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When it comes to buy-
ing locally, cus-
tomers in Northern
Jersey find the expert ise and
wide selection at Gro-Rite far
exceeds their expectations.
The Vande Vrede family
owns and operates Gro-Rite
Greenhouse and Garden center
in Lincoln Park. In business for
nearly four decades, Gro-Riteoffers high quality plant prod-
ucts, annuals, herbs and vegeta-
bles, grown in their own green-
house space and outdoor farm
areas spanning more than 120
acres.
Long recognized as one of
the top growers, producers and
suppliers in the Garden State,
Gro-Rites approach to customer
service and innovation is setting
new gold standards in the indus-
try. Gro-Rite also offers premier
landscape, greenhouse, florist
and nursery services across New
Jersey and the Northeast.
Gro-Rite is as committed
to providing quality garden serv-
ices and products to our cus-
tomers today as we were 40 years
ago, said Dave Vande Vrede,
founder and CEO. Family is
vital at Gro-Rite. From our staff
members and customers to the
local community, theyre all a
part of our family. Our goal is to
be the tri-state areas first choice
for garden and landscaping
needs, now and for another 40
years.
However, Gro-Rite hasbecome much more than just a
neighborhood garden center. Its
a comprehensive one-stop-shop
for all lawn and garden needs.
Customers have access to the
water garden department, fea-
turing a wide variety of live fish,
Gro-Rite emphasizes commitment to
high-quality products and service excellenceFamily owned and operated company attributes more than
40 years of success to focus on serving local customers
Proverbs 3:5,6 God Bless AmericaRecycled Paper from 30% Post Consumer Waste
May 1, 2013
Zone 2, Vol. 11, No. 9
PRSRTSTD
U.S.POSTAGE
PAID
PHILAPA191
PERMIT6752
Life&Leisure,LLC
234MainStreet,2ndFlo
or
LincolnPark,NJ07035-1787
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NOTE:To have your groups announce-ment appear in Community Happenings,
please e-mail your paragraph to calendar@lifeandleisurenj.com.
MAY 2
The 62nd annual observance of theNational Day of Prayer will take placeon Thursday, May 2, the gatheringsbegin at 12:20 p.m. The theme thisyear is Pray for America, which is
based on Matthew 12:21. We arereminded that In His name, thenations will put their hope. As our
nation struggles with continued eco-nomic insecurity, vast healthcare
reform, and countless challenges toour constitutional rights, we are called
upon to exercise our freedom to gath-er, worship, and pray. Join others atthe following local events: MontvilleTownshi p Town Hall, 195 ChangeBridge Road, Montville and theBorough Hall, 34 Chapel Hill Road,Lincoln Park. For more informationplease call Judy Baum at 973-263-0621.
MAY 4
The Holy Spirit School located at 330
Newark Pompton Turnpike inPequannock will be hosting a Pasta
Dinner on Saturday, May 4 from 6-9pm in their gym (No entrance after
7pm). The menu includes ziti, meat-balls, salad, bread & butter, dessert,soda, water, coffee and tea. The cost is$10.00 for adults, $8 for seniors andchildren 5-15 yrs. and children 4 &under are free. Our 1st and 3rd gradestudents will entertain you for yourdining pleasure. No tickets will be soldat the door. There will be assignedseating. For tickets or more informa-tion call the school at 973-835-5680.
MAY 7College-bound students and their
parents are welcomed to come to theLincoln Park Public Library for our
College Planning Workshop onTuesday, May 7 at 7pm at the LincolnPark Public Library. Attendees willmeet a College Planning Specialist and
learn about the application process,financial aid, and many other impor-tant tips. Please contact the library forinformation on how to register for thisprogram. More detailed informationon all of Lincoln Park Public Librarysprograms can be found on our web-site: www.lincolnparklibrary.org.
MAY 13
Montville Township Historical Societypresents Someday All This Will BeYours Inheritance and Old Age.Professor Hendrik Hartog, Princeton
Professor and Author, will present theprogram on at the Montville Township
Historical Societys meeting, onMonday, May 13 at 7:30pm. BeforeSocial Security somewhat provided forour old age, families would take careof the older generation. Love andduty wasnt always the reason; some-times the promise of inheritance pro-
vided the impetus. Hear about casesin which the promise of inheritance tosecure care for ones old age affectedfamily dynamics. Free admission.Montville Township Senior House, 356
Main, Montville.
MAY 14
Lincoln Park Public Library is hostinga childrens book author visit & booksigning with local author Scott Nicol on
Tuesday, May 14 at 7pm. Scott willread his new book, Dr. Jim & The
Special Stethoscope, which is about aveterinarian who works with animals.He will also be signing copies of hisbook, which will be available for pur-chase. More detailed information onLincoln Park Public Librarys programscan be found on our website: www.lin-colnparklibrary.org.
MAY 15
Sunshine Prosthetics and Orthoticlocated at 1700 Route 23N, #180, in
Wayne is having a Drop Foot FreeScreening Day on Wednesday, May 15from 9am-4pm. Do you have troublewalking or using your hand as a res ultof Stroke, Multiple Sclerosis, Brain
visit our website at www.lifeandleisurenj.com May 1, 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, Martha Pineiro, George Papendick, Classifieds: Kathleen Todd
Please e-mail all press releases and calendar information to calendar@lifeandleisurenj.com 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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visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 3
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Ive been thinking a lot
about this lately. I met the
most beautiful woman Id
ever had the pleasure of laying
my eyes on in 1984, at 23
years of age. Her name was
Teresa Faith, but her friends
called her Terry. We started
working together in 1984,
which simultaneously led to a
romance. She accepted my
proposal of marriage shortly
after, making it official on
June 1, 1986.
If you think about it for a
moment, most husbands and
wives go their separate ways
each day for at least eight
hours of the working day. She
to her job and he to his.
When children enter the pic-
ture, she usually stays home
and he usually goes to work, so
they are still separated those
eight hours, plus commutingtime and overtime. Weekends
might allow the spouses some
time together, unless there is
another part-time job for
either one of them or both. At
the very least, the kids
extracurricular and sporting
activities challenge that time
as well, leaving them apart for
the majority of the Saturdays
and Sundays, for nearly two
decades. If one of them bowls,plays golf religiously or
engages in a club activity, that
is even more time they spend
apart. Some married couples
spend time apart with friends
acquired during high school or
college fraternity or sorority;
others spend separate time
pursuing a hobby or attending
classes for self-advancement.
All wonderful activities and
opportunities. But not me.
No, my course was a little dif-
ferent.
You see, Terry and I have
been doing everything togeth-
er 24 hours a day for 29 years
now. Ever since we met, wevebasically spent everyday side-
by-side. We worked seven
days a week for the company
that brought us together for
seven years. Then we built a
business together. Diversified
Financial Services Group
started in 1991 in Pompton
Lakes and moved to Wayne 10
years later. In 2006, that com-
pany morphed into the first
and foremost franchise in theretirement and estate plan-
ning industry, American
Prosperity Group, which now
spans 10 states with 18 offices.
