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It was just over a year ago that
Hurricane Irene hit northern
New Jersey. The rains came
followed by the horrific flooding
ravaging many homes in the
area. Those of you affected by
the flooding know the devasta-tion of losing homes, businesses,
churches and ultimately pre-
cious memories. I can still
remember peoples lives spread
out on their lawns or set at the
curb, including mine. Yet
through this tragedy, there were
so many unaffected that reached
out and helped those in need. I
can still remember the people
that came and assisted our fami-
ly; they will always hold a spe-cial place in our hearts. They
werent thinking of themselves
at that time; they heard a call for
help and responded.
We have since restored our
home and it just recently started
to feel like home where we could
feel comfortable. We were so
grateful this year
that we made it
through the sum-
mer with no hurri-
canes. Who would
have ever thought
at the end ofOctober, only
fourteen months
after Irene, Super
Storm Sandy
would darken our
doorways. If you
were like me, you
were glued to the TV watching
and tracking the storm.
Well, you know the out-
come; our gracious God had
mercy on northern New Jerseyfrom the devastation of flooding.
Yes, we had no power and the
lines for gas were long but He
spared us from what couldve
been horrible. Unfortunately for
Southern New Jersey and New
York City, the storm was cata-
strophic. People lost everything
some even lost their lives. I
was able to visit Brick several
times to help a friend that lost
her year-round home. As I drove
through the streets of purewreckage it was a familiar scene
once again. Memories came
pouring in as I realized there has
to be something more we can do
to give back. I know what a
blessing others were to my fami-
ly in our time of tragedy; now its
our turn to offer it back.
We will be collecting sup-
plies for our neighbors over
the next several weeks in
hopes of making this devas-
tating time just a bit easier.
As the Holidays are
approaching please considerdonating the following to
touch the lives of those who
lost so much:
Non-perishab le food, toi-
letries, personal hygiene
products, cleaning supplies
and cleaning tools, baby
items (especially diapers), paper
goods, toilet paper, paper towels,
bedding, blankets and yowels,
new underwear only, coats, new
or gently used hats and gloves,food store gift cards, batteries,
over-the-counter medication.
The collection point in our
area will be in Spa 23, located at
381 Route 23, Pompton Plains
Collections will last now
through November 28.
Giving back in the wake of Super Storm Sandy
Proverbs 3:5,6 God Bless AmericaRecycled Paper from 30% Post Consumer Waste
November 21, 2012
Zone 2, Vol. 10, No. 22
PRSRTSTD
U.S.POSTAGE
PAID
PHILAPA191
PERMIT6752
Life&Leisure,LLC
234MainStreet,2ndFloor
LincolnPark,NJ07035-1787
HAVE A HAPPY& BLESSED
THANKSGIVING!
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Note: To have your group's
announcement appear in
Community Happenings,
please e-mail the informationin paragraph format to calen-
Dec 1
Holy Spirit School, located
at 330 Newark Pompton
Turnpike, is having their
Annual Breakfast with Santa
on Sunday, Dec. 2 from
8:30am-1:00pm. Breakfast
will include eggs, sausage,pancakes, French toast, rolls,
fruit, juice, coffee and tea.
There will be photos with
Santa, crafts and games,
Book Fair, Christmas
Boutique, Bounce House and
Bake Sale. The cost is $8.00
for adults, $5.00 for seniors
and children 5-12 and chil-
dren 4 and under are free.
Call the school at 973-835-5680 for reservations or for
more information. You will
also be able to pay at the
door.
Dec 9
Suburban Womans Club of
Pompton Plains Special 25th
Anniversary Holiday House
Tour on Sunday, December 9
from 12-4pm. Cost is $25.00.Includes a complimentary
ticket for a drawing at 4pm
Fireside Gift Shop. $100 Gift
Card for Fireside Furniture,
100 Gift card for Sunset
Pub. Tickets available begin-
ning Nov-ember 1 at Fireside
Furniture, 695 Rte 23 South,
Pompton Plains and the
Pequannock Township
Library, 477 Newark
Pompton Turnpike. ContactGinny at 973-835-4114.
Dec 15 and 16
High Mountain Church of
the Nazarene will hold its
Live Nativity on Saturday,
December 15 at 7pm, and on
Sunday, December 16 at
6:30pm. This outdoor pro-duction features live actors,
music, live animals and audi-
ence participation in the
singing of Christmas carols.
Children and grown-ups of
all ages are invited to attend.
Children may pet the ani-
mals after the show. Hot
chocolate and other refresh-
ments and snacks will be
served indoors after the per-
formance. Admission is free.Please try to bring a canned
or dry good item, which we
will donate to Star of Hope
food pantry in Paterson.
High Mountain Church is
located at 681 High
Mountain Road, North
Haledon. For more informa-
tion or directions call 973-427-2575.
Around theCommunity...
Holy Spirit School, located
at 330 Newark Pompton
Turnpike, is having their
5thAnnual Christmas Tree
Sale. The sale includes a
variety of trees and wreaths.The sale will begin Saturday
Nov 24 thru Sunday, Dec 23,
and hours are Monday thru
Thursdays 6:30-9pm, Fridays,
visit our website at www.lifeandleisurenj.com November 21, 2012Page 2, Zone 2
100% mailed twice a month newspaper234 Main Street, 2nd Floor
Lincoln Park, NJ 07035 973.696.8008
Publisher: Joe Pellegrino Editors: Bethanne Pellegrino & Kenneth Nicholas Assistant Editor & Administrative: Jennifer Pellegrino
Multimedia: Joe Pellegrino, Jr. Art Director: Robin Banta Graphics: Mary Lalama
Sales: Lisa Buniewski, George Papendick, Veronica Pluta Classifie ds: 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 onlyadvertisements 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. 2012 Life & Leisure, LLC. Life & Leisure is a trademarks of Life & Leisure, LLC.
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visit our website at www.lifeandleisurenj.comNovember 21, 2012 Zone 2, Page 3
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Presidential elections
are over! Obamacare is
here to stay! Fiscal
Cliff is on the horizon!
Recession rearing! Inflationlooming! Anemic interest
rates linger! Lousy stock mar-
kets persist! Federal deficit
increasing! Short sales and
foreclosures mounting!
Massive unemployment con-
tinues! Hurricane Sandy
aftermath: no power, no
internet, no TV, no phones,
no heat, no school no gas, no
patience, no paychecks, no
fun, no kiddingwow! This
makes me dizzy.
Hurricane winds, earth-quakes, fallen trees and other
bad news got you down? Feel
like you cant get off this
train or merry-go-round ride?
Do you feel like throwing up?
These last few weeks have
been rather grating on the
nerves. Even without power
or a working cable line for
more than 12 days, the head-
lines listed above keep rever-
berating in my head. Over
the course of Sandy, my
smartphone was my only linkto the outside world. The
Charnet world was temporar-
ily one of Monopoly,
Scrabble, Banana-Grams and
Gin Rummy, which replaced
the normal activities of inter-
active video gaming murder
and mayhem, DVDs and
homework. After a few days
our family got accustomed to
using the bathroom in the
dark, wearing jackets indoors
and spending most of our
time together in one room(the one with the fireplace!).
The smell of gasoline perme-
ated our home, as did the
fumes from the generator.
When my kids pulled up
to the gas pumps, the ques-
tion of cash or credit was
replaced with Fill up your
tank or your gas cans? With
a $40 limit, it was simply one
or the other. And though it
was aggravating and frustrat-
ing waiting for JCP&L and
Optimum to show-up, werealized that we were truly
blessed. With no injuries, no
property loss and a generator
at hand, we were considered
among the fortunate. Those
around us did not possess a
generator, nor did they have a
multitude of licensed chil-
dren to go to the gas pumps
simultaneously to wait three
hours for a drop or two of gas.
