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    Boston Louis Jewelers is

    happy to announce its

    exciting addition of the

    Nomina tion line of jewel ry.

    Nomination bracelets were very

    popular several years back and

    since then have evolved into

    a very extensive silver fash-ion jewelry collection with

    styles that are right in line

    with todays top designers.

    All of the pieces are crafted

    in Italy, renowned for some

    of the best-made jewelry in

    the world, and most are in

    the very affordable $100 to

    $300 range. An excellent

    feature of high-end Italian

    silver jewelry is that it is

    treated with a metal fromthe platinum family called

    Rhodium. Rhodium treating

    not only gives silver jewelry the

    beautiful clean look of platinum

    or white gold, it more important-

    ly keeps silver from tarnishing.

    Boston Louis Jewelers

    is extensively carrying the

    Nomination Romantica suite

    just in time for Valentines Day.The Romantica suite consists of

    beautiful modern-styled sterling

    silver necklaces, bracelets and

    earrings in filigree heart shapes

    that are accented with 18K rose

    gold overlay details.

    Boston Louis is also carrying

    Nomination s Sorre nto and

    Sofia suites. The Sorrento fea-

    tures geometric circles with sun,

    cloud or heart-shaped cut-

    though patterns, whereas theSofia suite uses perfectly cut pas-

    tel-colored semi-precious gems

    such as lavender and green

    amethyst, light blue topaz,

    smokey, citrine, and green/gold

    quartz complimented by brilliant

    white cubic zirconias. All are

    gorgeous, and all are pretty

    enough to be worn with formal

    attire, but are designed foreveryday.

    The wonderful thing about

    this Nomination line is that with

    many matching earring, pendant

    and bracelet sets available, you

    can add to your jewelry wardrobe

    with each special occasion. Any

    piece in this stunning line is sure

    to please that special someone in

    your life!

    Boston Louis Jewelers:

    Happily crafting, repairing, pur-chasing and appraising jewelry in

    Pequannock Township for 25

    years!

    Boston Louis is located at

    151 Newark Pompton Turnpike

    in Pequannock. Come and visit

    or call us at 973-694-9073.

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

    February 6, 2013

    Zone 1, Vol. 11, No. 3

    The Official Paper of Wayne Day

    PRSRTSTD

    U.S.POSTAGE

    PAID

    PHILAPA191

    PERMIT6752

    Life&Leisure,LLC

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    LincolnPark,NJ07035-17

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    Boston Louis introduces

    new line of jewelry

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    Note: To have your groups

    announcement appear in

    Community Happenings,please e-mail the information

    in paragraph format to calen-

    [email protected].

    Feb 9The Wayne Elks, 50

    Hinchman Ave, Wayne will

    be hosting a Sweetheart

    Dinner Dance on February 9

    from 7:30-11:30pm. Menuwill include roast beef and

    chicken Marsala by Bob

    Fisher and music by DJ Jerry.

    Donation $30.00. For reserva-

    tions or information pleasecall Joyce at 973-956-8956.

    Back by popular demand

    Comedy Night at Shomrei

    Torah at The Wayne

    Conserv-ative Congregation,

    30 Hinchman Avenue,

    Wayne on Saturday, February

    9, at 7:30pm. Enjoy the antics

    of Jon Fisch, a prolific

    monologist with universal

    appeal, Moody McCarthy, one

    of Americas sharp comedyminds, and Sherry Davey,

    recently named one of the

    Top 10 Comedians in NYC

    by Improper Magazine.

    Comedy show, hors doeuvres,

    dessert, beer and wine for pur-

    chase. Admis-sion: $36. To

    reserve your spot or for moreinformation please call 973-

    696-2500. This event sells out

    quickly so call and sign up

    today!

    Feb 22-24

    Huge indoor Garage Sale!

    The Annual Packanack Lake

    Community Garage Sale will

    be held in the Packanack

    Lake Clubhouse, 52 Lake

    Drive West Wayne on Friday,Saturday and Sunday,

    February 22-24 from 9am-

    3pm. Shop early for the best

    selection of household items,

    toys, baby gear, sports equip-

    ment, small electronics, sea-

    sonal & tons more! Sponsored

    by the Packanack LakeMothers Club, all proceeds

    support community improve-

    ment projects. Open to the

    public.

    Feb 24

    National Veterans Comm-

    ittee will hold a Sunday social

    on February 24 from 2-4pm at

    50 Hinchman Ave, Wayne. A

    menu of homemade meatloaf,

    mashed potatoes, vegetables,beer, soda, dessert, coffee and

    tea will be served. Donation

    $20. Veterans from Paramus

    home will be attending. For

    visit our website at www.lifeandleisurenj.com February 6, 2013Page 2, Zone 1

    100% mailed twice a month newspaper234 Main Street, 2nd Floor

    Lincoln Park, NJ 07035 973.696.8008

    Publisher: Joe Pellegrino Editors: Bethanne Pellegrino & Kenneth Nicholas Art Director: Robin Banta Graphics: Mary Lalama

    Sales: Lisa Buniewski, George Papendick, 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 & 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. 2013 Life & Leisure, LLC. Life & Leisure is a trademarks of Life & Leisure, LLC.

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    continued on page 6

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    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 3

    We target the source of your pain, so you can

    get back to work, play and doing what you

    love without surgery.

    18 Newark Pompton Tpke., | Riverdale

    973-616-4555 | www.AdvancedSportMed.com

    Why choose us?Our team is as committed to your

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    caused by bulging, herniated, degenerative, or ruptured discs, as well as

    sciatica, posterior facet syndrome, and many failed back surgery cases.

    THE DRS SYSTEM

    Specializing intreatment for:

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    visit our website at www.lifeandleisurenj.com February 6, 2013Page 4, Zone 1

  • 7/29/2019 221657_1359973926Feb 6 2013 Z1_layout LOW REZ

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    Unfortunately, the ob-

    stacles to securing a

    successful portfolio

    are overwhelming. In fact,

    some people believe there are

    more reasons for financial fail-ure than success. These

    include: dividend income tax,

    ordinary income tax, state

    income tax, capital gains tax,

    commissions, management

    fees, manager/advisor or self-made investment mistakes,

    inflation, changes in govern-

    mental policies or government

    grid lock (aka political risk),

    currency risk, stock market

    crashes and corrections, bond

    selection risks (such as issuer

    default or downgrades),

    abysmal anemic interest rates

    on savings vehicles, and virtu-

    ally no interest on cash at all!

    What is the poor con-sumer/saver/investor/employ-

    ee/self-employed/retiree to do

    or have to look forward to and

    how will they accumulate

    enough capital against this vast

    array of obstacles? How willthey be able to secure an

    income necessary to survive

    and prosper during their retire-

    ment years? How can they

    assure a successful journey into

    retirement and the peace of

    mind of a secured continual

    income stream from their port-

    folio once they make the final

    announcement: Ive workedmy last today; Im now retired!

    Are these good questions?

    Dont the facts speak loudly for

    themselves? Are you confident,

    complacent or contrite about

    your financial future? Would

    you like to guarantee your

    results or know in advance the

    least you can accomplish in

    portfolio accumulation andminimum monthly or annual

    income that would be sustain-

    able for the rest of your life,

    and/or your spouses lifetime,

    without it reducing or it com-

    ing to an end?

