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    D

    C Landscape Design

    caught the eye of

    HGTV producers andwas recently the featured land-

    scape installer for a commer-

    cial promoting Lowes Home

    Improvement Centers. Work-

    ing with the Cousins on Call, a

    group of DIY gurus, DC

    Landscape owner Dennis

    Coyle became inspired to dab-

    ble further into home improve-

    ment television. Knowing he

    could offer homeowners

    uniquely educational andinspiring home and garden

    advice, Coyle teamed up with

    Sleepless Pictures to film the

    pilot for his landscaping show.

    What I do for a living is

    not just a career, but a type of

    love. The horticulture and de-

    sign aspects allow me to create

    projects that leave an impression

    and last for years, said Coyle.

    Coyle has been studying

    plants for 10 years and is familiar

    with almost all perennials, annu-

    als, trees and shrubs.

    Landscap-ing is truly a science,

    and must be approached withcare and precision, he said. If

    you just buy a plant and stick it

    in the ground, its probably not

    going to live. You need to take

    care of it you need to properly

    install it with topsoil, peat moss

    and fertilizer. Coyle has excel-

    lent relationships with many

    local growers and garden centers.Over 99 percent of plants

    installed by him live, yet his com-

    pany still offers a one-year war-

    ranty, just in case.

    Customers feel at ease trust-

    ing DC Landscape Design to

    make their homes and gardens

    beautiful all year long. The

    company currently has weekly

    maintenance contracts in 10

    different towns. My company

    takes much pride in everylandscape we do. No job is

    ever too small or too big for

    us, said Coyle.

    DC Landscape Design per-

    forms maintenance and construc-

    tion of walls, patios and pavers. A

    certified pesticide applicator with

    DC Landscape owner creates home

    and garden TV show

    Dennis, Center with HGTVsCousins On Call

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

    June 26, 2013

    Zone 2, Vol. 11, No. 13

    HAPPY

    AMERICA!continued on page 6

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

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

    Celebrate the Fourth of July atyour towns fireworks celebration! Allfireworks will take place at nightfallunless otherwise noted.

    BLOOMINGDALE: Friday, June 28.Walter T. Bergen School 225 Glenwild

    Avenue.

    LINCOLN PARK:Thursday, July 4. 5-10pm. Jerry & Dolores Turco Medical

    Rehab Center. 503 West Pine Brook Rd.Rain date: July 5.MONTVILLE: Saturday, June 29.Montville Township High School, 100Horseneck Rd. $5.00 for parking. Raindate: June 30.PEQUANNOCK: Tuesday, July 2.Pequannock High School, 85 Sunset Rd.Rain date: Wednesday, July 3.

    WAYNE: Wednesday, July 3. Wayne

    Hills High School, 272 Berdan Ave.$10.00 per family. Rain date: Sunday,

    July 7.

    Around theCommunity...

    Its Summer Reading season at theLincoln Park Library! On Wednesday,

    July 10, come to the Library at 2pm tomake an edible Dirt cup using choco-

    late pudding, Oreos, and gummyworms. On July 18, Ronald McDonald

    will visit the library to do a specialmagic show. Batman and WonderWoman will be at the Library on July24they will be showing off theBatmobile, taking pictures with kids,and speaking out against bullying.There are a variety of story times sched-uled for a wide age range. The Librarywill also offer a story time for Childrenwith Special Needs (Grades K-2) onSaturday, July 27. More detailed infor-

    mation on all of the Librarys programs

    can be found on our website: www.lin-colnparklibrary.org.The Barn Theatre in Montville kicks offits 86th season by holding open audi-tions on July 7-8, for its upcoming pro-duction of Veronicas Room, a dramaby Ira Levin with direction by OmarKozarsky. For those auditioning forwoman and man, the ability to speak inan Irish brogue is helpful. Actors areasked to arrive within the first hour anda half of the audition start time; scripts

    will be provided. All roles are available.Casting is open, and newcomers are

    especially welcomed. Crew and othervolunteers are also needed for the

    event. Ifinterested, please contact [email protected] .The Barn Theatre is

    located at 32 Skyline Drive in Montville.For more information or directions,call 973-334-9320 ext. 5, or visit

    www.barntheatre.orgAre you a Lincoln Park resident, highschool senior attending college in thefall and involved in community service?If you answered yes to all of the abovequestions you could be eligible for a col-lege scholarship. Go to www.lincol-nparkday.org for more information andthe application.

    Whether you are still suffering fromthe bleak memories of war or haveresolved to put it all behind you, PointMan Ministries is for you. Point Man isnot a social club of old war heroestelling war stories, it is a Christian min-istry dedicated to helping veterans find

    peace with themselves and the worldaround them. If you are doing fine afterthe war, thats fantastic but dont forgetabout your buddies who are still suffer-ing. Your encouragement could mean

    the world to them. Find out how you canhelp. 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 Womens Clubhas an ongoing project: comfort pil-lows for breast cancer patients. A teamof club members, seniors, and volun-teers from surrounding cities partici-pates in this worthy project. Even heartsurgery patients have found use forthese comfort pillows, which are com-pletely washable and may be usedunder the seatbelt after surgery.Chairperson Alexandria Sarra can be

    reached at 973-405-0088. All mone-

    tary donations, used to purchase polyfillfor the pillows, should be made payableto MTWC and should indicate ComfortPillow in the memo. Please mail checksto P.O. Box 267, Montville, NJ 07045.Mothers & More is a not-for-profitgroup for both stay-at-home and work-ing moms. It features monthly meet-ings, playgroups, mom-and-tot outings,mom-night-outs, and much more.Members are from Wayne and all sur-rounding towns. Monthly meetings are

    on the first Monday of each month(unless a holiday) at 7:30pm at Our

    Savior Lutheran Church, 670 Newark

    visit our website at www.lifeandleisurenj.com June 26, 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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    This year, the RRR Recognition of Re-

    sponsibility Ritual

    took place on June 16 and itwas not missed in the

    Charnet home. I solidified

    my right to receive the ritualway back on July 24, 1988.

    Since then, there have been

    three other rights granted tome that elevated the intensi-

    ty of the ritual experience for

    2013. For many years, my

    wife and I were the only ones

    participating in the rituals,

    but as the children grew

    older the celebration date

    each year became much more

    important. My baby, Sam,

    just celebrated his Bar

    Mitzvah, which marked his

    religious passage into adult-hood, and with that level of

    maturity he also understands

    RRR Day. The other kids

    also never forget the signifi-

    cance of RRR Day, and if

    they do, their Mom reminds

    them well in advance of the

    importance and meaning of

    the day.