As they waited in line, I wentto the hardware store for a 25
foot piece of plastic tubing to
siphon our vehicles if it came
to that. A 100-foot extension
cord from Lowe's cost $89
plus tax and I had to buy two.
When added to the existing
ones, it stretched 1,000 feet
around and through my
home.
In NJ, 33 people per-
ished from the east coaststorm of the century named
Sandy. The Jersey shore was
smashed with property losses
in the billions, but more than
that, irreplaceable mementos,
pictures, collectibles and
heirlooms, furniture and
entire homes were gone,
swallowed up by the Atlantic.
Most of us in the Wayne area
lost a little time, a week or
two without pay, and saw our
blood pressure rise when
waiting on the power compa-
ny as well as the internet
provider. But by comparison
to our brethren south and
east of us, we lost very little.
With our focus off Sandy, we
are ready to refocus on the
headlines once again.Back to the quest of finan-
cial independence:
Maximizing our income
today while simultaneously
preserving, protecting and
perpetuating our wealth for
tomorrow! We can return to
the mission of eliminating,
avoiding and deferring
income taxes in addition to
preparing for the effects of
the fiscal cliff brought onby the elimination of tax
reductions, the increase in
income tax rates and the
addition of the Obamacare
tax levies, along with the
mandatory cuts in entitle-
ment and military spending.
Some experts predict increas-
es in unemployment, decreas-
es in stock prices, reductions
visit our website at www.lifeandleisurenj.com November 21, 2012Page 4, Zone 2
Dr. Harry A. Long
973-685-6984 330 Ratzer Road Wayne, NJ 07470smilemakeoverwaynenj.com
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We offerconvenient,
affordablepayment plans
Call for acomplimentary
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Teeth WhiteningConscious
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*(if you qualify)
YOU CAN HAVE WHITER, STRAIGHTER TEETH FOR AS LITTLE AS $49 PER MONTH*
Margaret (Peggy) TanaEd.M, MAT, LPC, LCADC
Licensed Professional CounselorLicensed Clinical Alcohol and
Drug CounselorNJ 37PC00302700, NJ 37LC00078800
Counseling for individuals
and couples using a holistic,
person-centered approach.
Experienced with abuse, trauma,
cultural, and spiritual issues.
Trained in EMDR.
170 Kinnelon RoadKinnelon, NJ 07405
www.margaret-tana.com
973-838-7265
AnxietyAddiction
Depression
When can I get off this merry-go-round? By Mark Charnet
continued on page 6
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visit our website at www.lifeandleisurenj.comNovember 21, 2012 Zone 2, Page 5
FREEHurricaneEstimates
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in credit availability and
more volatility in both the
domestic and foreign stock
markets. As we have all wit-
nessed firsthand, regardless of
a hurricane or portfolio plan-
ning, the seven P's prevail:
Proper Prior Planning
Prevents Poor Performance
Period! Like the necessity of
an electric generator, a prop-
erly structured portfolio
requires a lifetime income
generator. Come learn how
to apply the seven Ps to your
financial life and portfolio
with no charge! Call me for ano-obligation consultation
right now, 24 hours a day.
Mark E. Charnet is president and
founder of American Prosperity
Group. APG is the premier re-
tirement and estate planning fran-
chise in the U.S. with 18 offices
in 10 states. Charnet is a certified
annuity specialist and has over 30
years of experience in the retire-
ment and estate planning fields.Creator of the Trinity Method of
Investing, Charnet encourages
your inquiries and can be reached
at 877-885-1APG (1274) or
973-831-4424, or via e-mail at
Check out the website:
www.1apg.com. Interested in a
career in retirement and estate
planning? Check out this website:
www.apgfranchise.com. Securi-
ties through BCG Securities, Inc.member SIPC,
FINRA, and a registered
investment advisor.
T
he tooth contains the
pulp (nerve) in the
center, which is madeup of nerves and blood ves-
sels. It provides feeling, as
well as new cells that repair
the tooth. Diseases of this
area are hidden inside the
tooth, diagnosed by symp-
toms, special tests, and X-
rays. Injury to the pulp can
cause pulpitis, which causes
sensitivity to different
degrees.
Injury to the dental pulpcauses changes that build up
over time and destroy the
nerve. Most of the time it is
caused by deep tooth decay
(bacteria), deep fillings,
cracked teeth, broken fill-
ings, or trauma. If it is a mild
injury, inflammation will
occur and many times the
pulp will repair itself. The
tooth will be sensitive to hot
and cold things, but thisshould go away in a short
period of time. If a long-
standing injury is left with-
out treatment, the tooths
pulp will die. Sometimes the
pulp dies without any symp-toms and may only be detect-
ed if the tooth breaks, turns
dark, or shows up on an X-
ray.
Reversible pulpitis is
mild inflammation and is
capable of healing when
treated by a dentist.
Symptoms and signs include:
1. Sensitivity to cold, sweets,
and sometimes heat
2. Pain stops in a few seconds3. Pain is short and sharp but
doesnt occur by itself
4. Pain caused by extreme
temperatures, not mild ones
Irreversible pulpitis is not
capable of healing; the
tooths pulp dies and infec-
tion soon follows. Symptoms
include:
1. Lingering pain from hot or
cold2. Initial sharp pain to cold
or hot
3. Pain from mild tempera-
tures
4. A dull ache or throbbing
pain
5. Spontaneous pain that
wakes you up at night or
when you lie down
6. Swollen face
Part 4 of this series will
conclude with diagnosis and
treatment.
Dr. Brusco is a 1980 graduate
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 reachhim by calling 973-838-5862
or visiting him on the web at
www.drbrusco.com.
Tooth Sensitivty,Part 3 By Peter Brusco D.M.D.
visit our website at www.lifeandleisurenj.com November 21, 2012Page 6, Zone 2
When can I get off this merry-go-round?
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visit our website at www.lifeandleisurenj.comNovember 21, 2012 Zone 2, Page 7
NEWPATIENTSPECIAL
Friendly, Caring Atmosphere
Gentle, Experienced HygienistsCosmetic Dentistry TMJ
Bonding & Veneers Root Canals
Teeth Whitening Oral Surgery
Mini Dental Implants
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DR. PETER BRUSCOServing the community for over 30 years
170 Kinnelon Rd, Suite 29A Kinnelonwww.drbrusco.comCall now for an appointment 973-838-5862
Exam,DigitalX-Rays,andCleaning
$120.00(Regularly$266) Expire
s 12-31-12.
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Dr.PeterBrusco,D.M.D.973-838-5862
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Tax planning may
seem too difficult in
the current political
and economic environment.
But reviewing your tax situa-
tion before the end of2012
will position you to act quick-
ly when the timing is right.
Some rules that applied
when you prepared your 2011
federal income tax return
have expired, others are
expected to expire at the end
of this year and new provi-
sions are slated to begin in
2013. Here are a few tax
strategies to consider as year-
end 2012 approaches.
Review options for acceler-
ating income
The idea of paying feder-
al and state income tax early
may make you wince, but
having a plan in place in case
paying now results in saving
later is still a good idea. One
reason: Some methods of
pulling income from 2013
into 2012 require time
time you may not have if you
wait until the last minute.
