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Who would have

thought back in

September 1963 that

Gloria Frances would be making

history, still tapping away 50years later? After thousands of

students and a reputation as

one of North Jerseys pre-

miere dance schools, the

Gloria Frances School

of Performing Arts is

proud to be celebrat-

ing its 50th season.

Gloria began

dancing at age of three

at many venues, includ-

ing the famous SteelPier in Atlantic City.

Gloria was the recipient of

many scholarship awards, with

which she furthered her educa-

tion in New York City with such

greats as Luigi, Frank Hatchett

and Bob Audy. It was during this

time she realized she had a love

for teaching dance. This love

inspired her to open her own

dancing school at the age of 18.

In September 1963, in the

Preakness Shopping Center,

Gloria began influencing and

sharing her love of dance for the

children of Wayne and the sur-

rounding areas.

Over the years, she has been

an inspiration and a positive role

model for many of her students.They have gone on to perform in

Broadway musicals and hit TV

shows, and many have even

opened their own dancing

studios.

I want my students to

feel that they are part of

a special family here at

the school. Whether

youre a recreational

dancer or an aspiring

dancer, everyone is alwayswelcome at our school, said

Frances. Ive been very fortu-

nate. My husband Joe Zisa and

my sons Ron and Tim have

always allowed me to share my

dance family with them.

And a family feeling it is!

Her son Ron has been the busi-

ness administrator of the school

since 1994. The teaching staff is

made up of an ensemble of pro-

fessional choreographers and

experienced teachers, includingStefania Alves, Jessica DeMarco,

Christan Meyer, Jacqui and

Trisha Tookmanian, and Erica

Zisa, who have all been with

Gloria since the age of three.

Its a great place to be, said

Ron. Everybody here loves what

they do and it shows.

The Gloria Frances School

of Performing Arts is also home

to the award winning dance

troupe, Dance Edition. Formedby Gloria in 1985, the Dance

Edition is a highly competitive

group that has given the studio

recognition both nationally and

regionally. They won the 2013

Presidents Cup Award and

National Champions at the

Gloria Frances celebrates 50th year

Spa 23 Swim School

Swim School is a connuous weekly swim instrucon program designed to

offer children an opportunity to learn and master the fundamentals of

swimming at their own pace. Constantly measuring the progress of each

individual student, the instructor will guide students through the various levelsof Swim School unl swimming competency has been achieved.

Please contact the membership department for further informaon.

From $49 a Month

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

August 21, 2013

Zone 2, Vol. 11, No. 16

We are a Family, Friendly Publication

FALLREGISTRATIONSEE PAGE 16 & 17

continued on page 17

7/27/2019 221657_1376916938Aug 21 2013 Z2 LOW REZ

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

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

SEP 10

The monthly Chamber info/lun-cheon will be held at The BonefishGrill, 28 Rt. 46W, Pine Brook onTuesday, Septemb er 10 from 12-2p m.$20.00 for non-members & $25.00

for non-members. Mayor Tim Bradenwill be the speaker. For more infor-mation or to register online please go

to the Chamber website www.montvil-lechamber.org. PayPal is now accept-

ed or call the Chamber office 973-263-3310.

SEP 24

The Montville Township Chamber ofCommerce is hosting its 1st Women-to-Women Chamber NetworkingBreakfast on Tuesday, September 24at the Municipal Bldg. 195Changebridge Road, Montville, LobbyConference Room from 8:30-10:00am. Complimentary ContinentalBreakfast served. Andrea Wasser-Malmud, MSW,CCBT,CFS, Chief

Professional Service Officer,NewBridge Services, Inc. will speak

about the Work-Life Challengeswomen face daily. Please inv ite othe r

wome n busi ness asso ciat es andfriends. Register online atwww.m ontvi llec hambe r or call theChamber office at 973-263-3310.

Around theCommunity...

Ladies, come and relax and findinspiration, renew your faith, and beempowered. Come to our 11th annu-

al Womens Retreat and be upliftedand go deeper with solid Bible teach-

ing and compelling messages. Friday,September 20 at 7 pm and Saturday,

September 21 from 9am-3pm at FirstReformed Church 60 Chapel HillRoad, Lincoln Park. Via DVD the fol-lowing Women of Faith speakersare: Patsy Clairmont, Angie Smith,Sheila Walsh, & Marilyn Meberg.Angela DiPrima will join us again tolead us in song. A complimentaryluncheon will be served at church onSaturday. There is no charge for theretreat, but a free-will offering will

be received. Please register by call-

ing Barbara at 973-839-6384 oronline at w ww.frc-lpnj.orgMontville UNICO Foundation is pre-senting its annual cultural celebrationto the local area - San GennaroFestival/Carnival at 90 HorseneckRoad, Montville (behind the publiclibrary). Festivities will beginSeptember 5-8. Hours: Thursday at6pm-10pm, Friday 6pm-11pm,Saturday 12-11pm, and Sunday 12-

6pm. Parking is available on site.This is a family event with the pro-

ceeds going to continue our over 20year funding of educational grants,community services, disease re-search, aiding the disabled, holidaydonations of food, gifts and clothing,and much more. Major sponsor:Lakeland Bank. See our websitewww.montv ille unico.org .Whether you are still suffering fromthe bleak memories of war or haveresolved to put it all behind you,Point Man Ministries is for you. Point