    Yesterday, Sam handed

    me an RRR card that had a

    black-and-white picture ofan older man sitting on a

    stool milking his cow. The

    inside caption, written by

    Sam, read: Go ahead, Dad.Youve earned the right to

    milk it for the day! The card

    accompanied a specially

    designed back scratcher,

    which is essential to someone

    of my vintage who lacks the

    flexibility to scratch those

    hard-to-reach places in the

    center of the back. How did

    he know?

    One of my kids created a

    homemade card for me thatthat offered a foot massage in

    recognition of the special

    day. Along with that was a

    CD of music from the early

    1970s, which became the-

    matic with the other gifts I

    received: CDs from the

    ancient genres of music from

    the late 70s and early 80s.

    The artists were unimpor-

    tant. (Their choices of whom

    they thought I liked and lis-tened to three-and-a-half

    decades ago were interest-

    ing!) But the thought and

    remembrance of RRR Day

    were all that mattered.

    I remember the transi-

    tion from being single to get-

    ting married and being a cou-

    ple. It was an amazing time.

    My wife and I were bothworking together to build our

    dream, and we always had

    money in our pockets for

    whatever we desired. A few

    years later my status matured

    to parent with the birth of

    my daughter, Chelsie. With

    that came expenses for baby

    furniture, clothes and dia-

    pers, but most importantly,

    for college funding. Things

    were tight for a while. Thenthe first of my three sons,

    Zachary, was born, escalating

    visit our website at www.lifeandleisurenj.com June 26, 2013Page 4, Zone 2

    FREE INSURANCE QUOTE

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    Celebrate the Recognition of Responsibility Ritual By Mark Charnet

    continued on next page

  • 7/28/2019 221657_1372148785June 26 2013 Z2_LOW REZ

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    us from parents of one to a

    family of four. This was a

    major increase in responsibil-

    ity. Now we were responsible

    to house, feed, clothe andeducate two children, while

    maintaining our standard of

    living, hopefully to escalate

    it while simultaneously

    preparing for our retirements.

    Wow, the pressure was

    mounting now! I immediate-

    ly began a second college

    funding account, as well as

    added to my already robust

    life insurance and disability

    insurance programs. Vaca-tions were scaled down a lit-

    tle bit and even omitted, but

    when I put my head on the

    pillow every night, there was

    sincere peace of mind, for if

    something negative were to

    happen to either Terry or me,

    the other would have been

    financially prepared to han-

    dle it.

    The transition to family

    of five, then six, was relative-ly easy. There are 12 years

    separating my eldest from my

    youngest, so the older two

    were instrumental in helping

    us with the younger ones. I

    heard myself once praying

    that not only should Chelsie

    get a drivers license, but that

    she would be an excellentand safe driver, too. Terry

    and I needed some trans-

    portation help. My prayer

    was answered. The monthly

    college savings programs

    were eventually increased to

    four, and we instituted retire-

    ment programs for all the

    kids. Terry and I increased

    our retirement funding, espe-

    cially after the stock market

    crashes and corrections of

    1987, 1990, 1994, 2000-2001

    and 2002, to take advantageof the ultimate law of invest-

    ing. (Buy low and sell

    high!)

    We were fortunate that

    when college and grad school

    first came upon us, the col-

    lege funding I prepared for

    was unneeded so the funds

    could be used for other

    meaningful purposes. I con-

    tinue to put away for Jack

    and Sam, now 15 and 13,

    with the hope that these

    funds may also be used forother purposes, like their first

    house or additions to their

    retirement plans. It is never

    too soon to plan for your

    retirement or your childrens

    retirement!

    Yes, this past weekend

    was Triple R Day in the

    Charnet household, known

    by most of America as

    Fathers Day! Im having a

    little fun with you by the

    title of this column, but isnt

    it accurate? Fathers andmothers both make huge sac-

    rifices to start and raise a

    family. The financial burdens

    alone are enormous, and

    there are stresses and respon-

    sibilities on top of that.

    However, the rewards are

    amazing and well worth the

    sacrifices and price we pay. I

    have clients who never had

    children and though in some

    cases they have amassed a

    greater fortune, in virtually

    every case, they would tradeit away for children of their

    own to nurture, to love and

    to dote over. And the grand-

    children they do not have,

    they would give the rest of

    their fortune away to have

    that, too.

    visit our website at www.lifeandleisurenj.comJune 26, 2013 Zone 2, Page 5

    61 Beaver Brook Rd. Suite 103, Lincoln Park

    973.305.0700www.advancedwellnesscenternj.com

    Proper recovery from surgery or injury isimportant to maximize function and minimizecomplications today and down the road.

    Recover the

    Right Way

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    Our patients will always be the most important people in our practice

    Celebrate the Recognition of Responsibility Ritual

    continued on page 6

    continued from previous page

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    Though my column isfinancial in nature, it is

    important to take some space

    every now and then to recog-

    nize why it is important to do

    the right things, financially

    speaking. Advancement and

    well-being of our family is

    the foremost conclusion I

    come to, followed by philan-

    thropic endeavors as a very

    close second. For the father

    in your life, I hope youcalled, visited or recognized

    him this past Fathers Day. If

    that was impossible, I hope

    you had the good fortune to

    recognize a father you admirefor a job well done. Men are

    fragile and emotional beings,

    though they hate to (or

    wont) admit it. They require

    a little RRR at least once a

    year. Please tell your father or

    another that youre proud of

    him as often as you can.

    Mark E. Charnet is President and

    Founder of American Prosperity

    Group. APG is the premier retire-ment- and estate-planning fran-

    chise in the U.S. with 18 offices in

    nine states. Charnet is a certified

    annuity specialist, a certified senior

    advisor and has 32 years of experi-ence in the retirement- and estate-

    planning fields. Creator of the

    Trinity Method of Investing,

    Charnet encourages your inquiries

    and can be reached at 877-885-

    1274, 973-831-4424 or

    [email protected]. For

    more information, visit

    www.1apg.com. If youre inter-

    ested in a career in retirement- and

    estate-planning, visit

    www.apgfranchise.com. Securitiesthrough: BCG Securities, Inc.

    member SIPC, FINRA and a

    registered investment advisor.

