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S

aint Patricks Day is a day

synonymous with celebra-

tion. Though Saint Patrickis the patron saint of Ireland, peo-

ple of all ethnicities enjoy the fes-

tivities each March 17. The fol-

lowing are some of the more well-

known Saint Patricks Day cele-

brations around the globe.

New York City. Perhaps the most

famous Saint Patricks Day parade

in the world, New York Citys

annual Pattys Day march down

5th Avenue has been around since

1762 and remains a must-see forall fans of Saint Patricks Day tra-

ditions.

New Orleans, Louisiana. While

New Orleans might be most

famous for Mardi Gras and all the

revelry that accompanies it, the

city also hosts a unique and rau-

cous Saint Patricks Day parade.

Just like Mardi Gras, the Saint

Patricks parade in New Orleans

includes floats, jazz bands and, ofcourse, costumed revelers.

Florence, Italy. Saint Patricks

Day celebrations in Florence are

an ongoing event, with 10

days of music,

food and drink.

While Italian

cuisine is loved

the world over,

during their

Saint Patricks

Day celebrationsthe Florentines

offer their take

on Irish food and

drink, making this

celebration one of

the worlds most

unique.

Oslo, Norway. Saint Patricks

Day festivities in Oslo

include a parade past

the famed OsloCathedral. Revelers

are encouraged to

dress up, as parade

participants dress up like famous

Irish characters and people

throughout Irish history, including

Saint Patrick himself.

Toronto, Canada. Though just a

Saint Patricks Day

celebrations around the globe

Leaning Tower of Pisa in Italy St. Patricks Day

Sydney Opera House in Australia

St. Patricks Day

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

March 6, 2013

Zone 2, Vol. 11, No. 5

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2/28

NOTE:To have your groups announce-ment appear in Community Happenings,

please e-mail the information in para-graph format to [email protected].

MAR 9

American Legion Post 242, 700 Newark

Pompton Turnpike, Pompton Plains willhave their Corned Beef and CabbageDinner on Saturday, March 9 at 5:30pm.

Tickets are $15.00 and will be sold at thedoor.

MAR 22

On Friday, March 22, the Knights of

Columbus will host a Fish & Chips Dinnerat the St. Pius X Parish Center, 24

Changebridge Road, Montville. Take-outsare from 5-5:30pm; sit-down dinners 6-8pm. The cost of $15 includes fish oroptional chicken tenders, fries, coleslaw,soft drinks, coffee, tea and desert. Fortickets or information call 973-263-0172or 973-299-1844.

MAR 23

Montville Reformed Church WomensGuild is hosting their annual Ham Dinner

on Saturday, March 23 from 5:30-

7:30pm. Come enjoy our church bakeddelicious spiral ham served with scallopedpotato, mixed vegetables, bread & bever-age. Dinner comes with our salad barand our ever popular dessert bar. Takeout is available. Adults-$10.00 and chil-

dren under 10-$5.00. MontvilleReformed Church, 9 Church Lane,

Montville. For more information call thechurch office at 973-263-0530.

APR 11

The Lincoln Park EMS Summer Kick-OffTricky Tray will be held on Thursday, April11 at 6pm at The Bethwood in Totowa.Tickets are $40.00 and include a 3 coursedinner and 1 sheet of small prize tickets.Cash Bar and 50/50 Raffle. No ticketswill be sold at the door. For more informa-tion or to purchase tickets call 973-694-

3304 Ext 2934.

APR 27

Come join the Knights of Columbus for aComedy Night to benefit the WoundedWarriors Project on Saturday, April 27.

Doors open at 7pm and show time at8:30 at St. Marys Carnevale Center, 10

Lenox Ave, Pompton Lakes. Admission$35 includes food, soda, coffee/tea,dessert and 2 drinks (wine or beer)

Additional Drinks $1.00. No one under21 admitted. Also includes 50/50 Raffle.For tickets or more info contact RayGrimes at 973-835-4487. Tickets mayalso be purchased at www.KofC3801.org.

Around theCommunity...

The Lincoln Park Public Library is proudto provide a variety of programs for allage groups. On March 13, kids in grades1-5 can come to Reading with Ruby,

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

31 Boonton Turnpike Lincoln Park, NJ 07035 (973) 694-0330

193 Changebridge Road Montville, NJ 07045 (973) 335-2213

Lincoln Park Savings Bank

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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, Martha Pineiro, 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 trademark of Life & Leisure, LLC.

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As I write my column, itis Oscar night in

Hollywood, the

United States and the entire

world. Shirley Bassey per-

formed her James Bond hit

Goldfinger from 1964 and

Barbara Streisand, in honor of

the late Marvin Hamlish, paid

tribute with The Way We

Were. Both of these singers hit

the high notes of their careers

with these fine musical compo-sitions that were brought back

to life this evening. Though I

hate to admit it, it was Shirley

who brought down the house

with a standing ovation for the

quality of her performance,

strength of her voice and the

command of the stage at age76. Barbara is only six years her

junior, yet still captivates audi-

ences with the presence of a

deity every time she performs

live on stage. Christopher

Plummer, 84, also a living leg-

end, also made a presentation,

stating he was interested in

making 30 more films with any

of the supporting actresses

nominated for an Academy

Award tonight.Each of these profession-

als, craftsmen and crafts-

women in their own right and

among the most admired per-

formers in their field, have

proven many things over the

years. Id like to give you my

opinion of some of what they

are, through a financial plan-

ners eyes.

Firstly, there is no fear,

hesitation or nervousness in

their performances. Though

well past their prime, they con-

tinue to shine and amaze us

with the brilliance of their exe-

cution of verse, song or dance.

They are confident of their

skills and with the passage of

time, understand the limita-tions they must now endure.

They can no longer reach or

sustain the high notes of their

youth, or they might require a

teleprompter or they might

need help navigating the stairs

to the stage, but in no way will

the audience see them require

any outside aid, or witness any

frailty or compromise in the

level of performance demon-

strating their craft. We expectShirley, Barbara and

Christopher to be ageless in

voice and forever on stage

entertaining and performing at

a winning competitive level.

I believe they will know

exactly when it will be time to

put an end to their careers

before the public decides for

them. Unlike the professional

athlete who might choose to

see the curtain of his careercome down before his very eyes

while rounding second base, a

true professional performer

would never take the risk of

disappointing his audience; no,

he would choose retirement

first, leaving us with the mem-ory of his past craftsmanship, as

not to disappoint or be embar-

rassed by the public spectacle

he would make of himself. We

all remember performers who

went beyond what should have

been their own declared retire-

ment date. (Frank Sinatra for

one.)