    Think about this for a

    moment: from 1992 through

    2011, according to Blackrock,

    the 20-year annualized growthrate of oil was 8.6 percent,

    stocks performed 7.8 percent,

    and bonds rose at an annualized

    rate of 6.5 percent. Over the

    course of these years, the annu-

    alized rate of inflation was 2.5

    percent and homes increased

    2.3 percent per year. However,

    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 5

    9 Preakness Shopping Center Wayne, NJ

    973-696-6637Hours: Sun 10-3, Tues-Fri 9-8, Sat 9-4:30, Mon closed

    I demand success for my portfolio! By Mark Charnet

    continued on page 11

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    more information or to reserve

    tickets please call Joyce at

    973-956-8956.

    March 11-13

    Rhino Theatre auditions for

    Monty Pythons Spamalot will

    be held on March 11-13 from

    7-9pm. Call backs are March

    18. Auditions: for ages 18 and

    over. Rhino Theatre is located

    on 247 Wanaque Ave.

    Pompton Lakes. For more

    information visit us at

    www.RhinoTheatre.com or call

    973-248-9491.

    March 16

    The Immaculate Heart of

    Mary Church will host a St.

    Patricks family dinner dance,

    Saturday, March 16 at 6:30pm

    at the IHM School Gym

    on Ratzer Road, Wayne.

    Appetizers, complete corn beef

    dinner, and beverages are

    planned. Entertainment in-

    cludes: a DJ with a Piper bandand Step Dancers will perform.

    Donation is $40 per person and

    Despite incredible ad-

    vances in dentistry

    over the past 30

    years, dentists face a new

    challenge to their success inmanaging and treating your

    bacteria-related oral health

    problems: Stress! Doctors

    consider stress to be a cause

    (or at least factor) of not

    only cardiovascular, autoim-

    mune and mental diseases,

    but also dental issues. While

    stress-related dental prob-

    lems were known to ancient

    societies thousands of years

    ago, recent upturns in stresslevels are making these oral

    health issues much more

    common. Stress may affect

    dental health in different

    ways:

    IMMUNITY: Stress can

    reduce the bodys immunity

    to disease by changing the

    production of the normal

    inner steroid from the

    suprarenal glands. This pro-duces a malfunction in our

    cells. They are unable to oust

    foreign bodies like bacteria

    when they invade the body.

    Since immune cells are the

    bodys first line of defense,

    this is not good. As a result,

    gingivitis and gum disease arelikely to develop among

    stressed individuals. Forms of

    tooth decay are also com-

    monly reported in stressed

    patients.

    GRINDING AND

    CLENCHING: Most grind-

    ing and clenching occursduring sleep, so a large per-

    centage of grinders and

    clenchers dont even realize

    they are doing it. Grinding

    and clenching increase the

    frequency of contact between

    the upper and lower teeth,

    especially at night. Whileupper and lower teeth are

    typically in contact 20-30

    minutes each day, those who

    clench and grind make

    upper-lower contact several

    hours a day. While this habit,

    called buxism, may be

    annoying, it may also lead to

    dental health issues such as:

    HEADACHES: Tenderness,

    fatigue and spasm in the mus-

    cles of the face and neck,

    which may result in

    headaches.

    TMJ: Damage to the tem-poromandibular joint in

    front of the ear. TMJ may

    cause minor problems like

    clicking when opening and

    closing the mouth, or more

    severely, can prevent the

    lower jaw from functioning

    properly.

    DISTORTION: If clench-

    ing and grinding become

    chronic, the cheek musclesmay enlarge or swell, which

    can result in facial distortion.

    TEETH FILING AND

    CAVITIES: Not only may

    grinding and clenching cause

    teeth to be filed down;

    smooth, V-shaped cavities

    may develop, resulting in

    tooth sensitivity.

    FRACTURES: Damage tothe gums causes teeth to

    move more freely and ulti-

    mately can cause tooth frac-

    tures. Additionally, dental

    restorations like crowns and

    bridges are at risk of fracture.

    How do you treat grind-

    ing and clenching? Depend-

    ing on the severity of the

    case, Dr. Brusco may offer

    you options such as night-

    mouth guards, muscle relax-ants, mouth rehabilitation,

    orthodontics, bite adjust-

    ment, muscle exercises and

    medications.

    Dr. Brusco is a 1980 graduate

    of the University of Pennsylva-

    nia and has been practicing in

    Kinnelon since 1982. Dr. Brus-

    cos practice is located at 170

    Kinnelon Road, Suite 29A in

    Kinnelon. You may reach himby calling 973-838-5862 or

    visiting him on the web at

    www.drbrusco.com.

    visit our website at www.lifeandleisurenj.com February 6, 2013Page 6, Zone 1

    Stress and your teeth By Peter Brusco, DMD CommunityHappeningscontinued from page 2

    continued on page 9

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    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 7

    SMILENew Patient Special

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    Exam, Digital X-Rays, and Cleaning

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    Valentines Day facts and superstitions

    Every February 14th

    people around the

    world exchange gifts,

    chocolates and romantic

    greetings for a day set aside for

    lovers. Many traditions are

    followed, all in the name of

    St. Valentine. Still, people

    may not understand why such

    customs are upheld. Much of

    the history of Valentines Day

    and St. Valentine himself is

    shrouded in mystery, and

    much of whats widely accept-

    ed is inaccurate. To set the

    record straight, here are some

    facts about the holiday.

    Valentines Day is believed

    to have originated from a cel-

    ebration in Rome during the

    fifth century. This celebration

    paid tribute to St. Valentine,

    a catholic priest. Other histo-

    rians surmise it was a way to

    Christianize the pagan holi-

    day of Lupercalia, which was

    a fertility festival. Included in

    the traditions were boys and

    girls drawing names from a

    box and exchanging gifts.

    The Catholic Church

    acknowledges at least three

    different saints named Val-

    entine or Valentinus.

    All of the stories surround-

    ing St. Valentine whether

    they are disputed or not

    paint him as a sympathetic

    and heroic individual.

    Valentines Day greetings

    have been popular from the

    Middle Ages onward, though

    they have been usually verbal

    in nature.

    The oldest known written

    valentine still in existence

    today was a poem written in

    1415 by Charles, duke of

    Orleans, to his wife while he

    was imprisoned in the tower

    of London following his

    capture at the battle ofAgincourt.

    Valentines Day is celebrat-

    ed in the United States,

    Canada, Mexico, the United

    Kingdom, France, and

    Australia.

    Valentines Day and moth-

    ers day are the most popular

    holidays to give flowers.

    According to hallmark,

    women purchase 85 percent

    of all valentines.

    According to the greeting

    card association, an estimated

    one billion Valentines Day

    cards are sent each year, mak-

    ing Valentines Day the sec-

    ond largest card-sending holi-

    day of the year behind

    Christmas.

    Candy was among the earli-

    est Valentines Day gifts and

    remains a popular gift today.

    Some tales suggest that the

    type of bird a girl watches on

    Valentines Day predicts her

    future husband. A bluebird

    indicates a happy man, while

    a sparrow indicates a poor

    man.