    T

    he movies and TV can

    bring humor, laughter,

    and lightheartedness tothese seemingly serious times

    we live in. Dentist jokes, movie

    and TV roles are a familiar sub-

    ject as either the target or situ-

    ations we all can relate to. I

    consider the ability to laugh at

    oneself a great release of seri-

    ousness, stress and good for the

    soul. Here are some memo-

    rable dentists I have collected

    for you. Enjoy!

    Dr. Stu Price (Ed Helms) in

    The Hangover -2010Dr. Julia Harris (Jennifer

    Aniston) in Horrible Bosses -2011

    Dr. Bertram Pincus (Ricky

    Gervais) in Ghost Town -2008

    Dr. Doug Madsen (Tim Allen)

    in Wild Hogs -2007Dr. Phillip Sherman or

    P. Sherman, 42 Wallaby Way,

    Sydney (voice of Bill Hunter) in

    Finding Nemo -2003

    Dr. Ted Brooks (Cuba Gooding,

    Jr.) in Snow Dogs -2003

    Dr. Frank Sangster (Steve

    Martin) in Novocaine -2001

    Dr. Nicholas Oz Oseransky

    (Matthew Perry) in The Whole

    Nine Yards -2000

    Drs Steve and Ben Jessup (Phil

    Lewis and Bill Henderson) in City

    Slickers -1991Dr. Orin Scrivello (Steve

    Martin) in Little Shop of Horrors -

    1986

    Dr. Sheldon Korpett (Alan

    Arkin) in The In-Laws -1979

    Dr. Christian Szell (Laurence

    Olivier) in Marathon Man -1976

    Dr. Jerry Robinson, the dentist

    (Peter Bonarz) of The Bob

    Newhart Show -1972

    My personal favorite is Dr.

    Tim Whatley (Bryan Cranston)

    of Seinfeld. In this episode Jerryis accused of being an anti-

    dentite!

    I hope youve enjoyed

    these as much as I have.

    Dr. Peter Brusco is a 1980 grad-

    uate of The University of Penn-

    sylvania and has been practicing

    in Kinnelon since 1982. Dr. Br-

    uscos practice is located at 170

    Kinnelon Road, Suite 29A in

    Kinnelon. You may reach him bycalling 973-838-5862

    or visit him on the web at

    www.drbrusco.com.

    Laughter is the best

    medicine By Peter Brusco, DMD

    visit our website at www.lifeandleisurenj.com June 26, 2013Page 6, Zone 2

    the state of New Jersey, DC is

    prepared to cater to all your

    property services. DC also

    offers free estimates and pro-

    fessional recommendations.Dennis Coyle, owner and

    operator of DC Landscape

    Design & Construction, LLC,

    has successfully composed

    thousands of aesthetic proj-

    ects throughout the tri-state

    area since graduating from the

    County College of Morris

    in 2007. DC Landscaping,

    which began as merely a seed

    during Coyles studies in agri-

    culture and business, has

    flourished into a successfulventure with an unparalleled

    reputation for reliability,

    responsibility and affordable

    pricing. Contact the office to

    schedule your free consulta-

    tion today: 973-305-8803.

    DC Landscape owner creates home and garden TV show

    Celebrate the Recognition of Responsibility Ritual

    continued from page 1

    continued from page 5

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    visit our website at www.lifeandleisurenj.comJune 26, 2013 Zone 2, Page 7

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    Home health care

    allows one to receive

    quality individual-

    ized services in the comfort of

    his or her home. Recipients of

    home health care include the

    elderly, those living with an

    illness and those recovering

    from an accident or surgery.

    More families are choosing

    home care as the preferred

    way of care for their loved

    ones for various reasons:

    1. It is delivered at home.

    There are positive feelings

    that all of us associate with

    being home. Our home is our

    castle, our refuge from the

    storm. Whether were feeling

    sick or well, we enjoy the

    sanctity of our residences and

    the joy of being with our

    loved ones.

    2. It provides the elderly with

    a sense of independence. No

    one wants to feel totally

    dependent or helpless. With

    some assistance, seniors

    receiving home care can con-

    tinue to function as viable

    members of society.

    3. Home care can be safer.

    Statistics show it is not

    uncommon for patients to

    develop new health problems

    or risk infection as a result of

    being hospitalized. Some of

    these risks are eliminated

    when care is given at home.

    4. Home care allows the max-

    imum amount of freedom for

    the individual. A hospital or

    nursing home can be a regi-

    mented, regulated environ-

    ment. Upon admission to

    either, an individual is

    required to surrender a signifi-

    cant portion of his or her

    rights. Such sacrifices are not

    Top six reasons why home care is so important

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    According to the Small

    Business Administra-

    tion, a third of small

    businesses fail within the first

    two years. Over half fail in the

    first five years. So if youre

    thinking about starting a small

    business, it pays to take an hon-

    est look at yourself, your busi-

    ness idea and the marketplace.

    You can increase the odds that

    your business will survive by

    avoiding three very common

    mistakes.

    Mistake 1:Not enough cash. If

    youre starting out, its a good

    idea to accumulate before

    you enter the marketplace a

    cash reserve thats about three

    times your estimated need.

    Small businesses often face

    down times when sales arent

    exactly stellar and revenues

    slow to a trickle. Also, unfore-

    seen expenses for insurance,

    staff, buildings, advertising and

    taxes (the list goes on and

    on...) can cripple your business

    and shut it down before its out

    of the starting block. Extra cash

    can make the difference

    between a survivor and a statis-

    tic. A reserve fund provides an

    extra bit of cushion to keep the

    business operating as you work

    toward the next sales goal.

    Mistake 2: Inadequate plan-

    ning. Building a business is like

    building a house. You need a

    foundation, clear goals, and

    an implementation strategy.

    Where do you want to be a year

    from now and beyond? If peo-

    ple built houses with as much

    foresight as many start-up busi-

    nesses put into planning, youd

    see a lot more folks camping in

    their basements. Developing a

    sound business plan means

    doing solid research. It means

    understanding the market-

    place, knowing what sets your

    product apart, and getting a

    grip on the costs to implement

    your plan. An idea is not a busi-

    ness plan. You need to flesh out

    the idea and get down to

    specifics.

