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Results happen at Retro

Fitness of Wayne. Case

in point: 24-year-old

Sharniece Dennis, winner of the

Retro Fitness weight-loss chal-

lenge. Just over a year ago,Sharniece was severely over-

weight, unsatisfied with her

body and suffering from

back problems.

I was told it would be

difficult to even find an

MRI machine that would fit me,

said Sharniece. I knew some-

thing had to change. She began

her journey in December 2011

and while she made significant

improvements (losing over 100pounds in one year), by the end of

2012 she found herself plateau-

ing. Thats when she heard about

the competition at Retro Fitness

of Wayne.

In an effort to drive results

with direction, Michael Foti Jr.

(general manager), Len Weiss

(personal training manager) and

Danielle Hulahan (registered nurse

and certified personal trainer)

crafted the Retro Fitness weight-

loss challenge. Starting on January

22, contestants were trained anddirected by Lens staff

for a total of 10 weeks. This

was the perfect opportunity to

relight the fitness spark in

Sharniece. She spent the next 10

weeks in regular communicationwith her trainer, Danielle

Hulahan, who provided her with

the support and encouragement

she needed. Weekly personal train-

ing sessions were supplemented by

individual workouts throughout

the week. Contestants were

encouraged to spend three days

doing cardiovascular exercise and

another two days focusing on

strength-training.

Additionally, we had con-

testants keep a journal of their

progress and eating habits.Sharniece kept an outstanding

journal, which I

believe contributed immensely to

her success, said Danielle.

Sharniece entered the com-

petition at 238.6 pounds and 41.7percent body fat. In just 10 weeks

she lost a total of 41 pounds and

was down to 31.5 percent body fat.

Both in and out of the gym,

Sharniece took the competition

quite seriously. For me this chal-

lenge was more about my own per-

sonal lifestyle change than the

competition. Im glad I won, but

Im much happier with my

results, she said.

People see Sharnieces pic-

ture and they just want to know

her. She made massive strides thatare truly inspirational to everyone

she crosses paths with, said

Danielle.

At the end of the com-

petition, the participants

ran in the Rock and Run for

Education 5K, hosted in

North Haledon, where Sharniece

placed third in her age group.

Her fitness journey over the

past 18 months has been one of

hard work and success andisnt over yet! Id like to lose at

least another 20 pounds,

Sharniece added. With the sup-

port of her family, friends and the

team at Retro, she certainly has

the tools to do it!

Congratulations Sharniece

Results happen at Retro Fitness!

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

May 29, 2013

Zone 2, Vol. 11, No. 11

HOMEIMPROVEMENTSEE PAGES 18 & 19

continued on page 6


2/28

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

please e-mail your paragraph to [email protected].

MAY 29

On May 29 at 7pm in the Robert R.Lazar Gymnasium located at 123Changebridge Rd, Montville, the LazarBand Program is going to have its veryfirst fundraiser. The groups to perform

are the LMS Flute Choir and LMS JazzBand culminating the evening withMontvilles own student band Take a

Chance comprised of Lazars very ownstudents and a headline appearanceby Fridays @ 4 the Lazar FacultyRock Band. Suggested donation will be$5.00 at the door and there will be aconcession stand available throughoutthe evening. All proceeds will go to theLazar Band Program. Come out to sup-port this worthy cause and listen tosome great tunes brought to you bythe many talents at Robert R. LazarMiddle School for both the students

and teachers alike.

JUN 1-2

Attention bargain hunters and savvy

shoppers The G.F.W.C. MontvilleTownship Womens Club will hold its

13th Annual Town-Wide Garage SaleWeekend with many participants!!!This event is scheduled for Saturday,June 1 and Sunday, June 2 from10am-4pm, rain or shine. Mapsare available at: Baders, 290Changebridge Rd.; Town Hall; PublicLibrary on Horseneck Rd.; and thePublic Service Building on Main Rd.(Rt. 202). Come join the fun and shoptill you drop!!!! For additional infor-mation call Jean Bader at 973-229-

7740.

JUN 3

The Montville Chamber of Commerceis hosting a Tuscany evening underthe stars at the Pavillion at GlenburnEstates, 211 Hamburg Turnpike,Riverdale on Monday, June 3, from6:30-8:30pm. Ventimiglia Vineyard ofWantage and Jed Hershkovitz ofConey Island Pizza are teaming up toprovide a night of wine-tasting, appe-

tizers, salad and brick oven pizza, allfor the low price of $25.00. For moreinformation please visit www.montvil-lechamber.org or call the chamber

office at 973-263-3310. You dontwant to miss this night of fun and net-

working.

JUN 4

The Montville United MethodistChurch will be holding a fundraisingdinner on Tuesday, June 4 at the RedBarn Restaurant 466 Main Road

(Route 202) in Towaco from 4:30-8:00pm. The profits from this dinnerwill help fund the churchs mission t ripto the Red Bird Mission in Beverly,Kentucky, where members of the

church help low income families byrebuilding homes. For further infor-mation call 973-334-1603.

JUN 8

Lincoln Park EMS is holding a carwash fundraiser on Saturd ay, June 8thfrom 9am2pm at the First ReformedChurch of Lincoln Park on Chapel Hill

Road in Lincoln Park. Please come outand support the volunteers in yourcommunity.

JUN 14

Enjoy an evening of friends and wineeducation, at Your Own Winery, to

benefit FOWA on Friday, June 14 from7-10pm. Tickets are $25 all funds

raised will go directly to food, medica-tion and vet bills for the animals. Topurchase tickets mail checks to FOWA,PO Box 3701 Wayne, NJ 07470 or payonline thru PayPal www.fowa.petfind-er.com. For more information pleasecall 973-902-7515.The Missionary Circle of the MontvilleReformed Church will hold its AnnualStrawberry Festival on June 14 from6:30-8:30pm. The proceeds from thisevent are used to finance their month-

ly meatloaf dinners at the MorristownShelter. Come and enjoy fresh straw-berries over vanilla ice cream and anassortment of fresh baked cakes anddesserts. Bring your family andfriends. Tickets are available at thedoor. The cost is adults-$6.00; childrenages 3-12-$3.00 and under 3 free.Take out is avail able. Montv illeReformed Church, Church Lane,Montville. For information call thechurch office at 973-263-0530.

Voices of Praise, a 65 voice choralgroup with orchestra, comprised ofvocalists from many different church-es, will be holding a Sacred Concert to

benefit 2 local Missions. It will be heldon Friday, June 14, at 7pm, at the

Covenant Christian Reformed Church,located at 400 N. Haledon Ave. inNorth Haledon. Sheila Smith, conduc-tor, and husband, Philip Smith,Principal Trumpet in the New York

Philharmonic, will be accompanyingthe orchestra and Voices of Praise.Come and enjoy an evening of inspira-tional and uplifting music to the Gloryof God. The concert is free, but a free-will offering will be taken to benefitthe two missions.

