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  • 8/13/2019 221657_1389008608Jan 8 2014 Z2 LR

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    Being sedentary can

    even be more danger-

    ous than smoking. It

    can lead to illness, obesity

    and certain cancers.

    Physical fitness is imperative

    to hinder and decrease therisks of several diseases, as

    well as to help improve

    overall physical and emo-

    tional health. It helps you

    feel better about yourself,

    reduces depression and anxi-

    ety, improves sleep, increas-

    es muscle and bone strength,

    promotes better balance and

    helps to reduce falls.

    The most important

    aspect of physical fitness ismaking sure you find some-

    thing that you enjoy and

    have fun partaking in so that you

    can stay focused and motivated.

    Some people enjoy walking or

    running, or swimming and water

    exercise classes. Those who enjoy

    dancing can take classes such as

    Zumba or line danc-

    ing. Some like a

    more meditative and

    less aerobic approach

    and would benefit

    from getting in-

    volved in a Pilatesor yoga program.

    Others prefer high-

    impact cardio class-

    es, such as kickbox-

    ing, step aerobics

    and spinning. When

    it comes to physical

    fitness, the possibili-

    ties are endless.

    Anything that gets

    your body moving

    and your bloodpumping can make a

    huge impact on your

    overall health and wellness.

    Why not create a new you

    this new year? Start moving! Just

    30 minutes three or four times a

    week can make a huge difference

    in your overall health. Whether

    you start a walking program, join

    a gym or even opt to work with a

    personal trainer to help gain some

    motivation and start working onyour fitness goals, you will be

    making a big step on your path to

    better health and wellness.

    Nicole Cox, a wellness manager with

    10 years of experience, is certified in

    personal training (AFPA), senior fit-

    ness, fall proof, AFAA group fitness

    and kinesis. She is the founder of the

    senior spin class and can be reached

    at the Cedar Crest

    Fitness and Wellness Center inPompton Plains by calling

    973-831-3552. Call today for more

    information on personal training or to

    sign up for the very popular classes

    that are open to the public.

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

    January 8, 2014

    Zone 2, Vol. 12, No. 1

    We are a Family, Friendly Publication

    HEALTH & BEAUTYSPECIAL SECTION

    SEE PAGE 8

    This new year, start moving toward a new you

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

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

    JAN 8

    The Garden Club kicks off the newyear with a tasty treat at ourWednesday, January 8 meeting whenwe host holis tic pract ition er DaleBellisfield, who will speak about

    Chocolate Therapy. Yes! Who doesnot like chocolate? E ven she will enjoythis! Our meetings are held at 6:30pm

    at the Senior House on Route 202 inMontville. We have refreshments,present new speakers at each meeting,and extend warm welcomes to newmembers. Please call Debi at 201-919-0749 for more information.

    JAN 12

    New Year 14 - Ready Home - Back toBasics of readying home for sale onSunday, January 12 at 1pm Bringphoto of home plus photo of worse

    room/area needing staging. Free com-plimentary staging report. Free lightrefreshments and giveaways. Call to

    reserve a seat. Space limited. Contact973- 809-3243 Location 363 Rt 23S

    (next to Spa 23).

    JAN 13

    Finding North Jersey is the nextMontville Township Historical SocietysGlimpses of the Past Lecture Serieson Monday, January 13 at 7:30pm,Montville Township Senior House, 356Main, Montville. What do you think ofwhen you hear about northern NewJersey? Lets discuss thoughts aboutthe area as we come to a better under-

    standing of our home. ProfessorJames Marcum who has lived in the

    area for a long time and has written abook Finding North Jersey: Place,Passage, Experience on the subject willlead the discussion on what is NorthernNew Jerseys identity.

    JAN 14

    Montville Township Chamber ofCommerce info/luncheon has beenrescheduled to Tuesday, January 14.

    Anthony J. Panico, PartnerWithumSmith+Brown, PC speakingabout Healthcare Reform Act Tax

    Issues Update at the Bonefish Grill,28 Rt. 46 W., Pine Brook from 12-

    2pm. This is a must see for businessowners. Cost is $20.00 for member &$25.00 for non-members. Please go tothe Chamber website at www.montvil-lechamber.org to register. PayPal is

    now accepted or call the Chamberoffice 973-263-3310.