    In medieval times, girls con-

    sumed unusual foods on

    Valentines Day in the belief

    it would make them dream of

    their future husbands.

    visit our website at www.lifeandleisurenj.com February 6, 2013Page 8, Zone 1

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    Love is a powerful word

    that describes one of

    the most potent human

    emotions. The word is believed

    to have evolved from theProto-Indo-Europeans word

    leubh, which described care

    and desire nearly five thousand

    years ago. The word was incor-

    porated into Old English as

    lufu, a noun meaning deep

    affection and a verb lufianmeaning to be very fond of.

    Did you know?

  • 7/29/2019 221657_1359973926Feb 6 2013 Z1_layout LOW REZ

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    $20 for kids under 12. Tickets

    may be obtained by calling the

    parish office at 973-694-3400,

    Monday through Friday

    between 10am-4pm.

    April 11

    Join the Wayne Y for an

    exciting trip to Hunterdon

    Hills Playhouse to see the play,

    Butterflies are Free, a won-

    derfully funny comedy on

    Thursday, April 11. The bus

    will leave from the Y at 9:30am

    and will return at approximate-

    ly 5:00pm. Fees are $75 for Y

    Members and $85 for non-

    members. The fee includes a

    Panorama Charter Bus and the

    choice of lunch and homemade

    dessert. Tickets can be pur-

    chased at the Y. The deadline

    to purchase tickets is March 1.

    For more information call

    Wendy, 973-595-0100 ext.

    236. The Y is located at 1 Pike

    Drive in Wayne.

    Around theCommunity ...Whether you are still suffer-

    ing from the bleak memories of

    war or have resolved to put it

    all behind you, Point Man

    Ministries is for you. Point Manis not a social club of old war

    heroes telling war stories, it is a

    Christian ministry dedicated to

    helping veterans find peace

    with themselves and the world

    around them. If you are doing

    fine after the war, thats fantas-

    tic - but dont forget about your

    buddies who are still suffering.

    Your encouragement could

    mean the world to them. Find

    out how you can help. CallBarry Jensen at 973-809-9665.

    Point Man Ministries meets

    the first Thursday of every

    month from 7:30-9:30pm at

    Cornerstone Chapel 620 Route

    23 North, Pompton Plains

    If you enjoyed the music

    heard on Family Radio, but dis-

    agree with the apocalyptic

    teaching, we invite you to tune

    in to Redeemer Broadcastings

    traditional music, relevantBiblical teaching, and engaging

    content. We promote a posi-

    tive view of the church and the

    success of the gospel in trans-

    forming lives and culture.

    Redeemer Broadcasting is on

    the radio in upstate NY, and

    can be heard in the Metro area

    by visiting www.redeeemer-

    broadcasting.org and following

    the Listen Live link. Also listen

    using the tune in smart phone

    app and searching for call let-

    ters WFSO. Internet receivers

    are available through the min-

    istry at a 30% discount. We

    invite you to contact us at min-

    [email protected]

    g or call toll free 888-724-4427

    The Wayne Y is offering a free

    lecture series called Jewish

    Women in History. Led by

    Roni Mishpati, Jewish

    Federation of Northern New

    Jerseys Youth Shlicha, this

    series explores the achieve-

    ments and contributions wo-

    men such as Anne Frank,

    Hannah Senesh, Sarah

    Aaronsohn, Golda Meir and

    Daphni Leef have made to the

    State of Israel and the world.

    The lectures will be held on

    Wednesdays, January 23, 30,

    February 6, 20 and 27 from 5-

    6:30pm. Admission is free.

    Call 973-595-0100 for more

    information. The Y is located

    at 1 Pike Drive in Wayne. This

    program is sponsored by Jewish

    Federation of Northern New

    Jersey.

    Visiting Angels in association

    with The Alzheimers Foun-

    dation of America is offering

    free year round memory screen-

    ings. Free and confidential

    screenings are held from 2-4pm

    every third Wednesday of each

    month except for November.

    Call and make your appoint-

    ment today at 973-839-3761.

    All screenings are held at the

    Visiting Angels office at 2190

    Hamburg Turnpike, Wayne.

    Individuals providing care to

    spouses who are chronically ill

    or incapacitated are invited to

    join Jewish Family Service of

    North Jerseys spousal caregiv-

    ers support group. Caregivers

    are a very important part of a

    healthcare team, but they mayalso face stress and personal

    Couples celebrate

    Valentines Day in a

    variety of ways. Some

    may jet off to a romantic

    locale while others might

    enjoy a night out on the town

    at a nearby restaurant. Some

    couples feel its more romantic

    to stay in for Valentines Day,

    preferring some quality time

    together as they enjoy a good

    meal and a favorite film in the

    comforts of home. Those who

    want a romantic movie to set

    the mood might want to con-

    sider the following options.

    Somewhere in Time

    (1980): Starring Christopher

    Reeve, this drama surrounds a

    Chicago playwright who

    meets an old woman on the

    opening night of one of his

    plays. The woman presses a

    gold pocket watch into his

    hand before begging the

    young playwright to return to

    her. Years later, the play-

    wright is staying at a hotel

    and becomes taken with a

    young woman in a photo-

    graph, only to learn that the

    young woman is the same

    mysterious older woman who

    visited on opening night all

    those years ago.

    West Side Story (1961):

    One of Hollywoods many

    tales of forbidden love, this

    classic won Best Picture after

    being adapted for the big

    screen. The score alone is

    enough for film aficionados,

    but those who also want a

    Great movies for Valentines Day

    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 9

    Welcome Dental Exam $95Includes Complete Set of X-Rays and

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    continued on page 14

    Community Happenings

    continued from page 6

    continued on page 15

  • 7/29/2019 221657_1359973926Feb 6 2013 Z1_layout LOW REZ

    10/28

    Are you one of the

    many consumers who

    were advised to buy a

    hearing aide by your doctor,

    spouse, family member or

    friend? Is it sitting in the very

    expensive case it came in,

    unused because it just doesnt

    work well? Maybe others

    should just speak louder! You

    will find that you are not alone.

    There are many adults frustrat-

    ed with hearing changes and

    the limitations that it may

    place on them. Dinners out at a

    popular restaurant or large fam-

    ily events may not be as enjoy-

    able if you have difficulty par-

    ticipating in the conversation.

    Adult aural rehabilitation serv-

    ices focus on adjusting to your

    specific hearing loss. Not all

    hearing loss is the same and is

    sometimes mistaken for memo-

    ry loss. An aural rehabilitation

    program assists in making the

    best use of your individual

    hearing aids, exploring assistive

    devices and taking charge of

    your communication. It is

    important to understand your

    specific hearing loss. A better

    understanding of your hearing

    loss will help you gain new

    insights as to why you think

    people are mumbling, why you

    have difficulty with voices and

    background noise, and others

    specific questions.

    Even if you don t have

    hearing aids but have a hearing

    loss, aural rehabilitation servic-

    es can give you strategies to

    improve listening and commu-

    nication effectiveness. If you do

    have new hearing aids, through

    training and practice, you will

    learn new listening habits and

    communication strategies.

    Audiologic rehabilitation pro-

    vides listening strategies that

    can improve communication.