    Mistake 3: Inflexibility. Once

    youve developed your business

    plan, be willing to adapt it to

    changing conditions. More

    than a few businesses have

    started with a great business

    model, but failed to modify that

    model when market conditions

    evolved. If your customers or

    competitors change (and they

    will over time), dont be afraid

    to change with them.

    If youre considering start-

    ing a small business and would

    like assistance, give us a call.

    Robert P. Sokoloff, CPA &

    Associates, PC is a full-service

    accounting firm serving clients

    throughout the northern

    New Jersey area, dedicated to

    providing clients with profession-

    al, 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 or

    [email protected].

    Visit our website at

    www.cpanewjersey.com

    Starting a business? Avoid these three common mistakesBy Robert Sokoloff, CPA

    visit our website at www.lifeandleisurenj.com June 26, 2013Page 10, Zone 2

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    visit our website at www.lifeandleisurenj.comJune 26, 2013 Zone 2, Page 11

    ACCOUNTING SERVICESVincent Gallipoli

    Certified Public AccountantPO Box 561, Pompton Plains, NJ

    07444973-616-9748

    [email protected]

    AIR CONDITIONING / HEATINGSYSTEM SERVICESStephen Mangeri

    SM Heating & Air Conditioning, Inc.NJ Lic #13VH02620300

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    smheatingandair.comReliable Service That You Can Trust

    ATTORNEYFredric F. Azrak, Esq.Azrak & Associates, LLC

    Attorneys at Law627 Newark Pompton TpkPompton Plains, NJ 07444

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    [email protected] & Integrity for over 36 years

    AUTOMOTIVE REPAIRSJohn NapolitanoPry AutomotiveButler, NJ 07405973-838-1656

    [email protected]

    CHIROPRACTORDonna Perillo, MS, DC,

    DACBSP, DCBCN, NMD, CNSNJ Total Health Center

    Pompton Plains, NJ 07444973-872-2133

    [email protected]

    CLEANING SERVICESRonald A. Denequolo

    Magic Cleaning Concepts, LLCPequannock, NJ 07440

    973-694-6611magiccleaningconcepts.com

    DENTISTBrianMarino, DMD

    Pequannock Valley Dental Assoc. P.A.Pompton Plains, NJ 07444

    973-831-0444pvdentalassociates.com

    DISASTER RECOVERYSERVPRO of Northern Sussex County

    and WayneFire & Water Cleanup & Restoration

    servpronscw.comBrent Pope

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    ELECTRONIC OFFICE SYSTEMSChris Lagreca, Sales Consultant

    Electronic Office SystemsFairfield, NJ

    973-808-0100973-882-2882 fax

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    FLOORINGFasani & Sons Custom Flooring

    Michael F. FasaniHawthorne, NJ 07506

    973 [email protected]

    HOME IMPROVEMENTSRobert Ruggiero

    License #13VH04356500Beechwood Home Improvements

    Livingston, NJ 07039973-634-3514

    [email protected]

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    Robert RuggieroN.J.H.I. Lic #24GI00084600Compass Home Inspections, LLC

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    INSURANCE AUTO, HOMEJim Murasko, LUTCF

    Allstate New Jersey Insurance CompanyExclusive Agent

    The Murasko Agency, LLCBloomingdale, NJ 07403

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    INSURANCE LIFE, DISABILITY,LONG TERM CARE & SMALLBUSINESS GROUP BENEFITS

    Thomas J. Cleeland CLTC,LUTCFAllstate Financial Services

    Westfield, NJ 07090908-301-0711

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    IT/COMPUTER SERVICESKen Ginefra, PresidentGCS Consultants LLC

    170 Kinnelon Road, Suite 16Kinnelon, NJ 07405

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    gcsconsultants.com

    JEWELRYDenise Holleritter, Independent

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    JUNK REMOVALPatrick J. Resotka, OwnerClass Act Junk Removal &

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    [email protected]

    MARKETING CONSULTINGAdam S. Wolf

    PresidentCellCon ConsultingWest Orange, NJ973-736-3001

    [email protected]

    MARY KAYMary Hart

    Independent Beauty ConsultantPompton Plains, NJ 07444

    973-835-2439marykay.com/mary.hart

    MEDICAL LABORATORYEverest Medical Laboratory

    No Wait BloodworkTom Bellas

    142 Route 23 North, Pompton Plains, NJ973 646-7490

    MORTGAGESEdward Morba, President

    Family Home Funding CorpKinnelon, NJ 07405

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    familyhomefunding.com

    PAINTINGSteve Pruzinsky

    All Jersey Painting, Inc.Lincoln Park, NJ 07035

    [email protected]

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    Scott LemlySmall Business Consultant

    Fairlawn, NJ201-796-2111 x58446 ph

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    PERSONAL TRAINERGeri McGurk, BS, NASM, CPT, CITS, Owner

    High DefinitionPersonal Training Center

    Wayne, NJ 07470973-784-3381HDPTC.com

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    973-492-2432 973-492-2433 [email protected]

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    973-696-8100973-696-8101 fx

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    Summer is a time for fun

    swimming, picnics,

    baseball games, and

    playing with your dog in your

    freshly mowed lawn. The

    only downside to summer is

    the heat! For us humans its

    easy to keep a tall glass of

    lemonade around or crank

    the air conditioning up to

    keep us cool during these

    months.

    But our pets dont often

    have it so easy. It can be mis-

    erable for your dog to be

    stuck in the heat for long

    periods of time with no way

    to keep cool. While its obvi-

    ously preferable to keep your

    best friend indoors when the

    weather gets hot, sometimes

    its not practical.

    If you absolutely have to

    keep your dog outside during

    these hot months, then there

    are a few simple things you

    can do to keep your dog safe

    and cool. You dont want to

    forget these tips; they are

    absolutely essential.

    First off, make sure your

    dog has plenty of shade. You

    can build a simple pavilion

    out of scrap wood and a tarp

    if there is no other shade

    source. Shade can make a big

    difference!

    Also, make sure your

    dog has lots of cool water.

    They make great water bowls

    now that can be hooked up

    to a hose and that continual-

    ly refills the bowl when the

    water level drops below a cer-

    tain point. Its great because

    your dog will never run out

    of cool water!

    Another super way to

    keep your dog cool is to give

    him access to a kiddie pool

    filled with water, but this is

    only for dogs that like the

    water and are able to swim.