For instance, say a viable
tax planning strategy
involves taking a payroll
bonus from your business at
year-end. You might choose
to do this to take advantage
of the current reduced rate of
4.2 percent for the employee
portion of social security tax,
which expires on December
31, 2012. Perhaps your goal is
to lower the amount of your
2013 income that will be sub-
ject to either the 3.8 percent
or 0.9 percent Medicare sur-
taxes taking effect next year.
Or maybe you want addition-
al earned income so you can
increase your retirement plan
contribution.
Timing matters if youre
thinking of another tax plan-
ning move: distributing a div-
idend from your corporation
this year, while the maximumtax rate for qualified divi-
dends is 15 percent.
Retirement accounts
also offer opportunities for
accelerating income into
2012. If you turned 70 this
year and you expect to be
subject to higher taxes in
2013, it may make sense to
take your initial required
minimum distribution by
December 31 instead of wait-
ing until next April.
Remember, too, that you
can withdraw funds without
penalty from traditional IRAs
beginning at age 59-1/2. In
some cases, penalty excep-
tions apply when youre
under age 59-1/2.
Converting your tradi-
tional IRA to a Roth also
increases income in 2012.
You can put this strategy in
place now, because it comes
with an added benefit: you
can change your mind later,
Tax-cutting time is ticking away By Robert Sokoloff, CPA
visit our website at www.lifeandleisurenj.com November 21, 2012Page 8, Zone 2
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continued on page 22
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B
eYoga, a custom-
designed yoga studio
located in Spa 23 in
Pompton Plains, is celebrating
its opening by offering 15 free
days of unlimited yoga classes.
Then, for a limited time only,
you may join for the special
price of $59 a month. (The
regular price is $69.) Best of all,
there is no commitment.
The studio offers both hot
and non-heated classes. There
are restorative and hatha class-
es for those who desire a gentle
meditative practice, and
vinyasa flow, where the room is
heated to 85 degrees. Also
offered is Hot Be26, where the
room is heated to 105 degrees.
Be26 takes you through 26
hatha poses and is accessible to
all levels of practice.
BeYoga was created to
provide yoga to all people in
our community. The philoso-
phy of BeYoga is that anyone
can practice yoga, and every-
one deserves to be yoga to
find harmony and peace of
mind, to breathe, stretch and
open up, and to create space in
the body and mind.
For more information,
please contact BeYoga at Spa
23 by calling 973-839-8823, or
stop by to try a class or take a
tour.
visit our website at www.lifeandleisurenj.comNovember 21, 2012 Zone 2, Page 9
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'#'!&'$An AlternativeHealthcare
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973-616-455518 Newark Pompton Tpke., Riverdale
www.AdvancedSportMed.com
)#$!&!#"($"!(##$"
&"(!%%
BeYoga opens at Spa 23Features Hot Yoga
Community Happenings
6:30-10pm, Saturdays 8am-
10pm and Sundays 7:30am-
9pm. All proceeds benefit
the students at Holy Spirit
School. For more informa-
tion or if you have any ques-
tions, please call the school
office at 973-835-5680.
The Montville Township
Womens Club has an ongo-
ing project: comfort pillows
for breast cancer patients. So
far, weve made and donated
6,580 pillows to Morristown
Memorial, Chilton Memorial
in Pompton Plains, and Saint
Clare's in Denville and
Dover. A team of club mem-
bers, seniors, and volunteers
from surrounding cities par-
ticipates in this worthy proj-
ect. Even heart surgery
patients have found use for
these comfort pillows, which
are completely washable and
may be used under the
seatbelt after surgery.
Chairperson Alexandria
Sarra can be reached at 973-
405-0088. All monetary
donations, used to purchase
polyfill for the pillows,
should be made payable to
MTWC and should indicate
Comfort Pillow in the
memo. Please mail checks to
HIGHEST PRICES
PAID ON THE SPOTParagon Jewelers
Record High Gold Prices
Sell The Gold JewelryYou No Longer Wear
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
Gold Now $1,725 oz.
WE ALSO BUY DIAMONDS,
STERLING SILVER & COINS.
continued from page 2
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Over the past few
years, how many
times have you heard
or asked that question? In
Northern New Jersey, its
starting to become as com-
mon as Hello! People who
come into my store are always
asking me about backup
power solutions. After the
severe power outages that we
have suffered through last
year with the blizzards, floods
and hurricanes, the question
has been How do we keep
our power on?
Up until last week, I was
dismissing last year as an
anomaly. Well, the anomaly
is becoming a pattern. While
not a gambler, I do know and
believe a rule of gambling: If
something happens twice, its
a streak. Well, here we are
after the second straight year
of prolonged power outages. I
dont know whats causing
weather changes, but I do
know something has
increased the severity of our
weather. More multiple-day
outages are to be expected.
There are two practical
solutions. Both include gain-
ing independence from the
utilities, thus reducing our
dependence on them as a
reliable power source. The
first solution is to install a
standby power generator.
Running off natural gas or
propane, this solution can
satisfy at least your most crit-
ical requirements for power.
In most cases of severe
weather, a generator allows
families to continue to go
about their daily routines of
showering, cooking, heating,
cooling and maintaining
communications with the
rest of the world. They do
have a downside. An endless
supply of gas is not guaran-
teed. As we recently saw, nat-
ural gas companies were
forced in many locations to
cut their supplies off due to
danger of explosion. In these
areas, the standby generators
did no good until supply lines
were brought back online.
Portable generators help also,
but you need gasoline, which,
as weve seen, was not easy to
come by.
The second solution is
the ideal solution. Installing
a solar system with a backup
power supply can reduce your
dependence on your utility.
This technology is now an
affordable alternative. The
way it works is simple: A grid-
tied solar system on your
homes roof or in your yard
generates power during the
What's the best answer to Did you get power back yet?By Tom Ferraro, President, Solar & More
visit our website at www.lifeandleisurenj.com November 21, 2012Page 10, Zone 2
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Has your child been diagnosed with...
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continued on next page
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day. The power first charges a
set of batteries until fully
charged, then provides elec-
tricity to offset the usage in
your home. Any excess elec-
tricity generated is sent back
into the grid. Through net
metering, you are paid nor-
mal retail rates for this elec-
tricity by your utility.
When utility power is
shut down due to an event
such as Hurricane Sandy or
Katrina, or a major blizzard or
earthquake, switches are acti-
vated that redirect your
power source completely to
solar and battery backup. As
long as we have daylight,
youll have power. If the sun
should stop shinning, it wont
matter anyway, as power
wont be our biggest concern!
Your homes usage dic-
tates how big of a solar system
youll need. The size of your
backup battery system is
dependent on how long youll
want that usage to continue.
Sizing your system is key to
providing the proper power
levels. These backup systems
can even be installed on
homes with existing solar sys-
tems.
The one obstacle to
solar: not every home is solar
worthy. In that case,
a standby generator is
the best solution. But,
if you are solar wor-
thy, installing solar
with a battery backup
system is your best bet
to protecting your
home and family.
So, whats the best
reply to Did you get
power back yet?
Well, homeowners
with the solutions
above can answer I
never lost it!
Tom Ferraro is the owner
of the Solar & More Store, a
retail showroom located at
598 Route 23 in Pompton
Plains. Solar & More sells and
installs solar, geothermal and
other renewable energy sys-
tems, as well as energy-effi-
ciency products and backup
systems. Visit its website at
www.solarnmorestore.com.
visit our website at www.lifeandleisurenj.comNovember 21, 2012 Zone 2, Page 11
Have a Happy & Blessed Thanksgiving!What's the best answer to Did you get power back yet?
continued from previous page
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Theres another great
debate about the
feline as a pet besides
the declawing issue. This
great debate concerns allow-
ing the feline to roam out-
doors versus living indoors.