JUN 21

Members of the PTWGL are invitedto accept the challenge of a new for-mat for play in their 14th AnnualScramble on Friday, June 21 at theMeadows Golf Club in Lincoln Park. 18holes of team play begins at 8:15am

with a light breakfast followed by ashotgun start at 9am. The modest$72.00 registration is due by June 3and includes 18 holes of golf, electric

cart, welcome breakfast, lunch andprizes. Mail-in registration forms areavailable through Helene Scott oryour League flight secretary. Direc t all

questions to Helene via email: [email protected] or by phone at 973

696-5078.Around theCommunity...Global Missions in your own home:The American Experience is a pro-

gram of Eastern Christian School iscurrently seeking host families forInternational Students aged between13 and 18 for their 2013 summer pro-

gram which will take place from July21 - August 6. Many of these studentshave never heard the gospel and thiswould be a gre at opportunity for g lob-al missions right in your own home.As a host family, you will offer ayoung International Student theopportunity to discover Americathrough your eyes. Your family willnot only gain a new family member,you will also learn about a different

culture, its values and traditions, lan-

guage, food, and more. TheInternational Students will be in classor activities every weekday. Families

visit our website at www.lifeandleisurenj.com May 29, 2013Page 2, Zone 2

100% Mailed, Bi-Weekly 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 trademark of Life & Leisure, LLC.

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In September 2010, Iwrote an article for this

publication called Am I

Prepared? Three hoursbefore the surgeon took a cir-

cular saw to cut open my

chest in preparation for aquintuple bypass, I penned

the article as a testament to

my family, colleagues, clientsand readers that I was indeed

prepared. My estate planning

documents were complete

and in force. My premiums

for life, disability and health

insurance were all paid. My

executor, trustees, health

proxies and advocates were

all named. And in the event

of the primary representa-

tives incapacity or inability

to perform the duties andresponsibilities, successors

were also chosen, named and

empowered.

Regardless of the suc-

cess, failure or outcome of my

major surgery, nothing finan-

cially was left to chance. My

planning would have paid off

regardless if I died, became

incapacitated or were left

impaired in any way. My

house would continue to pro-vide shelter and be home for

my family. Food and clothing

would be plentiful. The edu-

cational funding plans for my

children would continue

including a fully funded

retirement program for my

wife. All the bills for the

next 80 years would have

been provided for, including

an income to take care of me

if I survived, but impaired,for I would not want my fam-

ily to alter or drastically

change their lives to care fora new special-needs husband

or father who required

around-the-clock care.

Every contingency was

planned for in advance,

which made it a little easier

when the anesthesiologist

asked me to count backward

from 100 to one. I possessed

the peace of mind knowing

that I had done everything

possible, in ad-vance, to pro-tect my family and keep

them fed, warm and secure,

regardless of the outcome of

this procedure or any future

situation. Its a good thing,

too there were many med-

ical complications, extended

stays in the hospital, rehab,

over 200 doctors and a $2

million bill from the hospi-

tal. My recovery was nothing

short of a miracle, accordingto the neurologist.

What happened to me

during the surgery and imme-

diately afterward isnt impor-

tant in this article. What is

important is preparedness!

Let me ask you the question

again: Are you prepared?

Recently, two of my col-

leagues and friends, ages 57

and 40, were both diagnosed

with malignant brain tumors.The skilled surgeons drilled

into their skulls to remove as

much of the tumors as

humanly possible and now

they face a dire prognosis,

tough debilitating treatments

and poor odds for long-term

survival. Its a little too late

to purchase or increase their

life, health, disability or

long-term care insurance, or

purchase a cancer policy. Itmight also be too late for the

attorney to prepare, sign and

witness any will, trust, health

proxy, power of attorney or

living will document! But

my friends need not worry

about such matters because

their planning was all care-

fully designed and prepared

well in advance of their terri-

ble diagnosis. I am sincerely

proud of my two friends, forthey truly practiced what

they preached and were defi-

nitely prepared. Their lives

were governed by the seven

Ps: Proper Prior Planning

Prevents Poor Performance

Period!

Are you prepared now,before tragedy strikes? Are

you also prepared for your

largest long-term issue? By

this I mean the length of

time you will spend retired

with no working income or

bi-weekly paycheck? This is

equally as important to plan

for as a sudden or tragic ill-

ness, since at least one of

these contingencies is in

your future. Id like to hopeits a long and successful

retirement that must be

planned for, initiated today

and continually funded until

the moment before you get

your last work-based pay-

check! There is no other

alternative whatsoever!

My advice is for you to

never have to utter the

words, Woulda, shoulda,

coulda done something aboutmy retirement, estate and

contingency planning last

year. I implore you to work

with a qualified and compe-

tent estate-planning or elder

law attorney immediately.

You will also need the help

from an expert financial

advisor and insurance agent

to be properly prepared for

your future. If you need

financial help, advice or alegal referral, I can help you.

Havent you delayed long

enough? Its time for you to

put this on the front burner

today! My contact info

appears below there is

never a fee to call or meet

with me, so why hesitate?

Ask for Amber when you

call; Amber is my personal

assistant and will set up a

mutually convenient time forus to get together and talk.

Are you prepared? By Mark Charnet


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5/28



6/28

Scientists in England,

led by professor Paul

Sharpe, an expert in

craniofacial (head and

brain) development and cell

biology at Kings College in

London, have developed a

new method of replacing

missing teeth with bioengi-

neered material from a per-

sons own gum cells.In his work, professor

Sharpe and his researchers

isolated adult human gum

tissue, grew more of it in his

lab, and then combined it

with the embryonic cells of

mice that form teeth (mes-

enchymal cells). By trans-

planting this combination

of cells into mice, they

were able to grow hybrid

human/mouse teeth contain-

ing all the elements of natu-

ral tooth enamel, dentin androots.

These easily accessible

gum cells are thus a realistic

source for consideration in

human bio tooth formation,

said professor Sharpe. The

next major challenge is to

identify a way to culture

adult human mesenchymal

cells to cause tooth forma-

tion.Someday, our own gum

cells could be used to replace

missing, broken or infected

teeth in humans.

Dr. Peter Brusco is a 1980

graduate o f The University of

Pennsylvania and has been

practici ng in Kinnelon since

1982. Dr. Bruscos practice is

located at 170 Kinnelon Road,

Suite 29A in Kinnelon. Youmay reach him by calling 973-

838-5862 or visit him on the

web at www.drbrusco.com.