    You are not alone with a

    hearing loss. Aural rehab can

    give you the opportunity to

    learn from professionals effec-

    tive strategies on how to

    handle traveling, meetings,

    appointments, going to the

    hospital, telephone conversa-

    tions, hearing in theaters, and

    difficult family members or

    work associates. Aural rehabili-

    tation will not sell you new

    hearing, but it will introduce

    you to strategies and tips that

    can improve understanding

    and hearing in everyday life

    and benefit from an improved

    quality of life!

    Catherine Gallo is a

    speech and language patholo-

    gist at Cedar Crest and runs the

    aural therapy program. For

    more information about our

    aural rehabilitation program, or

    to schedule an appointment,

    please call the Cedar Crest

    Outpatient Rehabilitation and

    Wellness Center in Pompton

    Plains, exclusively for seniors

    62 and over, at 973 831-3670.

    visit our website at www.lifeandleisurenj.com February 6, 2013Page 10, Zone 1

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    HEARING LOSS:

    BASIC COMMUNICATION TIPS

    Face person directly.Avoid noisy backgrounds and backlight.Get attention first, then speak.Ask how you can facilitate communication.REMIND THE SPEAKER:

    Do not shout.Speak clearly, at a slow rate.Dont hide your mouth, chew food, gum,or smoke while talking.Re-phrase if you are not understood.Dont just repeat.Use facial expressions and gestures.

    Establish empathy with your listenerBe patient if response seems slow.Show respect to help build confidence.

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    the average investor saw his

    portfolio grow by an annual

    rate of just 2.1 percent, under-

    performing inflation!

    Let me ask again. If you

    could, would you design a

    guarantee right now, in

    advance, of the income your

    portfolio would pay you as a

    lifetime income beginning five

    years from now, 10 years from

    now or even 20 years in your

    future? Would you like to guar-

    antee the minimum income

    growth in your portfolio, for up

    to 20 years straight, knowing

    that great market perform-

    ance, above the baseline guar-

    antee, would make that

    income even greater? I bet you

    would sleep better with the

    knowledge that negative mar-

    kets would never reduce your

    income, yet positive perform-

    ance certainly would acceler-

    ate and enhance it!

    Fantasy you may say?

    Bah, humbug! This cant pos-

    sibly be real! No way! Pie in

    the sky! I am happy to report

    that what I just described is

    available and verifiably true,

    and can be (and has been)

    done for millions of people

    across the country and you

    can do it too! There are many

    companies, contracts and ben-

    efits that may be explored,

    offering everything discussed

    in this column and guaranteed

    by the insurance industry.

    Whether you are a risk-taker

    or the most conservative

    investor, there is, a guaranteed

    investment and portfolio alter-

    native available to you, but it

    will not fall into your lap. You

    must initiate the conversation

    and request more information.

    You must take a proactive

    approach to your portfolio and

    the need for involvement with

    its management, diversifica-

    tion and oversight. Recent tax

    legislation, volatile markets

    and future dependence on

    your portfolio for life support

    make this study of guaranteed

    investment alternatives and

    strategies an imperative course

    for everyone who desires a

    financially stress-free and

    independent retirement.

    Let American Prosperity

    Group (APG) and I be your

    tour guides through the maze

    of portfolio opportunities that

    offer these amazing properties,

    with no cost or obligation!

    Call me today for an appoint-

    ment or second opinion or free

    consultation! I encourage my

    readers to take advantage of

    any and all APG learning

    workshops as advertised in this

    paper, with the next series

    scheduled for February 26-28,

    either 1-3pm or 7- 9pm each

    day, in our Wayne location.

    The official workshop flyer

    announcement will appear in

    the next issue, or you can e-

    mail me as soon as possible for

    an advanced copy of the flyer

    with all of the details and/or to

    reserve your seats, as space is

    limited! Im looking forward to

    meeting you in person.

    Mark E. Charnet is President

    and Founder of American Pros-

    perity Group. APG is the pre-

    mier retirement and estate plan-

    ning franchise in the U.S. with

    17 offices in nine states. Charnet

    is a certified annuity specialist, a

    certified senior advisor and has 32

    years of experience in the retire-

    ment and estate planning fields.

    Creator of the Trinity Method of

    Investing, Charnet encourages

    your inquiries and can be reached

    at 877-885-1274,

    973-831-4424, or

    [email protected].

    Check out the website:

    www.1apg.com. Interested in a

    career in retirement and estate

    planning? Check out this website:

    www.apgfranchise.com. Guar-

    antees based on the claims-paying

    ability of the insurance companies

    selected. Securities through BCG

    Securities, Inc., member SIPC,

    FINRA and a registered

    investment advisor.

    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 11

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    continued from page 5

  • 7/29/2019 221657_1359973926Feb 6 2013 Z1_layout LOW REZ

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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 four-legged loved

    ones, as some Valentines Day

    gifts and ideas may be haz-

    ardous to our 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 (Bakers) chocolate con-

    tains 8 to 10 times the

    amount of theobromine as

    milk chocolate. This is a very

    common toxicity in dogs and

    seen less in cats just by nature

    of their eating habits.

    Clinical signs of

    chocolate toxicity usually

    occur within six to 12 hours

    of ingestion. Theobromine

    affects the body as a central

    nervous system stimulant,

    cardiovascular stimulant,

    increases blood pressure and

    nausea. Therefore, common

    signs of chocolate toxicity

    are: vomiting, diarrhea,

    hyperactivity, tremors,

    seizures, fast heart rate and,

    in severe cases, death. If

    your pet ingests chocolate,

    contact your veterinarian or

    poison control immediately

    for treatment. Also, knowing

    the type and quantity of

    chocolate ingested is helpful.

    Another potential haz-

    ard for pets on this sweet

    holiday is any sugar-free gum

    or candy. They commonly

    contain the sugar substitute

    xylitol. Signs of xylitol toxici-

    ty can be seen as quickly as 30

    minutes and causes a sudden

    drop in the bodys blood sugar

    (hypoglycemia). This may

    result in weakness, depres-

    sion, 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

    different variety of flower but

    not tulips (the bulbs are

    the most toxic). Amaryllis,

    daisies, chrysanthemums or

    any flowers with thorns may

    be potentially dangerous

    flowers.

    Leftover gift-

    wrapping or decora-

    tions are enticing

    for curious cats.

    Make sure all rib-

    bons, bows and

    other wrapping

    are out of your

    pets reach and

    cleaned up. Cats

    especially like

    chewing on strings or rib-

    bons which can cause chok-

    ing or worse, an obstruction

    in the intestines that could

    require emergency surgery.

    Candles are also a nice

    touch on Valentines Day

    but not to paws and fur.

    Dont leave candles unat-

    tended, as pets can easily

    be burned or the candles

    could be knocked over, caus-

    ing a fire.

    One last warning is not

    to give pets as gifts. Puppies

    and kittens are very cute and

    cuddly but owning a pet is a

    big undertaking. Purchasing a

    pet should be done in a

    responsible 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 roman-

    tic and rewarding.

    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 Pequannock Animal Hos-

    pital is located at 591 Newark

    Pompton Turnpike in Pompton

    Plains. You may reach them by

    calling (973) 616-0400.

    visit our website at www.lifeandleisurenj.com February 6, 2013Page 12, Zone 1

    WHERE YOUR

    PET IS FAMILY

    Dr. Matthew Krupnick, D.V.M.