Should you allow your cat to
roam outdoors? Lets find out.
Outdoor Felines
Cats are essentially wild
creatures, and they have
always loved the outdoors.
What feline owner hasnt
watched his cat loll in a
patch of sunshine on a winter
day, or roll contentedly in
the dirt in its own backyard?
Cats do love the sunshine,
the outdoors, and the fresh
air. However, outdoor cats
are susceptible to more dis-
eases, more injuries, and
more health problems.
Outdoor cats may tussle
with other cats, catch para-
sites or other diseases, or be
hit by a car or caught by
other predators. They can
also be poisoned by pesti-
cides, antifreeze left unat-
tended, or other toxins. They
can cause problems with
neighbors by using their
yards as a cat box. Outdoor
cats simply arent as safe as
indoor cats.
Indoor Felines
Indoor cats live longer,
healthier lives. Studies prove
it and common sense dictates
it. Indoor cats have many
advantages outdoor cats cant
hope to have. Outdoor cats
live on an average of 3 to 5
years, while indoor cats live
an average of 12 years or
more. My last indoor cats
lived to be 19 and nearly 21.
Indoor cats enjoy safety
and comfort. They are safe
from diseases that feral cats
may carry and outdoor cats
pick up. They are safe from
cat fights, cars, and preda-
tors. And, indoor cats wont
harm other wildlife, such as
birds and small animals.
Alternatives
There are many alterna-
tives to the outdoor lifestyle.
When kittens first come
home, they should be kept
indoors. If your cats miss
their outdoor excursions, you
might try to
train them to
wear a harness
and walk on a
leash. They will
still be able to
enjoy the out-
doors, but much
more safely.
Another alter-
native is to create a safe
outdoor area or run
where the cats can go
outside but cannot
escape the area. There are
many outdoor runs available
now that connect to a cat
door and allow the cat access
to a run on a patio or in a
backyard.
You can also allow the
cat outdoors on a patio or
deck when you are outdoors,
and only for a short time. Or,
you can use a carrier to take
your kitty for walks in the
sunshine.
Keeping kitty indoors
will keep it healthy, happy,
and free of infectious diseases
it might catch outside. Each
pet owner is responsible for
his own pets health and
well-being. Keeping kitty
inside is the choice that
makes sense.
Article courtesy of pet-
articles.blogspot.com.
Brought to you by
Dr. Matthew Krupnick, owner
of the Pequannock Animal
Hospital. He grew up in Kin-
nelon 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.
Indoor vs. outdoor cats
visit our website at www.lifeandleisurenj.com November 21, 2012Page 12, Zone 2
WHERE YOUR
PET IS FAMILY
Dr. Matthew Krupnick, D.V.M.
Full Service Animal
Hospital, Specializing
in Cats & Dogs
Complete Medical,Dental & Surgical
Services On Premises
Caring & Competent Staff
591 Newark Pompton Tpke.
(near Friendly's)
Pompton Plains, NJ
973.616.0400
Hours: Mon 8-6pm Tues 8-4pm
Wed 8-7pm Thurs 8-6pm
Fri 8-5pm Sat 8-12pm
FREE ExamNEW CLIENTS ONLY.
Limit 1 per pet.
Not combinable w/other offers. Expires 12/5/12
15% OFFExam Fee
ONE TIME ONLY. Limit 1 per pet.Not combinable w/other offers. Expires 12/5/12
OpenSaturdays
www.PequannockVet.com
Partials Repairs ExtractionsTooth Whitening
Nitros Oxide Sedation Gum Treatment Dentures Implants
Most Insurance Accepted
LINCOLN COMMONSDENTAL ASSOCIATES
Mark De Fonte, DMD
59 Beaverbrook Rd., Suite 301, Lincoln Park, NJ973-686-0060
NEW PATIENT (No Insurance) SPECIALExam, Prophy & Xray $115
Latest Cosmetic Techniques Crowns & Bridges Root Canals
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13/28
P.O. Box 267, Montville, NJ
07045.
Lincoln Park resident par-
ents of children turning three
to 21 years old (including
students attending non-pub-
lic schools, and homeless and
migrant children who reside
in Lincoln Park): the public
schools offer remedial pro-
grams for eligible children. If
your child is experiencing
physical, sensory, emotional,
communication, cognitive,
or social difficulties, help is
available. Contact Mrs.
Grace Marinello, supervisor
of special services, at 973-
696-9150 to arrange a meet-
ing with members of theW
hy do I need a
public adjuster?
Many people
assume that the adjuster
assigned to them from their
insurance company is their
adjuster. This is a common
misconception of both home-
owners and businesses. The
truth of the matter is that the
adjuster from the aforemen-
tioned insurance company
works solely for that insurance
company. Their job is to save
their employer as much
money as possible. Hiring a
public adjuster will help you
get the most out of your own
insurance policy.
Bruce Berliner is a
licensed bonded public
adjuster in the State of New
Jersey who has been working
in the insurance industry for
over thirty years. As a profes-
sional adjuster handling your
claim, you can expect Bruce
to take care of the following:
Setting up of appointments
and negotiating with the
insurance companys adjuster.
Complete analytical review
of your insurance policy
(flood, homeowners, etc.).
Inspection of your property
to examine the scope of your
damage.
Acquisition of emergency
funds.
Both temporary lodging
(hotel) and food expenses for
you and your family while
your claim is being settled (if
your claim is under a home-
owners policy).
Assurance that your settle-
ment will be sufficient to
restore your home or business.
and many more benefits.
Going through such a
time as this, it is understood
how overwhelming dealing
with an insurance claim can
be, especially when you want
to get the most out of your
claim. Bruce Berliner exhibits
his dedication for each of his
clients, making them feel as if
they were his only client.
If you are interested in
contacting Bruce Berliner
concerning your insurance
claim, he can be reached at
201-674-2593.
visit our website at www.lifeandleisurenj.comNovember 21, 2012 Zone 2, Page 13
The Family Jeweler
589 Newark Pompton Tpke Pompton Plains973-513-9155 Mon - Sat 10-6
Fine Jewelry - Diamonds - GemstonesRe-Set/Re-Design
Watch & Jewelry Repair Done on the Premises
FREEWATCH BATTERY
When you sell any amount of gold.
Is there hope and help for flood victims?The answer is YES with a public adjuster
Community Happeningscontinued from page 9
continued on page 14
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child study team. If eligible,
an educational program will
be provided at no charge.
Mothers & More is a not-
for-profit group for both stay-
at-home and working moms.
It features monthly meetings,
playgroups, mom-and-tot
outings, mom-night-outs, and
much more. Members are
from Wayne and all surround-
ing towns. Monthly meetings
are on the first Monday of
each month (unless a holi-
day) at 7:30p.m. at Our
Savior Lutheran Church, 670
Newark Pompton Tpke. in
Pompton Plains. Prospective
members are always wel-
comed. For more informa-
tion, call 877-221-1581 or e-
mail [email protected].
Toastmasters provide a sup-
portive environment to
improve public speaking and
leadership skills. We meet the
first Wednesday of each
month at Hollywood
Restaurant & Pizzeria, 376
Fairfield Road in Fairfield
from 7-9pm Guests are wel-
comed. For more informa-
tion, visit www.diningtos-
peak.com.
The Montville Senior
Citizens Club is open to all
Montville Township resi-
dents aged 55 and older. The
club meets every first and
third Friday of the month at
the Montville Senior House,
next to the police station on
Route 202 South. We serve
coffee and cake at noon
before the meeting at 1pm.