Barbara Streisand is one

performer who, I believe, will

never go on stage with less than


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her best. A triple threat

throughout her career, she can

sing, act and dance, but she is

also a director and comedi-

enne. She will leave singing inpublic behind, if it comes to

that, concentrating on direct-

ing or acting when she gets the

urge to work for a few months.

Another reason she would

never compromise her audi-

ence is because she is financial-

ly independent and has been

for decades. Forbes pegs her net

worth at $340,000,000 and due

to royalties, she will probably

never drop much below thatfigure. Shirley and Christopher

each have made millions of

dollars over their careers and I

hope and trust that their

money is in trust for the hope of

their kids and favorite charities.

This is one area where

even you and I can emulate

these magnificent performers;

you might not possess their tal-

ent to entertain, but you can

employ the same financialplanning techniques to

Maximize your income today

while Protecting, Preserving

and Perpetuating your wealth

for tomorrow!

Another reason these

entertainers look so good after

decades in the public eye is

probably because they have lit-

tle to worry about financially.

Having no financial stress has

the propensity to increase life

and certainly to make the jour-

ney a lot more pleasant alongthe way. Christopher Plummer

said at the Oscars: These

actresses are not overnight sen-

sations; they have been work-

ing on their craft since their

teenage years and will continue

to do so for many more years to

come.

Are his words prophecies,

prediction, conjecture or facts

based on personal performance

and experience? Id say all ofthose apply to every one of us,

both in our journey through life

and especially with financial

matters. With patience, repeti-

tive rehearsals, discipline, and

investment of your time, ener-

gy and money into that which

you love or require, perhaps

one day you will receive an

award, too maybe not from

the Academy per se, but defi-

nitely from your spouse andkids.

On that note, if you

watched the presentation of

the Oscars, did you notice how

many winners thanked their

families and loved ones, both

here and departed, for their

success and achievement?

Their hard work, dedication

and vision brought them into

the Hollywood Hall of Fame.

Your task (and you should

decide to accept it) is to win

your own personal AcademyAward of a rich rewarding

retirement, financially stress-

free with guaranteed never-

ending monthly income and a

massive bequest to your family

when you are gone.

This is something you can

do to win your lifetime Oscar

and I suggest engaging yourself

in the proper activities with

practice, rehearsal and vision as

early in your life as possible toproduce the greatest degree of


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quarter-century old, Torontos

Saint Patricks Day parade is

now one of the largest in North

America. Featuring more than

2,000 marchers representing

100 organizations, Torontos

annual celebration of SaintPatrick covers roughly two

miles and includes floats and

lots of live music.

Seattle, Washington. The

city of Seattles Irish Heritage

Club hosts its own Saint

Patricks Day parade and, in

fact, a week of celebrations

officially known as Irish Week.

A two-day Irish festival

includes Irish music, singingand dancing as well as several

contests and activities for kids.

A

father who is afraid to

go the dentist is likely

to pass on his fear tohis children, according to

researchers at Rey Juan Carolos

University in Madrid, Spain.

The International Journal of

Pediatric Dentistry published astudy where 183 Madrid chil-

dren from 7-15 years old, as

well as their parents, rated the

level of fear to dentistry in an

anonymous questionnaire.The data showed that

mothers reported the highest

levels of dental fear and the

researchers concluded that the

greater dental fear is for onefamily member, the greater it

would be for the other family

members. They also concluded

that the fathers feelings about

going to the dentist play a huge

role in whether a mothers fear

of the dentist will be passed to

their children.

Children seem to pay

attention to the emotional

reactions of their fathers, if

going to the dentist will be

stressful, said Professor

America Lara-Sacido.

The results point to aneed for dentists to reduce

fathers dental fears by giving

them accurate information on

dentistry, teaching simple

relaxation techniques, or

addressing negative thoughts to

prevent passing dental fears on

to their children. The work

with the parents is key and

teaches them to be relaxed as a

way of directly influencing

their kids.

Dr. Peter Brusco is a 1980 grad-

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vania and has been practicing in

Kinnelon since 1982. Dr.Brus-

cos practice is located at 170

Kinnelon Road, Suite 29A in

Kinnelon. You can reach him at

973-838-5862. Visit him online

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Like father like son:

Why your children may be afraid of the dentist By Peter Brusco DMD


Saint Patricks Day celebrations

around the globecontinued from page 1


7/28


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success! Id be honored to be

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Its time to start thinking

about lawn management!

After a cold snowy winter,

we are finally just weeks away

from the pleasantness of

spring. Youve probably got a

list a mile long of things you

plan to do with your yard,

whether it be planting flowers

or trimming your hedges. But

as you wait for the cold to dis-

sipate and the sun to appear

more regularly, now is the

time to think about fertilizing

your lawn. Believe it or not,

early spring is the time to begin

fertilizing. The first few weeks

of March are prime time for

waking your hungry lawn.

Some experts say that in a

square foot of lawn there is

potential for a thousand grass

plants. Whether your grass has

lacked, or you wish to improve

its density and life, now is the

time to prepare for spring.

In addition to a fuller

appearance, a well-fed lawn has

healthy roots that will ulti-mately combat drought, heat,

foot traffic, mowing, and other

stresses

that may

occur.

Well-

established

grass and turf

areas also help to

control soil erosion

with their extensive root sys-

tem. Fertilizer contains nitro-

gen, which is the most impor-

tant nutrient component in a

lawn. In order to maintain the

highest quality of turf, eachtype of grass requires different

amounts of nitrogen. Gro-Rite

Garden Center in Lincoln

Park has several varieties of

fertilizer available, including

Scotts 4-Step Program, which

is a four-times-a-year fertiliza-

tion regimen for your lawn.

Be sure to water your lawn

after fertilizing, as fertilizing a

dry lawn can be feudal!

For more information

and tips for fertilizing

your lawn, visit

Gro-Rite

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Center in

Lincoln

Park. In

addition to a

variety of fer-

tilization pro-

grams there are

gardening supplies,

herbs, flowers, annuals,

and trees are available. Grow

your garden the rite way at

Gro-Rite Garden Center

located at 30 Hillview Road,

Lincoln Park. Call 973-694-

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visit us at www.grorite.com.

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It seems that we all survived

the fiscal cliff legislation

that was finalized early in

2013. Small businesses survived

especially well, with many of

the prior beneficial tax provi-

sions extended into 2013 and

beyond. Here are a few of those

business provisions that you

should be aware of as a business

owner.