    JAN 18

    The Montville United MethodistChurch 29 Whitehall Road ( Route 202)in Towaco, is once again hosting its

    annual Pasta Dinner. The dinner will beheld at the Church on Saturday,January 18 from 4:30-7pm. Ticketsare $10.00 for adults, $8.00 for sen-iors (65 and older), $5.00 childrenaged 5-12 years, with children 4 andunder, free. This price not only includesdinner but a salad, beverage and

    dessert as well. Tickets will be availableat the door. All proceeds from the din-ner will be used to help rebuild homesand the Red Bird Mission School in

    Kentucky. For more information pleasecall 973-334-3924. We look forwardto seeing you there.

    JAN 23

    The Montville Township Chamber of

    Commerce is hosting a Women-to-Women Chamber NetworkingBreakfast on Thursday, January 23 atthe Municipal Bldg., 195Changebridge Road, Montville, lobbyconference room from 8:30-10am.Complimentary continental breakfastserved. Speaker Sharon Kornstein,AICI, CIP founder of Image Design willspeak about Dressing for Your BodyType. How to Build an Effec tive

    Business Wardrobe. Please invite

    other women business associates andfriends. Register online atwww.montvillechamber.org or call theChamber office at 973-263-3310.

    JAN 25

    The Montville United MethodistChurchs upper room ministry 29Whitehall Road (Route202) Towacowill be having a g ently used Clothingand Household Goods Sale onSaturday, January 25 from 8:30am-

    12:30pm in the Educational building.There is a large selection of sizes and

    items to choose from. The profits from

    this sale will help local families inneed. For further information or direc-

    tions call 973-334-3924.

    JAN 26

    The G.F.W.C. Montville TownshipWomens Club and Montville Board ofHealth will sponsor their annual BloodDrive at the Montville First Aid Squad,137 Changebridge Road, Montville, onSunday, January 26 from 10am-3pm.All donors receive a complimentarycholesterol test. Please bring a formof I.D. Remember: Saving the world

    isnt easy. Savi ng a life is. Please bea donor. For more information callJayne Deamer at 973-334-5817.

    FEB 8

    Holy Spirit School Parish Center 330Newark Pompton Turnpike,Pequannock on Saturday, February 8,enjoy a night of laughter featuringprofessional comedians Gary DeLenaand Tom Caldora. Doors open at 7pm.Show begins at 8:30pm.Tickets-$20

    each (coffee and dessert included).Feel free to bring any food, beer,wine, soda or any other beverage of

    your choice to have at your table. Fortickets call Holy Spirit School 973-835-

    5680 or 862-228-3430. To qualifyfor a special drawing, purchase ticketsby January 31, only adults 21 andolder will be permitted to enter. Allproceeds will benefit the children ofHoly Spirit School.

    Around theCommunity...

    January Programs at the Lincoln

    Park Public Library-Make It Yourselfon Wednesday, January 8 from 4:30-5:30pm. All ages. Drop in to theLibrary anytime between 4:30-5:30pm to make a special craft! Joinus for a screening of Turbo on Friday,January 17 from 4:30-6pm. For allages and refreshments will be provid-ed. PG, 96 minutes. Buying and sellinga house:pro tips on Thursday, January

    23 from 7-8pm. Are you currently try-ing to buy or sell a home? Come and

    get some advice from a professionalreal estate agent. Presented by

    visit our website at www.lifeandleisurenj.com January 8, 2014Page 2, Zone 2

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    advertisements that appeal to the entire family; the final determination of which is made by 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. 2014 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.

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    visit our website at www.lifeandleisurenj.comJanuary 8, 2014 Zone 2, Page 3

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    Iwrite my column todayfrom Sunny Singer Island,

    Riviera Beach, Florida.

    Im on vacation for a week

    with my wife, Terry. It is one

    of our only weeks away by

    ourselves since our daughters

    birth 25 years ago. Four yearsago, Terry toured Ireland with

    my daughter while my three

    boys and I went on a man-

    cation to the Dominican

    Republic. In fact, for as far

    back as I can remember, all of

    our vacation time includedour kids! Not that thats a bad

    thing quite the contrary.

    But I still cant believe that it

    has been 25 years since weve

    had a honeymoon week away.

    Its definitely long overdue.