    Remember: safety first! Dont

    do this if you have a small,

    short-legged dog that could

    drown in the pool.

    Finally, and one of the

    best ways to keep your pet

    cool during the summer, you

    can get your dog a cooling

    dog bed (also known as a dog

    cooling mat). This is a great

    way to make sure your dog

    stays comfortable in that blis-

    tering summer heat. And if

    you are looking for a cheap

    dog bed, a

    cooling dog

    bed or dog

    cooling mat

    usually does

    not cost too

    much and

    works great.

    They require

    no electricity;

    they work by

    simply dis-

    persing the water inside the

    dog cooling mat when dogs

    lie down, providing a cool,

    dry place to sleep. Theyre

    made out of a tough nylon

    material so that claws wont

    puncture when the dog walks

    across them. Cooling dog

    beds are a great way to keep

    your favorite pet from suffer-

    ing in the hot summer sun.

    These dog cooling mats are

    also great for dogs that have

    just gotten back from playing

    outside or from taking a dog-

    gie walk.

    Remember to always fol-

    low these tips when your dog

    is outside in the summer. In

    the end, however, the best

    way to keep your dog cool is

    to keep it indoors when the

    heat is too much!

    Article courtesy of pet-arti-

    cles.blogspot.com.

    Brought to you by Dr.

    Matthew Krupnick, owner of

    the Pequannock Animal Hos-

    pital. He g rew up in K innelon

    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 lo cated at 591 Newark

    Pompton Turnpike in Pompton

    Plains. You can reach them at

    973-616-0400.

    How to keep your dog cool in the summer

    visit our website at www.lifeandleisurenj.com June 26, 2013Page 12, Zone 2

    WHERE YOUR

    PET IS FAMILY

    Dr. Matthew Krupnick, D.V.M.

    Full Service Animal

    Hospital, Specializing

    in Cats & Dogs

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    OpenSaturdays

    www.PequannockVet.com

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    The Montville band

    Take a Chance will

    kick off an evening of

    celebration at the Lincoln

    Park Fourth of July Spectacu-

    lar and Fireworks. The four

    middle school musicians

    describe their sound as

    PopAMetalClass, in homage

    to current pop, classic rock and

    heavy metal. Also appearing -

    Susan Thomas-Byrnes, lead

    singer and front-person for

    Rock Hard. The event is spon-

    sored by the Jerry & Dolores

    Turco Medical Rehabilitation

    Center at 503 West Pine

    Brook Road. Events begin at

    5pm on July 4. (Rain date is

    July 5.) Admission, music,

    parking and shuttles are free,

    and carnival games are free

    from 5-6pm. For more infor-

    mation, visit www.jdtrehab

    .com. Back (left to right):

    Chancellor Mazzo (keyboards)

    and Gregory Costeas (guitar/

    bass). Front (left to right):

    Dylan Byrnes (vocals) and

    Matthew Moldawsky (drums).

    Sunshine Prosthetics and

    Orthotics of Wayne is

    raising funds for Camp

    No Limits, a non-profit organ-

    ization providing camps for

    children with limb loss, as

    well as education, mentorship

    and support to these children

    and their families.

    Funds are being raised

    through the practices partic-

    ipation in the annual

    Lincoln Park Triathlon on

    June 30. Sunshine P&O wi ll

    match all donations to Camp

    No Limi ts by team members,

    families and friends.

    There is no other camp

    available for children with

    limb loss and their families

    with the therapeutic programs

    that Camp No Limits has to

    offer, said Brooke Artesi,

    CPO, LPO, an amputee since

    the age of 15 who is commit-

    ted to living an active lifestyle

    and serving as a role model for

    her patients.

    The Sunshine P&O team

    will participate in the biking,

    running and swimming events

    at the triathlon, which takes

    place at the Lincoln Park

    Community Lake near Ryerson

    and Comly Roads.

    To sign up for the

    Sunshine P&O team, e-mail

    [email protected].

    To donate online, go to

    www.nolimitsfoundation.org,

    click on the Donate link at

    the top of the page, and follow

    the instructions. Be sure to

    enter Sunshine P&O

    Fundraiser in the memo field

    to have your donation

    matched.

    For more information, call

    973-696-8100 or visit www.sun-

    shinepando.com.

    visit our website at www.lifeandleisurenj.comJune 26, 2013 Zone 2, Page 13

    Developing the Foundation for a Lifetime of School Success!

    Family Owned and Operated Est. 1972

    CORE APPLECORE APPLE

    Visit our school and find

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    NEW WEEKLY THEMES INCLUDING:

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    CAMP CORNER REGISTRATION GUIDESunshine P&O competes in triathlon,

    matches donations to Camp No Limits

    Photo: Sue Marinello.

    Celebration

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    visit our website at www.lifeandleisurenj.com June 26, 2013Page 14, Zone 2

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    visit our website at www.lifeandleisurenj.comJune 26, 2013 Zone 2, Page 15

    40 YearAnniversary Special

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    b lif dl i j J 26 2013P 16 Z 2

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    House cleaning is a

    chore few people rel-

    ish. House cleaning

    can be monotonous and time-

    consuming. But ignoring clean-

    ing tasks may leave you with a

    much larger mess to tackle.

    Cleaning does not have to

    be such a difficult job. There

    are a number of time-saving

    strategies to keep the mess to a

    minimum and keep your week-

    end afternoons free from all-

    day cleaning mara-thons.

    Do the dishes after every

    meal. A sink full of dishes can

    make the kitchen look like a

    mess, and letting dishes pile up

    increases the risk of an insect

    infestation. Although it may

    seem like a chore, keeping on

    top of dishes actually reduces

    your workload. If youre lucky

    enough to have an automatic

    dishwasher, then load dishes

    directly into the dishwasher

    instead of putting

    dirty items into

    the sink.

    Protect

    your micro-

    wave. The

    inside of

    the microwave

    tends to get dirty

    rather quickly.

    Heating up

    snacks or quick meals

    may result in spill-overs or

    splatter. To cut down on clean-

    ing time, stack several paper

    towels on the turntable. Should

    a spill occur, simply discard the

    top paper towel for an easy

    clean-up.

    Switch your soap. Gly-

    cerin or liquid soaps do not

    have traditional binders that

    are in many bar soaps. Without

    the binders, which are the pri-

    mary cause of soap scum, you

    will have to contend with

    much less soap scum in showers

    and sinks. To further cut down

    on soap scum, use a small, flex-

    ible squeegee to wipe down tile

    walls and glass doors after each

    shower.