Asset expensing. This

provision allows businesses to

fully expense the purchase of

many assets (such as equip-

ment, furnishing, technology,

etc.) in just one year, rather

than being required to depreci-

ate (deduct) their cost over a

number of years. Up to

$500,000 of these purchases

can be immediately expensed

in the year of purchase.

Bonus depreciation. If you

hit your expensing limit, you

can always fall back on bonus

depreciation, which allows you

to deduct 50 percent (and

sometimes more) of certain

types of assets in the first year of

purchase. This provision was

set to expire at the end of 2012,

but has now been extended

through 2014.

Work opportunity tax

credits. These are tax credits

(which are much more valu-

able than tax deductions)

available to employers who hire

certain individuals. They

include military veterans, peo-

ple receiving government assis-

tance, or those living in dis-

tressed areas. These credits

were set to expire, but have

now been extended through

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To Advertise in one of our Special SectionsCall 973-696-8008


11/28

where they can hear stories and meetRuby, a friendly Golden Doodle. Childrenin grades 4-6 can join the Tween BookClub, which meets on March 22. Therewill be a Family Scrapbooking Night onMarch 28 for children ages 8 and up. TheLibrary has also started a Lego Club forchildren in grades 2 and up, which will beheld on March 28. For the adults inLincoln Park, there will be a bake-off &recipe swap on March 11. Bring your besthomemade baked goods and competeagainst other Lincoln Park residents.Participants are also encouraged to bring

a copy of the recipe. For more informa-tion about library programs, please call

973-694-8283 or visit our website atwww.lincolnparklibrary.org.Passaic Valley Hospice will be offering aBereavement Support Group on

Wednesday evenings from 6:30-8pmbeginning February 6. The group willmeet for seven weekly sessions ending onMarch 20, at 783 Riverview Drive, justsouth of Route 46 in Totowa. The groupprovides understanding and supportthrough the grieving process. To register

or for more information pleasecall Richard Sharber, BereavementCoordinator at Passaic Valley Hospice at973-256-4636 Ext 7406.Whether you are still suffering from thebleak memories of war or have resolved

to put it all behind you, Point ManMinistries is for you. Point Man is not asocial club of old war heroes telling warstories, it is a Christian ministry dedicatedto helping veterans find peace with them-

selves and the world around them. If youare doing fine after the war, thats fantas-tic but dont forget about your buddieswho are still suffering. Your encourage-ment could mean the world to them. Findout how you can help. Call Barry Jensenat 973-809-9665. Point Man Ministriesmeets the first Thursday of every month

from 7:30 9:30pm at Cornerstone Chapel620 Route 23 North, Pompton Plains.

depreciation. Under these pro-

visions, restaurant, retail and

other rental property improve-

ments can qualify for 15-year

depreciation, rather than the

required 39-year depreciation

rate. But note that these provi-

sions are set to expire at the

end of 2013.

Health care tax credit. If

you pay medical insurance pre-

miums for your employees, you

could be allowed a tax credit for

a portion of premiums paid.

For a complete review of

tax breaks now available for

your business, contact our

office.

Robert P. Sokoloff and Associates,

PC, is a year-round full-service

CPA firm providing a wide range

of accounting and tax services to

both small business and individual

clients. We are QuickBooks Certi-

fied Pro Advisors and provide new

business set up, training and sup-

port. Our office is located at 166

Main St. in Lincoln Park. Our

website is www.cpanewjersey.com

and e-mail is rps@cpanew

jersey.com.To contact us by

phone, please call 973-633-1001.


Has your child been diagnosed with... Cerebral Palsy

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Physical Therapy

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...then give us a call 973.616.8300

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Counseling for individuals

and couples using a holistic,

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170 Kinnelon Road Kinnelon, NJ 07405

www.margaret-tana.com

973-838-7265

AnxietyAddiction

Depression

Look for business tax breaks

continued from previous page

Community Happenings




12/28

If you enjoyed the music heard onFamily Radio, but disagree with the apoc-alyptic teaching, we invite you to tune into Redeemer Broadcastings traditionalmusic, relevant Biblical teaching, andengaging content. We promote a positiveview of the church and the success of thegospel in transforming lives and cul-ture. Redeemer Broadcasting is on theradio in upstate NY, and can be heard inthe Metro area by visitingwww.redeeemerbroadcasting.org and fol-lowing the Listen Live link. Also listen

using the tune in smart phone app andsearching for call letters WFSO. Internetreceivers are available through the min-istry at a 30% discount. We invite you tocontact us at [email protected] or call toll free 888-724-4427The Montville Township Womens Clubhas an ongoing project: comfort pillowsfor breast cancer patients. So far, wevemade and donated 6,580 pillows toMorristown Memorial, Chilton Memorial inPompton Plains, and Saint Clares inDenville and Dover. A team of club mem-bers, seniors, and volunteers from sur-rounding cities participates in this worthyproject. Even heart surgery patients have

found use for these comfort pillows, which

There are four main

underlying causes for

canine allergy symp-

toms. Effective dog allergy

treatment has been developed

for them, but because all of

these reasons produce com-

mon symptoms, various tests

may be necessary to determine

which allergen is provoking a

reaction. Standard methods of

treatment are successful in

controlling most cases. Some

especially severe conditions

may require the use of steroids

or immunotherapy.

The two most common

causes of allergic reactions are

atopic (that is, inhalants)

mainly dust mites, pollen,

mold and mildew and aller-

gens that are present in flea

saliva. The symptoms of an

allergy are most commonly

caused from inhaling an anti-

gen, or a substance which

causes the production of anti-

bodies. Studies show that in

excess of 40 percent of canines

react to the offending sub-

stances in flea bites.

Reasons that more rarely

produce responses are allergies

to food or of the skin. The

foods that are most likely to

cause symptoms are the same

foods that are the most com-

mon ingredients in commer-

cial food recipes. Certain fun-

gal infections, that is, mange

or ringworm, should be ruled

out if they are suspected. Skin

conditions that originate from

exposure to noxious sub-

stances are irritant or allergic

contact dermatitis. These rare

conditions are responses to

irritating chemicals or other

antigens.

Complicating a specific

diagnosis as to exactly what

antigens are to blame is the

fact that the same symptoms,

itching and skin problems,

characterize the different

types of disorders. Vomiting

and diarrhea may indicate a

food allergy, and continuing

ear problems or increased

bowel movements are other

possible signs. A food trial, in

which the pet is placed on a

novel food diet for twelve

weeks, is the method used to

isolate the food responsible.