New members and guests are
always welcomed. For infor-
mation, call Celia at 973-
227-4591.
Passaic Valley Hospice, a
non-profit organization, is in
need of volunteers for various
duties. Volunteers are an
integral part of the profes-
sional hospice team that pro-
vides physical, emotional,
and spiritual support to the
terminally ill. Volunteers
work directly with patients
and families, providing
respite for caregivers, com-
panionship for patients and
families, and errand-runs.
Weekday volunteers are espe-
cially needed. For additional
information, call 973-785-
7329. Reach out give the
gift of self!
visit our website at www.lifeandleisurenj.com November 21, 2012Page 14, Zone 2
Community Happenings
continued from page 13We wish you a Blessed and
"
!
!
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visit our website at www.lifeandleisurenj.comNovember 21, 2012 Zone 2, Page 15
b lif dl i j N b 21 2012P 16 Z 2
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visit our website at www.lifeandleisurenj.com November 21, 2012Page 16, Zone 2
With the economy
still struggling,
money is tight for
many homeowners. That reali-
ty can present a problem to
those who want to improve
their homes without spending
too much money.
The cost of a home
improvement project
depends on a host of factors,
including the scale of the
project and the availability of
materials. Upscale projects
like a full roof replacement
will set homeowners back a
substantial amount of money.
In its 2011-2012 Cost vs.
Value Report, Remodeling
magazine revealed that the
average cost of such a project
was nearly $38,000.
However, a smaller project
like a garage door replace-
ment could be completed for
fewer than $3,000.
When deciding if a home
improvement project is within
your budget, its a good idea to
consult such figures before
choosing a project. For exam-
ple, if your home is a fixer-
upper, then one project may
not be more urgent than
another, something that may
allow you to choose less expen-
sive projects now while saving
money for more expensive
projects down the road.
Its also important for
homeowners to know that fig-
ures such as those in the Cost
vs. Value Report are just aver-
ages. Some projects might cost
more than the average, while
others might come in well
under budget. To ensure your
project is one of the latter and
not the former, consider the
following ways to trim
costs off your next home
improvement project.
Avoid the DIY (do it
yourself) movement if
you dont have adequate
experience. Many home-
owners fall into the DIY
trap, feeling they can
pull off a project without
hiring a professional con-
tractor. While this is an
option for those home-
owners with home
improvement experi-
ence, its an approach
thats best avoided by those
without such experience.
Homeowners who decide to go
it alone on a home improve-
ment project should know that
mistakes are costly. One mis-
take could have you paying for
the same materials twice: once
when you begin the project,
and then again when you need
to hire a contractor after your
How to save on home improvement projects
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continued on page 18
i it b it t lif dl i jNovember 21 2012 Zone 2 Page 17
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visit our website at www.lifeandleisurenj.comNovember 21, 2012 Zone 2, Page 17
Transforming Lives By Transforming Living Spaces...Its What We Do
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A Tradit ion of Delivering Value For Over 15 Years
Free Estimates Fully Insured References Available
973-696-0333www.advantagecontracting.com
License# 13VH00011000
visit our website at www lifeandleisurenj com November 21, 2012Page 18, Zone 2
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efforts didnt work out. A failed
DIY project also costs you time,something homeowners hoping
to sell their homes post-project
cannot afford to waste.
Hire the right contractor.
The best contractor for the job
wont necessarily be the one
who comes in with the lowest
estimate. The right contractor
will know how long a project
will take and what the materi-
als will cost. The wrong con-
tractor, who might lack the
experience of his competitors,
might make empty promises
that ultimately cost you moremoney via overrun costs. Find
a contractor who comes highly
recommended and is willing to
provide references and show
you his or her past projects like
the one youre hiring him or
her to undertake. If you hire
the wrong contractor, the proj-
ect may never be completed
and you may find yourself in
court, where the money you
had budgeted for home
improvements is being spent
on lawyers instead.
Consider supplying your ownmaterials. If you diligently
research your project, you
should be able to buy the mate-
rials yourself, even if you plan
on hiring a contractor to do
the work. Some contractors
mark up the materials as a
means of padding the bill. If
you research the project and
learn about the materials you
want to use, you can save a
substantial amount of money
buying those materials yourself
and then hiring a contractor.
Dont overlook recycledmaterials. Buying recycled
materials is another way to
reduce home improvement
costs. Bathroom fixtures,
doors, flooring, and lighting
are just a few of the materials
that are commonly recycled
and resold at a fraction of the
cost of new materials. Shop
around for stores in your area
or peruse the Internet for recy-
cled materials. Homeowners
undertaking a replacement
project rather than a remodel
might even be eligible for taxbreaks if they donate their old
materials.
Choose projects that provide
more bang for your buck.
Another way to save is to
choose projects that provide a
strong return on your invest-
ment. The Cost vs. Value
Report compares the cost of
popular remodeling projects
with the value those projects
retain at resale. If money is a
motivating factor behind your
project, choose a project that
will get you the most moneyback at resale.
While the economy has
not necessarily been kind to
the home improvement indus-
try, there are still plenty of
homeowners looking to
improve their homes. Savvy
homeowners can do just that
and save some money along
the way by putting a few strate-
gies to work for them.
visit our website at www.lifeandleisurenj.com November 21, 2012Page 18, Zone 2
www.carlsonbrothers.com
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How to save on home improvement projects
continued from page 16
visit our website at www.lifeandleisurenj.comNovember 21, 2012 Zone 2, Page 19
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Though ceiling fansare mostly associated
with warm-weather
seasons, most can be effec-
tive throughout the winter
months as well, helping cir-
culate warm air throughout a
room in much the same way
they circulate cool air during
the warmer weather. Most of
today's fans have a switch
near the motor housing that
alters the direction in whichthe fan's blades turn. When a
ceiling fan is used in the sum-mer, its blades push the air
downward, moving cool air
around the room. The air
blowing around the room is
what cools people within the
room. When the blades'
direction is altered, the
blades then push the air
upward toward the ceiling.
This drives the hot air, which
typically rises to the top,
down toward the edges of theroom. This helps circulate
warm air throughout a room,making for more even heat-
ing. Whats more, this
improved heat circulation
helps combat window sweat-
ing that results from conden-
sation on the glass when hot
air is not effectively circulat-
ed throughout a home.
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Did you know?
Happy Thanksgiving!
visit our website at www.lifeandleisurenj.com November 21, 2012Page 20, Zone 2
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With all of the
recent devastationand stress inflicted
on us from Hurricane Sandy
and Superstorm Athena, this
years Thanksgiving might
seem like another burden
around the corner. It seems
like we just got back to normal
and now Thanksgiving is onlya week away; time for some
holiday stress. Wayne
Chateau, located on Hamburg
Turnpike in Wayne, provides
an alternative to the hectic
preparation for the imminent
feast. Instead of fighting for
the last turkey in the super-market and slaving away all
day in the kitchen, celebrate
Thanksgiving at Wayne
Chateau at their Thanksgiving
Day Buffet. Everything you
could possibly want for a
Thanksgiving feast will be
served. Turkey, mashed pota-toes, cranberry sauce, stuffing,
vegetables, and pies are just
some of the menu items that
will be included in the all-you-
can-eat buffet.
Wayne Chateau is a fam-
ily owned restaurant that pro-
vides excellent and friendly
service. You will practically
feel like you are at home cele-
brating Thanksgiving with
your own family.Aside from the
Thanksgiving Day buffet, the
menu ranges over many differ-
ent food styles such as
Americana, Chinese, Italian,
Sushi, and Fish. The dinner
menu also includes filet
mignon and lobster; some of
the most popular menu items.