    Work from the top down.

    Dust and dirt settles at the low-

    est levels. Avoid messing up

    what you have just cleaned by

    beginning any cleaning

    task high up and

    moving downward.

    Therefore, dust

    shelves and cobwebs

    from ceil-

    ing corners first, then tackle

    tables and other surfaces before

    ultimately cleaning the floors.

    Concentrate on one room

    at a time. Some people suffer

    from cleaning attention deficit

    disorder. This means theyll

    begin one task and then go into

    another room for something

    and start a new task, and so on.

    Focus on one room at a time to

    save time. You will do a more

    thorough job with less frustra-

    tion.

    Establish a drop zone.

    Foyers tend to accumulate a lot

    of clutter. Organize the space so

    youre less tempted to drop

    items as soon as you come in.

    Keep the recycling bin (or

    shredder) handy for dealing

    with junk mail. Have a coat

    rack for hats, coats and umbrel-

    las. Keep a basket available so

    you can transport items that

    belong in other rooms in the

    house.

    Do laundry every day.

    Invest in a hamper that enables

    you to sort clothing into differ-

    ent compartments, including

    lights, darks and delicates. This

    way the sorting is already done

    when it comes time for wash-

    ing, then aim to do a load a day

    so that youre not faced with

    100 pounds of laundry come

    the weekend.

    Rely on baking soda

    and vinegar as clean-

    ing prod-

    ucts. These

    kitchen sta-

    ples are the work-

    horses of many cleaning

    projects. A mix of baking soda

    and vinegar can dislodge a

    clogged drain and be added to a

    wash to freshen towels and

    linens. A paste of baking soda

    can often scour tough stains,

    like marker, while vinegar has

    been known to neutralize pet

    odors from accidents.

    Think outside the box. A

    can of Coca-Cola can be effec-

    tive at cleaning the ring in the

    toilet. An unsweetened pack-

    age of Kool-Aid brand lemon-

    ade can be used to freshen and

    clean an empty dishwasher.

    The citric acid will scour the

    inside and get rid of any scaling

    or hard water stains.

    Cleaning is a task that

    may not be enjoyable, but it is a

    necessary evil of healthy living.

    Keeping on top of the mess can

    save time in the long run.

    visit our website at www.lifeandleisurenj.com June 26, 2013Page 16, Zone 2

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    Advantage Contracting also offers project management and full demolition.

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    FINANCING

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    WAYNE POWER

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    Outdoor activities are

    even more fun when

    the weather cooper-

    ates. Pleasant temperatures

    and conditions can entice

    people who are normally con-

    tent to stay indoors to venture

    outside and enjoy the fresh air.

    There are a number of activi-

    ties, from cooking to enter-

    taining, that are ideal for sum-

    mer fun. But what about

    watching a movie?

    Although the number of

    drive-in movie theaters may

    be on the decline, that doesnt

    have to keep movie buffs from

    enjoying a film with friends

    and family al fresco. Certain

    parks, municipal recreation

    centers and businesses host

    movie nights under the stars

    for large groups in the sum-

    mertime. However, home-

    owners can host an outdoor

    movie night right in their own

    backyards.

    Establish the screen

    spot well in advance. A few

    different scenarios can make

    watching a movie more enjoy-

    able. You will need a large

    enough surface to act as the

    movie screen. If yours is a

    light-colored home, you can

    project the image directly on a

    patch of siding that is not bro-

    ken by windows or doors.

    Otherwise, you will need to

    erect a tarp, sheet, shower cur-

    tain, or an actual screen to

    serve as the backdrop. Test out

    the movie-watching experi-

    ence prior to inviting people

    over to ensure that the movie

    is clearly visible and is not

    marred by street lights or

    obstructions like overhanging

    branches.

    Invest in a projector. In

    order to project the movie

    onto the big screen, you will

    need a projector. Electronics

    stores sell projectors that can

    hook up to everything from

    DVD and Blu-ray players to

    Smartphones. Some are small

    enough to travel in your pock-

    et. If a friend has a projector,

    you can also ask to borrow it.

    The higher you can mount

    the projector, the better it will

    be to avoid picture blockage.

    Also, keep in mind that the

    bigger the screen the higher

    the resolution projector you

    will need. A high definition

    projector is your best bet,

    especially one with an HDMI

    input.

    Have a sound system.

    Dont skimp on a sound sys-

    tem; otherwise youll have a

    big, impressive movie picture

    without adequate sound. You

    can only turn up some projec-

    tors so much before experi-

    encing distortion, so it is best

    to purchase some speakers so

    you can project the sound to

    guests who are sitting around

    the yard. A stereo receiver or

    an old sound system that you

    can buy on an auction site or

    garage sale should suffice.

    Create the theater.

    Theaters are built with stag-

    gered seating in which seatsare set on a gradually increas-

    ing angle. This may not be

    possible in a yard unless you

    have a nicely sloping hill.

    Place blankets or sheets down

    front for children or shorter

    adults and then place folding

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    R

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    sun from coming in and heat-ing up your home, making it

    easier for your air condition-

    er to maintain a cooler tem-

    perature. Routinely cleaning

    the air conditioner's filters isanother way to reduce energy

    consumption, as clean filters

    will ensure the unit does not

    have to work as hard to

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    Six of the 10 college

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    computer engineering majors

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    average starting

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    2012. Chemical

    engineering majorscame in second

    with an average

    starting salary of

    $66,400, while

    computer science

    majors, with average starting

    salaries of $64,400, came in

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    vey relied on information

    from the Bureau of Labor

    Statistics, the United States

    Census Bureau and Job SearchIntelligence, a compensation

    management firm. In addition

    to computer science, the sur-

    vey, which examined starting

    salaries for new graduates in

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    According to Calvin

    Coolidge, Patriot-

    ism is easy to under-

    stand in America it means

    looking out for yourself by

    looking out for your country.In other words, whatever we

    do to bolster our national

    image and integrity will, in

    turn, help us in our own lives.

    Merriam-Webster defines

    patriotism as love for or devo-

    tion to ones country.

    When I surveyed friends

    and family and asked them to

    give examples of patriotism,

    most answers fit into two cat-

    egories. The first set of exam-ples included heroism in times

    of trouble and tragedy, like the

    troops in our armed forces

    who put their lives on the line

    every day, or the tremendous

    national response in the days

    after 9/11.