    So, here we are, swimming in75-degree weather, missing

    the kids and wishing they

    were here with us!

    Every time I visit

    Florida, the place my mater-

    nal grandfather migrated to

    upon retirement, I have con-templated the same thing:

    retirement in Florida. Do I

    really want to escape the

    snowy winters fulltime?

    Whenever Papa Jack would

    come back to our area for a

    visit, he would complain

    about the cold, even when it

    was a balmy 70 degrees. He

    said he had acclimated to the

    climate in Florida, hated the

    cold and couldnt wait to get

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    Parents, aunts, uncles,

    and even older broth-

    ers and sisters often

    look on with pride when

    their young relatives receive

    the sacrament of Holy

    Communion. One of three

    Sacraments of Initiation

    within the Catholic church,

    the sacrament of First

    Holy Communion, or the

    Eucharist, is a momentous

    event in the life of a young

    Catholic. To Catholics, First

    Holy Communion is the first

    time they receive the body

    and blood of their savior

    Jesus Christ.Despite receiving First

    Holy Communion at a rela-

    tively young age (most chil-

    dren receive the sacrament at

    the age of seven or eight),

    young Catholics are schooled

    on the significance of the day

    and many of them recognize

    just how it important it is to

    their faith and their family

    members. That significance

    is only highlighted by the

    presence of family and

    friends on the day that young

    Catholics receive the

    Eucharist for the first time.

    Many families celebrate the

    day with a party that com-

    mences after children receive

    the sacrament, and it's cus-

    tomary for relatives to give

    youngsters a gift to commem-

    orate their special day.

    When it comes to gift-

    ing youngsters on their FirstHoly Communion, there are

    certain guidelines many

    Catholics follow, and many

    of those guidelines have to

    do with the new communi-

    cant's gender.

    Are you looking for-

    ward to celebrating

    your childs first com-

    munion this spring? Then

    dont miss the first commun-

    ion expo at Macks Bar and

    Grill in Pompton Lakes on

    Sunday, Jan. 12 from 123pm.The season for first com-

    munions is approaching fast

    and there are several details

    that must be planned in

    advance to make your childs

    special day extra memorable.

    Several local businesses from

    downtown Pompton Lakes

    have joined together to help

    families plan their events.

    The expo is free and

    open to the public. Comebrowse the latest options for

    clothing, haircuts, hair styling

    and accessories, rosaries, kits,

    photography and framing

    options, banners and catering.

    Professional representatives

    from various local businesses

    will be available to meet with

    you, discuss your needs,

    answer your questions and

    inform you about available

    deals and specials.There will also be door

    prizes, raffles, and free give-

    aways.

    The expo is hosted by

    Cinderellas Closet Childrens

    Boutique, Renatos Portrait

    Studio, Cardinal Frame and

    Fine Art, Zaynas Cuts for

    Kids, the Parish Store and

    Macks American Bar and

    Grill.

    The event will be held in the

    new upstairs banquet room at

    Macks Bar and Grill, located at300 Wanaque Ave. in Pompton

    Lakes. For more information,

    call Cinderellas Closet at

    973-839-9000.

    visit our website at www.lifeandleisurenj.comJanuary 8, 2014 Zone 2, Page 5

    FIRST HOLY COMMUNION

    Gift ideas for first-

    time communicants

    A new Bible or a first set of rosary beads make great gifts for young-

    sters who just received their First Holy Communion.

    Free expo helps

    families plan firstcommunions

    continued on page 17

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    back down south.

    Now, at 52, I can relate .

    After skiing for 40 years, I

    gave it up simply because its

    too cold out there on theslopes! I gave away the

    parkas, ski pants and hats. My

    son Zachary, whose feet are

    exactly the same size as mine,

    inherited my equipment. I

    thought golf would become

    my new aspiration and recre-

    ational activity, but Terry

    insists that today is not the

    day! Were too young to

    retire with two high school-

    age boys at home, she says. Ireply that perhaps we are too

    young to retire, but not too

    young to purchase a vacation

    home in Florida that one day

    may morph into our retire-

    ment palace.