Avoidance of the aller-

gen is a common strategy to

reduce symptoms for food,

flea, atopic and skin problems.

By removing and then rein-

troducing suspected allergens

one at a time, one may discov-

er the cause. Restricting pets

to a clean, uncarpeted room

and keeping them away from

possible allergens is called an

exclusion trial. Slowly intro-

ducing possible causes, includ-

ing rubbing a substance such

as grass on the paw, will help

to identify them.

There are some other

ways to remedy your pets

allergies. Add Omega-3 fatty

acids to their diet.

This is fish or flax oil

and they assist in

reducing the effects

of histamines, which

are responsible for

the itching and skin

conditions. If the

fatty acids do not

take effect in a few

weeks, antihistamine drugs,

originally designed for

humans, can also work for

canines.

Topical therapy, which

involves treating the skin

with anti-itch ointments,

shampoos, rinses or sprays

often have good results, but

these offer temporary relief.

Shampoos containing hydro-

cortisone are also used. Biotin,

a B-vitamin, has also shown

positive results for some pets.

When none of the above

methods is adequate for dog

allergy treatment, steroids

produce good results, but are

not recommended for long-

term use because immune or

endocrine system problems

may develop over time.

Immunotherapy, involving

allergy skin testing and a series

of injections, is a highly suc-

cessful approach for most ani-

mals. This therapy takes a

dedicated pet owner, but

results in significantly reduced

reactions to allergens.

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.

Dog allergy causes and treatments By Dr. Matthew Krupnick


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 4/17/13.

15% OFFExam Fee

ONE TIME ONLY. Limit 1 per pet.Not combinable w/other offers. Expires 4/17/13.

OpenSaturdays

www.PequannockVet.com

Community

Happeningscontinued from page 11



13/28

Everyone is a little Irish

come St. Patricks Day,

and children are no

exception. While kids cant

indulge in some of the spirits-

induced revelry that accom-

panies the festivities this hol-

iday, there are many things

little ones can do to have a

good time on St. Patricks

Day.

Dress in green: Encourage

kids to dress and accessorize

in all shades of green. For

even more flair, they can use

face paint to draw shamrocks

on their cheeks and hands.

Crafts: From paper four-leaf

clovers to homemade lep-

rechaun hats and belt buck-

les, children can get in the

spirit by fashioning crafts

that correspond with the

theme of the day.

Treasure hunt: Send little

leprechauns in search of gold

at the end of the rainbow.

Like an Easter egg hunt, hide

gold-wrapped chocolate

coins around the house

and set kids off to find the

treasure.

Blarney Stone toss: Play a

game of hot potato to Irish

music using a garden rock to

serve as the Blarney Stone.

When the music stops, the

person holding the stone is

disqualified.

Coin toss: Set up a pot or

hat and see how many coins

each child can toss into the

Spring Lake Day Camp of

Ringwood has been pro-

viding a well-rounded

program including daily

swim instruction, general swim,

catered hot lunches, profession-

al sports, arts, and adventure

programs for more than two

decades. Its age-appropriate

program focuses on campers

individual needs and helps

them form life-long friendships,

skills and memories. Its mature

staff and state-of-the-art facility

cannot be matched. Spring

Lake, headed by owners/direc-

tors Mitchell and Michelle

Kessler, offers air-conditioned

door-to-door mini bus trans-

portation. Sessions run

between four and eight weeks,

and are available for boys and

girls ages 315.

Our camp dates are July

1Aug. 22. Our full-day pro-

gram for ages 415 runs from

9am4pm. Our Mini Camp

program from 9am1:20pm is

available for 3 and 4 year-olds.

The daily hot catered lunch,

transportation, and camp shirts

and bags are included in the

tuition.

Once you visit Spring

Lake Day Camp, you will see

the difference and understand

why its campers look forward to

the summer all year long. Give

your child the gift of Spring

Lake Day Camp, North Jerseys

premier day camp.

Spring Lake is located at

234 Conklintown Rd. in

Ringwood. Visit the camps

website at www.springlakeday-

camp.com. For more informa-

tion or to visit call 973-831-

9000 or e-mail

[email protected].

Spring Lake

celebrates 25 yearsas North Jerseyspremier day camp P

rincipal Sister Marie joined Holy

Spirits Pre-K 3 class for its annu-

al Valentines tea party. The

children read a book about manners,

learned about St. Valentine and baked

biscuits to have with their tea.

Learning how to pour from real china

teapots into real china teacups was

very exciting for the class. The entire

Pre-K 3 class received an A+ in tea

party etiquette 101!

Holy Spirit

School



Pattys Day for the Kids


14/28

In the nearly three decades

that we at Boston Louis

Jewelers have been in busi-

ness, the one common desire

couples have always had when

choosing an engagement ring is

for it to be unique. While there

has been a return of art into

jewelry designs in the past 10

years or so, most engagement

rings in stores are still mass-pro-

duced and are one-of-many in a

series, instead of one-of-a-kind.

Throughout history, jew-

elry has been made by hand or

by manufacturers who had

more of a regional influence.

As a consequence, most

engagement rings up to about

50 years ago are more apt to be

of that one-of-a-kind type.

But over the years, so many of

those have been either broken

apart for their intrinsic value or

they were redesigned into more

fashionable pieces for the

decades that followed.

As a result, as time goes

by, fewer and fewer of

these rings are avail-

able.

Another factor

adding to the unique-

ness of an antique or vin-

tage engagement ring is how

the diamonds were cut. While

the process of cutting diamonds

today is aided by lasers and

computers, diamonds and gem-

stones back then were cut com-

pletely by hand and eye. Each

gem was a product of the cut-

ters individual talent in analyz-

ing the rough stone, and then

through the process of cutting

and polishing, maximizing its

innate beauty.

By rough definition, for a

piece of jewelry to be consid-

ered an antique it must be 100

years old or more. The term

vintage means indicative of

a certain period or era. Some

sought-after periods are

Victorian, Edwardian and Art

Deco. These terms devel-

oped years later after cer-

tain distinctive char-

acteristics of those

eras became identifi-

able.

Victorian pieces

were made in yellow or

rose gold and often

contained symbols or

motifs that at the

time were associ-

ated with

expressions of

eternal love,

such as inter-

locking hearts,

initials or serpents.

This is also where the

three stone rings so

popular today originated.

Enamels, deep engraving and

seed pearls were also character-

istic of the Victorian Era. The

diamonds of this period are

what we now call old mine or

old miner cuts, which were of

a squarish-round shape and

were the predecessor to what is

sold today as a cushion cut.