Man is a Christian ministry dedicatedto helping veterans find peace withthemselves and the world aroundthem. If you are doing fine after thewar, thats fantasti c but dont forget

about your buddies who are still suf-fering. Find out how you can help.Call Barry Jensen at 973-809-9665.Point Man Ministries meets the firstThursday of every month from 7:309:30pm at Cornerstone Chapel 620

Route 23 North, Pompton Plains.The Montville Township Womens

Club has an ongoing project: comfortpillows for breast cancer patients. Ateam of club members, seniors, andvolunteers from surrounding citiesparticipates in this worthy project.Even heart surgery patients havefound use for these comfort pillows.Call Chairperson Alexandria Sarra at

973-405-0088 for more information.All monetary donations, used to pur-chase polyfill for the pillows, shouldbe made payable to MTWC and should

indicate Comfort Pillow in thememo. Please mail checks to P.O. Box267, Montville, NJ 07045.Mothers & More is a not-for-profitgroup for both stay-at-home andworking moms. It features monthlymeetings, playgroups, mom-and-totoutings, mom-night-outs, and muchmore. Members are from Wayne andall surrounding towns. Monthly meet-

visit our website at www.lifeandleisurenj.com August 21, 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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Many unlicensed,u n p r o f e s s i o n a l ,

unqualified people

within the financial services

profession, along with themedia, have rendered inaccu-

rate and negative opinions

about annuities. These opin-

ions are sometimes picked upand espoused on TV, radio, in

newsprint and taken as gospel

by many unsuspecting mem-

bers of the public. For these

and other reasons, far too

many people have a misguided

opinion about these magnifi-

cent retirement vehicles

designed to produce, sustain

and guarantee an income for

the rest of a persons life, and

his spouses life, if so elected. Ifyou are one of these people,

please invest a few minutes to

read this for some enlighten-

ment that may positively

impact your financial life.

First, a few facts.

1.Only an annuity can guar-

antee you an income for the

rest of your life. No other

investment has this character-istic. The guarantee is based

on the claims-paying ability of

the insurance company select-

ed. The insurance company is

further backed up by the state

in which the company is

domiciled, as well as the state

in which the purchase was

made, if different. (State guar-

antees have limitations and

should be investigated and

understood fully before invest-ing. Any competent agent

or representative can obtain

this information for you.)

2.All annuities have a death

benefit principal guarantee,

even those that allow for

investments directly into

stock and bond funds, which

have the potential for decline.

These death benefit guaran-

tees have optional language, if

selected, that offer guaranteed

annual increases in the death

benefit payout even if per-

formance causes a decline in

value. The best part is that

there is no medical qualifica-

tion to secure this feature.

3.Annuities offer living ben-

efit riders that allow for acompounded annual increase

in a withdrawal or income

base which, in turn,

enhances the guaranteed

annual lifetime income

stream when the client elects

to receive it. This is called a

roll-up feature.

4.Variable annuities also offerliving benefit riders that will

set the withdrawal base to the

highest yearly, quarterly,

monthly or even daily value

that will determine the life-

time income. So if the market

causes your annuity value to

decline just before you retire

or want to initiate with-

drawals from your contract,

the withdrawal calculation

will be based on the best

anniversary your annuity ever

had! In other words, your

annual income will never be

affected by market declines

and is guaranteed for life!

5.Some Annuities offerenhanced payout benefits

should the annuitant enter a

nursing home, suffer cognitive

impairment or be unable to

perform some of the activities

of daily living, like bathing,

feeding, dressing, continence

or transferring from room to

room. Some even offer

enhanced death benefits in

addition to living benefits.

Better optional riders offer

both!

6.Traditional fixed and fixedindexed annuities both pay a

lifetime minimum guaranteed

rate of interest that grows tax-

deferred until withdrawn.

Variable annuities are mutual

fund-like investments that

offer greater growth potential

than the other two annuity

types, but have the potential

for decline in value unlike the

other two. However, with a

death benefit guarantee aswell as a joint lifetime-income

rider and tax deferral, variable

annuities are a far superior

alternative to mutual funds.

If you desire no market

risk whatsoever and wish to

receive an annual report that

is always worth more than the

previous one, a traditional

fixed annuity (TFA) is for

you. For accepting a returnthat would never be negative

in a declining stock market,

but a rate of return that has

the potential to be significant-

ly higher than a TFA in peri-

ods of a rising stock market, a

fixed indexed annuity (FIA) is


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Astory unfolds nearly

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Being in the estate-buy-

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youd think we would have

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see, said co-owner Bud Mazzo.

But its not true! We are still

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Its a common occurrence

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Mysteries in the old jewelry box


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The main differences

are: Strength of

bleaching agent. For

starters, over-the-counter

home use products and den-tist-supervised at-home prod-

ucts usually contain a lower

strength-bleaching agent

(from 10% carbamide perox-

ide-which is equivalent to

about 3 percent hydrogen per-

oxide and up to 22% car-

bamide peroxide). In-office,

professionally applied tooth

whitening products contain

hydrogen peroxide in concen-

trations ranging from 15 to 43percent.