    If we owned two homes,one in New Jersey and the

    other in Florida, we could

    live in either whenever we

    wanted to. Staff may be hired

    to do all the necessary chores

    and repairs on both proper-

    ties, leaving me in the most

    rudimentary of positions:

    check-writer, paying others to

    do the hard work! (Im not

    climbing any ladders, paint-

    ing walls or fixing toiletbowls. Those days are over for

    me.) With two houses, the

    kids could finish school in

    Wayne and we could practice

    retiring for a few years, until

    we decided whether to make

    it a permanent decision.At this point, Terry tear-

    fully repeats herself about our

    age, kids and retirement.

    I think my logic is sound, but

    wives have spousal logic that

    husbands just dont under-

    stand most of the time. The

    law we do understand com-

    pletely is, A happy wife is a

    happy life! As a result, my

    conclusion must be that we

    are just too young to retireright now!

    A client of mine once

    described retirement as snug

    as a bug in a rug. If you can

    afford to maintain a lifestyle

    of your choosing, regardless of

    stock, bond, currency, or real

    estate market conditions,

    while enjoying the amenities

    you have aspired to attain

    through your working years,

    as well as protecting yourportfolio from liability risks,

    Scientists in England,

    led by professor Paul

    Sharpe, an expert in

    craniofacial (head and

    brain) development and cell

    biology at Kings College in

    London, have developed anew method of replacing

    missing teeth with bioengi-

    neered material

    from a persons

    own gum cells.

    In his

    work, professor

    Sharpe and his

    researchers isolat-

    ed adult human

    gum tissue, grew

    more of it in his

    lab, and then com-

    bined it with theembryonic cells of

    mice that form

    teeth (mesenchy-

    mal cells). By

    transplanting this

    combination of cells into

    mice, they were able to grow

    hybrid human/mouse teeth

    containing all the elements

    of natural tooth enamel,

    dentin and roots.

    These easily accessiblegum cells are thus a realistic

    source for consideration in

    human bio tooth formation,

    said professor Sharpe. The

    next major challenge is to

    identify a way to culture

    adult human mesenchymal

    cells to cause tooth forma-

    tion.

    Someday, our own gumcells could be used to replace

    missing, broken or infected

    teeth in humans.

    Dr. Peter Brusco is a 1980

    graduate of The University of

    Pennsylvania and has been

    practicing i n Kinnelon since

    1982. Dr. Bruscos practice is

    located at 170 Kinnelon Road,

    Suite 29A in Kinnelon. You

    may reach him by calling 973-838-5862 or visit him on the

    web at www.drbrusco.com.

    Scientists develop

    natural tooth

    replacement By Peter Brusco, DMD

    visit our website at www.lifeandleisurenj.com January 8, 2014Page 6, Zone 2

    Snug as a bug in a rug

    continued from page 4

    continued on page 21

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    visit our website at www.lifeandleisurenj.comJanuary 8, 2014 Zone 2, Page 7

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    As a family caregiver,

    you may find your-

    self facing a host of

    new responsibilities, many of

    which are unfamiliar or

    intimidating. You may betaking care of an aging par-

    ent or a handicapped spouse.

    Or perhaps youre caring for a

    child with a physical or men-

    tal illness. And at times, you

    may feel overwhelmed and

    alone. But regardless of your

    particular circumstances,

    youre facing a challenging

    new role. The following tips

    can help you get the support

    you need while caring for

    someone you love.

    1.Accept your feelings.

    Caregiving can trigger a host

    of difficult emotions, includ-

    ing anger, fear, resentment,

    guilt, helplessness and grief.Its important to acknowl-

    edge and accept what youre

    feeling, both good and bad.

    Dont beat yourself up over

    your doubts and misgivings these feelings simply

    mean youre human.

    2.Ask for help. Even if youre

    the primary family caregiver,

    you cant do everything onyour own. Youll need help

    from friends, siblings and

    other family members, as

    well as health professionals.

    If you dont get the support

    you need, youll quickly burn

    out compromising your

    ability to provide care.

    3.Make time for yourself.

    While youre caring for your

    loved one, dont forget about

    your own needs. Take time to

    relax daily and learn how to

    regulate your stress when you

    start to feel overwhelmed. Its

    also important to stay social.

    Make it a priority to visit reg-

    ularly with friends and fami-

    ly. Dont let yourself become

    isolated.