The buffet also offers many
entre and side items so that
there is something for every-one.
I found the atmosphere of
Wayne Chateau to be reminis-
cent of a Vegas style buffet.
The restaurant was open and
classy, with a bright and com-
v s t ou webs te at j
CASH ONLY. Cannot combine with any other offers. Excludes tax.Expires 12/5/12.*
BUY 2 $50GIFT
CERTIFICATES
With
MinimumFood
Purchase
of $35.00
$10Off
Not to be combined with$5.99 or $10.99 coupons.
*
HOLIDAY SPECIAL
710 NEWARK POMPTON TURNPIKE , POMPTON PLAINS973-835-1426 www.gillysrestaurant.com
MONDAY-SATURDAY
Cannot combine with any other offers.Coupon must be presented before ordering.Maximum 1 coupon per table. Not valid forparties of 8 or more. NOT VALID ON HOLIDAYS.Excludes tax. Expires 12/5/12.
* $7999
HAPPY HOUR (3pm to 6pm Monday - Saturday) at Bar Only$3 House Wine - $3 All Beer - $4 House Martinis & Drinks
1/2 PRICE APPETIZERS (4:30pm to 9:30pm Monday - Thursday)
MONDAY - THURSDAYALL DAY SPECIAL
$1099Shrimp, Veal, or Chicken Parmigiana w/Pasta,Meat Loaf w/Mashed Potatoes,Shrimp, Chicken or Sole Francaise w/Vegetables,1/2 Rack BBQ Ribs w/French Fries
*** with Soup or Salad ***With the purchase
of a beverage.Cannot combine with any other offers. Coupon must be presented before ordering.Maximum 2 coupons per table. Not valid for parties of 8 or more. NOT VALID ON HOLIDAYS
Excludes tax. Expires 12/5/12.LIMITED TIME OFFER.
*
WE ACCEPT ALL COMPETITORS COUPONS!!**RESTRICTIONS APPLY.
RESTAURANT
With the purchase of a beverage.
for
Any Chicken or Veal Entre(Parm., Francese, Marsala, Lemon, Alla Cosmo)
Any Pasta Entre of (Penne Vodka, Penne Tartufo, Rigatoni Bolognese,
Stuffed Shells, Linguini White or Red Clam Sauce)
Any Fish Entre of (Shrimp Parm., Shrimp Scampi over rice,Mussels - White or Red Sauce, Flounder Francese
Any Entre of (Eggplant Rollatini, Meatballs, Sausage & Peppers,Roast Beef and Gravy, Beef Stew with Egg Noodles)
Free ItemsAntipasto or Caesar Salad w/Bread & Butter
Fried Calamari or Seafood SaladTray of Cookies & Paper Products
HappyHolidays
from Carmine
& Michele
Expires January 31, 2013
PAY CASH OR CHECK & RECEIVE A FREE$30 GIFT CERTIFICATE TO COSMO BELLA PIZZA
Not to be used for this offer. Excludes catering. Dine-in or Take-out only.
Call ahead for your officeor home party!
20 people or more$13.95 per person plus tax.
Party for 15 People $215 Plus TaxParty for 20 People $275 Plus Tax
Includes 4 entres plus all the free items
!#$"!"
Celebrate Thanksgiving at the Wayne Chateau
continued on next page
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fortable atmosphere. The serv-ice definitely enhanced my
dining experience as everyone
was super friendly and atten-
tive as I enjoyed my meal. It
was definitely a treat to enjoy
cooked to order steaks and
probably the best buffet sushi I
have ever had.
So if youre not sure what
to do this Thanksgiving, head
on over to Wayne Chateau
where you will enjoy a wonder-ful Thanksgiving Buffet free of
all the typical holiday stress.
Reservations are recommend-
ed for larger parties. Enjoy a
relaxing time with family and
friends with a delicious buffet
and excellent service that is
sure to please.
Wayne Chateau is locat-
ed at 862 Hamburg Turnpike.
Visit us at waynechateaubuf-
fet.com or call 973-694-1864.Private parties available.
j
of course!Fresh seafood, the finest quality meats, seasonal ingredients and a chef
who ensures every course is prepared to perfection. Thats our recipe for success.
WE WILL BE OPENFOR PRIVATE PARTIES ON
MONDAYS & TUESDAYSvisit us on facebook
www.linasristorante.com
49 MAIN STREET | BLOOMINGDALE
973.492.2211 | 1.888.522.Lina (5462) | www.LinasRistorante.comJust off Routes 23 & 287 Open Wed, Thurs & Sun 12pm-11pm Fri & Sat 12pm-12am
Restaurant & Fine Catering
Catering For All Occasions,
On & Off Site
Gift Certificates Available
Daily Lunch Buffet & Full Menu
with Specials
Take-Out Full Bar
ATouchOfItalyInBloo
mingdale
A Warm, Elegant & Engaging Atmosphere
CUSTOMERAPPRECIATIONNIGHTEvery Wednesday & Friday
4PM-11PM
50% OffEntire Check18% Gratuity added to total bill.
Not valid with any other offers.
LinasA Touch Of Italy In Bloomingdale
Since 1983
Book EarlyFor Your Special
Occasion orHoliday Party!
CASHONLY
ENTIREBILLOnYourFirstOnlineOrder
20%Off
Celebrate atthe Wayne Chateaucontinued from previous page
We wish you a Blessed and
visit our website at www.lifeandleisurenj.com November 21, 2012Page 22, Zone 2
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even after the beginning of
the year.Roth conversions pro-
vide future-year tax breaks,
too. Unlike traditional IRAs,
withdrawals from Roth
accounts are not mandatory.
When you do choose to take
them, they are not subject to
the new 3.8 percent Medicare
surtax, nor are they included
in figuring the taxable
amount of your social security
benefits.
Regular income taxplanning is only one factor in
the decision to increase cur-
rent-year income.
The alternative minimum tax
(AMT) is another. The last
annual AMT "patch" expired
at the end of 2011 and youll
want to understand your
exposure based on current
rules.
Dont overlook less obvious
income
At this point in 2012,you have a fairly complete
picture of your income for the
year from sources such as
salary, retirement plan distri-
butions, and dividends. The
total of those, combined with
other predictable income
items, provides a good start-
ing point for tax planning
one youll want to augment
by thinking about less obvi-
ous additions to income.
An example is taxablecapital gains distributed by
mutual funds. These differ
from the gain you recognize
when you sell mutual fund
shares you own. Capital gain
distributions from funds
occur when a fund manager
makes a profit selling invest-
ments the fund owns. Those
gains are passed to sharehold-
ers, and you generally have
no control over the timing.
The distributed gains are tax-able even if you reinvest
them in additional shares,
and in some cases can impact
the AMT computation.
Check with your mutual fund
provider before assuming
youve captured all your
income for 2012.
Another potential item
thats easy to overlook: a
2010 Roth conversion. If you
opted to spread the tax over
two years, youll need toinclude the second half on
your 2012 federal income tax
return.