Mouthpiece trays. With den-

tist-supervised at-home

bleaching products, your den-

tist will take an impression of

your teeth and make a mouth-piece tray that is customized to

exactly fit your teeth. This

customization allows for maxi-

mum contact between the

whitening gel, which is

applied to the mouthpiece

tray, and the teeth. A custom-

made tray also minimizing the

gels contact with gum tissue.

Over-the-counter whitening

products do contain a mouth-

piece tray, but the one-size-fits-all approach means that

the fit will not be exact. Ill-fit-

ting trays can irritate the gum

and soft tissue by allowing

more bleaching gel to seep

onto these tissues. With in-

office procedures, the bleach-

ing agent is applied directly to

the teeth.

Additional protective meas-

ures. In the office setting, your

dentist will apply either a gelto the gum tissue or use a rub-

ber shield (which slides over

the teeth) prior to treatment

to protect your gums and oral

cavity from the effects of the

bleaching. Over-the-counterproducts dont provide these

extra protective measures.

Speed of the bleaching

process. Dentist-supervised at-

home bleaching and over-the-

counter bleaching products

typically need to be applied

every day for 1 or 2 hours or

every overnight for up to 4

weeks. In-office bleaching pro-

vides the quickest and most

effective way to whiten teeth.With in-office bleaching, the

whitening product is applied

directly to the teeth. These

products can be used in combi-

nation with heat, a special

light, and/or a laser. The light

and/or heat accelerate the

whitening process. Results are

seen in only 1, 30- to 60-

minute treatment. To achieve

dramatic results, however, sev-

eral appointments are usuallyneeded. With laser-enhanced

bleaching, however, dramatic


At-home vs. at-the-dentist dental

bleaching By Peter Brusco, DMD


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Renovations that take

inventory of energy

use and strive toward

efficiency have grown

increasingly popular over the

years. Homeowners fed up

with high utility bills want to

conserve costs, and there are

a number of ways to revamp a

home to be more energy effi-

cient.

The first step in a home

energy makeover is to find

out where your home is los-

ing money. Certain munici-

pal and environmental agen-

cies offer home assessments,

during which they will do a

complete walk-through of

your home and highlight

areas that can be improved.

Private companies also per-

form energy audits on a

home. They may be able to

point out appliances, win-

dows or landscaping issues

that could be compromising

the efficiency of a home.

These people may have a

more intimate knowledge of

insulation ratings and win-

dow efficiency ratings than

the average homeowner.

In addition to having an

energy audit on your home to

save money on utility bills, a

professional audit may make

you eligible for tax incen-

tives and rebates. That can

mean even more savings and

may even increase the value


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of your home.

Until a thorough energy

assessment can be made, there

are some easy and relatively

inexpensive fixes any home-

owner can undertake to help

improve energy efficiency.

Clean air filters. Trapped

dust and debris in a filter

makes furnaces and air con-

ditioners work harder. Once

filters are free from dust, air

can blow more smoothly

through the system.

Plug leaks. Air leaks could

be sucking energy out of your

home and money out of your

wallet. Once you find any

leaks, you can use weather

stripping and caulking to seal

up breaches and save energy

and money.

Invest in insulation. Install

high-efficiency insulation in

attics and between walls to

prevent energy loss and keep

more warm or cool air in

the home. A well-insulated

house requires less heating

and cooling to keep the tem-

perature indoors stable, and

that translates to less money

spent on utilities.

Swap out light bulbs.

Switching bulbs from incan-

descent to more efficient

LED or CFL bulbs can save

money in the long run.

By making a few simple

changes, a homeowner can

increase their energy savings

around the house. Investing

in an energy audit and

makeover can pinpoint key

areas that need improvement

to help save you money.


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ings are on the first Monday of eachmonth (unless a holiday) at 7:30pmat Our Savior Lutheran Church, 670Newark Pompton Turnpike, PomptonPlains. Prospective members arealways welcomed. For more informa-tion call 877-221-1581 or [email protected] provide a supportive

environment to improve public speak-ing and leadership skills. We meet thefirst Wednesday of each month atHollywood Restaurant & Pizzeria,376 Fairfield Road, Fairfield from 7-9pm Guests are welcomed. For moreinformation, visit www.diningtos-peak.com.The Montville Senior Citizens Club isopen 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 coffeeand cake at noon before the meetingat 1pm. New members and guests arealways welcomed. For information,call Celia at 973-227-4591.


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With this coupon only. Not valid with other offers.Expires 9/18/13.

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OFFOn AllVacuum Repairs$11999

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LARGEST VACUUM PARTS SELECTION IN NEW JERSEY

Community Happenings

continued from page 2

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Service Savings Selection

.com

SALE!!!75% Annuals50% Pottery

25% Perennials20% Fountains

WE OFFER LANDSCAPE DESIGN & INSTALLATIONAsk a sales associate for details.

Celebrating 40 Years in Business

Family Owned & Operated

From Our Greenhouse, We Grow & Sell Direct to You!

30 Hillview Road Lincoln Park NJ, 07035

973-694-7495 Grorite.com* NEW HOURS: Mon.-Sat. 8am-6pm Closed Sunday for church and family

We acceptAmex Visa

Mastercard Discover

WE ARE THE SOURCE.For directions visit our

website grorite.com

facebook.com/groritegc

We have thousands of hanging baskets,summer potted annuals and combo planters.