During the same time
and I give Terry all of the
credit we grew our family
size from a hard working
dynamic couple to a bustling
family of six! Terry brought
visit our website at www.lifeandleisurenj.com May 1, 2013Page 4, Zone 2
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) SPECIAL
Exam, Prophy & Xray $115
Latest Cosmetic Techniques Crowns & Bridges Root Canals
Ive added it up:
Im married 116 years!By Mark Charnet
continued on page 24
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Attend one of our
upcoming FREE pro-
grams designed for
adults, 62 and over, interestedin education to improve and
maintain optimal health and
wellness.
Thursday May 23,
2:30 to 4 pm
Nutrition 101- Safe
Suppliments for Energy,
Digestion and Joint
Health
Learn about the benefits of
herbs and vitamins for opti-mal health and the scientific
evidence that supports these
claims, which are safe, how
much to take and when to
take them.
Steve Shah, Natures Pavilion
Natural Food Market
Location: Belmont Clubhouse
- PAC
Tuesday June 4,
12:30 to 2 pmMens Health the
Prostate Gland
Increase your understanding
of prostate issues, how to
maintain a healthy prostate,
signs of issues, and new
research in regard to the
question of treating this slow
growing cancer and if the
side effects are worse than
the disease.
Dr. Keith Christiansen,Urologist
Tuesday June 18,
12:30 to 2 pm
The Aging Spine
The human spine undergoeschanges as the body ages. Dr.
Kaszubski will explain the
impact of aging on the spine,
describe the symptoms asso-
ciated with the aging spine
and discuss both lifestyle and
other risk factors that can
impact spinal degeneration
as well as offer strategies to
reduce risk and outline treat-
ment options.
Dr. Priscilla Kaszubski,DO PM&R
Wednesday July 10,
10:30 to 12 pm
What do Pacemakers and
Defibrilators do and Who Needs One
This talk will discuss
implantable cardiac pace-
makers and automatic defib-
rillators. Dr. Winters will dis-
cuss what they are, their dif-
ferences, how they work and
who needs them. He will
also go over what life is like if
you have these devices
implanted and which doctors
know how best to deal withthese concerns.
Dr. Stephen Winters,
Cardiologist
Tuesday July 23,12:30 to 2pm
Arthriticise, 3 Steps to
Healthy Joints and Bones
Why suffer the agony of arthri-
tis? Learn 3 easy ways to
reduce the pain, stiffness,
stress and fatigue associated
with arthritis, as well as ways
to increase flexibility, muscle
strength and energy. These 3
steps will teach you how to
help yourself enjoy a long,healthy, independent and
active life.
Dr. Donna Perillo, Chiropractor
Thursday August 8,
2:30 to 4 pm
Questions and Answers
about Cataracts
Learn the answers to some
common questions from an
expert What is a cataract?
How do they develop? Who isat risk? What are the symp-
toms and how are they detect-
ed? What are the treatment
options and research for new
treatment ideas?
Dr. Diane Hilal-Campo,
Opthalmologist
visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 5
HIGHEST PRICESPAID ON THE SPOT
Paragon Jewelers
Record High Gold Prices
Sell The Gold JewelryYou No Longer Wear
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
973-839-0611
Open Tues.-Fri. 10-6, Sat. 10-5
Gold Now $1,425 oz.
FREE INSURANCE QUOTE866-700-COVERAGE (2683)
www.coveragespecialists.com580 ROUTE 23 N. POMPTON PLAINS
(AFTER JACKSON AVE)
Come in or Call to See How
We Can SAVE You MONEY!
FULL SERVICE
INSURANCE AGENCYPersonalized Service In:
AUTO HOME FLOOD HEALTH
BUSINESS LIABILITY
HOURS:
Mon-Wed 8am-5pm
Thurs 8am-7pm
Fri 8am-4pm
Sat 9am-2pm
Cedar Crest Active Adult Wellness Education Series Summer 2013
continued on page 20
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Anew study in the
medical journal
Acta Odontologica
Scandinvica indicates that
bleaching with large quantities
of hydrogen peroxide
between 35 and 38 percent,
the strength of in-office
whitening treatments can
change the makeup of enamel.
Dental products have recentlybegun advertising that they
can help rebuild enamel and
whiten teeth using remineraliz-
ing agents. However, these
agents dont necessarily help
teeth recoup their enamel after
whitening procedures.
Researchers conducted an
experiment with bovine teeth
whitened by hydrogen perox-
ide with strength of 35 to 38
percent. The makeup of the
enamel was studied 24 hours
after treatment, and again aftertwo weeks. Half of the samples
were then exposed to a rem-
ineralizing agent.
Teeth exposed to the rem-
ineralizing agent showed the
highest microhardness after 24
hours. The microhardness
level, however, was not the
same after 14 days. Also, the
structure and makeup for all of
the samples after 14 days
showed many abnormalities.The concept of such new
remineralizing agents being
added to toothpastes and rinses
is still controversial.
Dr. Peter Brusco is a 1980
graduate of The University of
Pennsylvania and has been
practicing in Kinnelon since
1982. Dr. Bruscos practice is
located at 170 Kinnelon Road,
Suite 29A in Kinnelon. Youmay reach him by calling 973-
838-5862 or visit him on the
web at www.drbrusco.com.
Bleaching changes
makeup of tooth
enamel By Peter Brusco, DMD
visit our website at www.lifeandleisurenj.com May 1, 2013Page 6, Zone 2
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visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 7
Friendly, Caring
Atmosphere with
Gentle, Experienced
Dental Professionals.
Cosmetic Dentistry
Bonding & Veneers
TMJ Root Canals
Teeth Whitening
Oral Surgery
Mini Dental Implants
Implants Dentures
NEW PATIENT
OFFER
$15000
Expires 6-30-13.Not to be combined with any other offers.
Dr. Peter Brusco, D.M.D.
973-838-5862
Includes:
Comprehensive Exam
Oral Cancer Screening
TMJ Screening
Dental Cleaning
Blood Pressure Screening
Full Mouth Xray Series
(16 Xrays are Regulary $175)This Visit is Worth Over $345.
"
"!!!
0% Payment Plans
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Receiving the Sacra-
ment of the Eucharist is
a momentous event in
a young Christians life, mark-
ing one of the first steps he or
she takes in individual faith
formation. Children who
receive the Eucharist are fur-
ther initiated into the church
and this enables them to
receive Communion at each
and every mass thereafter, pro-
vided they remain in good
standing with the church.
Christian families place
great significance on the
Eucharist and most want to
commemorate the occasion
with a party. Some people treat
it as they would a wedding or
Sweet 16 party, inviting friends
and extended family members.
Others prefer to keep the cele-
bration a bit more intimate.
Regardless of the size of the
party, there are some tips to
make it a memorable affair
thats fun for everyone.