Scientists develop

natural tooth

replacement By Peter Brusco, DMD

on your success!If you are interested in

learning more about the

results-driven fitness pro-

grams at Retro Fitness of

Wayne, visit them at 60Owens Drive in Wayne or

call 973-389-9003.

Its time to be prepared for

your financial future. I hope

to hear from you today!

Mark E. Charnet is presidentand founder of American

Prosperity Group. APG is the

premi er ret irement and

estate-planning franchise in

the U.S. with 18 offices in

nine states. Charnet is a certi-

fied annuit y speciali st and cer-

tified senior advisor with 32

years of experience in the

retirement and estate-planning

field s. Crea tor of the Trinit y

Method of Investing, he en-courages your inquiries and

can be reached at

877-885-1274,

973-831-4424 or

[email protected].

Check out our website at

www.1apg.com. Interested in

a career in retirement and

estate planning?

Check out this website:

www.apgfranchise.com.

Securities through: BCGSecurities, Inc. Member

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Results happen at Retro Fitness! Are you prepared?

continued from page 4


Before


7/28


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In many ways, todays kids

have busier schedules than

any previous generation of

youngsters. Many extracurric-

ular activities, including

sports, require a nearly year-

round commitment, and the

dual-income household has

landed many kids in after-

school programs where kids

tend to do their schoolwork or

engage in various activities

that keep them from resting

on their laurels.

But those busy schedules

get a lot less hectic when the

school year ends. Once school

is out, kids use to a full sched-

ule might find themselves with

lots of time on their hands.

Though its good for kids to

squeeze in some rest and relax-

ation during their summer

break, its also important for

kids to stay active so they

dont develop poor habits as

the summer goes on. In addi-

tion, the American Psycho-

logical Association notes that

kids who are physically active

are more capable of coping

with stress and tend to have

higher self-esteem than kids

who do not include physical

activity as part of their regular

routines. The following are a

few suggestions for parents

looking for ways to keep their

kids active throughout the

summer while still allowing

them to recharge their batter-

ies after a long school year.

Plan an active vacation.

Summer is when many fami-

lies go on vacation, so why not

choose a vacation that

involves more than nappingpoolside? Though its still good

to leave some time for relax-

ation, find a locale where you

can embrace activities like

snorkeling, hiking, kayaking,

or other adventures that get

you and your youngsters off

the poolside chaise and out

exploring. Such a trip might

inspire kids to embrace an

activity more fully, getting

them off the couch not onlywhile theyre on vacation but

also when they return home

for the rest of summer.

Teach kids to garden.

Gardening might be seen as a

peaceful and relaxing hobby,

but it still requires a lot of

elbow grease and hard work

that pays physical dividends.

A garden must be planted,

hoed, weeded, and watered,and gardening gets kids out of

the house to enjoy the great

outdoors. When growing a

vegetable garden, kids might

embrace the chance to be

directly involved in the foods

that will eventually end up on

their dinner tables. Parents

can embrace this as an oppor-

tunity to teach the value of

eating locally-produced foods

and the positive impact suchbehavior has on the environ-

ment.

Go swimming. What

adults, who work in offices,

havent looked out their win-

dows on a sunny summer day

and thought how nice it would

be to be spending that after-

noon taking a few laps in a

lake, at the beach or in a pool.

Kids have the same daydreams

during the summer, so take a

day off every so often and take

the kids for an afternoon of

swimming. Swimming is a

great activity that exercises

the entire body, including the

shoulders, back, legs, hips, and

abdominals. In addition,

swimming helps kids and

adults alike maintain a healthy

weight while also improving

their cardiovascular health.

Its hard for some people to

find a place to swim once the

warm weather departs, so take

advantage of the summer

weather and go swimming asoften as possible while the kids

are not in school.

Limit how much time

kids spend watching televi-

sion, playing video games or

surfing the Internet. Many of

todays kids are as tech savvy

as they are busy. But its impor-

tant that kids dont spend too

much time online or on the

couch watching television or

playing video games. Such

activities are largely sedentary,

and they can set a bad prece-

dent for the months ahead,

even when the school year

begins once again. Parents

should limit how much time

their youngsters spend in front

of the television or the com-

puter during summer vacation;

keeping track and turning the

TV or computer off if they sus-

pect kids are spending too

much time staring at the

screen instead of being active.

Kids might not love it when

you turn their video games offor minimize their access to

social media, but explain the

limitations at the onset of

summer and let kids know you

expect them to be physically

active even if it is summer

vacation.


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9/28

just need to provide room and boardand a safe, loving environment in theevenings and on weekends. A stipend

is provided to cover all hostingexpenses. For more informationplease James Anderson at jamesander-

[email protected] or call908.328.9668.Dont miss the fun June programs at

the Lincoln Park Library! On Tuesday,June 11 at 5pm, take a healthyadventure to learn about food groupsand MyPlate, our current nutritionguide that helps with healthy eating.Bring your kids for a fun lesson in

nutrition and eating well! Dig Into

Reading during this years SummerReading Program will kick off onWednesday, June 26 at 1pm. Watch

Mark Zacharia put on a special magicshow and sign up for the SummerReading Club! On Monday, June 3 at7pm, learn how to make healthychoices at the grocery store. Shop Riteof Lincoln Parks Registered Dietitian

If you own financial assets

in foreign countries, you

may be required to file the

Foreign Bank Account

Report (FBAR). The form is

filed separately from your fed-

eral income tax return and

must be received by the

Treasury Department by June

30 each year. (June 28 this

year since June 30 is a

Sunday.)

The filing requirement

applies to accounts with a

combined value of $10,000 or

more at any point during the

calendar year. Be aware its the

value of the accounts that

matters, not how much

income, if any, that you

receive.

You may also have to file

an FBAR if the bank or bro-

kerage holding the account

will dispose of the assets based

on your signature, even if you

never use this power.

In addition to your per-

sonal accounts, FBAR regula-

tions extend to estates, trusts,

corporations, partnerships and

other businesses.

If you own foreign

investments, you may also

have an additional federal tax

filing requirement. Form

8938, Statement of Specified

Foreign Financial Assets, is

filed as part of your individual

tax return. You use Form 8938

to disclose interests in certain

foreign financial accounts

when your ownership exceeds

the reporting requirements.

What are the reporting

requirements? They vary

depending on where you live

and your filing status. For

example, say youre married

and live in the United States,

and you file a joint tax return

for 2012. You must include

Form 8938 with your tax

return when the total value of

your reportable assets on the

last day of 2012 was more than

$100,000, or if the value

exceeded $150,000 at any

time during the year.