    The second category of

    examples included shows of

    enthusiasm and love in times

    of happiness, like the national

    fanfare surrounding our WorldCup soccer team, or festive

    Fourth of July celebrations,

    from small backyard barbe-

    ques to huge galas.

    Without patriotism, ourcountry would be a boring

    mass of people who never got

    excited about any national

    competition. Holidays would

    be dull and dreary, if not com-

    pletely eliminated due to lack

    of participation. Support for

    our soldiers and other heroes

    would be limited to small

    pockets of family and friends.

    We would lose our identity,

    our pride and the very essenceof what makes our country

    America.

    Does patriotism still

    matter? You bet it does!

    Patriotism gives us hope. Ithelps us remember where

    weve been, helps us celebrate

    where we are, and gets us

    excited about where were

    going. It gives us a sense of

    uniqueness, while unifying us

    as one people. So fly your

    flags, support your troops, play

    your baseball and eat your

    apple pie! Let your patriotism

    ring throughout this majestic

    country we call the UnitedStates of America!

    Does patriotism still matter? By Travis Aprile

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    1 box (1 lb 2.4 oz)

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    1 package (8 oz) cream

    cheese, softened

    1/3 cup sugar

    1/2 teaspoon vanilla

    2 cups sliced fresh straw

    berries

    1 cup fresh blueberries

    1 cup fresh raspberries

    1/2 cup apple jellyHeat oven to 350F.

    Grease bottom only of 12-inch

    pizza pan with cooking spray or

    shortening.

    Make batter as directed

    on brownie mix box. Spread

    in pan.

    Bake 26 to 30 minutes or

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    es from side of pan comes out

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    about 1 hour.

    In small bowl, beat cream

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    electric mixer on medium

    speed until smooth. Carefully

    spread mixture evenly over

    brownie base. Arrange berriesover cream cheese mixture. Stir

    jelly until smooth; brush over

    berries. Refrigerate about 1

    hour or until chilled. Cut into

    wedges. Store covered in refrig-

    erator. Makes 16 servings

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    T

    hanks in large part

    to rapidly changing

    technology, domestic

    and international job marketscontinue to evolve. Thats

    created a bevy of new college

    majors aimed at students who

    want to secure their place in

    the work force. New majors

    that might have been

    unheard of as recently as 20

    years ago include computer

    game design, which allows

    those with a passion for soft-

    ware engineering to combine

    that passion with their love ofa gaming industry that con-

    tinues to grow, and health

    information management, a

    major that figures to be in

    demand as many nations cope

    with aging populations and

    doctor shortages.

    During the dark days

    of the Civil War,

    Lincolns Secretaryof War, Edwin Stanton, was

    frustrated by the Presidents

    policy of trying to win over

    his adversaries. Why do you

    waste so much time trying to

    make friends with your ene-

    mies when you should be

    destroying them? he

    demanded angrily. Lincoln

    replied, If I turn an enemy

    into a friend, havent I

    destroyed that enemy?What brilliant and sim-

    ple wisdom. Instead of wag-

    ing a battle that consumes

    our resources in an effort to

    make the enemies waste

    theirs, find areas of synergy

    and grow stronger together.

    We can apply this con-

    cept to our daily lives. Some

    our most powerful adversaries

    and allies are the habits that

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    and those that are destruc-

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    can either serve us or we can

    be doomed to serve them;

    there is no third option.

    Try taking a habit that is

    harmful such as interrupt-ing other people while they

    are speaking and look to

    replace it with a useful habit

    of success instead. We inter-

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    ing. Practice effective listen-

    ing and you will both curtail

    the bad habit while reinforc-

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    New majors sprout as

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    visit our website at www.lifeandleisurenj.comJune 26, 2013 Zone 2, Page 23

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    chairs for adults. You can also

    opt for guests to bring theirown chairs if you do not have

    enough.

    Have movie snacks on

    hand. Snack foods, especially

    finger foods, work best for out-

    door movie nights. Give

    everyone a paper lunch bag

    they can fill up with snacks

    from a snack table and then

    take with them to their seats.Have a cooler filled with bev-

    erages in close proximity to

    your seats. If youre creative,

    you can tie in the snacks to the

    theme of the movie. For exam-

    ple, if youre watching a film

    with dinosaurs, then serve

    dinosaur-shaped gummy fruits.

    Plan for an intermission.

    Pause the movie halfway soguests can stand up and stretch

    or visit the restroom. This also

    enables them to refill any

    drinks or snacks.

    Give neighbors a heads-

    up. As a courtesy to your

    neighbors, let them know you

    will be having a movie night

    in the yard, and for a few

    hours there may be more noisethan usual. Try to time the

    viewing so it will not stray too

    far into sleeping hours when

    neighbors may be disturbed.

    Better yet, invite them to the

    festivities.

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    Gar. KIN3686KINNELON/SMOKE RISE 973-838-9300

    GREEN POND 1,095,000Ren.3BR/2BA LKFRT home/priv Lk/Club CommGP/2-Story Grt.Rm/gour.Kit/lst Flr.Mstr./Stone

    FP/2C.Gar./priv Dock KIN5955KINNELON/SMOKE RISE 973-838-9300

    HILLSDALE $899,499Own a piece of History with this alluring 19thcentury 4BR Vict. Col. This home truly has it all.

    KIN3563KINNELON/SMOKE RISE 973-838-9300

    JEFFERSON TWNSP $690,000To be built on 7.92 Acres of privacy. Lake front

    property. Lot also listed For Sale. KIN3662

    KINNELON/SMOKE RISE 973-838-9300

    KINNELON $530,000Well maintained 3BR/2BA Ranch/2C Gar/SS Appl/updated Bths/heated pool/plenty ofprivacy. KIN3670KINNELON/SMOKE RISE 973-838-8400

    KINNELON $550,000Smoke Rise-4BR/2.1BA Col. 1st Flr.Den/4BRS/H/W Flrs/2 sided FP/full unfin. W/Obsmt. No steps from Garage to house. KIN3595KINNELON/SMOKE RISE 973-838-8400

    KINNELON $579,000Smoke Rise Treasure. Sun filled, open Flr.plan/cath ceil/walls of glass/4BRS/3.2BTHS/Ranch. KIN3656KINNELON/SMOKE RISE 973-838-8400