Dont start planning until
you confirm the date of the cer-
emony. Some churches have
one date on which they hold
administer to all candidates at a
special mass. Others may stag-
ger the ceremonies over the
course of several dates and may
intertwine their Eucharist cere-
monies with the regular mass
schedule. Either way, parents
should confirm the date
months in advance so they
have ample time to schedule
parties and shop for appropriate
attire.
Reserve your date quick-
ly. Once you know the date of
the ceremony, do not delay if
you plan to hold a party at a
restaurant or intend to hire a
caterer for a party at home.
Not only will you be compet-
ing for dates with other par-ents whose children will also
be receiving the sacrament,
but also you may be going up
against those planning April
or May weddings or gradua-
tion parties. If there is a par-
ticular restaurant or banquet
hall you have in mind, reserve
the date quickly and leave
a deposit to secure the reser-
vation.
Consider a catered affair.Very often a Communion
reception takes place shortly
after the ceremony at church.
This means guests will go
directly from the church to the
party. Catering the party will
ensure food is ready as your
guests arrive. This also cuts
down on the amount of
preparatory work you will have
to do. Restaurants, delis, fast-
food establishments, warehouse
centers, and supermarkets are
all viable catering options
depending on the scale of the
party. To keep costs down, buy
frozen, premade foods from the
grocery store, and then simply
heat them up for guests.
Hire entertainment. If the
party will be a larger affair with
a number of children in atten-
dance, it may pay to hire an
entertainer like a magician,
balloon artist or deejay to keep
everyone entertained and
occupied. Again, since many
Communion ceremonies take
place in the spring when wed-
ding receptions and graduation
parties also take place, reserve
your entertainers early on.
Remember to give the deejay a
play list that will include music
for all ages in attendance.
A young person receivingthe Sacrament of the Eucharist
is something worth celebrating.
Ensure your party is a success by
planning out the details in
advance and hosting the best
party you can within your
desired budget.
visit our website at www.lifeandleisurenj.com May 1, 2013Page 8, Zone 2
Has your child been diagnosed with...
Cerebral Palsy Autism
Developmental Delay
Balance/Coordination Disorder
Hypertonia (increased muscle tone)
Hypotonia(low muscle tone)
Down Syndrome
Spina Bifida
Metabolic Disorder
Traumatic Brain Injury
18 Newark Pompton Tpke.
Riverdale, NJ 07457
973.616.8300
Physical Therapy
Occupational Therapy Sensory Integration Speech Therapy Childhood
Weight Loss
...then give us a call 973.616.8300
c all t o adv er t ise 973.696.8008
Host a memorable First Communion party
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Injury, Spinal Cord Injury or CerebralPalsy? Bioness wireless technologiesmay help you regain independenceand get back into a more activelifestyle. For more information call973-696-8100 or visit our websitewww.sunshinepando.com.
MAY 19
The 2nd Annual Miles for Mike 5KRun/Walk will be held on May 19 atGreenview Park, 27 West Parkway,Pequannock. This event will feature a5K Run/Walk through a USATF GrandPrix certified, flat course of neighbor-hoods and roads. Following the race,we will hav e a medals and awards cer-emony. For more information, applica-tions and to hear Michaels storyplease visit our website atwww.MilesForMik e.com.
Around the
Community...The G.F.W.C. Montville TownshipWomens Club invites you to partici-pate in its 13th Annual Town-WideGarage Sale Weekend!!! This event isscheduled for Saturday, June 1 andSunday, June 2 from 10am-4pm. Rainor Shine. Price to participate is$20.00. This fee is all-inclusive: a
master list of all participants andplacement of your location on a
Township map and Township permit.For an application go to www.montvil-lenj.org or pick one up at town hall.
Checks should be made payable toMontville Township Womens Club andshould be mailed to: Jean Bader, 290Changebridge Rd., Pine Brook, NJ07058. All applications must be com-pleted by May 13.Whether you are still suffering fromthe bleak memories of war or haveresolved to put it all behind you, PointMan Ministries is for you. Point Man isnot a social club of old war heroestelling war stories, it is a Christian min-istry dedicated to helping veteransfind peace with themselves and the
world around them. If you are doingfine after the war, thats fantastic butdont forget about your buddies whoare still suffering. Your encourage-ment could mean the world to them.Find out how you can help. Call BarryJensen at 973-809-9665. Point ManMinistries meets the first Thursday ofevery month from 7:30 9:30pm atCornerstone Chapel 620 Route 23North, Pompton Plains.The Montville Township Womens Clubhas an ongoing project: comfort pil-lows for breast cancer patients. Ateam of club members, seniors, and
volunteers from surrounding citiesparticipates in this worthy project.Even heart surgery patients havefound use for these comfort pillows,
Reality television has
garnered its share of
devoted viewers, many
of whom happen to be young
females. Statistics indicate the
number of tween and teenage
girls tuning into to see their
favorite reality TV is on the
rise. According to data from
Ogilvy Public Relations,
roughly 43 percent of tween or
teenage girls are regular view-
ers of reality television, while
30 percent tend to watch spo-
radically. Some may wonder
how reality TV affects the per-
ceptions of young women.
According to a survey con-
ducted by the Girl Scout
Research Institute, girls who
routinely view reality TV are
more focused on physical
appearance, and more than
one-third think that a girls
value is based on how she
looks. The study also pointed
out that girls views on reality
show behavior tends to pit
girls against one another to
make the show seem more
exciting. The research is not
all negative, however. Some
survey respondents said reality
TV made them feel more
empowered and that they can
achieve anything in life.
Others said the shows high-
lighted the plights of
teenagers and young women,
helping young women realize
there are other young women
in situations similar to their
own.
visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 9
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...
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lives!
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Preschool, Kindergarten,Ages 2-6 Years
A Truly UniqueMontessori School Unique Phonics
Reading Program Hands on Math
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Music Foreign Language 3 or 5 Half Days Full Days 7am-6:30pm Fastrackids
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/Fun
Themed Days Music/Dance In House Events
Nature & Science Computers Cooking After Camp Clubs Fastrackids
574 Newark Pompton Tpke, Pompton Plains
Linda DAmicos Academy of DanceCALL NOW to ENROLL or REGISTER ONLINE
www.ldad.net or email: ldadancers@gmail.comCall 973-616-0300 Fax 973-616-9601
July15th-26thMusicalTheaterCinderellaAuditionsJune27that10AMPerformance7/26at7PMPartsForAllAuditioners
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Did you know? Community Happeningscontinued from page 2
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Business fraud is every-
where. It can range
from employees pilfer-
ing small items from the office
to embezzling hundreds of
thousands of dollars. And
crimes may be committed by
anyone from the lowest-paid
clerk to a long-time officer.
All too often, business owners
are oblivious to wrongdoings
or they simply refuse to
acknowledge the possibilities
until its too late.
Dont make the same
mistakes as countless other
victims. Here are five practi-
cal suggestions for thwarting
workplace fraud.
1.Keep your eyes wide open.
View your operation like an
outsider and identify the
areas that appear ripe for
fraud. If a security problem
persists, dont ignore it and
simply hope it will vanish.