    4.Care for your body. Exercise

    regularly. Try to get in at least30 minutes of exercise three

    times per week since exercise

    is one of the best ways to

    relieve stress and boost your

    energy. It is also imperative to

    go to all of your regular doc-

    tors checkups. Remember to

    eat healthily and get enough

    rest.

    5.Talk with others. Even

    when you understand why

    youre feeling the way you

    do, it can still be upsetting.

    In order to deal with your

    feelings, its important to talk

    about them. Dont keep your

    emotions bottled up; find at

    least one person you trust to

    confide in.

    Sonia Scott is the owner of

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    visit our website at www.lifeandleisurenj.com January 8, 2014Page 8, Zone 2

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    Delta Dental Provider - 10% Senior Courtesy

    Not an actual patient.

    &Beauty

    How to care for the caregiver

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    Catherine Lawton of Century 21 CrestReal Estate. Please call 973-694-8283or email [email protected] to register for this program.Computer help by appointment. Signup for an individual PC help sessionwith a Librarian. We can offer helpwith a range of topics , includ ing:Microsoft Windows, Microsoft Office(Word, Excel, Powerpoint), web help(Google, Gmail, eBay, Etsy), and socialmedia (Facebook, Twitter, LinkedIn).Please call 973-694-8283 or [email protected] toset up an appointment.

    Calvary Gospel Church, 1559Hamburg Tpk, Wayne. Services; 10am-worshi p Servi ce; 11am-c offee and

    bagels; 11:30am-Sunday School.Other activities; Brick-every secondSaturday of the month at 6pm for 18-30 yr olds; Depression Support Group-every 2nd and 4th Sunday evenings at

    6pm; Floor Hockey for ages HighSchool and up-every Tuesday at 7pm.Please call 973-694-5385 for moreinformation.The Montville Lutheran Church of theHoly Spirit located at 70 River Road,Montville, will be sponsoring aChristian Based program for childrenages 2-3 years old and adult caregivercalled Toddler Connection. The groupwill begin on January 10 and w ill meetfrom 10-11:15am. Care Givers can bemoms, dads, grandpas, grandmas,

    visit our website at www.lifeandleisurenj.comJanuary 8, 2014 Zone 2, Page 9

    Improve Your Overall HealthReceive comprehensive care. We deliver top-quality treatment

    with a caring staff and compassionate touch.

    Sports Injury

    Pain Management

    Most Insurances Accepted - Including Medicare

    Neck and Back Pain Arthritis Headaches / Migraines Extremity Pain Herniated Discs Carpel Tunnel Syndrome

    Balance Orthopedic Injuries Bursitis / Tendonitis Therapeutic Exercise Spinal Stenosis Manual Therapy Scoliosis Motor Vehicle Accident

    61 Beaver Brook Road | Suite 103 |Lincoln Park973-305-0700

    www.advancedwellnesscenternj.com

    Joint ReplacementRehabilitation

    TMJ

    Anju Budhwani, MDINTERNAL MEDICINE ASSOCIATES of

    Lincoln Park

    166 Main Street, Suite 1A Lincoln Park973-694-6260

    Primary Care,

    Sports & School

    Physicals, Asthma,

    COPD, Diabetes,

    Arthritis, Hypertension

    Specializing in Internal Medicine

    & Pulmonary Disease

    Same Day Appointments Available& Evening Hours by Request

    ACCEPTING NEW PATIENTSWe accept all major insurances including:Aetna, Horizon Blue Cross/Blue Shield,

    Cigna, Oxford, Medicare/Medicaid

    &Beauty

    Community Happenings

    continued from page 2

    continued on page 10

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    uncles and aunts. It is a time to meetother parents of toddlers and toengage in activities that will help yourtoddler grow spiritually and education-ally, and to just have fun together. Sosign up today the program is free andis limited to only 10 families. Pleasecall Rev. Dennis Rockett at 201-916-2455 to register your child.Green Pond Bible Chapel is excited tohost along with area churches: Spring2014 Perspectives 15 weeks; 15Instructors; one epic story. Classes areMonday evenings from 6:30-9:30pmJanuary 6 to May 5; biblical, historical,

    cultural, strategic. Get threaded intoGods story this fall as you experienceHis heart for every tribe, tongue, peo-ple and nation and encounter themomentum of the World ChristianMovement. This class will change yourlife - for the good! Youll get a newperspective on Gods heart andeternal desire since the beginningof time. Enroll online at:

    www.Per specti ves.org /Green Pond orCall 973 697 0990. What is perspec-tives? Check it out! Athttp://vimeo.com/5686660.Whether you are still suffering fromthe bleak memories of war or have

    resolved to put it all behind you, PointMan Ministries is for you. Point Man isa Christian ministry dedicated to help-ing veterans find peace with them-selves and the world around them. Ifyou are doing fine after the war, thatsfantastic but dont forget about yourbuddies who are still suffering. Findout 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, andvolunteers from surrounding cities par-

    visit our website at www.lifeandleisurenj.com January 8, 2014Page 10, Zone 2

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

    Oral Cancer Screening

    New Patients Only

    Senior

    Community Happenings

    continued from page 9

    continued on next page

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    ticipates in this worthy project. Evenheart surgery patients have found usefor these comfort pillows. CallChairperson Alexandria Sarra at 973-405-0088 for more information. Allmonetary donations, used to purchasepolyfill for the pillows, should be madepayable to MTWC and should indicateComfort Pillow in the memo. Pleasemail checks to P.O. Box 267, Montville,NJ 07045.Mothers & More is a not-for-profitgroup for both stay-at-home and work-ing moms. It features monthly meet-ings, playgroups, mom-and-tot outings,

    mom-night-outs, and much more.Members are from Wayne and all sur-rounding towns. Monthly meetings areon the first Monday of each month(unless a holiday) at 7:30pm at OurSavior Lutheran Church, 670 NewarkPompton Turnpike, Pompton Plains.

    Prospective members are always wel-comed. For more information call 877-221-1581 or e-mail [email protected] provide a supportiveenvironment to improve public speaking

    and leadership skills. We meet the firstWednesday of each month at HollywoodRestaurant & Pizzeria, 376 FairfieldRoad, Fairfield from 7-9pm Guests arewelcomed. For more information, visitwww.diningtospeak.com.The Montville Senior Citizens Club isopen to all Montville Township residentsaged 55 and older. The club meets everyfirst and third Friday of the month at theMontville Senior House, next to thepolice station on Route 202 South. Weserve coffee and cake at noon beforethe meeting at 1pm. New members andguests are always welcomed. For infor-

    mation, call Celia at 973-227-4591.

    visit our website at www.lifeandleisurenj.comJanuary 8, 2014 Zone 2, Page 11

    ASSOCIATEDEYEPHYSICIANS, P.A.

    www.njeyedoc.com

    Call Today For Our New Extended Early Morning & Evening Hours!

    505 Wanaque Ave., Pompton Lakes 973.835.1222

    1033 Clifton Ave., Clifton 973.472.6405

    973.835.1222 973.472.6405

    Charles D. Crowley, M.D. and his Associates offer eye care for the entire family from surgery to glasses.

    &Beauty

    Community Happenings

    continued from previous page

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    There is a considerable

    financial incentive for

    businesses to want to

    classify workers as independent

    contractors rather than as

    employees. For employees, a

    business is required to pay pay-

    roll taxes and other employee

    benefits such as paid time off

    and pension contributions.

    None of these is required with

    independent contractors.

    Depending on the type of

    business you are in, some busi-

    ness functions lend them-

    selves to being done by con-

    tractors while other functions

    simply are not. The facts and

    circumstances of each case

    will decide the proper treat-

    ment. It is important to get it

    right to avoid the prospect of

    an IRS audit tapping you for

    back payroll taxes, penalties

    and interest.

    So how does one go about

    getting it right? The determina-

    tion is made by reviewing the

    evidence as to the degree of

    control of the business over the

    worker and the job function.

    Does the company have the

    right to control how and when

    the worker does his job? How is

    the worker paid by the hour

    or by the job? Who provides

    the tools and supplies for the

    job? Is there a written contract

    between the parties spelling out

    rights and responsibilities of

    each? Is the job for your compa-

    ny ongoing or does the worker

    perform services for other cus-

    tomers? These and other factors

    will help make the proper clas-

    sification for your workers.

    If your facts and circum-

    stances do not leave you with a

    clear indication as to whether

    or not you have an independ-

    ent contractor, give us a call

    and well review your worker

    classifications with you.

    Brought to you by Robert

    Sokoloff, CPA of Robert P.