    WAYNE $367,900Beautiful bright & airy 2BR 2.5Bth unit w/2GAR,LR/fpl/soaring wdws, EIK/SS appl, fin w/o LL.Gorgeous wooded views! WYN0386

    WAYNE 973-694-8000

    NORTH HALEDON $699,000Beautiful newer 5BR Col in great loc w/lgEIK/Granite, Bsmt w/extra high ceil & walkout tolevel yd, oversized 2GAR & MORE! WYN0421

    WAYNE 973-694-8000

    RIVERDALE $229,0002BR unit w/LOW taxes, LR/DR, Laundry hookup+ Storage. Near Transp & Shopping. Priced toSell! WYN0374

    WAYNE 973-694-8000

    Host an outdoor movie night

    continued from page 17

    visit our website at www.lifeandleisurenj.com June 26, 2013Page 24, Zone 2

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    Excitement is mounting

    as beautiful buildingsemerge where aban-

    doned buildings once stood in

    the Haskell section of

    Wanaque. With units in

    Buildings 1 and 2 of the new

    Parkside at Wanaque develop-

    ment slotted for closings over

    the next few weeks, that

    excitement can be felt by

    everyone involved.Our buyers in Buildings 1

    and 2 made a commitment to

    purchase these homes from

    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 21Crest Real Estate, exclusive

    listing agency for the Parkside

    at Wanaque development.

    The local community is

    just as excited. Drive by the

    Parkside at Wanaque construc-

    tion site located at the corner

    of Boulevard and Fourth

    Avenue on any given day and

    you will most likely noticeobservers on the outskirts of

    the job site. Recently a small

    group of local residents had

    assembled to watch the

    progress. One of them com-

    mented, These are just beau-

    tiful. We are all so excited to

    welcome Parkside to our

    neighborhood.

    All of the new construc-tion sales staff at Century 21

    Crest Real Estate have enjoyed

    partnering with Greentree

    Development Group to offer

    purchasers the best in quality

    and service, said Episale. Our

    buyers know that they are get-

    ting a beautiful quality product

    from a group that has dedicated

    themselves to offering the best

    product out there, and from the

    first moment they walkthrough the doors of our sales

    center, they receive personal-

    ized service from a team of

    experienced professional real-

    tors and new construction spe-

    cialists. Our buyers are really

    getting the best of both

    worlds.

    All the hard work and

    dedication have paid off. With

    only 18 out of 88 units still

    available, the quality of prod-uct and service is evident.

    Parkside at Wanaque pro-

    vides luxury living at affordableprices to its purchasers offer-

    ing custom kitchens with gran-

    ite countertops, stainless

    kitchen appliances, hardwood

    flooring, carpeted bedrooms,

    and unbelievable appliance

    and lighting packages. Prices

    start under $250,000 for a two-

    bedroom, two-and-a-half bath,

    two-floor townhome with one-

    car garage.

    The sales and design cen-ter is located at 142 Route 23

    in Pompton Plains and is open

    Tuesday through Thursday 6-8

    pm. There are open houses

    every weekend from 10am-4pm

    and scheduled appointments

    anytime.

    Members of the sales team

    can be reached at 973-646-

    7476. More information is

    available at www.parksideat-

    wanaque.com.

    New townhomes closing in Wanaque

    SALES CENTER LOCATED AT:142 Rt. 23 North, Pompton Plains, NJ

    2013 OCCUPANCY

    The Developer is Greentree Development Group. The image used in this ad is an artist rendering and as built conditions may be differentthan depicted. Features, pricing, availability, amenities and specifications from any image are subject to change without notice.

    SALES CENTER

    Open Tuesday - Thursday 6:00PM - 8:00PM

    OPEN HOUSE

    Every Sat. & Sun. 10AM-4PM at our Sales Center

    Call Today

    973-646-7476

    www.parksideatwanaque.com

    NEW 2 BEDROOM 2 1/2 BATH TOWNHOMESPRICES STARTING UNDER $250,000

    visit our website at www.lifeandleisurenj.comJune 26, 2013 Zone 2, Page 25

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    25/28

    Pompton Turnpike, Pompton Plains.

    Prospective members are always wel-comed. For more information call877-221-1581 or e-mail [email protected] provide a supportiveenvironment to improve public speak-ing and leadership skills. We meet thefirst Wednesday of each month at

    Hollywood Restaurant & Pizzeria, 376Fairfield Road, Fairfield from 7-9pmGuests are welcomed. For more infor-

    mation, visit www.diningtospeak.com.The Montville Senior Citizens Club is

    open to all Montville Township resi-dents aged 55 and older. The clubmeets every first and third Friday ofthe month at the Montville SeniorHouse, next to the police station onRoute 202 South. We serve coffee andcake at noon before the meeting at1pm. New members and guests arealways welcomed. For information,call Celia at 973-227-4591.

    MARIA FERRITO973-986-6914 Cell

    !!!""#!&

    NJAR MILLION DOLLARSALES CLUB 2001

    NJ CIRCLE OF EXCELLENCE2002-2012Consistent

    TOP PRODUCER

    in the WAYNE area."&%!$&

    Townhome SpecialistRelocation Agent

    CallMARIA FERRITOfor CURRENT MARKET

    VALUE OF YOUR HOME

    SHORT SALE AGENTOwe more than your

    home is worth?INVENTORY ISLOW. IF YOU

    WANT TO SELLYOUR HOME,

    CALL ME!973.986.6914

    /(++/

    )+-""!(%!+

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

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

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

    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.%4-$$1,2%.1.-#.2+(23$#!.5$1$24!)$"33.,$$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

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

    Call today for a FREE Mortgage Pre-qualification

    CEDAR GROVE $539,500

    $2,123 per month30Yr Fixed w/0 points. 4.25/4.317% APR

    KINNELON $359,800

    $1,374 per month30Yr Fixed w/0 points. 4.00/4.089% APR

    LINCOLN PARK $209,900

    $802 per month30Yr Fixed w/0 points. 4.00/4.141% APR

    LINCOLN PARK $299,900

    $1,145 per month30Yr Fixed w/0 points. 4.00/4.103% APR

    LINCOLN PARK $359,000

    $1,371 per month30Yr Fixed w/0 points. 4.00/4.089% APR

    PEQUANNOCK $235,000

    $898 per month3


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