We receive fresh deliveries from ourgrowing farm on a daily basis!

BONUS

Every $100 you spend we wil l give you a$10 Gift Card that you can use

September and October.

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A

s a family caregiver,

you may find your-

self facing a host of

new responsibilities, many of

which are unfamiliar or

intimidating. You may be tak-

ing care of an aging parent or

a handicapped spouse. Or

perhaps youre caring for a

child with a physical or men-

tal illness. At times, you may

feel overwhelmed and alone.

But regardless of your particu-

lar circumstances, youre fac-

ing a challenging new role.

These tips can help you get

the support you need while

caring for someone you love.

1.Accept your feelings.

Caregiving can trigger a host

of difficult emotions, includ-

ing anger, fear, resentment,

guilt, helplessness and grief.

Its important to acknowledge

and accept what youre feel-

ing, both good and bad.

Dont beat yourself up over

your doubts and misgivings

these feelings simply mean

youre human.

2.Ask for help. Even if

youre the primary family

caregiver, you cant do every-

thing on your own. Youll

need help from friends, sib-

lings, and other family mem-

bers, as well as health profes-

sionals. If you dont get the

support you need, youll

quickly burn out, which will

compromise your ability to

provide care.

3.Make time for yourself.

While youre caring for your

loved one, dont forget about

your own needs. Take time to

relax daily and learn how to

regulate your stress when you

start to feel overwhelmed. Its

also important to stay social.

Make it a priority to visit reg-

ularly with friends and family.

Dont let yourself become iso-

lated.

4.Care for your body.

Exercise regularly. Try to get

in at least 30 minutes of exer-

cise three times per week,

since exercise is one of the

best ways to relieve stress and

boost your energy. It is also

imperative to go to all of your

regular doctors checkups and

remember to eat healthy and

get enough rest.

5.Talk with others. Even

when you understand why

youre feeling the way you do,

it can still be upsetting. In

order to deal with your feel-

ings, its important to talk

about them. Dont keep your

emotions bottled up, but find

at least one person you trust

to confide in.

Sonia Scott is the owner of

Dorson Home Care, a full-

service home health care agency

providing fami lies throughout

Northern and Centra l New

Jersey with compassionate

home care services since 1989.

For more information, visit

www.dorsonhomecare.com or

call 973-672-7691.

How to care for the caregiver


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

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HIGHEST PRICESPAID ON THE SPOT

Paragon Jewelers

Record High Gold Prices

Sell The Gold Jewelry

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We Also Buy Sterling Silver & Coins

Rt. 23 N. & Jackson Ave.Pompton Plains

In The A&P Shopping Ctr.Next To Home Goods

& T.J. Maxx

973-839-0611Open Tues.-Fri. 10-6, Sat. 10-5

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WE OFFER:ARTS & CRAFTS SRA READINESS PROGRAM FIELD TRIPS SCIENCE

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973-835-560921 PASSAIC AVENUE, POMPTON LAKESwww.pomtonlakesnurseryschool.com

Welcoming Day and Registration

Monday Sept. 9th 9:00-11:00AM

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POMPTON LAKESNURSERY SCHOOL

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Parents of Nursery and Pre-Kindergarten Children

Give Your Child The Advantage of anOutstanding Pre-School Program

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Degreed Teachers

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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

[email protected]

smheatingandair.comReliable Service That You Can Trust

ATTORNEYFredric F. Azrak, Esq.

Azrak & Associates, LLCAttorneys at Law

627 Newark Pompton TpkPompton Plains, NJ 07444

973-839-9062azraklaw.com

[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

ELECTRONIC OFFICE SYSTEMSChris Lagreca, Sales Consultant

Electronic Office SystemsFairfield, NJ

973-808-0100973-882-2882 fax

[email protected]

FLOORING

Fasani & Sons Custom FlooringMichael F. Fasani

Hawthorne, NJ 07506973 423-2907

[email protected]

HOME IMPROVEMENTSRobert Ruggiero

License #13VH04356500

Beechwood Home ImprovementsLivingston, NJ 07039

[email protected]

HOME INSPECTIONSRobert Ruggiero

N.J.H.I. Lic #24GI00084600

Compass Home Inspections, LLCLivingston, NJ 07039973-634-3514

[email protected]

INSURANCE AUTO, HOMEJim Murasko, LUTCF

Allstate New Jersey Insurance CompanyExclusive Agent

The Murasko Agency, LLCBloomingdale, NJ 07403

[email protected]

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

Thomas J. Cleeland CLTC,LUTCFAllstate Financial Services

Westfield, NJ 07090908-301-0711

[email protected]/tcleeland

IT/COMPUTER SERVICESKen Ginefra, PresidentGCS Consultants LLC

170 Kinnelon Road, Suite 16Kinnelon, NJ 07405

[email protected]

gcsconsultants.com

JEWELRYDenise Holleritter,

Independent DistributorPremier DesignsOak Ridge, NJ973-697-4227

[email protected]

JUNK REMOVALPatrick J. Resotka, OwnerClass Act Junk Removal &

Clean Out ServiceWhippany, NJ973-349-7348

[email protected]