    Sokoloff and Associates located

    on Main St. in Lincoln Park,

    NJ. He is a QuickBooks Certi-

    fied Pro Adv isor and hi s firm

    specializes in Tax Compliance

    and Planning, IRS Representa-

    tion , Business Start-Ups and

    Virtual CFO and Bookkeeping

    Services. Robert can be

    reached at (973)-633-1001,

    [email protected]

    or you can visit www.cpanew-

    jersey.com. This inf ormation i s

    designed to be for informational

    use only. Please consult with

    us or your own tax professional

    before applying this general

    information to your

    specific situation.

    Independent contractor or

    employee? The distinction matters

    I

    ts the time of year when

    people make resolutions to

    be a better and healthier

    version of them. So why not

    make resolutions that will

    mutually benefit you and your

    pet? Here are some ideas to

    help you and yours have the

    best year yet.

    Eat more fresh food.

    This may seem like an

    easy resolution.

    However, it takes time

    and preparation. For

    humans, this means

    incorporating more

    fruits and veggies into

    your diet while for pets

    this means ensuring

    that their pet food uses

    ingredients such as

    fresh turkey, salmon

    and duck, fresh omega

    3 and 6 oils (from coconuts

    and canola), wholesome

    berries and fruits and vegeta-

    bles like peas, spinach and

    carrots. Now Fresh premium

    pet food by Petcurean is a

    great example. You can

    learn more about choosing a

    pet food with the freshest,

    healthiest ingredients at

    petcurean.com.

    Get more exercise. Did you

    know pets can decrease our

    blood pressure and cholesterol

    levels and increase our oppor-

    tunities for exercise, outdoor

    activities and socialization?

    Exercising together will not

    only help optimize your health

    but also allow you to spend

    more time together.

    Use that agenda. This does-

    nt seem like a resolution, but

    sometimes making a plan is

    the only way resolutions will

    come to life. Most of us sched-

    ule time for other appoint-

    ments and meetings, so why

    not set aside some priority

    time for pets too.

    Brought to you by Dr. Matthew

    Krupnick, the owner of the Pe-

    quannock Animal Hospital. He

    grew up in Kinnelon and is hap-

    py to be home with his wife,

    three cats and two dogs to

    provide quality and compassion-

    ate care for your pets in the

    community. The Pequannock

    Animal Hospital is located at

    591 Newark Pompton Turnpike

    in Pompton Plains. You can

    reach them at 973-616-0400.

    Ring in the New Year

    with your pet

    visit our website at www.lifeandleisurenj.com January 8, 2014Page 12, Zone 2

    Dr. Matthew Krupnick, D.V.M.

    Full Service AnimalHospital, Specializingin Cats & Dogs

    Complete Medical,Dental & SurgicalServices On Premises

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    FREE ExamNEW CLIENTS ONLY.

    Limit 1 per pet.

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    OpenSaturdays

    PequannockVeterinarian.com

    WHERE YOURPET IS FAMILY

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    Dr. Howard Werfel

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    Testosterone is

    the male hor-

    mone that is

    responsible for develop-

    ing the testes during

    puberty. It contributes

    to male attributes such

    as facial hair and a

    deepened voice, while

    affecting a mans libido

    and even his mood.

    Symptoms of Low-

    Testosterone (Low-T)

    After the age of

    30, a mans testosterone

    levels naturally begin

    to decrease. This

    regression is usually

    gradual and spread out

    over the rest of his life.

    In some cases though,

    the levels drop rapidly, which

    leads to a host of symptoms.

    Some of these may include:

    -Diminished sexual desire

    -Clinical depression

    -Less energy

    -Loss of bone density which will

    appear as a loss of height

    -Decreased strength due to

    depleted muscle mass

    -Weaker erections

    -Obesity, type 2 diabetes, or

    problems with your thyroid

    -Less semen during ejaculation

    -Testicle shrinkage or numbness

    in the testicles

    -Erectile dysfunction

    Causes of Low

    Testosterone (Low-T)

    Among the known

    causes of low testos-

    terone, medical experts

    have defined three

    main factors. They

    believe the condition

    originates either in the

    testes, pituitary gland,

    or the hypothalamus of

    the brain.