Confront the toughest issues
head-on.
2.Review and adjust internal
controls. Accountants often
pinpoint this area as a main
culprit. Install a system of
checks and balances and reg-
ularly monitor activities.
Note that employees may be
deterred from theft if the
process is well-documented.
Otherwise, they may think
they wont be caught.
3.Develop reporting and
investigation procedures. En-
courage your employees to
come forth about suspicious
activities, but keep matters
confidential. When its war-
ranted, respond promptly
visit our website at www.lifeandleisurenj.com May 1, 2013Page 10, Zone 2
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continued on page 22
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The days when single
income households
were the norm are
long gone, as nowadays both
Mom and Dad must work in
order to make ends meet. That
reality has left many women
juggling the obligations of
motherhood with the obliga-
tions of a successful career.
Such a juggling act is sel-
dom easy, and many mothers
find themselves neglecting one
obligation for the benefit of
another. The following are a
few tips to make balancing
work and family a little easier.
Share the responsibilities.
While the days of the single-
income household may be a
thing of the past, many of the
conventions of those days
remain. Women may still feel
the responsibility to cook fami-
ly meals, clean up after the
children and make it to all of
their childrens sporting events
or other school-related events.
But those responsibilities
should be shared so women can
ensure theyre giving both their
careers and families the atten-
tion each deserves. Devise a
schedule where both parents
tackle such responsibilities
equally so each parent knows
when they have some wiggle
room. For example, if your hus-
band routinely cooks on
Tuesdays, then you know you
wont need to rush home on
visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 11
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from 10AM-3PM
Tips for women juggling a family and a career
continued on page 13
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12/28
D
uring its first few hours
of life, your kitten
receives natural imm-
unity against most diseases
from its mothers first milk, the
colostrum. But eventually your
kittens immune system will
have to fend for itself.
Vaccinations provide your kit-
ten good protection against
some life-threatening diseases.
Heres an explanation of the
vaccines you need or may want
to consider, as recommended
by your veterinarian.
1. FVR-C-P. The upper respira-
tory infection seen in cats is a
complex clinical disease. FVR-
C-P protects your cat against
the two viruses most likely to
cause an upper respiratory
infection in your cat feline
rhinotracheitis (feline herpes
virus) and feline calicivirus.
Infections with these viruses
can cause discharge from the
nose or eye, respiratory prob-
lems, mouth sores, anorexia
and abortion. FVR-C-P also
protects against panleukope-
nia feline distemper an
acute gastrointestinal viral
infection associated with a
sudden onset, depression,
vomiting, diarrhea, dehydra-
tion and a high mortality rate.
These vaccines require boost-
ers two to four weeks apart;
the last dose is given at 12 to
16 weeks.
2. FeLV. Feline leukemia virus
vaccines are available for
interested cat owners. This
vaccine is recommended only
for those cats with high expo-
sure potential, such as outdoor
cats, show cats and those liv-
ing in multiple-cat households
(even if all are considered
indoor-only). Before trying
out the FeLV vaccine, have
your cat tested to see if it
already has the disease. Half of
all cats who get FeLV will die
from complications associated
with the disease. Consult with
your veterinarian if this vac-
cine is right for your cat.
3. FIP. Feline Infectious
Peritonitis, which is associated
with anorexia, weight loss,
growth stunting, gradually
developing potbelly and fever,
has a very high mortality rate.
A vaccine was developed six
years ago and can be given to
cats older than 16 weeks of age.
It requires two doses, three to
four weeks apart. The effective-
ness of this vaccine in prevent-
ing this fatal feline disease is
still being tested and is debat-
able; therefore, most veterinar-
ians do not recommend this
vaccine at this time.
4. Rabies. Most of us associate
rabies with the mad dog froth-
ing at the mouth, eager to bite
anything near it. Although this
is a common presentation in
countries where there is a very
high population of unvaccinat-
ed stray dogs, in the U.S., rabies
usually appears in wild animals.
Rabies vaccination is required
in New Jersey and can be
administered at greater than 12
weeks of age in felines. All
warm-blooded animals
including you can get rabies.
The prognosis, unfortunately, is
fatal.
Few medical procedures
are without risk. While trying
to prevent disease in your cat,
there is a small chance that
harm may be done. Veterinar-
ians have observed a chance of
developing a vaccine-associat-
ed sarcoma at a rate of 20 per
100,000 cats. A veterinary task
force, the American Veterinary
Medical Foundation,
has been assigned to this
problem and makes the
following statement on
its website: Disturbing
as this issue may be,
there is great concern
that cat owners, attempting to
keep their cats from harm, may
forgo vaccination entirely. The
result? Though well inten-
tioned, these owners may be
placing cats at far greater risk of
acquiring a fatal infection than
any risk the vaccine poses. And
in the case of rabies, human
health is at risk as well.
After your vaccinations,
ask your veterinarian to
point out where the injec-
tions were placed and then
keep an eye on those sites. If
you notice a firm, painless
swelling located near a previ-
ous vaccination site, contacts
your veterinarian.
Your local veterinarian
can provide more information
about vaccinations for your
pet. What is given often
depends on the risk of specific
diseases in your geographic
area, your pets lifestyle and
state laws.
Protect your companion
animals and yourself by paying
a visit to your local veterinar-
ian and following the suggest-
ed vaccination protocol.
Dr. Matthew Krupnick is the
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 Pequan-
nock Animal Hospital is located
at 591 Newark Pompton Turn-
pike in Pompton Plains.
You may reach them by calling
973-616-0400.
Protect your kitten with these recommended
vaccinations By Dr. Matthew Krupnick
visit our website at www.lifeandleisurenj.com May 1, 2013Page 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
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591 Newark Pompton Tpke.
(near Friendly's)
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Tuesday night and you might
be able to stay at the office a lit-
tle later to work on a project or
catch up on work. Such sharing
and scheduling can consider-
ably reduce the stress of jug-
gling a family and a career.
Exercise daily. Juggling a
family and a career is often
stressful, and stress can have a
very adverse effect on your
health. Women with high
stress levels are more likely to
suffer from depression, anxiety
and cardiovascular disease. But
the American Psychological
Association notes the positive
impact of exercise as a means to
alleviating stress, citing studies
that have shown that physical-
ly active people have lower
rates of anxiety and depression
than people who are sedentary.
Its easy to become irritable
when stressed, and no mother
wants to be irritable in the pres-
ence of her children.
Incorporating exercise into
your daily routine is a great way
to alleviate the stress of jug-
gling a family and a career, and
you can even incorporate your
family into your
exercise routine,
going for
nightly walks
after dinner
or playing
with your
children in
the yard.
Stay
involved with your
childs school. Many
mothers find staying active
with their childrens school is a
great opportunity
for them to bond
with their kids
and keep
abreast of
d e v e l o p -
ments at
their school.