Form 8938 is attached to,

and due with, your federal

income tax return. If you filed

an extension, you have until

Oct. 15 to complete Form

8938 for 2012.

Give us a call for assis-

tance with your foreign asset

reporting requirements.

Robert P. Sokoloff CPA & As-

sociates, PC is a full-service ac-

counting firm serving clients

throughout the Northern New

Jersey area, dedicated to provid-

ing our clients with professional,

personalized services and guid-

ance in a wide range of financial

and business needs. We are cur-

rently accepting new clients and

can be contacted with any of

your tax or business needs at

973-633-1001. You can

also e-mail us at

[email protected]

or visit our website at

www.cpanewjersey.com.


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Community Happenings


continued on page 10


10/28

will be teaching a class on nutritio nlabel reading. More detailed informa-tion on all of the Librarys programscan be found on our website: w ww.lin-colnparklibrary.org.Pequannock UNICO has three excit-ing trips to offer for your pleasure.The Millenni um Theatre to see thepresentation of Noah on August 7and 8 . An overnight stay, dinner atShady Maple Smorgasbord, breakfastand a guided tour of Pa. Amish Lands.Cost is $219 pp (double occupancy).

Italy in October, a 9 day, 7nightexcursion which features Sorrento,Naples/ Pompeii, The Isle of Capri,The Amalfi drive and Montecacc inofor $2599 pp double occupancy. Asecond Italy excursion- a12 day,10night tour of Venice, Florence, Rome,Tuscany, Assis i and Sorren to. Cost$3,259 pp, double occupancy. Thereis an additional charge on both Italytrips for those traveling alone. Pleasenote: all 3 trips require reservationsand full payment by mid-June. CallJoe Carabello at 973-835-0208 orJoan Deodato at 973-696-3799 formore information or to secure your

reservation(s).

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Wayne resident Rebecca Steinerwon Chilton Hospitals coveted

Service Star Award for

May 2013. She is a hospitalityaide for the Food and Nutrition

Services Department.

To help celebrate the grand opening of Coverage Specialists locatedat 580 Route 23 N. in Pequannock, were agency owners

Jeff Scafuro & Walter Zem, Pequannock Mayor Rich Phelanand members of the Economic Deve lopment Committee. MetLife

mascot, Snoopy, was also on hand for the festivities.

Community

Happeningscontinued from page 9



11/28

Blue eye shadow and

eyeliners are making a

comeback and are the

trend for the spring/summer

2013 season. Blue in various

shades from aqua to midnight

was seen on models eyes at

fashion shows around the

world. Blue eye shadow may

call to mind over-the-top,

almost clownish makeup

transgressions of the 1980s, so

women should use it sparingly

to make it look fresh more

than 20 years later. Keep blue

to lining the eyes or used as a

light pastel wash over the

entire lid. Those who are still

a bit frightened by blue can

stick with darker shades that

come close to looking like

black or brown. A sharp, thick

cat eye in an azure shade can

add a pop of drama. When

using blue on the eyes, keep

the rest of the face neutral

with nude lips and maybe just

peachy cheeks.

Swimsuit season is herald-

ed for the return of

warmer weather, but

often feared for the arrival of

revealing clothing. Swimsuits

are typically the most revealing

wardrobe items of all.

Shopping for a new swim-

suit may evoke feelings of fear

and anxiety, but women should

not be so afraid when swim-

ming season arrives. Instead,

employ the following tips to

suit up in a style that fits your

body and personality.

Pear-shaped women

or those with shorter

legs may benefit from a

style of swimsuit that

brings the eyes up to the

chest to draw attention

away from the lower half

of the body. Look for leg

openings that are mod-

erately high cut to elon-

gate the legs and do not

hit at the thickest part of

the thigh.

Women who want to

amplify the appearance of a

small bust are best to avoid

bandeau-style tops or skimpy

bikinis. Instead, look for tops

that have ruffles or other

embellishments that add more

substance to the bust area.

Underwire tops can also push

up and offer more support.

To minimize a thicker

middle, avoid shiny fabrics and

tankinis. Wear a solid-colored

suit that has high-cut legs or a

low-cut top to draw attention

away from the belly area.

Women with bigger busts

can still wear a two-piece swim-

suit if they choose that swim-

suit wisely. Opt for bathing

suits that have a hidden bra

inside or underwire. Avoid tri-

angle bikini tops. Also, skip

high-cut tops, which can make

a chest look even bigger but

squashed.

Those who are plus-sized

may have qualms about step-

ping out in a bathing suit.

However, there are many flat-

tering styles available. Look for

a wrap style that instantly slims

the middle. Keep swimsuits

simple so that pattern doesnt

overwhelm the body. You can

wear two-piece swimsuits, but

avoid string bikinis that may

dig into curves and cause

bulging.

Dont be afraid to a buy a

swimsuit one size up. Thanks to

the elastic and form-fitting

nature of swimsuits, you may

need to go for a bigger size for

comfort and also to flatter your

shape. Pay attention to how

the bathing suit looks on your

body rather than the size of the

swimsuit.

Once you find a swimsuit

you like, take note of the man-

ufacturer and style and remem-

ber to follow these guidelines

the next time warm weather

returns. Happy shopping.


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12/28

Summer and the warm

weather are just about

here. Its time to get off

our couches and venture into

the great outdoors. These

plans will often include your

furry, four-legged friends.

However, dogs and cats can

suffer from hot weather prob-

lems similar to those of the

human, like enduring the

heat, bugs and allergies. As it

gets hotter, it is important to

take some simple precautions

to keep our pets healthy and

safe from the hazards that

accompany summer.

Heat stroke is a very seri-

ous and very common occur-

rence during the summer

months and results when your

pets body temperature rises

above the normal range. Heat

stroke can be a life-threaten-

ing disease, can afflict dogs or

cats quite rapidly and be diffi-

cult to treat. A little preven-

tion can go a long way.

Certain pets may be predis-

posed to this condition such as

brachycephalic breeds (i.e.

pushed in nose) like a Bulldog

or Persian cat, overweight

pets, very young and very old

pets or ill pets. Heat strokes

occur a lot in late spring and

early summer because our pets

are out of shape and are not

yet acclimated to the hot

weather. Therefore, introduce

pets to exercise slowly. Also,

try to exercise pets in the

morning or evening when

temperatures are lower. Be sure

to provide your pet with plen-

ty of breaks for water and time

to cool down in the shade.

There are many ways to

avoid heat stroke. The most

known adage is to never leave

a pet in the car on warm days.