The Edwardian period

brought light and delicate

designs in platinum and white

gold that reflected the feminine

fashions of that time. Designs

utilized open filigree work with

hand-engraved patterns, mil-

graining and accents of tiny

diamonds.

Art Deco designs incorpo-

rated the geometrical and sym-

metrical lines found in the

architecture of that period in

both the forms of the jewelry

and the cuts of the stones as

well. Vibrant rubies, emeralds

and sapphires added contrast to

the stark white of the diamonds

and metals used.

Each of these periods

offers a beautiful option for

those looking for a truly unique

engagement ring. At Boston

Louis Jewelers in Pequannock,

we have a wide selection of

vintage, estate and antique

engagement rings priced from

around $190 and up. We

also have many dia-

monds and gem-

stones from these

periods for

those who

would like

either to

replace stones

lost from family

heirlooms or to pair

an old diamond with a

history with a modern setting.

This information is

brought to you by Boston Louis

Jewelers, located at 151

Newark Pompton Turnpike in

Pequannock. Call us for our

store hours at 973-694-9073.

Shopping for a unique engagement ring? How about an antique!


Guide


15/28

Music is an integral

element of many of

lifes special

events. The score of a movie

can carry a film, and a tender

song can bring tears to a per-

sons eyes during a stage pro-

duction.

Many couples spend lots

of time choosing a song for

their first dance at their wed-

ding. While that song is sig-

nificant, couples should

devote lots of time to choos-

ing a band or deejay for the

reception as well.

Statistics compiled from

a variety of sources, includ-

ing USA Today, The

Knot.com and Brides maga-

zine, point out that roughly

80 percent of guests say the

thing they remember most

about a wedding is the enter-

tainment. When asked,

many couples admit they

wish they spent more time

and money choosing their

wedding entertainment.

Music helps make mem-

ories and gets guests on their

feet. Those who enjoy them-

selves most at the wedding

are often the people who are

on the dance floor. It is

important to note that price

shouldnt be the deciding

factor for wedding day enter-

tainment. It is crucial to see

the entertainment provider

in action to judge for oneself

just how good he or she is.

One of the best ways to

witness a deejay or band in

action is to attend a wedding

where they will be working.

Find out if you can spend a

little while peeking into a

wedding and gauge guests

responses to the music and

find out how the entertain-

ment engages the crowd. The

entertainer may be able to

arrange this with a cou-

ple from an upcoming

wedding so that you

dont necessarily have

to crash the wedding. If

a musical entertainment

company is wary of letting

you see players in action, it

may be an indication to look

elsewhere.

Another good way to

see for yourself if the enter-

tainment factor is high is to

pay attention to the bands

and deejays used at weddings

you attend. If you are plan-

ning nuptials in

a year or the

months to come,

take the cards or

information of

the entertainers

you come across

at weddings

and any special

event parties. If

there is someone who is

doing an impeccable job,

there should be no hesitation

to hire that person for your

own wedding. Dont be

embarrassed to ask a friend or

family member for the name

and number of their deejay.

If you have specific

music requirements, such as

cultural music or certain ver-

sions of songs you prefer to

be played, it is key to discuss

this with the deejay or band

ahead of time and confirm

they can meet your needs.

Certain wedding vendors

may promise you the world

but fail to deliver. Ask the

deejay for a playlist to see his

or her selections for the wed-

ding. Find out if the band has

a compilation they can send

to you so you can see how

they sound performing some

of the more popular songs

typically played at wedding

receptions.

If you like a particular

band or deejay, double-check

that the people you see play-

ing are actually the ones

who will be performing at

your wedding. Many times

performers are part of larg-

er companies that have

many people working under

one name. If youre not

careful, you may not get the

same performer you had

hoped for. Request specific

individuals if you want to

guarantee that the music will

be what you heard at a previ-

ous wedding or during a trial

performance.

Music can make or break

a wedding reception. Invest

ample time into selecting and

trying out vendors to ensure

fun is to be had by all.


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Spending time and money selecting the right band or deejaycan ensure your wedding is a fun-filled event.

b lif dl i j M h 6 2013P 16 Z 2


16/28


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The big and little differencesyou will experience with Crown:

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i it b it t lif dl i jMarch 6 2013 Zone 2 Page 17


17/28

Anello fence, located

at 50 Route 23 is

proud to carry on

through 50 years of fences

within the Anello family.

Anello Fence invites local

residents and customers to

celebrate with the fourth

generation. To understand

our business, I think its

important to take a look at

where we came from and how

the family has progressed

over the last 50 years, says

Steve Anello, owner of

Anello Fence (not affiliated

with any other company).

As immigration began to

taper off in the mid-1950s, a

key local character found his

way onto American soil from

his homeland of Italy. Emilio

Anello, Sr. came to the

United States in 1956 and

began working for a local

company in the fence indus-

try. Little did he know, this

move would set the pace for

the rest of his life and impact

his family for generations to

come. Shortly after breaking

into the fence industry,

Emilio was joined by his

brother Joseph and his father

Salvatore Anello. Seven

years later, on Route 23 in

Wayne, Anello Bros, Inc. was

born. Emilio Anello, the

founding father of Anello

Bros., Inc. and the person

responsible for making the

Anello name synonymous

with fences, came to America

in search of an opportunity;

he is the very embodiment of

what the American dream

looks like, says Steve

Anello, Emilios son.

Over the course of the

next decade and a half, the

company outgrew its Wayne

location and moved to a larg-

er location. Salvatore would

travel between New Jersey

and his hometown in Italy

frequently to accommodate

his Italian real estate business

while playing an invaluable

role in his sons fence compa-

ny until 1968 when he

retired.

Throughout the years,

Anello Bros., Inc. improved

their trade, constantly push-

ing to remain a frontrunner

in the fencing industry.

Anello was not only the

largest retail fence establish-

ment in Northern New

Jersey, but also was a major

wholesale supplier to many

other fence companies in the

Northeast. In 1967, Emilio

and Joseph purchased and ran

a saw mill in Vermont to

manufacture their own wood

fences. The saw mill supplied

not only their store but many

other fence companies, and

ultimately many homeown-

ers. 1974 brought on the

addition of self-manufactured

chain link fences by running

three machines twenty-four

hours a day. Finally in 1999,

Steve Anello began fabricat-

ing PVC fences as the very

first in the area to do so.