That will increase your
income, which in turn can
affect your marginal tax
bracket, taxable social securi-
ty benefits and how much of
your rental real estate activi-
KINNELON $229,995Kinnelon Heights-55+Community - 2BRS2BTHS/ EIK w/Mtn views/W/D in Unit/1C DetGar. KIN5987
Kinnelon/Smoke Rise 973-838-9300
NORTH HALEDON $875,000Live in true Luxury!Unparalled combination ofaesthetic appeal, exquisite finishings & er-gonomic design. KIN3347
Kinnelon/Smoke Rise 973-838-9300
OAKLAND $620,000Ramapo Reserve 3BR 3.5Bth young Col w/2-story foyer, Kit w/Maple cab, FamRm w/fpl,MBR/soaking tub/stall shower. 2 GAR.WYN0457
Wayne 973-694-8000
JEFFERSON TWP $489,0004BR 3.2BA Col. completely renovated/newBTHS/wood Flrs/newer Kit/no att. to detail leftout. A must see. KIN5992
Kinnelon/Smoke Rise 973-838-9300
POMPTON PLAINS $555,000The jewel you have been waiting for has arrived!A well appointed 4BR 2.5BA home that will trulysurprise you. KIN1346Kinnelon/Smoke Rise 973-838-9300
HALEDON $228,900Beautiful 2BR 2Bth 4yr young condo on top flof elev bldg. Contemp feel w/Cherry fls, Gran-ite, top of line appl + MORE! WYN0644
Wayne 973-694-8000
WAYNE $327,900Comfortable affordable 4BR Lionshead Lk homew/2 updtd Bths,Wdws,Siding, Big Country Kit/SSappl, fin bsmt. Great Value! WYN0569
Wayne 973-694-8000
WAYNE $698,000Lovely 5BR 4Bth Waterview Estates Colw/newer Kit & updtd Bths, fin LL-walkout in-law ste, 2GAR. Conv to everything! WYN0685
Wayne 973-694-8000
WAYNE $1,099,000Spectacular LAKEFRONT 6BR 5.5Bth Customin Pines Lk. Nearly every room w/views, IGpool. WYN0868
Wayne 973-694-8000
WAYNE $674,888Point View 5BR 3Bth Custom Col on cul-de-sac w/Brazilian HWs, FamRm w/Mbl fpl, EuroKit/Granite, huge MBR/MBth, 41' Deck +MORE! WYN0172
Wayne 973-694-8000
WAYNE $379,000Lovely updated & expanded 4BR 2Bth Cape inPackanack Lk w/EIK, HW fls, fplc & gar. Nearschools, shops & transp. WYN0354
Wayne 973-694-8000
KINNELON $600,000Smoke Rise-Charming 5BR/3.1BA Dutch Col.w/main level In-Law Suite/3C.Gar./C/A/lge.level/fenced yd. KIN1973
Kinnelon/Smoke Rise 973-838-8400
KINNELON $647,000Smoke Rise-Fab 8Rm 3/4BR/3.1BA Ranch com-pletely renovated 2003 w/quality materials/openlayout. KIN1955
Kinnelon/Smoke Rise 973-838-8400
KINNELON $614,900Fayson Lks.-5BR 3BA Lkfront w/spect.viewsfrom almost every Rm., fin. W/O LL/perfect In-Law suite. KIN5060
Kinnelon/Smoke Rise 973-838-9300
LINCOLN PARK $314,999Open plan 4BR 2.5Bth BiLevel w/cath ceil,Skylites, Wood fls, 50'Deck, priv yd + nwr roof,furnace, CA,Elec.Near town & trans. WYN0806
Wayne 973-694-8000
BLOOMINGDALE $329,900Beautiful young 3BR 2.5Bth BiLevel w/LR/vaultceil,ovrszd DR & Kit, MBR w/full Bth wi clst,FamRm/gas fpl+2GAR. WYN0278
Wayne 973-694-8000
KINNELON $1,425,000Fantastic 17 Rm. mountain top oasis in soughtafter Grandview Ests. w/NYC skyline views & I/Ggunite pool w/waterfall. KIN1958
Kinnelon/Smoke Rise 973-838-9300
NORTH CALDWELL $979,900Elegant 4BR 4.5Bth Custom Col w/grand 2-story Foyer, Grmt Kit, Stunning Great Rmw/Vaulted Ceil, MBR Suite, lush grounds +3GAR. WYN0541
Wayne 973-694-8000
KINNELON $739,000Fab 5BR 2.1BA Georgian Col./2 Story Grt. Rmw/floor to ceiling brick FP/custom fin. W/OLL/3C.Gar. KIN1967
Kinnelon/Smoke Rise 973-838-9300
KINNELON $1,395,000SMOKE RISE - Stunning Est. set on 5.5level/landscaped Ac w/pond/exquisite cust. de-tails. KIN1330
Kinnelon/Smoke Rise 973-838-8400
KINNELON $1,999,000Smoke Rise-"Experience the WOW" Comfort/el-egance/master craftmanship make this home theultimate. KIN1950
Kinnelon/Smoke Rise 973-838-8400
KINNELON $389,900Timeless grace! 4BR/2BA Cape Cod/1CGar./H/W Flrs in LR/DR/Fam Rm w/custom win-dows. KIN1986
Kinnelon/Smoke Rise 973-838-9300
RIVERDALE $215,000Buy-Don't Rent! 1BR condo w/upgradedKit/Granite/SS appl, wood fls, MBR/crownmoldings, pool, tennis & more. WYN0438
Wayne 973-694-8000
WAYNE $747,000Newer custom unique 4/5BR 4Bth spectacularColonial w/impressive open fl plan-perfect forentertaining! 2GAR. WYN0757
Wayne 973-694-8000
Tax-cutting time is ticking away
continued from page 8
continued on next page
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ty losses are deductible. In
addition, your estimated taxpayments or withholding may
need to be adjusted.
Utilize expiring tax breaks
Bonus depreciation,
which lets you write off 50
percent of the cost of assets
purchased in your business,
expires at the end of
December 2012. Review your
asset acquisition schedule to
determine if buying new
equipment this year will gar-ner a larger tax benefit versus
waiting until 2013.
Robert Sokoloff is a CPA and
the principal with Robert P.
Sokoloff and Associates on
Main Street in Lincoln Park.
He is a QuickBooks certified
pro advisor and his fi rm special-
izes in tax compliance and
planning, IRS representation,
business start-ups and virtual
CFO and bookkeeping services.Robert can be reached at
973-633-1001 or rps@cpanew-
jersey.com. You can also visit
www.cpanewjersey.com. This
article is designed to be for in-
formational use on ly. Please
consult with us or your own tax
professional befo re applying thi s
general informat ion to your
specific situation.
/(++/
)+-""!(%!+
973-200-3262 Direct 973-454-5183 Cell 973-837-9616 Fax
[email protected] a "Family of Clients" with a strong belief in the "Client for Life" Philosophy.
Call today for a complimentary mortgage review.
).-!)+-#)'*-)(&$(,
0
OWN THESE HOMES FOR...To Qualified Buyers.
.13&&$8,$-32+(23$#!.5$1$!2$#.-/1(-"(/+-#(-3$1$23.-+8-##.$2-.3(-"+4#$37$2(-241-"$.1".-#.#4$2.13&&$8,$-32+(23$#!.5$1$!2$#.-#.6-/8,$-3!2$#.-"1$#(32".1$2.%.5$,!$1$1,2%.1.-#.2+(23$#!.5$1$24!)$"33.,$$3(-&--($$4(#$+(-$2'(2(-%.1,3(.-(2-.33.!$".-2(#$1$#".,,(3,$-33.+$-#1.&1,2-#3$1,21$24!)$"33."'-&$6(3'.43-.3("$$-#$12.1/(2("$-2$#.13&&$-*$133$2.%-#-*(-&$/13,$-3204+.42(-&$-#$1
Is your current 30yr mortgage rate at 4% or higher?