MARKETING CONSULTING

Adam S. WolfPresidentCellCon 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

973-283-8111 [email protected]

familyhomefunding.com

PAINTINGSteve Pruzinsky

All Jersey Painting, Inc.Lincoln Park, NJ 07035

973-694-2299

[email protected]

PAYROLLPaychex

Scott LemlySmall Business Consultant

Fairlawn, NJ201-796-2111 x58446 ph

877-282-3175 [email protected]

paychex.com

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

High DefinitionPersonal Training Center

Wayne, NJ 07470973-784-3381HDPTC.com

PRINTINGBob Carroll

PrintcbfCedar Knolls, NJ

973-682-9000 x107 973-682-9559 [email protected]

printcbf.com

PROMOTIONAL ITEMSCarol Nash

Dash of Nash PromotionsKinnelon, NJ

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

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Sunshine Prosthetics & OrthoticsWayne, NJ

973-696-8100973-696-8101 fx

[email protected]

REAL ESTATE RESIDENTIALLinda Lee SokerkaColdwell Banker

Residential Real Estate973-838-9300 973-768-2717

[email protected] Perfect Home Is Waiting!

I Can Help You Find It!

TRAVELJoanne Hunt

Pompton Plains Travel142 Route 23 North, 2nd Floor

Pompton Plains, NJ 07444973-831-1114 [email protected]

pomptonplainstravel.com

VOICE & DATA SOLUTIONSRichard Gail

Sales ManagerD&D Communications355 Warwick Turnpike

Hewitt, NJ 07421973-506-7435

[email protected]

WEBSITES/SEOBob Lee

ASA Marketing LLC973-750-8670

[email protected]

Mobile Marketing/Websites

WINDOW CLEANINGJoe LaFergola

Fish Window CleaningRiverdale, NJ 07457

[email protected]

fishwindowcleaning.com/697

Networking Group

Visit Our Website for Detailed Information and Discounts/Promos

@ www.NJNetworkingGroup.com/life

BU

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NJ Total Health Center is dedicated to helping people

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holistic approach. Our utilization of Chiropractic, nutrition,

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Dr Donna Perillo DC holds a degree in Chiropractic,

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b lif dl i j A t 21 2013P 16 Z 2

7/27/2019 221657_1376916938Aug 21 2013 Z2 LOW REZ

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Accidents repeatedly

happen on play-

grounds in school-

yards and parks. The U.S.

Consumer Product Safety

Commission says that each

year more than 200,000 chil-

dren in the United States

visit hospital emergency

rooms with injuries suffered

on the playground. Many of

those injuries occur when a

child falls from playground

equipment onto the ground.

Supervision is key to prevent-

ing injuries on the play-

ground. Following these

guidelines also can keep chil-

dren safe.

Children are develop-

mentally different and should

play on equipment that is

rated for their particular age

group.

Hard surfaces around

playground equipment should

be thoroughly cushioned

with a material that will

reduce impact injuries.

Mulch, pea gravel, sand, and

synthetic rubber shavings are

all acceptable materials.

The equipment should

be free of sharp points or dan-

gerous edges.

All fastening hooks and

chains, including S hooks,

should be secure and in good

condition.

The playground should

have adequate drainage.

Swings and other mobile

items should be located far

enough away from buildings

and other obstructions.

The playground should

be kept clean of any debris,

including cans and broken

bottles.

Make sure there are no

tripping hazards, like exposed

concrete footings, rocks and

tree stumps.

Adults should always be

present to oversee activities

on the playground.

Did you know?

BUY ONE &

GET ONE 50% OFF!*AUGUST 1, 2013 - OCTOBER 15, 2013

BOGO

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1651 State Route 23 SouthBrentwood Plaza, Wayne, NJ 07470

tXBZOF!DBQF[JPDPN

*See store for details.Promotion applicable to beginner footwear styles ONLY!

Register early beforetheyre all filled!

To Advertisein Life & Leisure

Call 973-696-8008

Call 973-616-0300 or through websitewww.lindadance.com - [email protected] - Fax 973-616-9601

574 Newark Pompton Tpke, Pompton Plains

Linda DAmicosAcademy of Dance

Ballet, Tap, Jazz, Modern, Lyrical, Hip Hop, Contemporary, Gymnastics,Pilates, Latin Aerobics, Ballroom, Wedding Preparation

Competitive & Recreational

2 yrs old to seniors

Gain Grace, Strength,Agility, Discipline, & PoiseWhile Having Fun.

FINAL OPEN HOUSE DATETuesday, August 20th9:30am-12pm, 7-9:30pm

Linda DAmicosAcademy of DanceTM

CALLorREGISTERONLINE ANYTIME!

i it b it t lif dl i jAugust 21 2013 Zone 2 Page 17

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Developing the Foundation for a Lifetime of School Success!

Family Owned and Operated Est. 1972

CORE APPLECORE APPLE

Visit our school and find

out how many consecutiveyears over 90% of our

children scored in the top10% nationally...

and they are having theMOST FUN in their

lives!

'''""!%$$!#$!!$!