Even with the windows open,

temperatures in a car can rise

to deadly levels within min-

utes. Dogs and cats dont sweat

the same way we do. They

thermo-regulate mostly by

panting and can sweat mini-

mally through the bottom of

their feet. One of the easiest

preventative measures is to

make sure that pets have free

access to water and shade

when kept outside.

Early signs of heat stroke

may include rapid panting,

heavy breathing, excessive

salivation, increased body

temperature (i.e. above 100-

102 degrees), depression,

weakness, and vomiting. If

you suspect that heat stroke is

taking place, seek immediate

veterinary attention. In the

meantime, you should remove

the animal from the hot area

and start lowering your

pets body temperature. This

shouldnt be done too quickly,

which can also be dangerous.

Therefore only use cool water,

NO ice. An easy remedy is to

place cool water soaked T-

shirt on your pet and take

them right to your veterinari-

an. Aside from heat stroke,

more outdoor activities mean

the risk of outdoor traumas

and increased accidents.

Some tips include: not leav-

ing pets unsupervised around

a pool, make sure all pets wear

flotation devices on boats,

and try not to let your dog

drink pool water, which con-

tains chemicals that could

cause stomach upset.

Cats that are allowed out-

doors also venture out more in

the summer. Be on the lookout

for abscesses and other fight-

ing injuries. Cats that are

neutered or spayed may be at a

lower risk of such injuries as

they are unlikely to be

involved in mating-induced

aggression. The best way to

avoid these injuries is to keep

your cat indoors.

The warmer months also

means more bugs. Fleas are a

common pest that live off the

blood of their hosts and can

cause itching, or worse, an

allergic reaction called flea-

bite dermatitis. Fleas can also

be carriers for an intestinal

parasite called tapeworms.

Mosquitoes are another pest

that may carry heartworms,

which can be life threatening

to your dog and cat. More trips

to the dog park can also

increase exposure to infected

soil and intestinal parasites,

some of which are transmissi-

ble to people (zoonotic). In

North Jersey, we cant forget

about ticks that

can carry a variety

of diseases, most

notably Lyme

disease. Prevent-

atives for fleas,

ticks, heartworms

and intestinal par-

asites are available

from your veteri-

narian and should

be given year-round. The ben-

efits of prevention far out-

weigh the nuisance and health

hazards for your pet and to us

as well.

Another summer risk for

cats that live in apartment

buildings or in homes with a

second floor is high-rise syn-

drome. This is the unfortunate

scenario of us wanting to open

windows in the nice weather

and cats falling out of them.

Cats dont deliberately jump

out of windows but can fall if

screens arent properly secured

or if they are focused on an

insect or bird and become dis-

tracted. Cats can be seriously

injured even if they fall even

from a short distance. This

syndrome is 100 percent pre-

ventable by having secure

screens or enclosures for our

windows.

With some simple pre-

vention our pets can enjoy this

summer as much as we do.

Dr. Matthew Krupnick is the

owner of the Pequannock Ani-

mal Hospital. He grew up in

Kinnelon and is happy to be

home, with his wife, three cats

and two dogs, to provide quality

and compassionate care for your

pets in the community. The Pe-

quannock Animal Hospital is lo-

cated at 591 Newark Pompton

Turnpike in Pompton Plains.

You may reach them by calling

973-616-0400.

Summer safety for pets 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

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Caring & Competent Staff

591 Newark Pompton Tpke.

(near Friendly's)

Pompton Plains, NJ

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

Wed 8-7pm Thurs 8-6pm

Fri 8-5pm Sat 8-12pm

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13/28



14/28


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15/28


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16/28

Redecorating a room or

an entire house can

change the entire feel

of the space dramatically. But

an unpredictable economy has

made many consumers a little

more particular when it comes

to spending on home decor.

Changing elements in a

room does not have to be

expensive. A few updated

pieces or accessories can give a

room an entirely new look

without breaking the bank.

SLIPCOVERS

Slipcovers are no longer

the amorphous sacks they once

were. Slipcovers now come in

all different price points.

Spending a little more can

mean getting a style that is

elasticized or form-fitting,

which will conform to the con-

tours of a sofa or love seat. This

is a simple way to cover up an

outdated style of sofa fabric or a

chair that has seen better days.

Slipcovers also are a good way

to protect new couches from

damage when there are chil-

dren or pets in the home.

To get the right slipcover,

measure the piece of furniture

you intend to cover. Without

the correct fit, even a well-

crafted slipcover can look awk-

ward and cheap. Pay attention

to the material of the slipcover,

so you know it will be durable

and thick enough to cover an

existing sofa fabric pattern.

KNOBS AND PULLS

Breathe new life into

older furniture by changing

the knobs, draw pulls and

handles. Many times furni-

ture comes with standard

brass knobs that can look

dated over time. Using sleek-

er, more streamlined knobs

can make traditional furni-

ture look more modern.

Changing pulls from metal to

wood can make a room look

more earthy or country.

Home improvement stores

and accessory retailers

stock a wide variety of

handles and knobs

that can transform

just about any piece

of furniture. And

what cannot be found in

a store can most

likely be pur-

chased online.

PAINT OR STAIN

Painting a rooms walls a

different color can provide

immediate results. But furniture

also can be painted and stained.

Many times older furniture is

made from quality wood, not

the type of composite or press-

board wood of some less expen-

sive furniture options. That

means that finishes can be

stripped and replaced with new

stains. Turn a dated dresser into

something that looks brand

new with a new stain color or a

coat of paint. Think about

painting or staining using foam

sponges to reduce the appear-

ance of brush lines.


How to give a room a new look without breaking the bank


i it b it t lif dl i jMay 29 2013 Zone 2 Page 17


17/28


visit our website at www lifeandleisurenj com May 29, 2013Page 18, Zone 2


18/28

Whether you are still suffering from

the bleak memories of war or haveresolved to put it all behind you,Point Man Ministries is for you. PointMan is not a social club of old warheroes telling war stories, it is aChristian ministry dedicated to help-ing veterans find peace with them-

selves and the world around them. Ifyou are doing fine after the war,

thats fantastic but dont forget aboutyour buddies who are still suffering.Your encouragement could mean theworld to t hem. Find out how y ou ca nhelp. Call Barry Jensen at 973-809-9665. Point Man Ministries meets thefirst Thursday of every month from

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

The Montville Township WomensClub has an ongoing project: comfortpillows for breast cancer patients. Ateam of club members, seniors, andvolunteers from surrounding citiesparticipates in this worthy project.