Such involve-
ment can be
minimal, such as
attending a monthly
luncheon with kids or agreeing
visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 13
Tips for women juggling a family and a career
continued from page 11
continued on page 23
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visit our website at www.lifeandleisurenj.com May 1, 2013Page 14, Zone 2
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visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 15
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b lif dl i j M 1 2013P 16 Z 2
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16/28
Have you ever won-
dered why many of
the most beautiful
plants we see in New Jersey
only last a few weeks out of
the year? Why is it that cer-
tain garden vegetables are
only in season for a specific
part of the year? The reason is
that these plants are annuals.
Strictly speaking, an
annual plant is one that com-
pletes its growing cycle in
the course of a single growing
season. The plant grows from
a seed, blooms and pro-
duces seed all within one
season. In other words,
annuals pack a lot of living
into a short span of time!
Some annual plant life
cycles may occur in as little
as one month, while some
species last through several
months.
With spring in full
swing, its time to begin
thinking about annual
planting. Take advantage
of this time to grow an
edible garden! A large
variety of food plants are
either annual plants or
grown in
season, including virtually all
domesticated grains. Corn,
wheat, rice, lettuce, peas,
watermelon and beans are all
examples of annual food
plants.
Additionally, the
vast majority of flow-
ers are also consid-
ered annual. They
are incredibly versa-
tile plants that are
suitable for contain-
ers, window boxes,
flower-beds, and
elsewhere. Dont let
the season pass you
by without having a
set of beautiful annu-
al flowers to adorn
your home!
Gro Rite Garden
Center in Lincoln Park
offers a wide variety of
annual seeds and potted
plants to make your gar-
den functional and your
yard beautiful. Experts are
always available to provide
advice. Visit them at 30
Hillview Road in Lincoln
Park. For more information,
call 973-694-7495 or visit
www.grorite.com.
visit our website at www.lifeandleisurenj.com May 1, 2013Page 16, Zone 2
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i it b it t lif dl i jMay 1 2013 Zone 2 Page 17
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17/28
Spring has sprung for most
areas of the country and
the average homeowners
to-do list likely has its share
of outdoor landscaping tasks
that need to be tackled. The
right tools can make easier
work of outdoor chores.
A report from the
Associated Landscape Con-
tractors of America titled
Economic Benefits of
Landscape states that land-
scaping can add as much as 14
percent to the resale value of a
building and speed its sale by as
much as 6 weeks. Homeowners
looking to sell their home or
just improve its market value
will want to consider landscap-
ing a viable investment. A
March 2003 article in Smart
Money noted that homeowners
can expect to earn back 150
percent or more of their land-
scape investment through the
value it brings to a property.
Whatever the landscap-
ing project, the right tools will
make any task that much easi-
er. There are certain items
every homeowner should have
in his or her gardening arsenal.
Soil cultivator: A multi-
pronged tool that breaks up
clods of soil and grass to pro-
vide easier planting.
Various garden hoes: Hoes
can be used for breaking up soil,
weeding, cultivating, aerating,
and many other purposes.
Spading fork: Another tool
that loosens soil with straight
tines that dig through dense
soil.
Shovel: A multipurpose shov-
el can dig through dirt, gravel
and the like.
Rake: A steel-pronged rake
will till soil and spread out
mulch and other organic mat-
ter in planting beds. A flexible
rake is good for collecting
leaves and thatch.
Edger: Available as manual or
gas powered, an edger gives
planting beds and the edges of
lawns a clean look.
String trimmer: Weeds can
easily be trimmed with a string
trimmer that can work around
bushes and other hard-to-reach
areas.
Gloves: Avoid blisters and
insect bites with durable gloves
that protect the hands.
Lawn mower: To maintain a
healthy lawn it will have to be
trimmed to the correct height.
A manual or powered lawn
mower is the essential land-
scapers tool.
Collection bags/bins: To
properly dispose of organic
matter like leaves and branch-
es, it pays to have recyclable or
reusable bags on hand for trans-
porting waste.
Hoses: Drip irrigation hoses
can deliver water right to
plants roots where they need it
most. A regular nozzle-powered
hose can be used for cleaning
and misting plants and sur-
rounding hardscapes.
Compost bin: Black gold is
the ideal landscaping supple-
ment. By creating compost
from discarded food, a home-
Must-have tools for the outdoor handywoman
visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 17
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continued on page 22
visit our website at www lifeandleisurenj com May 1, 2013Page 18, Zone 2
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ornamental fountains and
pond supplies. Gro-Rites
landscaping division offers a
vast selection of trees and
evergreens to help residents
build their landscapes.
Theres even a full-service
floral department with on-
staff designers to assist with
bridal, corporate events and
special occasions. In an effort
to provide a full-service
experience, upon completion
of a landscape job, Gro-Rite
clients receive a floral
arrangement from the floral
department.
Ken Vande Vrede is
president and son of founders
Dave and Gerda. Providing
the best-possible customer
experience is a key differen-
tiator at Gro-Rite, he said.
Customers repeatedly return
for the level of knowledge
and personal attention our
staff members provide.
What truly sets Gro-
Rite apart from other nurs-
eries is a commitment to
innovation and new technol-
ogy. Gro-Rite has adopted
state-of-the-art hydroponic
technology, which allows
large quantities of lettuces,
herbs and vegetables to grow
in a clean, sustainable, bacte-
ria-free environment. They
utilize a natural growing
environment for pesticide-
free herbs and vegetables,
and are hoping to meet
USDA organic standards
soon.
Gro-Rites vision is pro-
viding customers with locally
grown, preservative-free
foods and using hydroponic
technology will also allow
them to do that. Hydropo-
nics is a soil-less method of
growing plants that uses a
combination of mineral
nutrient solutions and water.
Contrary to popular belief,
soil is not essential to the
growth of plants, but is mere-
ly a holding area for neces-
sary mineral nutrients that,
when dissolved in water, are
absorbed by plant roots.
Through the use of less
water and space to produce
herbs and greens, hydroponic
farming is a 100 percent nat-
ural and sustainable growing
method that dramatically
reduces our carbon footprint.
Through hydroponic
farming, Gro-Rite will be the
only greenhouse in 2013 that
provides year-round, pick-
your-own locally grown pro-
duce.
For nearly four decades,
the Vande Vrede family has
owned and operated Gro-
Rite Greenhouse and Garden
Center at 30 Hillview Road
in Lincoln Park. Gro-Rite is
opened 9am5pm Monday
through Saturday. For more
information, visit www.gror-
ite.com or call 973-694-
7495.
visit our website at www.lifeandleisurenj.com May 1, 2013Page 18, Zone 2
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visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 19
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Whether shes still
hard at work rais-
ing children or her
kids have grown up and now
have children of their own,
Mom deserves our best efforts
come Mothers Day. And while
traditional gifts like flowers and
chocolate might make for
thoughtful Mothers Day gifts,
those who want to go the extra
mile for Mom this year can
consider the following unique
gift ideas.