Currently Anello is one of

North Jerseys largest suppli-

ers of the product and now

runs three PVC machines

daily. Today Anello Fence,

LLC owned by Steve Anello

offers several additional fenc-

ing varieties like arbors, mail-

boxes, mailbox posts, bamboo

50 years of fences! The Anello family

celebrates its 50th yearin the fence industry By Joe Pellegrino Jr.



visit our website at www lifeandleisurenj com March 6, 2013Page 18, Zone 2


18/28

are completely washable and may be

used under the seatbelt after surgery.Chairperson Alexandria Sarra can bereached at 973-405-0088. All monetarydonations, used to purchase polyfill forthe pillows, should be made payable toMTWC and should indicate ComfortPillow in the memo. Please mail checksto P.O. Box 267, Montville, NJ 07045.

Lincoln Park resident parents of childrenturning three to 21 years old (includingstudents attending non-public schools,and homeless and migrant children who

reside in Lincoln Park): the public schools

offer remedial programs for eligible chil-dren. If your child is experiencing physi-

cal, sensory, emotional, communication,cognitive, or social difficulties, help isavailable. Contact Mrs. Grace Marinello,supervisor of special services, at 973-696-9150 to arrange a meeting withmembers of the child study team. If eligi-ble, an educational program will be pro-vided at no charge.Mothers & More is a not-for-profit groupfor both stay-at-home and workingmoms. It features monthly meetings,playgroups, mom-and-tot outings, mom-

fence and aluminum fences.

Steve Anello is now introduc-ing his three sons to the fence

industry, making four genera-

tions within the industry.

Anello Fence is one of

Northern New Jerseys top

fencing contractors. Their

goal is to provide the best

quality fence while still

remaining an affordable solu-tion for your needs. Fences

are manufactured to face the

test of time, all the while

reflecting a timeless beauty.

After 50 years in the industry,

the Anello family often mar-

vels at the progress of the pre-

vious five decades. It is such

an honor to be where I amright now, bringing up my

three sons as the fourth gen-

eration of Anellos in the

fence industry and at the

same time honoring my

father and his brother Joseph

for all of their hard work over

the years, explains Steve

Anello.Celebrate 50 years of

family fencing with Anello

Fence. Do not be misled by

imitators; there is only one

Anello Fence in one location

- 50 Route 23 North,

Pequannock. Call 973-835-

4100 for an estimate or visit

our indoor show room

and ask for Steve Anello!

www.anellofence.com


NAIL DOWNYour Spring To-Do List

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"!

50 years of fences


Community Happenings





19/28

DIRECTIONS

Preheat the oven to 375

degrees F. Line a sheet pan with

parchment paper.

Combine the flour, sugar,

baking soda, and salt in the

bowl of an electric mixer fitted

with the paddle attachment.

Add the butter and mix on low

speed until the butter is mixedinto the flour.

With a fork, lightly beat

the buttermilk, egg, and orange

zest together in a measuring

cup. With the mixer on low

speed, slowly add the butter-

milk mixture to the flour mix-

ture. Combine the currants

with 1 tablespoon of flour and

mix into the dough. It will be

very wet.

Dump the dough onto awell-floured board and knead it

a few times into a round loaf.

Place the loaf on the prepared

sheet pan and lightly cut an X

into the top of the bread with a

serrated knife. Bake for 45 to 55

minutes, or until a cake tester

comes out clean. When you tap

the loaf, it will have a hollow

sound.

Cool on a baking rack.

Serve warm or at room tem-perature

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

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

HAPPY HOUR (3pm to 6pm Monday - Saturday) at Bar Only$3 House Wine - $3 Domestic Beer - $4 House Martinis & Drinks

1/2 PRICE APPETIZERS (4:30pm to 9:30pm Monday - Thursday)

ST. PATRICKS DAY

MARCH 17TH1-7PM

OPEN SUNDAY$1399$1499

RESTAURANT

OPEN EASTER SUNDAY, MARCH 31ST 1-6PM

Cannot combine with any other offers. Coupon must be presented before ordering.Maximum 2 coupons per table. Not valid for parties of 8 or more.NOT VALID ON HOLIDAYS. Excludes tax. Expires 4/6/13.

*

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

6. Fried Shrimp & French Fries7. Hamburger Platter with French Fries

*

With the purchaseof a beverage.

$599MONDAY - SATURDAY

CORNED BEEF

& CABBAGE

FISH & CHIPS

Fresh seafood, the finest quality meats, seasonal ingredients and a chefwho ensures every course is prepared to perfection. Thats our recipe for success.

49 MAIN STREET | BLOOMINGDALE

973.492.2211 | 1.888.522.Lina (5462) | www.LinasRistorante.comJust off Routes 23 & 287 Open Wed, Thurs & Sun 12pm-11pm Fri & Sat 12pm-12am

Restaurant & Fine Catering

Catering For All Occasions, On & Off Site

Gift Certificates Available

Daily Lunch Buffet & Full Menu with Specials

Take-Out Full Bar

ATouchOfItalyInBloo

mingdale

A Warm, Elegant & Engaging Atmosphere

LinasA Touch Of Italy In BloomingdaleSince 1983

of course! Ensurethe Perfect Datefor Your

Special Occasion...Book Now!

WE WILL BE OPEN

FOR PRIVATE PARTIES ONMONDAYS & TUESDAYS

visit us on facebookwww.linasristorante.com

CUSTOMERAPPRECIATIONNIGHTEvery Wednesday & Friday

4PM-11PM

50% OffEntire Check18% Gratuity added to total bill.

Not valid with any other offers.

CASHONLY

MakeYourReservationEarlyforOur

FamousEasterDayBuffet

INGREDIENTS

4 cups all-purpose flour, plusextra for currants

4 tablespoons sugar

1 teaspoon baking soda

1 1/2 teaspoons kosher salt

4 tablespoons (1/2 stick)

cold unsalted butter, cut into

1/2-inch dice

1 3/4 cups cold buttermilk,

shaken

1 extra-large egg, lightly

beaten

1 teaspoon grated orange zest1 cup dried currants

Irish Soda Bread



20/28

hat. The one who gets the

most in the hat wins.Freeze dance: Play Irish

music and children have to

freeze when the music is

shut off. If someone moves,he or she has to sit out.

Baking specialties: Invite

the kids to help bake some

delicious treats, such as cup-cakes with green frosting or

Irish soda bread.

Children celebrating St.