If your summer vacation is

looking like it may be moreof a staycation, there are

other ways to experience the

tropics at home! Gro Rite

Garden Center carries thou-

sands of species of tropical

plants including hibiscus,

palms and mandevilla that

come in a large variety of

shapes and size. Tropical plants

are perfect for backyards, deco-

rating a deck or patio, or to

place around your pool area.

Hibiscus and mandevilla

come in many different colors,

including white, pink, yellow,

red, purple and orange. These

beautiful trumpet shaped flow-

ers have large beautiful petals

that will make your yard remi-

niscent of a Hawaiian resort.Palms, distinguished by

their large green leaves atop an

unbranched stem, are known

for their growth in the tropics.

Bring the tropics home in the

form of adonida, roebellini or

majesty palms from Gro Rite

Garden Center. Ferns and

banana plants are also available

for those craving a Floridian

landscape.

Gro Rite Garden Center is your

one-stop location for everything

gardening. A knowledgeable,

friendly staff will be happy to help

you with all of your landscaping

and gardening needs. A large va-

riety of plants, trees, shrubs and

tools are available. Visit Gro Rite

Garden Center at 30 Hillview

Road in Lincoln Park. Check out

the website at www.grorite.com

or call 973-694-7495

for more information.

Go tropical at Gro Rite!


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Community Happenings





19/28

Creating a walkway or

patio out of pavingstones can add aes-

thetic appeal to a property.

Pavers are less permanent

than concrete and decking.

As a result, it is easier to

change the design later on if

you want to give the space a

new look.

Homeowners who install

their own pavers can save a

considerable amount of

money. Because installing

paving stones can be labor-

intensive, landscape contrac-

tors may charge a premium

for installation. However,

this is a project that can be

tackled by the do-it-your-

selfer.

Measure and plot outthe area that will become the

path or patio. The area of the

space can be figured out by

multiplying length times

width. This will help you

determine just how much

material you will need.

Visit the home improve-

ment store or a supplier of

stone and other masonry sup-

plies to determine the style

and color of the paving

stones you will use in the

project. Some homeowners

prefer to have the materials

delivered to their home tosave the hassle of extra heavy

lifting and moving.

Using a shovel or a tiller,

dig down and remove the

grass to a depth of four to six

inches from the area that will

become the path or patio.

Fill in the area you dug out

with a paver base material,using a tamper (either manu-

al or power-driven) to tamp

down the paver base until it

is level and smooth.

Apply about one inch of

paving sand to further level

out the path or patio. This

will be the material on which

the paving stones are laid.

Begin laying the paving

stones. Leave the appropriate

distance between stonesdesired by your pattern. If the

paving stones will not have

any gap and serve as a contin-

uous patio, leave only the

smallest gap between them.Spread more paving sand on

top of the paving stones and,

using a broom, sweep it over

the stones and into the

crevices between them to set

the stones.

Create the rest of the

garden design around the

patio or pathway using gravel,

plants and even edging mate-

rial to finish the look. Over

time you may need to sweepmore paving sand over the

stones to keep them secure.

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20/28

When the weather is

warm, many peo-ple are inspired to

expand their culinary horizons

and look for foods that are

light, fresh and satisfying.

Although warm-weather

cooking may call to mind back-

yard barbecues, there is much

more to seasonal dining than

charbroiled frankfurters and

beef patties. Taking a fresh

approach to cooking can yield a

number of new and innovativemeals.

COOL DOWN

When the temperature is

high, few people want to fill

their stomachs with heavy, hot

foods. Instead of cooking up a

batch of stew, reinvent recipes

for a warm-weather spin. For

example, experiment with

chilled soups. Borscht is a beet-

based soup of Eastern European

origin that is very often servedcold. Other vegetables or fruits

can be pureed and served as a

cold summer soup. Gazpacho, a

Spanish tomato-based soup, isthe most widely known cold

soup. However, cucumber- and

avocado-based soups and

creamed vegetable soups also

can be enjoyed chilled.

EMBRACE SALADS

While salads may be rele-

gated to side dishes for most of

the year, they tend to take cen-

ter stage when the weather is

warm.

The addition of freshberries, grapes or raisins

can lend a different flavor

to salads. Think about top-

ping salads with grilled fish

or chicken to add more sub-

stance to salads serving as

the main meal.

Rather than using

heavy dressings that may

end up covering the deli-

cate flavors of lettuce leaves

and other greens, use vinai-grettes made from citrus fruits

to add both sweetness and tart-

ness to dishes.

SAVORY SANDWICHESWho says sandwiches are

only for lunch? When the

weather is warm and families

are busy hurrying here and

there, sandwiches make for fast

and portable meals.

Grilled vegetables paired

with grilled

mushrooms

can make

hearty, satisfying sandwichesthat are relatively low in calo-

ries. Previously grilled chicken

can be shredded

and turned into

chicken salad

when mixed with

Greek yogurt and apple

cider vinegar. Even

standard cold cuts can be given

a new twist when turned intocold-style reubens by being

topped with cole-slaw or

chilled sauerkraut on gourmet

slices of herbed bread.

PASTAS AND

CASSEROLES

Much as warm-weather

soups can be served cool, so can

pastas and casseroles. Pasta is a

versatile food that can be

paired with traditional salad

ingredients or mixed with veg-

etables or dressings to make a

variety of different dishes.

Baked casseroles can beserved at room temperature for

pot-luck meals in the yard or

brought along when visiting

friends and family. Chunks of

mushrooms, summer squash,

eggplant and garlic can be

sauted and baked together to

make a hearty and flavorful

vegetable casserole.

SEAFOOD

Lobster, shrimp and clams

can be harvested from the coast

and then cooked on the grill or

over an open fire. For those

who want chilled seafood, optfor shrimp cocktail or head out

for a sushi and sashimi meal at

a local restaurant.

Warm-weather dining

means exploring different fla-

vor options to find lighter fare.

v s t ou webs te at j

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21/28

The Tony Award Winn-

ing Best Musical of

2005, Monty Pythons

Spamalot, with book and

lyrics by Eric Idle and music

by John Du Prez and Eric Idle,

makes its North Jersey area

theatre premier at Rhino

Theatre for 12 performancesfrom Friday, June 7 through

Sunday, June 30, playing

Friday and Saturday at 8pm

and Sunday at 2pm. Tickets

are $25 for adults, $23 for sen-

iors, and $20 for children 18

and under, plus tax. Tickets

are available by calling

973-248-9491 or online

at www.rhinotheatre.com.