    Full Service Animal

    Hospital, Specializing

    in Cats & Dogs

    Complete Medical,Dental & Surgical

    Services On Premises

    Caring & Competent Staff

    591 Newark Pompton Tpke.

    (near Friendly's)

    Pompton Plains, NJ

    973.616.0400

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

    Wed 8-7pm Thurs 8-6pm

    Fri 8-5pm Sat 8-12pm

    FREE ExamNEW CLIENTS ONLY.

    Limit 1 per pet.

    Not combinable w/other offers. Expires 3/6/13.

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    ONE TIME ONLY. Limit 1 per pet.Not combinable w/other offers. Expires 3/6/13.

    OpenSaturdays

    www.PequannockVet.com

    A safe Valentines Day for your pet By Dr. Matthew Krupnick

  • 7/29/2019 221657_1359973926Feb 6 2013 Z1_layout LOW REZ

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    As you assemble the

    paperwork youll

    need to file your

    2012 tax return, take a minute

    to review some last-minute

    moves you could make to cut

    last years tax bill. Also, pay

    attention to deductions you

    shouldnt overlook. Heres a

    quick checklist.

    The American Taxpayer

    Relief Act, signed into law on

    Jan. 2, 2013, has some tax-

    savers for 2012. The law

    restored the following tax

    breaks for 2012 through 2013:

    The optional deduction for

    state and local sales taxes in

    lieu of deducting state and

    local income taxes.

    The above-the-line deduc-

    tion for up to $4,000 for qual-

    ified tuition and related

    expenses.

    The above-the-line deduc-

    tion for up to $250 of class-

    room supplies purchased by

    teachers.

    The exclusion from income

    for cancellation of mortgage

    debt of up to $2 million on a

    principal residence.

    The deduction for mortgage

    insurance premiums.

    The tax credit for making

    energy-saving home improve-

    ments.

    If youre in business, the

    new law included some tax

    breaks you shouldnt overlook.

    The first-year expensing

    option for equipment purchas-

    es in 2012 was increased to

    $500,000, with a $2,000,000

    total limit. The research tax

    credit, the work opportunity

    credit, and the 15-year recov-

    ery period for qualified lease-

    hold and retail improvements

    and qualified restaurant prop-

    erty were all made available

    for 2012.

    If you qualify, you have

    until April 15 to make a

    deductible 2012 IRA contri-

    bution. The maximum 2012

    contribution is $5,000 if

    youre under age 50 and

    $6,000 if youre 50 or older.

    The $2,500 deduction

    for student loan interest is still

    available for 2012 and can be

    taken even if you dont item-

    ize deductions on your return.

    The tax law gets more

    complicated every time Con-

    gress passes another bill, but

    dont let your tax bill creep

    higher than necessary through

    oversight. Call our office if

    you want details on any of

    these or other ways to cut your

    2012 tax bill.

    Robert P. Sokoloff and Associ-

    ates, PC is a year-round full-

    service CPA firm providing a

    wide range of accounting and

    tax services to both small busi-

    ness and individual clients. We

    are QuickBooks-certified pro

    advisors and provide new busi-

    ness set up, training and sup-

    port. Our office is located at

    166 Main St. in Lincoln Park.

    Our website is www.cpanewjer-

    sey.com and you can reach us at

    [email protected] or

    973-633-1001.

    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 13

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  • 7/29/2019 221657_1359973926Feb 6 2013 Z1_layout LOW REZ

    14/28

    story wont be disappointed by

    this musical tale of two young-

    sters who fall in love despite

    being from rival New York

    City gangs.

    The Philadelphia Story

    (1940): Featuring screen leg-

    ends Cary Grant, Katharine

    Hepburn and James Stewart,

    the movie focuses on the com-

    plications that arise as a

    socialite prepares to marry.

    Cary Grant plays the ex-hus-

    band of Hepburn, who must

    deal with the simultaneous

    arrival of both Grant and

    Stewart, a journalist who

    arrives to get the scoop on her

    pending nuptials. Stewart

    earned an Oscar for his per-

    formance in the film, which is

    also credited for helping to

    revive Hepburns career after a

    series of box office flops.

    Casablanca (1942): Per-

    haps no film is more synony-

    mous with romance than this

    classic starring Humphrey

    Bogart and Ingrid Bergman as

    former lovers who reconnect

    one night in a pressure-packed

    African encounter during

    World War II. The two ex-

    lovers still harbor feelings

    for one another, though

    Bergmans Ilsa has moved on

    and married a resistance

    leader who needs the help of

    Bogarts Rick to escape Nazi

    forces hot on his trail. The

    film features many classic

    moments.

    The Princess Bride (1987):

    Couples who prefer a love

    story, as told through a fairy

    tale might want to consider

    this Rob Reiner-directed film

    starring Cary Elwes as a farm

    boy who falls in love with

    Buttercup, the beautiful

    daughter of his employer. An

    ensemble cast that memorably

    includes Billy Crystal, Mandy

    Patinkin and pro wrestler

    Andre the Giant contributes

    to this hilarious classic that

    follows the farm boys heroic

    efforts to be with the woman

    he loves.

    visit our website at www.lifeandleisurenj.com February 6, 2013Page 14, Zone 1

    Has your child been diagnosed with...

    Cerebral Palsy Autism

    Developmental Delay

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    Hypertonia (increased muscle tone)

    Hypotonia (low muscle tone) Down Syndrome

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    REGISTRATIONFeb. 11th thru Feb. 15th 9am to 11:30am

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

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    Great movies for Valentines Day

    continued from page 9

    To Advertisein Life & Leisure

    Call 973-696-8008

  • 7/29/2019 221657_1359973926Feb 6 2013 Z1_layout LOW REZ

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    challenges that come with car-

    ing for a loved one. Stress from

    caring for a spouse can manifest

    in a number of ways ranging

    from financial burden, exhaus-

    tion, household disruption,

    social isolation, and even per-

    sonal health crises. The group

    is being facilitated by Melanie

    Lester, LSW. The group pro-

    vides a venue for participants

    to share their experiences while

    gaining coping skills, she said.

    If you or someone you know is

    interested in joining the group,

    or would like more informa-

    tion, please contact Melanie

    Lester at mlester@jfsnorthjer-

    sey.org or call 973-595-0111.

    Pre-registration is required.

    Developing social skills so

    people can lead a better quality

    of life and get a job is a major

    goal of the National Institute

    for People with Disabilities of

    New Jerseys Aspergers Skill

    Building Network. The pro-

    gram is accepting new partici-

    pants for its 2013 social and

    vocational instruction and sup-

    port groups for adults with

    Aspergers syndrome. Group

    sessions are held from

    10am-3pm, Mondays and Wed-

    nesdays or Tuesdays and

    Thursdays at William Paterson

    University in Wayne. Open-

    ings are available for NJ and

    NY residents. Individuals may

    be funded through Division of

    Developmental Disabilities of

    NJ or privately on a fee-for-

    service basis. For further infor-

    mation or to schedule an intake

    interview, please call Alex

    Gitter, Program Supervisor, at

    973-720-3762 or email alexan-

    [email protected].

    The new Entertainment

    Books are here and Wayne

    Presbyterian Church has them!