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Preschool, Kindergarten,Ages 2-6 Years

A Truly UniqueMontessori School Unique Phonics

Reading Program Hands on Math

Curriculum Computers Music

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Parenting Seminars Character Education After School Clubs

Summer CampAges 2-12 Years Daily Swimming

Lessons, Heated Pooldesigned for safety ofyoung children

Sports/Organized Games Arts & Crafts

Field Trips/FunThemed Days

Music/Dance In House Events

Nature & Science Computers Cooking After Camp Clubs Fastrackids

FREE CLASS

Wednesday, August 28th, 5:00PM3-6 Year Olds & 7-9 Year Olds

PERFORMING

ARTS

ACADEMY

j

j973-839-7800

194 Wanaque Ave. Pompton LakesVisit Our Website:

www.thepaa.comDawn La Viola-Schaub - Artistic Director

ALL NEW STATE-OF-THE-ART STUDIOThe New Studio is 3 levels, offering 5 beautiful spacious

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REGISTER EARLYTO GET THE CLASSES OF YOUR CHOICE.

Or Register by Mail to get the class of your choice.

NOW ACCEPTINGFALL REGISTRATION

WE OFFER A LARGE VARIETY OF DANCEBallet Tap All Boy Hip Hop Jazz Lyrical

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Any questions please call:973-839-7800

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Thurs - August 29th4PM - 7PM

jj

DontMissOut,ClassesFill-upQuickly!

Dance Educators of America

National Competition in Las

Vegas.

Throughout Glorias

career, she has had the privi-

lege of being part of the

Dance Olympus, an organiza-

tion designed to further the

education of dance teachers.

With Dance Olympus, she

has toured the country for

eight years and she has also

taught master classes for such

organizations as Dance

Educators of America, Miami

Valley Dance Teachers

Association and the

Professional Dance Teachers

Association.

This is going to be a

very exciting year! said

Frances. So many of my for-

mer students are now register-

ing their children! I cant

believe Im now teaching sec-

ond generation students! Id

like to thank all of my loyal

friends and families. Its been

a wonderful 50 years.

For more information on

Gloria Frances please call

973-835-3304 or visit

www.gloriafrances.com

Gloria Frances celebrates 50th year

continued from page 1 To Advertise inLife & Leisures FallRegistration SectionCall 973-696-8008

visit our website at www lifeandleisurenj com August 21, 2013Page 18, Zone 2

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

RESTAURANT

z2

MUST PURCHASE A BEVERAGE WITH EACH MEAL .

DINNER ONLY INCLUDES SOUP OR SALAD.

MONDAYSATURDAY

CASH ONLY. CANNOT COMBINE WITH OTHER OFFERS. NOT VALID ON

HOLIDAYS. Coupon must be presented before ordering. Not valid on parties 6 or more.2 Meals per coupon. Expires 9/21/13.

*

WHOLE LOBSTERTHURSDAY NIGHT

--- NO COUPONS ---

$1299+tax1 lb.14

LUNCH DINNER

$699 $1299Veal Parmigiana Fried Shrimp Platter

Chicken, Shrimp or Sole FrancaiseChicken or Shrimp Parmigiana

Homemade Meatloaf w/Mashed PotatoesMeatball & Sausage Vodka Sauce over Ziti.

* *

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

49 MAIN STREET | BLOOMINGDALE

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

DAILY LUNCH BUFFET $6.95& Full Menu with Specials

Restaurant & Fine Catering Catering For All Occasions, On & Off Site Gift Certificates Available Take-Out Full Bar

ATouchOfItalyInBlo

omingdale

A Warm, Elegant & Engaging Atmosphere

LinasA Touch Of Italy In Bloomingdale

of course!

WE WILL BE OPENFOR PRIVATE PARTIES ON

MONDAYS & TUESDAYSvisit us on facebook

www.linasristorante.com

CUSTOMERAPPRECIATIONNIGHTEvery Wednesday & Friday

4PM-11PM

50% OffEntire Check18% Gratuity added to total bill.

Not valid with any other offers.

CASHONLY

Ensurethe Perfect Date

for YourSpecial Occasion...

Book Now!

Since 1983

973-706-6435166 Newark Pompton

Tpk. Pequannock, NJ

FREE

(next to CVS)

Footlongwith purchase of

2 Footlong SandwichesWith this coupon, not to be combinedwith any other offer. Valid Anytime.

With this coupon, not to becombined with any other offer.

With the purchase of any6 inch sub and 30oz. drink.

$2 Off

15%

Off ANY PURCHASEof $10 or MoreWith this coupon.Not to be combined with

any other offer

FREE6 Sub

$4Lunch

Additional charges for extras.Plus Tax. Come in for$4 Lunch selections.

With this coupon, not to becombined with any other offer.

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To Advertise in Life & Leisure Call 973-696-8008


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You plot the fastest route

to your clients office

with an on-board navi-

gation system. You use a hands-

free cell phone to leave last-

minute instructions for yourstaff on the way to the meeting.

Your computer, presentation

materials and an extra shirt are

in the back seat. In short, your

vehicle is your office on wheels.

Its also a tax deduction.

Heres what you need to

know to reap the benefits.

Overview: You can deduct

auto expenses when you own or

lease a vehicle and use it for

business. Deliveries to cus-tomers, traveling to business

meetings, and trips to the office

supply store qualify as business

use. Commuting generally

doesnt, even if you discuss

work on your phone while

stuck in traffic.