Group rates are available for

parties of 10 or more. Dinnerand a show packages are

offered for $55, which

includes a four-course Italian

meal at Monicas Restaurant,

located at 1 Lakeside Ave. in

Pompton Lakes, within walk-

ing distance to the Rhino

Theatre. For more informa-

tion call the box office at 973-

248-9491. Free parking is

available at the municipal lot

directly behind the theatre.

j

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22/28

When booking vaca-

tions, many fami-

lies find vacation

rentals to be a more affordable

lodging option than hotels.

Though its still entirely possi-ble to find a great deal at a

hotel or resort, vacation

rentals have become a popular

option for families looking to

save some money and spread

out a little more.

Vacation rentals are

often homes located in popu-

lar tourist destinations. The

rental owner may spend just a

few weeks living in the prop-

erty, then rent it out to vaca-

tioners when he or she is not

occupying it. Vacation rentalsare advantageous for many

reasons, but there are still a

few things rental shoppers

should know before signing on

the dotted line.

Know what youre get-

ting and get it in writing.

Vacation rentals often adver-

tise that everything is includ-

ed, but that is not always what

it seems. Unless you want to

completely escape from socie-

ty, you will likely want some

Internet access and cable tele-vision. If the rental agreement

says Internet is included,

make sure the home has WiFi

and high-speed Internet. You

likely wont want to pack your

own wireless router or buy one

upon your arrival, so make

sure the amenities included in

your rental are spelled out in

significant detail. If the agree-

ment says utilities are includ-

ed, make sure that means

regardless of usage. Some

might only extend to a certaindollar amount, in which case

you might receive a utility bill

long after your vacation has

ended.

Choose the right destina-

tion. Vacation rentals are

often most affordable when

theyre located in popular des-

tinations whererental owners must compete

with one another for tenants.

That competition keeps the

prices down and makes rentals

more feasible for cost-con-

scious vacationers. Less popu-

lar vacation destinations may

still boast vacation rentals,

but they are likely to cost

more because there are fewer

of them and the owners will

be looking to make as much aspossible.

Find a rental with a full

kitchen. Another benefit

vacation rentals have over

traditional hotels or resorts is

they typically provide renters

the ability to cook their own

meals. That can lead to sub-

stantial savings over the

course of a typical vacation,

especially for families. When

choosing a vacation rental,look for one with a full

kitchen and, if youre vaca-

tioning during the warmer

months, inquire about the

availability of a barbecue that

allows you to spend a few

nights enjoying dinner under

the stars with your family.

Find a rental thats acces-

sible to local nightlife and

entertainment. Even the most

affordable vacation rentalmight not work if its not close

enough to local

nightlife, entertainment and

restaurants. Unless youre

looking for complete seclu-

sion, you will likely grow to

dislike driving a long distance

before you can reach civiliza-

tion. Isolated vacation rentals

may waste valuable time dur-

ing your vacation and make

you less likely to book activi-

ties or go out at night.Make sure the rental is

safe. Adult vacationers wont

have to focus as much on a

vacation rentals safety. But

adults traveling with children

should examine photos of the

property closely to ensure

there arent any safety hazards

that might put kids at risk of

injury. The homes exterior

should be safe as well. Avoid

cliffside rentals that arentfenced in or heavily wooded

areas where kids can easily

wander off and get lost. If the

property has a pool, make sure

that pool is fenced in so

youngsters cant fall in when

their parents arent looking.

Dont send money before

signing a lease. A vacation

rental should come with a

leasing agreement similar to a

traditional apartment rental.

Helpful hints for vacation rental shoppers




23/28

Excitement is mounting

in the Wanaque and

Haskell area as local

residents watch with fascina-

tion and anticipation as beau-

tiful buildings emerge where

abandoned buildings once

stood. With units in Buildings

1 and 2 of the new Parkside at

Wanaque development slot-

ted for closings over the next

two months, that excitement

can be felt by everyone

involved.

Our buyers in Buildings

1 and 2 made a commitment

to purchase these homes off

floor plans, artist renderings

and option samples. Now that

their closing dates are fast

approaching, they are able to

see the finished product, and

they are thrilled, said Marie

Episale, manager of Century

21 Crest Real Estate, exclu-

sive listing agency for the

Parkside at Wanaque devel-

opment.

The local residents are

just as excited. Drive by the

Parkside at Wanaque con-

struction site located at the

corner of Boulevard and

Fourth Avenue on any given

day and you will most likely

notice observers on the out-

skirts of the job site. Recently

a small group of local resi-

dents had assembled to watch

the progress. One of them

commented, These are just

KINNELON $1,175,000Ultimate in privacy/custom 5BR/3.1BA CHC seton 11.92 Acs w/panoramic views/tennis Ct.

KIN3678KINNELON/SMOKE RISE 973-838-8400

KINNELON $699,900Stately 4BR/3.1BA Col. on 1.8 priv.Acs. w/Mtnviews/wood Flrs, SS Appl, granite, wine Fridge,

3C.Gar. KIN3634KINNELON/SMOKE RISE 973-838-8400

POMPTON LAKES $639,000Dream Lakefront Home! Spacious 4BR 3Bathhome w/beautiful views from your private patiooverlooking the lake! WYN0952

WAYNE 973-694-8000

WAYNE $339,900Upgraded Crestwood 2BR 2Bth move-in cond in55+community, near everything w/2 indr prkgspaces. WYN0359

WAYNE 973-694-8000

POMPTON PLAINS $324,999Estate Sale-Mint Cond! 2BR Ranch w/new Bth& all new appl, CA,gas furnace+HW fls,2fplc,LR,RecRm,3 Season Rm,priv yd. WYN0984

WAYNE 973-694-8000

WAYNE $389,999Maintained w/pride 3BR updtd twnhm w/beau-tiful MBth; fin bsmt/FamRm,Ofc,MORE!E-Zlifestyle,tennis.Walk to shops,bus. WYN0150

WAYNE 973-694-8000

WAYNE $398,000Immac spacious 3BR home on quiet str-Manyupdates-Main-free ext, HW fls, lg deck, priv yd.Great schools. Move-in cond! WYN0208

WAYNE 973-694-8000

WAYNE $399,999Elegant one-fl living at Woods at Watervieww/high ceilings, marble entry, EIK. Amen:Pool,Tennis. Near everything! WYN0311

WAYNE 973-694-8000

WAYNE $624,900Black Oak Estates 5BR 2.5Bth CH Col w/FamRm/fplc, HW fls, fin Bsmt, new wdws, CA &MORE on lg level lot. Prime Location! WYN0943

WAYNE 973-694-8000

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

WAYNE 973-694-8000

WAYNE $949,900Impressive true 5BR CH Colonial in prime locof Indian Hill Estates on priv 1+ac cul-de-sac locw/beautiful IG pool. WYN0843

WAYNE 973-694-8000

WAYNE $1,150,000Exquisite 7500sf, Custom 6BR, 7Bth Vizcaya Es-tates Col w/Grmt Kit, HW fls thruout, GreatRm,Fplc, Bar, sep in-law ste, MUCH MORE!WYN0383

WAYNE 973-694-8000

KINNELON $249,000Beautifully maintained 55+ Triplex w/2BRs,3.5Bths, DR/LR, LaundryRm, Pantry, FamRm,

GAR & More! WYN0187WAYNE 973-694-8000

KINNELON $299,000Fab opportunity to own Highway Property.Zoned Res.-possibly change to Highway Comm.