    The price remains the same as

    last year- just $30. The books

    offer discounts on fine dining,

    fast food, travel, family activi-

    ties, movies and much more.

    Books from other states and

    Canada are also available upon

    request. To purchase a book,

    call Wayne Presbyterian

    Church at 973-694-7109 or

    stop by the church office locat-

    ed at 1200 Alps Road at the

    corner of Ratzer Road in

    Wayne. Office hours are

    Monday through Friday from

    9am-1pm.

    Passaic Valley Hospice will

    be offering a Bereavement

    Support Group on Wednesday

    evenings from 6:30-8pm

    beginning February 6. The

    group will meet for seven

    weekly sessions ending on

    March 20, at 783 Riverview

    Drive, just south of Route 46

    in Totowa. The group pro-

    vides understanding and sup-

    port through the grieving

    process. To register or for

    more information please call

    Richard Sharber, Bereave-

    ment Coordinator at Passaic

    Valley Hospice, 973-256-4636

    Ext 7406.

    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 15

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    Arts & Crafts

    Field Trips

    Music/Dance

    In House Events

    Nature & Science

    Computers

    Cooking

    )))##"!&%%"$%""%"

    Community Happenings

    continued from page 9

    continued on page 23

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    visit our website at www.lifeandleisurenj.com February 6, 2013Page 16, Zone 1

    i it b it t lif dl i jFebruary 6 2013 Zone 1 Page 17

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    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 17

    visit our website at www lifeandleisurenj com February 6, 2013Page 18, Zone 1

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    Homeowners planning

    a kitchen remodel are

    no doubt considering

    whether to include a kitchen

    island in the new design.

    When the space allows, an

    island can be a fine way to

    enhance the look of a kitchen

    and impart an upscale appeal.

    Interest in kitchen islands

    has grown steadily for the past

    several decades. Introduced in

    the 1970s, islands became a

    popular place for guests to con-

    gregate and provided extra

    counter space for meal prepara-

    tion and entertaining. The

    suburban migration led to big-

    ger homes with larger kitchens.

    Through the 1980s and 1990s,

    homes grew even larger, and

    islands became a popular fea-

    ture of kitchens across the

    country.

    The increase in food-based

    programming on television has

    also contributed to the popu-

    larity of kitchen islands. As

    more people dabble with

    preparing their own gourmet

    meals, kitchen islands have

    become more convenient.

    Although there are many

    benefits to an island in the

    kitchen, there are also some

    disadvantages to kitchen

    islands. Weighing all the

    options can help homeowners

    design a kitchen layout that is

    functional, affordable and

    practical for the space they

    have.

    PROS

    Arguably the most signifi-

    cant advantage to having a

    kitchen island is the added

    space it provides. Many times

    islands are built with cabinetry

    that matches the rest of the

    kitchen design, and those cab-

    inets provide storage space for

    pots, pans and other kitchen

    tools. Islands may double the

    storage space available in the

    kitchen.

    Kitchen islands are also

    advantageous when preparing

    meals. Kitchen counter space

    can be easily gobbled up by

    toaster ovens, rotisserie cook-

    ers, microwaves, coffee makers,

    and various other countertop

    appliances. These appliances

    can take up valuable real estate

    thats sorely missed when

    preparing meals. An island can

    be used solely for cooking and

    preparation, and some home-

    owners have incorporated cut-

    ting boards and a prep sink

    into the design of the island.

    Islands also can be cus-

    tomized according to a home-

    owners needs. Instead of sim-

    ply having cabinetry beneath

    the counter, some opt to have

    a wine cooler or even a book-

    shelf for keeping cookbooks

    within reach. An additional

    small dishwasher or beverage

    refrigerator may be tucked into

    the design of the island. Forothers, the island may be a

    makeshift kitchen office space.

    CONS

    Expense is a leading nega-

    tive factor with regard to a

    kitchen island. The additional

    material necessary and the

    labor involved in installation

    may bust some homeowners

    budgets. Stationary islands can

    cost several thousand dollars to

    install, and this is money a

    homeowner may be better off

    investing elsewhere.

    In smaller kitchens, an

    island may be impractical

    because of the space limita-

    tion. Islands are typically at the

    heart of the kitchen and may

    interfere with walking space or

    cause clearance issues when

    the refrigerator door or cabinet

    doors are open. For homeown-

    ers who find space is at a pre-

    mium in the kitchen, an island

    may not be the best idea.

    However, a rolling island that

    can be moved into position

    when needed, then stored in a

    convenient, out-of-the-way

    location might be a viable

    option.

    Depending on the com-

    plexity of a kitchen island, its

    installation may extend the

    amount of time required to

    visit our website at www.lifeandleisurenj.com February 6, 2013Page 18, Zone 1

    Free Estimates Fully Insured References Available

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    Advantage Contracting also offers project management and full demolition.

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    Pros and cons to including an

    island in a kitchen redesign

    Homeowners should question whether a kitchen island is a

    practicality for their renovation projects.

    continued on next page

    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 19

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    complete the kitchen renova-tion. This can prolong the

    length of time needed to

    complete the work. Runninga gas or electric line and

    plumbing to the island may

    require a major overhaul anddemolition.

    Kitchen islands are popu-

    lar components of homedesigns. Before homeowners

    engage in any kitchen renova-

    tion that may include theincorporation of an island,

    they should know the advan-

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    Pros and cons to including an island in a kitchen redesign

    A Passion for PerfectionWhen its time to give your home a fresh coat of paint, inside or out, you can count on us for an impeccable

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    The big and little differencesyou will experience with Crown:

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    Written painting process provided for interior andexterior work

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    continued from previous page

    visit our website at www.lifeandleisurenj.com February 6, 2013Page 20, Zone 1

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    INGREDIENTS:

    6oz. butter, at room

    temperature

    cup sugar

    Grated zest from

    1 orange

    tsp. salt

    1 egg

    tsp.

    vanilla extract

    2 cups flour1 cup semisweet-

    chocolate chips

    4 Tbs. shortening

    6oz. white chocolate

    Multi-colored sugar, sprinkles

    and candy for decorating

    With an electric mixer

    set at medium-low speed, beat

    butter, sugar, zest and salt until

    creamy. Increase speed to

    medium and beat in egg and

    vanilla until fluffy and light incolor. With a spoon gradually

    beat in flour. Divide dough in

    half and chill until firm

    enough to roll, about an hour.

    Heat oven to 325 degrees.

    Roll out dough, 1 disc at a

    time. Roll to 1/8 thickness.

    Stamp out with an approxi-

    mately 3 cookie cutter. Put

    them on ungreased baking

    sheet about 1 apart. Bakeuntil edges brown, about 15

    minutes. Cool completely.

    In a saucepan,

    combine choco-

    late chips and 2

    Tbs. shortening.

    Stir over lowest

    possible heat un-

    til smooth. Chop

    white chocolate.

    In another sauce-

    pan, combine

    white chocolatewith remaining 2

    Tbs. shortening.

    Stir over lowest

    possible heat until smooth.

    Pour each chocolate mixture

    into a deep bowl or measuring

    cup.