The rules: You have two alter-

natives for calculating the

deduction: actual costs or the

standard mileage rate. If youchoose standard mileage in the

first year you use a vehicle you

own for business, you can usu-

ally switch to actual costs in

later years. Choosing standard

mileage for a leased vehicle

locks you in to that method for

the term of the lease.

Whats deductible? Under the

actual cost method, deductible

costs include depreciation,maintenance, gasoline, taxes,

insurance, parking fees, and

interest expense.

The standard mileage

rate for business use during

2013 is 56.5 cents per mile. In

addition, you can deduct the

business portion of parking

fees, tolls, certain taxes and, if

youre self-employed, interest

on your vehicle loan.

How to benefit: Maintain a

log of business and personal

mileage and keep receipts.

Having both lets you pick the

method that generates the

largest tax deduction.

Call us if you would like

additional information on

taxes and business driving.

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

Ryan BarryMortgage Banker

NMLS# 183464

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

CENTURY 21 CREST REAL ESTATE, INC.142 Route 23 North, Pompton Plains, NJ 07444

(973) 686-1500 (800) 950-5021

OWN THESE HOMES FOR...To Qualified Buyers.

Mortgage Payments listed above are based on principal and interest only and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR basedon a 740 credit score as of August 13, 2013. Terms for Condos listed above are subject to meeting Fannie Mae Guidelines. This information is not to be considered a commitment to lend. Programs and termsare subject to change without notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ , NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35286. Equal Housing Lender.

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

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$810 per month30Yr Fixed w/0 points. 4.5/4.654% APR



KINNELON $329,900


BUTLER $189,900


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OAKLAND $324,900


RINGWOOD $140,000




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Danielle FiorinaNJAR Circle of Excellence Gold LevelCenturion Producer

Qualtiy Service Pinnacle ProducerPresidents Producer

Cell: 973-460-4352

July Sales

Regina Gina PetryABR, SFR, NJAR Circle ofExcellence 2007, 2009-2012

Quality Service Pinnacle Award

Cell: 201-970-2319

JulyListings

What to know about business vehicle expenses By Robert Sokoloff, CPA



7/27/2019 221657_1376916938Aug 21 2013 Z2 LOW REZ

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for you. If you desire the

upside benefits of variousequity and bond funds with-

out the agony of a reduced

income if the markets falter,

plus a guarantee of a never-

ending income stream for as

long as you and your spouse

survive, a variable annuity

(VA) with a living benefit

rider is for you.

Which would I recom-

mend for your portfolio desig-nated for producing lifetime

retirement income necessary

to survive and prosper? My

answer is all three! Who

wouldnt desire unlimited

upside potential with no

downside risk to their income

(VA)? Who would balk at a

daily guarantee of interest

(TFA) or the ability to profit

in a rising market whileexempting the losses in a

downward cycle (FIA)?

Some negative prognos-

ticators would argue that all of

that guaranteed language

costs a fortune in fees and hin-

ders performance. However, if

the guaranteed benefits pur-

chased were ever needed

because your accounts ran out

of money, how expensive werethey? Even with no money left

in your account, the highest

guaranteed income continues

to be deposited into your

checkbook each and every

month.

Withdrawing money

from your portfolio during

negative market cycles creates

a sinking fund. The TFA and

FIA do not experience lossesfrom negative markets and the

VA which may decline

offers a lifetime income guar-

antee that will never reduce

or cease until you and your

spouse cease. When compared

to any other stock market-

based alternative when sys-

tematically withdrawing,

there always exists the possi-

bility of running out of funds

except in a properly structuredVA, where that would be

impossible. Remember that

IRAs due to the required min-

imum distribution rules are

guaranteed sinking funds. Live

long enough and the govern-

ment ensures you that they

will be depleted. But with a

living benefit rider on your

IRA annuity, when the

account is depleted the

income continues anyway andat the highest level it ever

was! Where are those nega-

tive pundits now?

To continue this topic of

conversation and to learn a

whole lot more with writtenevidence and proof of the

statements made herein,

please call me for a no-cost

and no-obligation appoint-

ment. Your portfolio will

thank you!

Mark Charnet, CAS, CSA is

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Ihear from people that

they are great networkersbecause they attended

three events last week. Sorry,

but networking has nothing

to do with how many events

you attend. The only defini-

tion of networking is how

many sales leads you gave out

to other people that they

closed in sales and then

received payment. Results

are the only thing that mat-

ters. Everything else is justyou being a sales person.

By generating a sales

lead that someone else

closed in business and was

paid you created a need

for someone to find you busi-

ness. And the greater

the ratio of given ver-sus received, the

greater the pressure on

the other person

because you are going

to find someone else to

give leads to in the

same industry if they

dont step up their

game.

Someone handing

you a business card

without them warmingup the person to you

calling their contact is

a waste of your time.

Yes, something may

happen, but the

chances are so small

that you can spend

your time doing some-thing better. You would

be better off contacting

your current customers

to see how they are

doing. If you have been

performing great, it

would be a good time

to ask for a referral.

And if not, it is a

chance to fix a prob-

lem.

I work with a usedcar salesman. At net-

working events he

would talk about get-

ting you in another car.

He was not successful.