KINNELON $500,000Location,Location-4BR/2.1BA Split/lge EIK

w/new Appls.& new ceramic tile Flr. KIN3696

KINNELON/SMOKE RISE 973-838-8400

KINNELON $530,000Well maintained 3BR/2BA Ranch/2C Gar/SSAppl/updated Bths/heated pool/plenty of pri-

vacy. KIN3670KINNELON/SMOKE RISE 973-838-8400

KINNELON $549,900Cust. Blt. Lindal Cedar home/exposed woodenbeams/open Flr. plan/Mstr. on 1st Flr./stone FP.


KINNELON $550,000Smoke Rise-One of a kind! Exquisite 2.8 Acrelevel landscaped property ready to be built on.


KINNELON $649,000Smoke Rise Treasure/sun filled open Flr.

plan/cath ceil, walls of glass, 4BRS, 3.2BTHS,Ranch. KIN3656


KINNELON $650,000Smoke Rise-Cust. blt. Ranch offers a wide open

flr. plan, nestled in one of NJ's most sought aftercommunity. KIN3676


KINNELON $664,900Smoke Rise charmer! Completely renovated

cust. Col. blending old with today's luxuriouscustomizations. KIN3620


POMPTON LAKES $439,000Exceptional 4800sf 6BR 4Bth Custom Colw/grand entry, FamRm/fpl, 3-season rm, LR/fpl,DR, detached 750sf ofc, much more! WYN0375

WAYNE 973-694-8000

KINNELON $715,000Fab. 5BR/3BA CHC w/Contemp. flair. SS

Appl/Great Rm w/brick FP/skylights/lgeDeck/3C. Gar. KIN3685


KINNELON $718,999Smoke Rise-5BR/4.1BA Contemp. on 3.32Acs

@ end of cul-de-sac, 3C.Gar., newly stagedpool/patio/deck. KIN1940


Move-in day approaching for new Haskell/Wanaque

townhome development




24/28

Even heart surgery patients have

found use for these comfort pillows,which are completely washable andmay be used under the seatbelt aftersurgery. Chairperson Alexandria Sarracan be reached at 973-405-0088. Allmonetary donations, used to purchasepolyfill for the pillows, should be madepayable to MTWC and should indicate

Comfort Pillow in the memo. Pleasemail checks to P.O. Box 267, Montville,NJ 07045.

Mothers & More is a not-for-profitgroup for both stay-at-home and

working moms. It features monthlymeetings, playgroups, mom-and-totoutings, mom-night-outs, and muchmore. Members are from Wayne andall surrounding towns. Monthly meet-ings are on the first Monday of eachmonth (unless a holiday) at 7:30pm atOur Savior Lutheran Church, 670Newark Pompton Turnpike, PomptonPlains. Prospective members arealways welcomed. For more informa-

tion call 877-221-1581 or e-mail sbot-

[email protected].

Toastmasters provide a supportiveenvironment to improve public speak-ing and leadership skills. We meet thefirst Wednesday of each month atHollywood Restaurant & Pizzeria, 376Fairfield Road, Fairfield from 7-9pmGuests are welcomed. For more infor-mation, visit www.diningtospeak.com.The Montville Senior Citizens Club isopen to all Montville Township resi-dents aged 55 and older. The club

meets every first and third Friday ofthe month at the Montville Senior

House, next to the police station onRoute 202 South. We serve coffee and

cake at noon before the meeting at1pm. New members and guests arealways welcomed. For information,call Celia at 973-227-4591.

Many vacation rentals are han-

dled by reputable real estateagencies that are well equipped

to answer any questions you

have and make sure everything

is being done legally. That said,

research the real estate compa-

ny before signing a lease and

sending any money, and ask for

references on the property from

past tenants. Once youre satis-

fied with the rental and the real

estate agency and/or landlord,

make a copy of the rental agree-

ment for yourself before send-ing the agreement and pay-

ment to the realtor.

Vacation rentals are

often a great option for vaca-

tioning families. By employing

a few tricks of the trade, fami-

lies can find rentals that meet

all their needs without break-

ing the bank.

/(++/

)+-""!(%!+

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[email protected] by Mortgage Executive magazine as a "Top 1% Mortgage originator" for 2012

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OWN THESE HOMES FOR...To Qualified Buyers.

/24'!'%!9-%.43,)34%$!"/6%!2%"!3%$/.02).#)0!,!.$).4%2%34/.,9!.$$/%3./4).#,5$%4!8%3).352!.#%/2#/.$/$5%3/24'!'%!9-%.43,)34%$!"/6%!2%"!3%$/.!$/7.0!9-%.4"!3%$/.!#2%$)43#/2%!3/&!9%2-3&/2/.$/3,)34%$!"/6%!2%35"*%#44/-%%4).'!..)%!%5)$%,).%3()3).&/2-!4)/.)3./44/"%#/.3)$%2%$!#/--)4-%.44/,%.$2/'2!-3!.$4%2-3!2%35"*%#44/#(!.'%7)4(/54./4)#%%.$%23/20)3!)#%.3%$/24'!'%!.+%24!4%3/&!.$!.+).'%0!24-%.4315!,/53).'%.$%2

The Housing Market isHOT!!!Know your buying power BEFORE beginning your home search

Call today for a FREE Mortgage Pre-qualification

HAWTHORNE $489,900$1,787 per month

30Yr Fixed w/0 points. 3.625/3.692% APR

PATERSON $172,000$628 per month


WANAQUE $294,900

$1,076 per month30Yr Fixed w/0 points. 3.625/3.726% APR

WANAQUE $347,700


BUTLER $255,000


PEQUANNOCK $330,000


PEQUANNOCK TWP. $899,321$3,383 per month


TOTOWA $265,900

$970 per month30Yr Fixed w/0 points. 3.625/3.735% APR

PEQUANNOCK TWP. $229,900

$839 per month30Yr Fixed w/0 points. 3.625/3.750% APR

PEQUANNOCK TWP. $375,000


PEQUANNOCK TWP. $

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