Concert tickets: Many
adults recall the days of their
youth when Mom would relax
while listening to some of her
favorite music on a lazy summer
afternoon. Why not take a
stroll down Memory Lane and
take Mom to see one of her
favorite acts in concert? Even if
you have outgrown Moms
musical tastes, she will still
appreciate the chance to spend
an evening out on the town
with her kids and some
good music.
Theater tickets: If
Mom is a fan of live the-
ater then nothing will
elicit a bigger smile than
tickets to a Broadway
show she has had her
eyes on. If Broadway is a bit too
far for you to travel, do your
homework and find a travel-
ing production of a former
Broadway show. Such produc-
tions often feature many of the
same actors who made the play
famous on Broadway so youre
still bound to see an unforget-
table show Mom will love.
Parts unknown: Moms
who love to travel and experi-
ence other cultures would cer-
tainly appreciate a trip abroad
or a domestic getaway to a
region of the country they have
yet to explore. Before booking
any such trips, speak to your
Mom and ask if theres any-
where in particular shed like to
go. Such trips can be expen-
sive, so adults might want to
speak to their siblings and
finance such an excursion
together.
Spa treatment: If Mom is
still as active as ever, then a day
of pampering at a nearby spa is
sure to please. Many luxury spas
offer packages, especially
around Mothers Day, that
make a full-on spa treatment a
more affordable gift. Men and
women can even accompany
Mom on her trip and reap the
rewards of being such a
thoughtful son or daughter.
Unique gift ideas for Mothers Day
Breakfast in bed is one of
the staples of Mothers
Day celebrations.
Pancakes are an ideal break-
fast to serve Mom. Easily cre-
ated, pancakes can be made
with just a few ingredients
that are usually kitchen sta-
ples. Young children should be
supervised if helping with the
preparation of breakfast.
Easy Pancakes
112 cups all-purpose flour
312 teaspoons baking powder
1 teaspoon salt
1 tablespoon white sugar
114 cups milk
1 egg
3 tablespoons butter, melted
Strawberries and powdered
sugar, for garnish
1. Sift dry ingredients togeth-
er then add the wet
ingredients. Mix un-
til just incorporated
and let stand 5 min-
utes.
2. Prepare a griddle or
flat skillet by heating
over medium-high
heat and greasing
with butter or non-
stick cooking spray.
3. Spoon about 1/4
cup of batter onto
griddle for each pan-
cake. Wait until bub-
bles form in the cen-
ter and then flip. Let cook on
other side until golden
brown, then remove.
4. Repeat until pancake bat-
ter is done.
5. Cut a small cleft into the
top of sliced strawberries to
make them look like hearts
and garnish the plate with
powdered sugar.
Fresh seafood, the finest quality meats, seasonal ingredients and a chefwho ensures every course is prepared to perfection. Thats our recipe for success.
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mingdale
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Pancake breakfast for Mom
visit our website at www.lifeandleisurenj.com May 1, 2013Page 20, Zone 2
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Tuesday August 20,
12:30 to 2 pm
The Truth about
Cholesterol
I will discuss the truth about
cholesterol and all of the
myths revolving around your
cholesterol numbers and
medications. I will discuss
healthy eat ing habit s to
lower cholesterol naturally
and all of the benefits that
cholesterol provides for the
body. Cholesterol is one of
the healthiest substances for
the human body and if it
drops too low, serious side
effects can arise.
Dr. Matt Singer, Chiropractor
Location: Belmont Clubhouse
- PAC
Wednesday September 4,
10:30 to 12 pm
Dental Care, New
Technology for Seniors
Since good oral health leads
to good overall health, it is
important to be knowl-
edgable about what you can
do to take the best care of
your teeth and gums. Learn
about the effects of diet on
healthy teeth and gums, new
technology for dental care,
mini dental implants,
implants, dentures and more.
Dr. Peter Brusco, Dentist
All of the Cedar Crests
Active Adult Wellness Edu-
cation Series programs are
FREE. Registration is required.
Adults 62 and over are
welcome. Invite your friends!
You do not need to live at
Cedar Crest to attend this lec-
ture series.
v s t ou webs te at j
Call to schedule acomplimentary consultation:
973.493.6918
www.mothersintraining.org
Explore what is workingand what is not
Discover a more peacefuland satisfying day as a parent
Develop deeper bondsand communication withinyour family
Offices in Wayne & Montclair, NJ.
Because Coaching Isn't Just For Little League
Parent CoachingMothers-in-Training
One-to-One Coaching
To Explore, Discover
and Develop Your Full
Parenting Potential
Mothers-
Mothers-in- aining
aining
hing Isn't JBecause Coac
C
or Little Least Fing Isn't J
tnerPa
One-to-One Coaching
,erolpxETo
elopvand De
g
gueor Little Lea
nihcaoCaining
One-to-One Coaching
revocsiD
ur FullYelop
t is we whaExplort is notand wha
ervoiscD a mortisfying daand sa
De elov p deepommunicand c
gnitnerPa
ingkort is wt is not
ea mor efuleacpteny as a partisfying da
ondser bdeeption withinaommunic
laitneto
o schedule aall tC
onsultay ctaromplimenc
973.493.6918
.mothersintrainingwww
clairyne & Montes infficO
tion:onsulta
.org.mothersintraining
our familyy
NJ.air
RSVP by calling
973.831.3759 or email:
cedarcrestevents@
erickson.com
Programs will be held in
the Conference Center of
the Woodland Commons
Clubhouse, at Cedar
Crest, unless designated
at the Belmont Club-
house PAC. Parking is
available in the garage
next to the Woodland
Commons Clubhouse.
Cedar Crest Active Adult Wellness Education Series
continued from page 5
visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 21
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which are completely washable and
may be used under the seatbelt aftersurgery. Chairperson Alexandria Sarracan be reached at 973-405-0088. Allmonetary donations, used to purchasepolyfill for the pillows, should be madepayable to MTWC and should indicate
Comfort Pillow in the memo. Pleasemail checks to P.O. Box 267, Montville,
NJ 07045.Mothers & More is a not-for-profitgroup for both stay-at-home andworking moms. It features monthlymeetings, playgroups, mom-and-totoutings, mom-night-outs, and much
more. Members are from Wayne andall surrounding towns. Monthly meet-
ings are on the first Monday of eachmonth (unless a holiday) at 7:30pm atOur Savior Lutheran Church, 670Newark Pompton Turnpike, PomptonPlains. Prospective members are
j
710 NEWARK POMPTON TURNPIKE , POMPTON PLAINS973-835-1426 www.gillysrestaurant.com
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The McKenna School of
Dance will be celebrat-ing its 64th anniversary
of teaching dance in the
Wayne area with the ballet pro-
duction of Alice in
Wonderland and will be pre-
ceded by the variety production
of The Great Outdoors.