I convinced him to

mention cars for five sec-

onds, then talk about open-ing his variety of connec-

tions and how much business

he has brought to others.

Now at the end o f meetings,

everyone wants to talk to

him. When was the last time

you saw everyone at a net-

working meeting run to talk

to a used car salesman?

If you would like more

information on how to net-

work successfully, and ongreat upcoming networking

events, please visit 24-7

Networking Sale s at

www.join24-7.com or call

973-697-8872.

j

MARIA FERRITO

973-986-6914 Cell

[email protected]

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Are you a networker or are you pretending? By Phil Doyle


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results can be seen after the first

treatment.

Costs. Over-the-counter bleach-

ing systems are the least expensive

option, with costs ranging from

$20 to about $150. Depending on

where you live and the extent of

the procedure, dentist-supervised

home bleaching systems range in

cost from approximately $150 to

$300 per upper or lower set ofteeth, or $300 to $600 for the

whole mouth. In-office bleaching

procedures range in cost from

$200 to $500 per arch, or $500 to

$1,000 for the whole mouth.

Supervised versus unsupervised

process. Dentist-supervised at-

home bleaching and in-office

treatments offer additional bene-

fits compared with over-the-

counter procedures. First, your

dentist can perform an oral exam-

ination and consider your com-

plete medical history, which can

be helpful in determining how

your teeth became discolored and

if bleaching is an appropriate

course of treatment based on your

type of stains and number, type,

and location of restorations. Yourdentist can then better match the

type of stain with the best treat-

ment, if appropriate, to lighten

those stains. With dentist-super-

vised bleaching procedures, your

dentist will likely want to see you

a couple of times to ensure you are

following directions, to make sure

the customized tray is fitting prop-

erly, to inspect your gums for signs

of irritation, and to generally

check on how the teeth whitening

process is proceeding. With over-

the-counter bleaching products,

you are on your own.

If you have made up your

mind to assume the risks associat-

ed with over-the-counter, tray-

based bleaching kits, heres some

sound advice:Try to select a kit that allows

some customization of the mouth-

piece. Some kits come with a

mouthpiece that can be molded to

some degree. These are better

than others that come with a stan-

dard stock mouthpiece.

Try to gain the opinion of

others who may have already tried

the kit you are considering.

If at any time you experience

a prolonged change in the color of

your gums or an increased tooth

sensitivity to hot or cold foods and

beverages, stop wearing the

mouthpiece and see your dentist

immediately.

Dr. Peter Brusco is a 1980 gradu-

ate of The University of Pennsyl-vania and has been practicing in

Kinnelon since 1982. Dr. Bruscos

practice is located at 170 Kinnelon

Road, Suite 29A in Kinnelon. You

may reach him by calling

973-838-5862 or

visiting him on the web at

www.drbrusco.com.

Robert P. Sokoloff CPA & Associ-

ates, PC is a full-service accounting

firm serving clients throughout the

northern New Jersey area, dedicated

to providing our clients with profes-

sional, personalized services and

guidance in a wide range of financial

and business needs. We are current-

ly accepting new clients and can be

contacted with any of your tax or

business needs at 973-633-1001

or [email protected].

Visit us at

www.cpanewjersey.com.

What to know about business vehicle expenses


At-home vs. at-the-dentist dental bleachingcontinued from page 7

They usually feel there is nothing

of value and were about to throw

it away, but they almost always

find something interesting. While

the majority is usually old plastic

costume jewelry, we often find

coins from the 1800s, Art Decoand Art Nouveau pieces, and

antique pocket watches. There

are always gold and silver items,

and things that are gold-filled,

which is about the same price as

sterling silver.

Some folks are looking toknow what they have, while others

want to sell items that have no sen-

timental value to help pay bills.

Either way, Boston Louis doesnt

charge for the analysis, as the

adventure is always so much fun!

Co-owner Ken Boston

recounts a funny story: A long-

time client of Boston Louis whose

grandmother had passed on and

was left two large storage bins of

junk. She had been mortified tobring it in to have analyzed

because it was the embarrassing

evidence that her grandmother

had been one of those folks who

stayed up late, ordering jewelry

from cable TV shows at an

unhealthy frequency.

The client said that if the

channel offered a ring for sale, her

grandmother would order it in

every color stone available, and

then she never even opened theboxes when they were delivered.

Eventually the channel banned

this woman from buying any more

jewelry, so the grandmotherwould then buy it through a

friend. The clients family was

horrified.

The analysis of the bins took

nearly four hours, but midway

through, Boston noticed through

looking at the old invoices that

many of the items purchased were

done before gold and silver had

skyrocketed. As horrified as the

client was, much of her grand-

mothers jewelry was now worthabout 30 percent more than she

had paid for it! If the grandmoth-

er had put her money into smart

things like real estate or stocks,

she would have lost money. So

you never know!

Boston Louis Jewelers has been locat-

ed on Newark Pompton Turnpike in

Pequannock for over 25 years.

Hours are Tuesday, Wednesday and

Friday from 10am6pm, Thursdayfrom 10am8pm and Saturday from

10am5pm. For more information,

please call 973-219-6858.

Mysteries in the old jewelry box


Call to schedule acomplimentary consultation:

973.493.6918

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