    Dip one side of each

    cookie into the chocolate and

    let excess drip off. Let dry

    slightly and decorate as you

    like. Put on sheets of parch-ment or waxed paper to set.

    v s t ou webs te at j

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

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    LUNCH SPECIAL6 Choices for

    1. Grilled Chicken or Shrimp Caesar Salad2. Eggplant Parmigiana Platter or Hero

    3. Chicken or Shrimp Scampi over Pasta4. Chicken, Shrimp or Sole Francaise with Vegetable5. Meatloaf with Mashed Potatoes

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    With the purchaseof a beverage.

    $599MONDAY - SATURDAY

    Chocolate-dipped heart cookies

    for your Valentine

    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 21

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    How to temper chocolate for a Valentines treat

    What would Valen-tines Day be

    without choco-

    late? Candy and chocolate

    are often exchanged come

    Valentines Day. Though

    store-bought confections

    might be popular, such gifts

    can easily be made at home

    as well.

    Chocolate satisfies a

    sweet tooth, and some

    researchers believe chocolateis an aphrodisiac. In the

    1980s, doctors at New York

    State Psychiatric Institute

    explored the possibility that

    chocolate could be an aphro-

    disiac. When someone is inlove, his or her brain pro-

    duces a chemical called

    phenyl ethylamine, or PEA,

    which acts a lot like an

    amphetamine, triggering the

    hormones nor epinephrine

    and dopamine to create feel-

    ings of euphoria. Considering

    chocolate naturally contains

    PEA, there is reason to

    believe that chocolate could

    also trigger feelings of happi-ness and love. However,

    other chemicals might be

    behind these feelings of

    euphoria.

    j

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    YOUR FOOD TOTAL

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    WAYNE1176 Hamburg Tpk.

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    Full Menu, Prices & OnlineOrdering Available at

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    ...

    continued on page 27

    visit our website at www.lifeandleisurenj.com February 6, 2013Page 22, Zone 1

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    Stop in and see what the buzz is about and find outhow to reserve your new home at Pre-Construction Pricing!

    www.parksideatwanaque.com

    CALL TODAY 973-646-7476The purpose of this advertisement is to solicit non-binding reservations. A non-binding reservation is not a contract, and may be cancelled by the prospectivepurchaser at any time, without cause. Any money paid to the developer or the developers agent shall be refunded to the prospective purchaser, upon request andcancellation of the non-binding reservation. The Developer is Greentree Development Group. The image used in this ad is an artist rendering and as built conditionsmay be different than depicted. Features, amenities and specifications from any image are subject to change without notice.

    ARTIST RENDERING

    Sales Office Located at:142 Rt. 23 North, Pompton Plains, NJ

    Open Tuesday, Wednesday, Thursday

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    Pre-Construction Pricing1-Level Units Starting at $169,0002-Level Units Starting at $239,000

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    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 23

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    The Golden Age Circle of

    Wayne, Inc. (GACW) is anactive non-profit senior group

    sponsored by the Wayne

    Department of Parks and

    Recreation that meets every

    Thursday at 1p.m. in the PAL

    Building, 1 PAL Drive in

    Wayne. Coffee is served after

    each regular meeting and mem-

    bers enjoy an afternoon of fel-

    lowship. Day trips and

    overnight trips are scheduled

    throughout the year, certain

    meetings host special speakers,and bingo is played for

    only GACW members one

    Thursday during each month.

    To qualify as a member, you

    must be a Wayne resident of at

    least 50 years of age. Yearly

    dues are $7. For more informa-

    tion, call Val Turner, assistant

    recording secretary, at 973-694-

    5094. Or, come visit us!

    Professional musicians and

    vocalists of the Wayne Seniors

    Swing Band will perform foryour dancing and listening

    pleasure on the third Tuesday

    of each month. Requested

    donation is $2 from members of

    the Wayne Elks Lodge and

    members of the Wayne Adult

    Community Center. For all

    others, requested donation is

    $3. Light refreshments will be

    served. Performances will take

    place from 12:30-2:30pm at

    the Wayne Elks Lodge, 50

    Hinchman Ave. For moreinformation, call 973-633-

    0734.

    Visiting Angels of Wayne

    in association with the

    Alzheimers Foundation of

    America is offering free and

    confidential year-round memo-

    ry screenings. The screenings

    are available on the third

    Wednesday of each month

    from 2-4pm by appointment

    only. The screenings are held at

    the Visiting Angels officelocated at 2190 Hamburg

    Turnpike in Wayne. Visiting

    Angels is a senior homecare

    agency that helps seniors

    remain comfortably at home

    through joyful companionship

    and a commitment to profes-

    sional services such as hygiene,

    light housekeeping, errands,

    and meal preparation. For more

    information or to make an

    appointment for a screening,

    call 973-839-3761.The Riverview Garden Club

    in Wayne encourages local area

    residents who are interested in

    gardening and in expanding

    their botanical knowledge to

    become club members. Novice

    and experienced gardeners are

    welcomed. The Riverview

    Garden Club maintains several

    NORTH HALEDON $649,900Immac Custom 5BR/4Bth 5,000sf CH Colw/Kit/Granite/SS, FamRm/fpl, HW fls, huge wobsmt w/10 ceil & sep in-law suite, MUCHMORE! WYN0526

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    WAYNE $639,900Black Oak Estates 5BR/2.5Bth CH Colw/FamRm/fplc, HW fls, fin Bsmt, new wdws, CA& MORE on lg level lot. Prime Location!WYN0943

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    WAYNE $779,000Captivating 4BR/3.5Bth Col w/formal rms,EIK/granite, beautiful yd w/pool, paver deck,stone bar, outdoor frigs + custom feat. WYN0002

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    WAYNE $899,999Elegance, Charm & Quality! Custom 6BR/4BthTudor Estate w/Grmt Kit/BkfstRm, 3 fplcs, GreatRm, Fam Rm, 4-Season Rm + wo LL. WYN0363

    WAYNE 973-694-8000

    WOODLAND PARK $589,000Custom 4BR/2.5Bth Col featured in magazinesw/9 ceil, Grmt Kit, Mrbl MBth, unique fl plan.Walk to NYC trans, near hwys. WYN1034

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    BLOOMINGDALE $274,900Wonderful well cared for 2BR 2Bth Ranch.Shows pride of ownership w/HW fls in LR &FDR, fin bsmt & nice yd. WYN0742

    WAYNE 973-694-8000

    KINNELON $450,000Fab updated, move-in ready 3BR/2.1BA. Justunpack & enjoy. H/W Flrs/stone FP/newer vinylsiding/roof/Andersen windows. KIN3498

    KINNELON/SMOKE RISE 973-838-9300

    KINNELON $499,000Nestled for privacy-Custum 4BR/3BA w/Con-temp. flair. Andersen windows/C/A, 2C Gar.KIN1996

    KINNELON/SMOKE RISE 973-838-9300

    KINNELON $649,000SMOKE RISE-Beautifully maintained 4BR/4.1BAhome on a cul-de-sac/SS Appl/2FPS/2C Gar.Flexible floor plan. KIN3508

    KINNELON/SMOKE RISE 973-838-8400

    KINNELON $750,000Smoke Rise-5BR/4.1BA Contemp. on 3.32Acs@ end of cul-de-sac. 3C.Gar., newly staged,pool/patio/deck. KIN1940