Performances are Saturday,
May 18 at 7pm and Sunday,
May 19 at 2pm at the Wayne
YMCA on Pike Drive in
Wayne.Students from Wayne and
surrounding areas will be
appearing as the characters in
the story.Amy Hooker, a senior at
Wayne Valley High School will
dance the role of Alice; the
White Rabbit will be per-
formed by Jennie Stranz from
Lincoln Park; Emily Lau of
North Caldwell will appear as
The Mad Hatter; Sabrina Shay
of North Haldeon will be the
caterpillar/butterfly; Stephanie
Stranz of Lincoln Park will
dance the role of the Queen ofHearts; Maryanna Tosi of
Wayne will dance the role of
the March Hare; Tarra Frawley
of Newfoundland will dancethe role of the Door Mouse;
and the Cheshire Cat will be
performed by Yanna C., a stu-
dent at Wayne Valley HS.
Many other students from
the surrounding areas will
appear as the remaining char-
acters in the story. For informa-
tion please contact The
McKenna School of Dance at
973-628-1676 or visit our web-
site at www.mckennaschoolof-dance.com.
Alice in Wonderland
Community Happenings
continued from page 9
continued on page 25
visit our website at www.lifeandleisurenj.com May 1, 2013Page 22, Zone 2
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owner can generate the prime
fertilizer needed to keep plants
healthy.
Wheelbarrow: Transporting
gravel, rocks, mulch, shrubbery,and many other garden essen-
tials is made easier with the
help of a wheelbarrow or a gar-
den cart.
Branch pruner: A durable
branch trimmer/pruner can cut
through thick or thin branches
and keep landscape items tidy.Pruning also helps promote
growth of many flowers and
shrubs.
Overhead pruner: Errant
branches in hard-to-reach
areas can be trimmed with an
overhead pruner with an
extendable arm.Depending on specific
interests, homeowners can stock
up on trowels, bulb planters,
chain saws and other items that
will get jobs done around the
exterior of the home.
Question: Why doesone need life insur-ance and when is
best to invest in it?
Answer: Life insurance is a
vehicle that will aid in ensur-
ing that loved ones left behind
in the event of an untimely
death are able to continue
their financial lives and alsotakes care of final expenses for
the dearly departed.
Of all the insurance
products that are offered by
the multitude of insurance
companies in this country, life
insurance is the only product
that is not speculative. Auto,
homeowners, motorcycle,
business, flood and some other
types of insurance are all in
place just in case something
happens. Life insurance is the
only one that has a guarantee,
as there is one guarantee from
the day we are born. A whole
life policy is assurance that
expenses and loved ones willbe left financially whole.
As there are also term
policies that offer more afford-
able premiums, these policies
can be converted to whole life
at a later date, prior to policy
expiration, in case it appears
the owner will out-live a term.
It can be converted without
new medical exams or under-
writing. The whole policy
would simply be rated at the
current rate at the time of
conversion.
The best time to invest
in a whole life policy is in your
younger years, simply due to
the minimal risk youthfulnesspresents. Term policies are
best for those who arent yet
able to afford whole life pre-
miums, new homeowners for
the term of the mortgage, and
other debt that may have a
10-year range to be paid off,
like wedding expenses.
The protection for the
legacy you build is but a con-tact point away. Reach out to
E. Andre Bolden of Farmers
Insurance today at 908-977-
6786 or ebolden1@farmer-
sagent.com. For more infor-
mation, visit www.farmer-
sagent.com/ebolden1.
and decisively. You will also
discourage fraud by showingthat actions have conse-
quences.
4.Dont become complacent.
Even if no fraud is detected
after an initial sweep, you
must remain vigilant.
Continue to adhere to the
procedures youve estab-
lished. Also, make sure that
you follow through on any
unresolved issues to theircompletion.
5.Rely on your professional
advisors. For instance, an
attorneys services may be
required if you decide to
seek legal damages, while
an accountant can help
implement and update
internal controls.
Of course, there are no
guarantees, but these fiveproactive steps should, at
the very least, minimize
risks to your company.
Robert P. Sokoloff and
Associate s, PC, is a yea r-
round full-service CPA firm,
providing a wide range of
accounting and tax services
to both small businesses and in-
dividual clients. We are
QuickBooks Certified ProAdvisors and provide new busi-
ness set up, training and sup-
port. Our offi ce is located at
166 Main Street in Lincoln
Park. Visit our website at
www.cpanewjersey.com.
To contact us, please call
973-633-1001 or e-mail
rps@cpanewjersey.com.
MARIA FERRITO
973-986-6914 Cell
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Five steps to ward off business fraud
continued from page 10
Questions for your protectionBy E. Andre Bolden
Must-have tools for the outdoor handywoman
continued from page 17
visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 23
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to be a chaperone on one or
two class trips per year. Suchevents are typically scheduled
months in advance, so you
should have ample time to
arrange a break from the office
without neglecting your profes-
sional responsibilities.
Take advantage of work-
from-home policies. As tech-
nology has advanced, many
companies have become
much more lenient with
regard to employees working
from home. If your companyallows you to work from
home, even if its only once
per week, then take advantage
of that offer. This can provide
more time with your kids, it
will likely save you money on
childcare, and you are certain
to appreciate the opportunity
to skip your daily commute,
even if it is only once a week
or a couple of times per
month.
Plan ahead. Lookingahead is another way to make
juggling a family and a career
easier. Plan meals in advance
to cut down on preparation
time when its your night to
cook. This can involve plac-
ing foods in a slow cooker in
the morning or preparing part
of the meal in advance so its
ready to go in the oven the
moment you arrive home.
Another way to plan
ahead is to look at kids schoolschedules and plan trips dur-
ing the school year when
school wont be in session. A
three-day weekend is a perfect
opportunity to plan a getaway
to a nearby locale where the
whole family can relax and
reconnect without the pres-
sures of daily life.
Juggling a family and
career is not always easy, but
there are ways that todays
mothers can raise a happy
family and still have a success-
ful career.
/(++/
)+-""!(%!+
973-200-3262 Direct 973-454-5183 Cell 973-837-9616 Fax
ryan.barry@njlenders.comRecognized by Mortgage Executive magazine as a "Top 1% Mortgage originator" for 2012
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OWN THESE HOMES FOR...To Qualified Buyers.
