sell their homes.

Projects completed without a

permit might hurt a homes

resale value, and such projects

are not often covered by home-

owners insurance policies,

meaning damage to areas of the

home where an illegal projectwas conducted wont be cov-

ered. While homeowners

should always check with their

local municipality before start-

ing a project, it might help to

know the following are a few of

the many home improvement

projects that typically require a

permit before they can go for-

ward.

Above-ground pool

Attached storage shedAwnings

Carports

Deck installation

Demolition project,

interior or exterior

Fireplace addition

Garage conversion

Handicap ramp

Handicap restroom

In-ground pool

Patio enclosure

Patio installationPartition wall installation

Porch

Retaining walls

Roof change (i.e., flat roof

to sloped roof)

Roof replacement

Room addition

Room remodel

Siding

Sliding glass door

(if area is increased)

Skylight

Spa or hot tub installation

Windows, new or replace-

ment (if area is increased)

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The Circle of Friendship, a

support group for the separat-

ed and divorced, meets at 7:30

p.m. every Thursday at St.

Marys Church, 17 Pompton

Ave in Pompton Lakes. For

further information call

Christine at 973-335-9880.

For Singles in their 20s-30s

looking to meet other young

Jewish singles, come join usfor games, friends, snacks and

more! We meet the first

Sunday of the month at

Congregation Beth Shalom,

21 Passaic Ave, Pompton

Lakes, NJ. Bring your friends.

Find our page on Facebook

or email singles.jewish@

gmail.com

Passaic Valley Hospice, a

non-profit organization is inneed of volunteers for various

duties. Volunteers are an inte-

gral part of the professional

Hospice team that provides

physical, emotional and spiri-

tual support to the terminally

ill. They work directly with

patients and families, provid-

ing respite for caregivers,

companionship for patients

and families, and run errands.

For additional informationplease call at 973-256-4636

ask for Laura Entwistle.Weekday volunteers are espe-

cially needed. REACH OUT

- Give the Gift of SELF!!

Mommy and Me Fitness!

Mothers with infants and

young toddlers have always

been challenged to find a way

to get back in shape while

focusing on the demands of

new motherhood. This class

lets mom keep baby withinarms reach so there is no need

to worry about finding a sitter

or making the time away from

baby to workout. The

StrollFit program is devel-

oped with the needs of both

mom and baby in mind. Each

60- minute class consists of

cardiovascular, strength and

flexibility training for a total

body workout. The classes

also provide a great environ-ment for moms to connect

with one another and develop

support systems for achieving

fitness goals. Not to mention

bonding with baby! Now

offered in 2 locations

Wayne and Montclair. For

more information or to attend

a free class- Contact Tami

Wolfe at 973-896-4828

or email tamiswolfe@com

cast.net.

If you worry about mold in

your home and are trying

to find solutions, you can

take one simple step to help

prevent it from happening.

Mold is commonly

found in houses that havepoor wall insulation. As

moisture builds up, the inte-

rior of the walls can slowly

rot. This gives off a foul smell

and reduces the overall sta-

bility and quality of a proper-

ty. You may need to com-

pletely strip your walls to

effectively repair them.

Such a repair can be

expensive, but in order to

prevent this situation fromoccurring, you can choose an

alternate kind of insulation

for your home. Spray foam

insulation, like Icynene, is a

good choice, especially for

preventing mold. Unlike

other insulation, spray foam

protects your walls againstmoisture by forming an air

barrier.

Prevention of mold,

dust, dust mites and other

common airborne irritants

will improve the quality of

the air in your home and ulti-

mately the investment value

of your house.

More information on

this topic is available online

at icynene.com

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Community Happenings

Spray foam insulationcombats mold



8/3/2019 221657_1328624689Feb 8 2012 Z3_low rez

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Valentines Day

is synonymous

with candle-

light dinners, romantic

movies and delicious

desserts. Although

chocolate is often

standard fare for the

day of love, manyother treats, including

petit fours, can win the

heart of a special per-

son.

Although people

often believe the term

petit four refers to a

particular recipe for a

dessert, it actually

denotes a variety of

small desserts. Petit fours are

bite-sized pastries generallyeaten at the end of a meal or

at tea time. The name is com-

prised of French terms mean-

ing small oven, which gen-erally means the desserts are

cooked at a low temperature

in an oven. Petit fours

may be secs, mean-

ing dry de-sserts,

including biscuits and

puff pastries. Most are

glaces, or iced

desserts, such as tiny

cakes. These are often

the desserts peopleassociate with the

name petit fours.

Cake-type petit

fours are traditionally

made from an almond

flavored sponge cake

or an almond genoise.

Other types of cake,

such as pound cake,

can be used, but the

consistency must be firm

enough to handle cutting andfilling. The options in fillings

Petit fours begin as an egg-based sponge cakeand can be filled and topped with

whatever you choose.

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Delectable desserts sethearts a-flutter


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ONS

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r

Menu

Visit our website for complete menu: www.202ItalianBistro.comLunch: Tue-Fri 12pm-3pm Dinner: Tue-Thurs 5pm-10pm

Closed Mondays - Fri-Sat 5pm-11pm Sun 4pm-9pm

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appetizer, entree, dessert,coffee or tea

Sun, Tues & WedLimited up to 8 people


8/3/2019 221657_1328624689Feb 8 2012 Z3_low rez

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A Warm, Elegant & Engaging Atmosphere

Customer Appreciation Night - Every Wednesday & Friday

50% OFF Entire Check4pm-11pm. Cash only. 18% Gratuity added to total bill. Not valid with any other offers.

Restaurant & Fine Catering Gift Certificates Available Daily Lunch Buffet & Full Menu with Specials

Take-Out Full Bar

We will open for private parties on Mondays & Tuesdays

49 Main St Bloomingdale, NJ 973-492-2211 1-888-522-Lina (5462) www.linasristorante.comJust off Routes 23 & 287 Open Wed, Thurs & Sun 12pm-11pm Fri & Sat 12pm-12am VISIT US ON FACEBOOK

Since 1983

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Say....... Ti AmoI Love You, at LinasValentines Day WeekendTuesday, Valentines Day

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