If so, NOW is the time to refinance your mortgage!
LINCOLN PARK $225,000
$796 per month30Yr Fixed w/0 points. 3.375% / APR: 3.50%
POMPTON PLAINS $699,900
$2,554 per month30Yr Fixed w/0 points. 3.625% / APR: 3.676%
WANAQUE $225,000
$796 per month30Yr Fixed w/0 points. 3.375% / APR: 3.5%
BLOOMINGDALE $448,000
$1,584 per month30Yr Fixed w/0 points. 3.375% / APR: 3.444%
BUTLER $319,900
$1,131 per month30Yr Fixed w/0 points. 3.375% / APR: 3.467%
CLIFTON $249,000
$881 per month30Yr Fixed w/0 points. 3.375% / APR: 3.489%
GREEN TWP. $799,900
$2,918 per month30Yr Fixed w/0 points. 3.625% / APR: 3.672%
MONTVILLE $325,000
$1,149 per month30Yr Fixed w/0 points. 3.375% / APR: 3.466%
POMPTON LAKES $499,900
$1,768 per month30Yr Fixed w/0 points. 3.375% / APR: 3.439%
POMPTON PLAINS $259,700
$918 per month30Yr Fixed w/0 points. 3.375% / APR: 3.485%
POMPTON LAKES $309,900
$1,096 per month30Yr Fixed w/0 points. 3.375% / APR: 3.469%
SPARTA $399,000
$1,411 per month30Yr Fixed w/0 points. 3.375% / APR: 3.451%
WEST MILFORD $389,900
$1,379 per month30Yr Fixed w/0 points. 3.375% / APR: 3.453%
NUTLEY $347,700
$1,230 per month30Yr Fixed w/0 points. 3.375% / APR: 3.461%
OCTOBER SALES PERSON OF THE MONTH FOR LISTINGS
Danielle Fiorina (973) 460-4352
PEQUANNOCK $499,000
$1,765 per month30Yr Fixed w/0 points. 3.375% / APR: 3.439%
POMPTON PLAINS $334,900
$1,184 per month30Yr Fixed w/0 points. 3.375% / APR: 3.463%
Circle of Excellence Silver2011 Masters Emerald
2011 QualityService Pinnacle Producer
OCTOBER SALES PERSON OF THE MONTH FOR SALES
Livia Deak (973) 903-2284
MARIA FERRITO
973-986-6914 Cell
!!!""#!&
NJAR MILLION DOLLARSALES CLUB 2001
NJ CIRCLE OF EXCELLENCE2002-2011Consistent
TOP PRODUCERin the WAYNE area.
"&%!$&
Townhome SpecialistRelocation Agent
CallMARIA FERRITOfor CURRENT MARKET
VALUE OF YOUR HOME
Wayne Office #1 Listing Agent
SHORT SALE AGENTOwe more than your
home is worth?
WAYNE $649,9995BR, 4 1/2 Bath
Center Hall Colonial onlarge private lot.
HappyThanksgiving!
Tax-cutting time is ticking away
continued from previous page
visit our website at www.lifeandleisurenj.com November 21, 2012Page 24, Zone 2
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Alot of work and effort goes into putting on a musical thats without a hurricane. Thanks
to Sandy, Rhino Theatres tech week was devastated and shortened by the storm.
They were scrambling to find gas to get to and from the theater for rehearsals.
Despite these setbacks, How to Succeed in Business Without ReallyTrying opened on
November 2 right on schedule. Their ensemble of talented, dedicated actors, musicians and crew
pulled together in team spirit because the show must go on. They invite you to come see this
wonderfully entertaining musical, and let the magic of the theater take you away from your worries.
Share their enthusiasm and enjoy the show! There is still one weekend of shows remaining,
Nov 23, 24, and 25. Friday and Saturday are at 8pm, Sunday at 2pm. Ticket prices are $25 foradults, $22 for seniors and $20 for children, plus tax. Group rates are available.
For tickets call 973-248-9491.Visit Rhino Theatres website at www.RhinoTheatre.com.
Rhino Theatre lifts communityspirits following Hurricane Sandy
visit our website at www.lifeandleisurenj.comNovember 21, 2012 Zone 2, Page 25
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'&!!%)&
)'*$%
)'*&$'%$!%)*
)"*!$'$%
$)!!
$)!!!9,-9)94@$)=--41=-9@16+4$;)+316/)=)14)*4-
+33
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SERVICE DIRECTORY & CLASSIFIEDS
Longo Construction
973-838-8693
All Types of Brick, Block,Concrete, Fireplaces,Foundations etc.
Free Estimate - Fully Insured
Bloomingdale
Zinet MasonryConstruction
973.452.2647Lic#13VHO3920800
Installation & RepairsBRICKS, BLOCK &
CONCRETECAULKING, ETC.
POWER WASHING
KovachRoofing
Shingles - SlateFlat Roofs - Gutters
973-835-5330Senior Citizen Discount
$300 OFFANY JOB OF
$3,000 MORE
Vinyl SidingReplacement Windows Residential Roofing 35+ Years Experience
Free Estimates Fully Insured973-696-5699
ROSSROOFING & SIDING
Tree Removal Lot Clearing Stump Grinding Chipper Service
Pruning & Trimming Wood Chips Grading & Excavating
INC.
24-Hour
EmergencyService FREE ESTIMATES
FULLY INSURED
Specializing In DangerousAnd Large Tree Removal
973-616-0010 973-583-2844
We will beat anywritten estimate
References availableupon request
TREECARE
!$#
"#&!"
"#$$#(%'#%"
)
""*
KevinThe PainterA True Professional
Decorative, Faux &Textural Finishes, Glazing,
Sheetrock, Spackle,Repairs & Power Washing
Interior/ExteriorFully Insured
References available
20 years Experience
973-979-8043
Stephen FoxPlumbing & Heating
Small Repairs,Alter, Drain Svc.
INSURED BONDED
973-839-1054
Lic.#7467
Quality
Workma
nship
Interior & Exterior Painting Residential Specialists Power Washing Paper Removal & Installation Brush Roll Airless Spray
Fully Insured FREE Estimates
Owner Operated
Where Excellence InQuality Is Affordable
973-839-7403
The Original
Georges PaintingInterior and Exterior
PaintingHome Improvements
Free Estimates Fully Insured
973-628-9143Established 1986
LikeWhatLikeWhat
YouYouSee?See?
SeeYOURAd
InLife&Leisures
NextIssue!
CallKathleen(973)696-8008
"
!
!
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JUST LISTED JUST LISTED JUST LISTED JUST LISTED
JUST LISTED JUST LISTED JUST LISTED JUST LISTED
RECENTLY SOLD RECENTLY SOLD RECENTLY SOLD RECENTLY SOLD
RECENTLY SOLD RECENTLY SOLD RECENTLY SOLD RECENTLY SOLD
169 Magee Rd, Ringwood 6 Barnard Ct, Pompton Plains 1435 Lincoln Ave, Pompton Lakes 24 Carla Ct, North Haledon
12 Bracken Rd, West Milford 3 Conestoga Ct, Franklin Lakes 70 Mountain View Ct, Riverdale 265 Corabelle Ave, Lodi
284 Wyckoff Ave, Wyckoff 2-22 27th St, Fair Lawn 8 Circle Ave, Florham Park 68 West Parkway, Pompton Plains
21 Libby Ave, Pompton Plains 50 Oak Hill Rd, Midland Park 172 Boulevard, Pompton Plains 11 Colfax Dr, Pequannock
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