/24'!'%!9-%.43,)34%$!"/6%!2%"!3%$/.02).#)0!,!.$).4%2%34/.,9!.$$/%3./4).#,5$%4!8%3).352!.#%/2#/.$/$5%3/24'!'%!9-%.43,)34%$!"/6%!2%"!3%$/.!$/7.0!9-%.4"!3%$/.!#2%$)43#/2%!3/&02),%2-3&/2/.$/3,)34%$!"/6%!2%35"*%#44/-%%4).'!..)%!%5)$%,).%3()3).&/2-!4)/.)3./44/"%#/.3)$%2%$!#/--)4-%.44/,%.$2/'2!-3!.$4%2-3!2%35"*%#44/#(!.'%7)4(/54./4)#%%.$%23/20)3!)#%.3%$/24'!'%!.+%24!4%3/&!.$!.+).'%0!24-%.4315!,/53).'%.$%2
The Housing Market isHOT!!!Know your buying power BEFORE beginning your home search
Call today for a FREE Mortgage Pre-qualification
POMPTON LAKES $197,700$699 per month
30Yr Fixed w/0 points. 3.375/3.516% APR
WANAQUE $347,700$1,230 per month
30Yr Fixed w/0 points. 3.375/3.461% APR
BLOOMINGDALE $289,900$1,025 per month
30Yr Fixed w/0 points. 3.375/3.475% APR
BUTLER $379,321$1,342 per month
30Yr Fixed w/0 points. 3.375/3.455% APR
LINCOLN PARK $299,900$1,061 per month
30Yr Fixed w/0 points. 3.375/3.472% APR
PEQUANNOCK $729,900$2,663 per month
30Yr Fixed w/0 points. 3.625/3.675% APR
PEQUANNOCK $549,321$2,004 per month
30Yr Fixed w/0 points. 3.625/3.686% APR
WEST VERNON $97,000$343 per month
30Yr Fixed w/0 points. 3.375/3.650% APR
RIVERDALE $234,000$828 per month
30Yr Fixed w/0 points. 3.375/3.496% APR
RIVERDALE $389,900$1,379 per month
30Yr Fixed w/0 points. 3.375/3.453% APR
POMPTON PLAINS $249,900$884 per month
30Yr Fixed w/0 points. 3.375/3.489% APR
PATERSON $299,900$1,061 per month
30Yr Fixed w/0 points. 3.375/3.472% APR
WAYNE $597,000$2,178 per month
30Yr Fixed w/0 points. 3.625/3.682% APR
WEST MILFORD $300,000$1,061 per month
30Yr Fixed w/0 points. 3.375/3.472% APR
BLOOMINGDALE $1,400 per mo.Move right into and be proud of this spectacular2 bedroom condo on the first floor.everythingupdated.
RENTALS
LINCOLN PARK $2,150 per monthVery large and spacious 1/2 duplex. HardwoodFloors, eat in kit., FDR 3 very large bedrooms,use of back yard, use of 1/2 lower patio.
LINCOLN PARK $389,900$1,379 per month
30Yr Fixed w/0 points. 3.375/3.453% APR
POMPTON PLAINS $399,900$1,411 per month
30Yr Fixed w/0 points. 3.375/3.451% APR
Tips for women juggling a family and a career
continued from page 13
visit our website at www.lifeandleisurenj.com May 1, 2013Page 24, Zone 2
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Chelsie, our first child, to the
office every day; when shebecame mobile; we expanded
our office to include a nursery
for her and her new brother,
Zachary, nearly four years
later. When Zac grew a little
lonely, Jack Benny was born
in 1998 and we added an addi-
tion to our newly acquired
home so I could bring the
office into the house to con-
tinue working with my wifeand life partner every day. Two
years later, Jack wanted a little
brother to play with, and
Sammy showed up to be his
little buddy!
Terry and I continued to
work together every day, help-
ing the community with their
retirement and estate-plan-
ning needs. We are proud that
we have been able to build ourfamily and family business
simultaneously over these past
29 years. I did the marriage
calculation to determine that
based on the comparison to
what Ill call normally mar-
ried couples if you count
up all of the hours we have
spent together everyday, we
have been married about four
times longer than other cou-ples of the same vintage. 29
years together, multiplied by
four, equals 116 years. So
there you have it folks, Ive
been married to the sexiest
and most remarkable woman
in the world for 116 years! She
has let me pursue my goals,
dreams and ambitions, and
not only stood by my side with
constant and never-endingsupport, but was an active par-
ticipant in all of them with
great expense to her individ-
ual goals and dreams, as well. I
am convinced that the great-
est force in business is a hus-
band and wife working
together side-by-side with a
common goal and objective.
They are powerful enough to
overcome a major recession,
the worst stock market crashesin the nations history and the
worst real estate market
decline. Though President
Obama recently stated that
we didnt build our businesses
ourselves, I beg to differ! Not
only did we build it ourselves,
but we built it with American
values, American pride and
American ingenuity.
Im not afraid to say I
love my wife and I would behere neither financially nor
physically if she were not by
my side every day especial-
ly when I underwent heart-
bypass surgery and suffered 10
strokes and other complica-
tions, resulting in a 43-day
hospital stay.
Yes, there was a two-
week period of time when we
were not together every day. I
contracted an infection dur-ing my hospital stay and she,
being by my side for 19 days
straight, caught the same
infection, resulting in hospi-
talization for the next 14 days
in a separate hospital. Our
daughter had to be the advo-
cate for two parents in two dif-
ferent hospitals at the same
time, while in grad-school and
working two part-time jobs.
She also had to be the surro-gate mom for her three
younger brothers. I guess its
true when they say the apple
doesnt fall far from the tree!
After completing her MS
in education, Chelsie is now
the director of Brainy-Acts, a
high-tech and progressive new
tutoring and educational cen-
ter, located adjacent to the
National Headquarters of
American Prosperity Group at901 Route 23 South in
Pompton Plains (just above
the Lakeland Bank).
Im reaching for 250years of marriage and growing
our retirement and estate-
planning firm across the
nation. Through our fran-
chisee network, we can reach
as many community members
as possible, sharing the mes-
sage of responsible retirement
and estate planning through
the Trinity Method of
Investing and the Seven Ps:
Proper Prior PlanningPrevents Poor Performance
Period!
Terry and I continue to
work together every day, lov-
ing it and each other even
more. We hope you will take
advantage of the free informa-
tion found on our websites, as
well as our never-ending
retirement and estate-plan-
ning workshops, which are
presented free of charge andoffer a fortune of imperative
facts and figures designed to
accelerate your financial suc-
cess.
Thank you for reading
my financial column in this
paper for over five years now.
If you havent registered for
our workshop series, dont
miss the next series on May
79. Please e-mail or contact
our office for a flyer with all ofthe details and continue to
watch Life and Leisure for
the green flyer appearing
soon!
Mark Charnet, CAS, CSA is
president of American Prosperity
Group, the premier retirement
and estate-planning franchise in
the nation. He has 32 years of
experience in the retirement and
estate-planning field and is thecreator of The Trinity Method of
Investing. He can be reached at
markcharnet@1APG.com, 973-
831-4424 or 1-877-885-1APG
(1274). Check out our websites:
www.1apg.com and www.trini-
tymethod.com. Interested in a ca-
reer in retirement and estate-
planning Check out
www.apgfranchise.com. Securi-
ties through: BCG Securities,
Inc. Member SIPC, FINRA anda registered investment advisor.
Ive added it up: Im married 116 years!
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SALES CENTER LOCATED AT:142 Rt. 23 North, Pompton Plains, NJ
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Michael BorodinskyVice President, Regional Manager
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continued from page 4
visit our website at www.lifeandleisurenj.comMay 1, 2013 Zone 2, Page 25
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always welcomed. For more information call
877-221-1581 or e-mail sbotbyl1@yahoo.com.Toastmasters provide a supportive environ-ment to improve public speaking and leader-ship skills. We meet the first Wednesday ofeach month at Hollywood
top related