Patricks Day can do so in anumber of fun ways.

v s t ou webs te at j

261 Comly Road Lincoln Park 973-694-9571(Located in Lincoln Park Plaza)

DINE-IN or TAKE-OUTServing Until 9pm

CATERING

FORALL

OCCASIONS

CATERING

FORALL

OCCASIONSLincoln Park Diner

Corned Beef & Cabbage,

Boiled Potatoes, Sliced

Carrots & Soda Bread

$10.95

St. Patty's DaySpecial

Also serving...Fish & Chips and

Sheppards Pie

Pattys Day for the Kids


NEWwhats

in dining?

Feature Your:

Late NIGHT places to nosh

Brunch & Lunch HOT SPOTS

Best ROMANTIC Choices

KID-friendly Eateries

To Advertise Call 973.696.8008

Life& Leisure

The Dining Guide Section



21/28

Once they have walked

down the aisle and

returned from theirhoneymoon, the next step

many newlyweds look forward

to is buying their own home

together. Though there are

deals to be had in any real

estate market, the cost of home

ownership is something many

newly married couples cannot

instantly afford. Thats espe-

cially true for the increasing

number of couples who pay for

their weddings without anyhelp from family.

Such couples still harbor

the dream of home ownership,

but realizing that dream can

seem like a daunting task. But

the task grows easier when cou-

ples begin to exercise some

financial restraint. There are

many cost-cutting measures

newlyweds can take that will

help them save money for

whatever their next big pur-chase might be.

Learn to cook. Learning to

cook is not only a rewarding

lesson, but also one that can

help newlyweds save a signifi-

cant amount of money.

Contrary to popular belief,

cooking isnt terribly difficult.

Gourmet meals might require

some natural culinary inclina-

tion, but more standard fare

can be as simple as following arecipe. For those who have

never stepped foot in a kitchen,

it might be a good idea to take

cooking lessons. Such lessonsare typically inexpensive, and

the cost of the lessons will be

recouped once couples start

Question: Why is

renters insuranceimportant?

Answer: Renters insurance

provides coverage for the

personal content you own. It

protects extensively, ranging

from your socks to your

MacBook Air. Specialty

items such as antique jewelry,

musical instruments, collec-

tors items, even handguns

can have separate floaters or

increased coverage.With your renters policy,

you will have liability cover-

age, as well. Lets say, for exam-

ple, that its the week after

your wonderful Super Bowl

colloquy. You receive a hand-

delivered notice letting you

know that youve been served

because that mysterious patron

at your gathering ended up in

the hospital from the fall he

sustained in your home whilehe was extremely intoxicated.

With renters insurance, you

have a policy that will keep

your savings or future wages

pretty well secured.

The gem for a renterspolicy is that your personal

belongings anywhere around

the world are covered. If you

are vacationing in Jamaica

and your Dooney & Bourke

suddenly grows the feet of a

track star, it is still covered.

The outlay for a renters policy

is very minimal, while the

protection is very vast.

Whether renting an apart-

ment with eight other neigh-

bors on your floor, or renting a

private dwelling with yourown backyard, renters

Insurance is a very wise

investment.

From apartment fires to

the random burglary, after

something bad happens is not

the time to secure your

belongings. Contact me today

and lets protect the legacy

you build.

E. Andre Bolden is your

local Farmers Insurance agent,

seeking to provide you with

the protection you need, valueand deserve. For more infor-

mation or to ask a question

please call him on his cell

908-977-6786 or at the office

973-265-3878. You may also

e-mail him at ebolden1@farm-

ersagent.com or visit www.

farmersagent.com /ebolden1

where you can receive a quote

and bind your own renters or

auto policy in minutes.

j

MARIA FERRITO

973-986-6914 Cell

!!!""#!&

NJAR MILLION DOLLARSALES CLUB 2001

NJ CIRCLE OF EXCELLENCE2002-2012Consistent

TOP PRODUCERin the WAYNE area.

"&%!$&

Townhome SpecialistRelocation Agent

CallMARIA FERRITOfor CURRENT MARKET

VALUE OF YOUR HOME

WAYNE $599,999Custom Renovated 4BR, 2.5BA

Colonial, Gourmet Eat-In-Kitchen with

Granite. Over 1/2 Acre Property.

Wayne Office #1 Listing Agent

SHORT SALE AGENTOwe more than your

home is worth?

ALSOA

VAILAB

LEFOR

RENT

Wayne Office 1410 Valley Rd Wayne, NJ 07470Office: (973) 694-8000 Fax: (862) 345-2142

Address: ____________________________

No. of Bedrooms:______________________

Name: ______________________________

Email: ______________________________

Town: ______________________________

No. of Bathrooms: ____________________

Phone: ______________________________

Condition of Home 1-10: ________________

Please Print Clearly

Questions for your protection By E. Andre BoldenCost-cutting measures

for newlyweds




22/28

Century 21 Crest Real

Estate announced that

New Jersey Monthly

Magazine recently recognized

Nicole Ruggiero and Ann

Marie DeGeorge with its Five

Star Real Estate Agent Award,

which recognizes excellence in

service, integrity, market

knowledge, communication,

negotiation, closing prepara-

tion, finding the right home,

marketing of home and overall

satisfaction. Winners of this

award will be featured in the

March 2013 issue of New Jersey

Monthly Magazine.

Century 21 Crest Real

Estate could not be more proud

of Ann Marie and Nicole, said

Broker/Owner Patricia

Wojtyszyn. Nicole and Ann

Marie approach everything

they do with passion and pro-

fessionalism. They have truly

become fixtures within the

Northern New Jersey residen-

tial and commercial real

estate community.

It is a great honor to be

recognized by New Jersey

Monthly Magazine, said Ann

Marie DeGeorge. Ann Marie is

looking forward to focusing on

her burgeoning commercial

real estate career in 2013.Adding commercial real estate

business to my years of residen-

tial experience has been both

rewarding and exciting. The

unwavering support of my fam-

ily and my colleagues at

Century 21 Crest Real Estate

undoubtedly helped to make

receiving this award possible.

Doing what you love makes

even the most challenging days

enjoyable.I am honored and hum-

bled to have received this

award. It proves that all of the

hard work and dedication to

each and every client pays off,

said Nicole Ruggerio.

For all of your real estate

needs you can reach either at

the office at 973-646-7419 or

directly; Ann Marie DeGeorgeat 973 646-7475 and Nicole

Ruggerio at 973 646-7439.

Servicing the Northern

New Jersey area since 1981,

Century 21 Crest Real Estate,

Inc. has enjoyed a fine reputa-

tion specializing in residential,

commercial and rental proper-

ties. Crest Real Estate, Inc. is a

full-service real estate agency

located at 142 Professional

Center on Route 23 North inPompton Plains.