    KINNELON/SMOKE RISE 973-838-8400

    KINNELON $800,000Smoke Rise-Remodeled 6BR/5.1BA Customhome w/3C. Gar. on over 6 Priv. Acs., indoorheated pool. Spacious In-Law Suite. KIN5091

    KINNELON/SMOKE RISE 973-838-8400

    KINNELON $895,000SMOKE RISE-Award winning Estate, rich in el-egance/architectural design on almost 4 lushlylandscaped private acres. KIN1278

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    KINNELON $988,000Estates of Kinnelon-5BR/3.1BA CH Col. Fea-tures 2 Story Grand Ent. w/open bridge 2ndlevel/Chefs Kit./top of the line appl. KIN1994

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    KINNELON $1,095,000SMOKE RISE-Stunning Est. set on 5.5level/landscaped Ac, w/pond/exquisite cust. de-tails. KIN1330

    KINNELON/SMOKE RISE 973-838-8400

    PARSIPPANY $195,000Mountain Club-Spacious 2BR condo w/updatedKit & Bth, HW fls, lots of closets, laundry inbldg, pool, tennis, MORE! WYN0732

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    KINNELON $3,250,000SMOKE RISE-Lakefront mansion/panoramiclake views/stunning sunsets/pool/9,000 sq ft es-tate/6.5 priv acs. KIN3395

    KINNELON/SMOKE RISE 973-838-8400

    MONTVILLE $950,000Pristine private 5BR/4.5Bth Custom Col w/2-story entry, Grmt Kit, wood fls, FLR, FDR, FamRm, Ofc, MBR Ste + 3GAR. WYN0031

    WAYNE 973-694-8000

    Community Happenings

    continued from page 15

    continued on page 27

    visit our website at www.lifeandleisurenj.com February 6, 2013Page 24, Zone 1

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    Short sales have chang-

    ed. Gone are the days ofwaiting six months for

    approval, fighting for a release

    of deficiency, offering no

    incentives to homeowners and

    cutting agents commissions.

    Most banks today realize that

    they fair far better with a short

    sale than with foreclosure and

    that working with a cooperat-

    ing homeowner is not only the

    right thing to do, but makes

    good business sense.

    Why short sale instead ofmodification? If your house is

    worth $300,000 and you owe

    $400,000, your option of mod-

    ification can reduce your pay-

    ment to be more affordable.

    However, in most cases you

    will still owe the full

    $400,000. You can wait eight

    to 10 years for the market to

    rebound and sell for $400,000,

    realizing no equity. Or you can

    short sell now spend onlytwo years repairing your credit

    and purchase another house

    three to five years from the

    short sale. Now you are build-

    ing equity in your new house

    and owe nothing on the old

    one.

    Banks continually send

    out modification letters to

    homeowners they previously

    declined to modify. The truth

    is that unless there was a sig-nificant change in the infor-

    mation you previously submit-

    ted, you will most likely be

    given the same negative

    response while you are moving

    closer to foreclosure.

    Listing your home short

    sale with the right real estate

    is imperative. An agent that

    has a proven track record

    working with these more com-

    plicated sales is a must. The

    Century 21 Gemini

    LLC Realty congratu-

    lates William Linteris

    on his accomplishment of

    being selected as 2012 Realtor

    of the Year by the Passaic

    County Board of Realtors.

    Linteris was recognized

    for his commitment to the

    realtor code of ethics, promot-

    ing good real estate practices

    among fellow real estate

    licensees and the general pub-

    lic, and dedicating his time to

    perform charitable work in

    the community.

    Linteris exemplifies the

    criteria for the Realtor of the

    Year Award. His years of serv-

    ice in various charitable

    organizations, being active in

    the greater community and

    his dedication to the real

    estate community uniquely

    qualify him for this award. He

    holds the senior real estate

    specialist designation, the

    GREEN designation and is a

    certified short sale and fore-

    closure specialist.

    Wayne Damstra, broker

    of record at Century 21

    Gemini, values the dedication

    and commitment Linteris

    brings. Bills high ethical

    standards and willingness to

    give his time both profession-

    ally and personally impact the

    entire Century 21 Gemini

    family and community as a

    whole and this is recognized

    by his being selected as 2012

    Realtor of the Year, he said.

    Century 21 Gemini LLC

    Realty is located in the Point

    View shopping center at 197

    Berdan Avenue in Wayne.

    William Linteris can be

    reached at 973-696-1111 ext.

    146 or via his cell phone at

    201-412-1272.

    2010 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.

    REALTOR

    %%$

    ####"!

    Patti TahanManager

    Want A Future??

    Be in charge of your income,your time and your life.A real estate career affords

    you independence!

    Work with ColdwellBanker - the respectedleader in real estate.

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    Coldwell Banker, Since 1906, Americas Premier Real Estate Company

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

    JOAN LA GRECAREALTOR

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    Century 21 Gemini congratulates William Linteris,

    its 2012 realtor of the year

    Century 21 Gemini

    Realty is a leader inthe short sale process

    continued on next page

    To Advertisein Life & Leisure

    Call 973-696-8008

    visit our website at www.lifeandleisurenj.comFebruary 6, 2013 Zone 1, Page 25

  • 7/29/2019 221657_1359973926Feb 6 2013 Z1_layout LOW REZ

    25/28

    From the early 1990s tothe beginning of this cen-

    tury, bigger is better cer-

    tainly was the mantra of the

    home-building industry. All

    across North America buyers

    could browse among home

    developments boasting homes

    of 3,000 square feet or larger

    and multiple bedrooms and

    bathrooms. But according to

    new data, home buyers are

    seeking less space today butmore in green amenities.

    Research by the Canadian

    Home Builders Association

    has found that many people

    now desire smaller homes with

    multipurpose rooms and energy

    saving features. Theyre not

    ready to trade in their two- and

    three-car garages just yet,

    though. Plus, a survey of

    International Furnishings and

    Design Association membersforecasts that McMansions will

    become a thing of the past and

    more emphasis will be placedon smaller, more eco-friendly

    homes. Family rooms will grow

    larger, as will kitchens. Other

    rooms in the home will disap-

    pear, including the living room.

    Many homeowners and

    potential home buyers realize

    that with girth comes a cost. In

    todays fragile economy, the

    ability to cash in on the dream

    of homeownership may come

    at the compromise of a smaller,better-planned home.

    According to Tim Bailey,

    the manager of Avid Canada, a

    research and consulting firm for

    the building industry, While

    many consumers are willing to

    forgo space, they are not equat-

    ing this with having to forfeit

    functionality. Design creativity

    is requisite to adapt to this

    changing preference.

    Here are some things thatyou will and will not find in

    newer homes moving forward.

    The dining room is becomingextinct, with larger, eat-in-

    kitchen/entertaining spaces the

    norm. The kitchen will be the

    main room of the home and be

    renamed the kitchen lounge.

    Separate rooms are evolving

    into spaces that serve many dif-

    ferent purposes.

    Although the sizes of bath-

    rooms may be scaled back, the

    amenities will not. Spa-style

    bathrooms with luxurious prod-ucts, high-tech features and tel-

    evisions will be on the rise.

    The master bedroom suite

    may not shrink in size, but it

    could be combined to form a

    home office and exercise space.

    Expect to see more high-tech

    offerings, such as voice- or

    motion-activation devices in

    th


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