Century 21 Crest Real Estate agents recognized for excellence in

service and integrity in local publication

Ann Marie DeGeorgeNicole Ruggiero



23/28

SMARTER. BOLDER. FASTER.

Make your first choice the right choice. Call Danielle today at 973.460.4352

Advertising on over 170 websites Direct access to all real estate listings

Short Sales & Foreclosure Certification

NJAR Circle of Excellence Award 2006-2012Centurion Award 2012

DANIELLE FIORINAREALTOR

, ABR

142 Route 23 N

Pompton Plains, NJ 07444

[email protected]

www.daniellefiorina.com Office: 973.646.7440

FEATURED HOME

OF THE WEEK

LINCOLN PARK $349,9004 bedrooms, 2 bathsHOMES ARE SELLING & BUYERS ARE BUYING!

Address Beds Baths Style Original Price Reduced To Sale Price % of OP

7 Romondt Rd 3 1.1 Cape Cod 190,000 153,900 108,400 57

5708 Tudor Dr 2 2.1 Townhome 285,000 279,900 270,000 95

23 Center St 3 2 Cape Cod 325,000 297,500 291,250 90

269 Turnpike 3 3 Colonial 319,900 299,900 280,000 8868 Fourth St 3 2.1 Cape Cod 369.900 345,000 93

33 Hopper Ave 3 1.1 Tudor 409,000 395,000 381,500 93

6 Greenview Dr 3 1.2 Colonial 409,000 392,500 96

8 William St 3 1.2 Colonial 429,900 402,000 94

219 Boulevard 4 3 Custom 499,900 475,000 95

40 Mountain Ave 4 2.1 Colonial 650,000 612,500 585,000 90

43 Woodland Pl 4 2.1 Colonial 679,900 659,900 650,000 96

17 Manor Ave 4 3 Colonial 679,900 668,600 98

25 Dale Ave 4 2.2 Colonial 805,000 690,000 85

132 Gettysburg Way 1 1 Townhome 164,900 130,000 79

26 Roome St 3 1.1 Ranch 165,000 160,000 97

176 Stonyridge Dr 2 1 Condo 204,800 195,000 95

151 Robertson Way 2 2 Condo 229,000 220,000 96

71 Comly Rd 3 3 Ranch 459,900 445,000 420,000 91

POMPTON PLAINS $419,9004 bedrooms, 1.1 baths

POMPTON PLAINS $375,0003 bedrooms, 1 bath

PEQUANNOCK $249,9003 bedrooms, 1 bath

PEQUANNOCK $239,9003 bedrooms, 2 baths

LINCOLN PARK $450,0004 bedrooms, 2.5 baths

LINCOLN PARK $229,9003 bedrooms, 1 bath (non-flood)



24/28

cooking for themselves and

stop relying on costly meals outon the town. Couples who

learn to cook together might

also find it strengthens their

relationship.

Downgrade the apartment.

Non-married couples who live

together commonly prefer

two-bedroom apartments,

using the second bedroom as a

guest bedroom/home office.

The cost of a two bedroom is

more than a one bedroom, but

non-married couples often feelits worth the extra money. No

matter how negligible that

extra cost is, newlyweds saving

for a home should consider

downgrading to a one bed-

room (unless one person works

from home). This can help

save some money on a month-

ly basis, enabling newlyweds

to inch closer to the day when

they will have enough money

saved to make a down pay-

ment on their own home,which can then have as many

rooms as couples prefer.

Furnish the home piecemeal.

One advantage todays newly-

weds have over those of yester-

year is that many live together

before walking down the aisle.

This means theyre not really

starting from scratch once

they get married. A typical

modern couple already has

enough furniture and other

household items to get by oncethey have moved into their

new home. For those con-

cerned about how theyre

going to furnish a home once

theyve signed on the dotted

line, one way to cut those costs

is to hang on to what you cur-

rently have, and steadily buy

new items one-by-one after

youve moved in. Rather than

facing the hefty bill couples

can expect if they buy every-

thing at once, newlyweds whogo the piecemeal route will

find its much less stressful to

furnish a home piece-by-piece.

Find ways to make home

ownership work. First time

home buyers are typically

shocked at the cost of home

ownership. However, commu-

nities might offer a class that

explains the home-buying

process and how best to navi-

gate it. Some lenders even

offer a lower interest rate toprospective buyers who have

completed such a class. Such a

discount can save couples a

significant amount of money

over the course of the mort-

gage, and the classes can give

couples a better understanding

of what theyre getting into by

buying a home.

/(++/

)+-""!(%!+

973-200-3262 Direct 973-454-5183 Cell 973-837-9616 Fax

[email protected] a "Family of Clients" with a strong belief in the "Client for Life" Philosophy.

Call today for a complimentary mortgage review.

).-!)+-#)'*-)(&$(,

0

OWN THESE HOMES FOR...To Qualified Buyers.

.13&&$8,$-32+(23$#!.5$1$!2$#.-/1(-"(/+-#(-3$1$23.-+8-##.$2-.3(-"+4#$37$2(-241-"$.1".-#.#4$2.13&&$8,$-32+(23$#!.5$1$!2$#.-#.6-/8,$-3!2$#.-"1$#(32".1$2.%$!1418$1,2%.1.-#.2+(23$#!.5$1$24!)$"33.,$$3(-&--($$4(#$+(-$2'(2(-%.1,3(.-(2-.33.!$".-2(#$1$#".,,(3,$-33.+$-#1.&1,2-#3$1,21$24!)$"33."'-&$6(3'.43-.3("$$-#$12.1/(2("$-2$#.13&&$-*$133$2.%-#-*(-&$/13,$-3204+.42(-&$-#$1

Is your current mortgage rate above 3.875%?If so, NOW is the time to refinance your mortgage!

POMPTON PLAINS $419,900$1,532 per month

30Yr Fixed w/0 points. 3.625/3.700% APR

PATERSON CITY $194,000$719 per month


POMPTON PLAINS $529,321$1,931 per month


POMPTON PLAINS $1,399,000$5,424 per month

30Yr Fixed w/0 points.4.125/4.161% APR

POMPTON PLAINS $149,000$544 per month


WEST MILFORD $599,700$2,222 per month


WEST MILFORD $479,900$1,751 per month


POMPTON LAKES $199,000$726 per month


WAYNE $139,000$507 per month


PEQUANNOCK $829,900$3,075 per month


MORRIS TWP. $689,900$2,556 per month


WEST MILFORD $234,000$854 per month


RIVERDALE $209,900$766 per

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