    Low testosterone in

    relation to the testes

    can occur due to a

    number of reasons:

    -Undescended testicles

    -Injury to the testicles

    -Cancer therapy in

    response to testicular

    cancer

    -Aging

    -Contracting the mumps in

    puberty or adulthood because

    which leads to an inflammation

    of the testes

    -Genetic conditions such as a

    chromosome abnormality

    When low testosterone is a

    result of a condition in the

    pituitary gland or hypothala-

    mus, doctors may seek out

    one of the following:

    -Damage to the pituitary gland

    caused by a tumor

    -A malformed hypothalamus

    -A decrease in blood flow to the

    pituitary gland or hypothalamus

    -The existence of the HIV or

    AIDS virus because either one

    may inflame the pituitary gland

    or hypothalamus

    We may also ask if youve

    used anabolic steroids or have

    been battling with obesity,

    because both factors can

    interfere with the bodys natu-

    ral production of testosterone.

    Low-T Testing and

    Treatment

    The first test your doc-

    tor should perform when you

    come into the office is a

    blood screening to determine

    where your testosterone lev-

    els are at. In some cases they

    may be already be dangerous-

    ly low before any of the more

    serious symptoms have

    become apparent.

    Whether your symptoms

    have begun to impair your

    quality of life or not, we

    always recommend that you

    pursue some type of treatment

    plan. Ignoring low testos-

    terone can lead to more seri-

    ous conditions over time such

    as a weakening of bone and

    muscle mass.

    Dr. Agresti is currently a fellow

    at the American Academy of

    Anti-Aging Medicine. The key

    to wellness is diet, exercise, and

    proper hormone balance. Dr.

    Agresti is passionate about lead-

    ing patients down the proper

    path to wellness and preventing

    premature aging. If you would

    like to consult with Dr. Agresti

    regarding your current health

    status, please call him and

    973-998-7770 to schedule for

    an appointment

    What is all this talk about Low-TBy Dr. James Agresti

    visit our website at www.lifeandleisurenj.com January 8, 2014Page 14, Zone 2

    Spa 23 Swim School

    Please contact the Membership Department for further informaon.

    Sign Up Now for Winter Classes

    From $4999 a month

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    visit our website at www.lifeandleisurenj.comJanuary 8, 2014 Zone 2, Page 15

    b lif dl i j J 8 2014P 16 Z 2

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    KIDS

    Areview published in a

    2010 issue of the

    medical journal Pedi-

    atrics found that children ben-

    efited from weight training. In

    the review, researchers from

    the Institute of Training

    Science and Sports Informatics

    in Cologne, Germany, ana-

    lyzed studies that focused on

    children and weightlifting.

    The review looked at studies

    going as far back as 60 years,

    finding that children and ado-

    lescents who lifted weights

    grew stronger. Those who par-

    ticipated in strength training

    twice per week gained more

    strength than those who par-

    ticipated just once per week.

    These findings contradict a

    longstanding belief that chil-

    dren do not actually get

    stronger. But while children

    and adolescents may be getting

    stronger, researchers found that

    they do not add as much bulk

    or obvious muscle mass as

    adults. Instead, researchers feel

    the strength changes in chil-

    dren and adolescents stem

    more from neurological

    changes that make their nerv-

    ous systems and muscles inter-

    act more efficiently. Though

    parentshave long worried that

    strength training will stunt

    their children's growth,

    researchers now feel that prop-

    erly supervised strength train-

    ing will not stunt growth or

    lead to growth-plate injuries

    and will perhaps even reduce

    their risk of injury as opposed

    to increasing that risk.

    Did you know?

    visit our website at www.lifeandleisurenj.com January 8, 2014Page 16, Zone 2

    WINTER REGISTRATION

    i it b it t lif dl i jJanuary 8 2014 Zone 2 Page 17

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    When gifting a girl who

    just received the Eucharist

    for the first time, religious

    jewelry can make a great gift.

    A cross or crucifix that

    young ladies can wear as a

    necklace appeals to many

    young girls' love of jewelry

    while allowing them to

    showcase their faith at the

    same time. If not a cross or

    crucifix, a sacramental

    charm bracelet can make an

    ideal gift.

    For boys who just

    received their First Holy

    Communion, a cross or cru-

    cifix also makes an appropri-

    ate gift. Another gift idea for

    boys is a miraculous medal

    that can be inscribed to com-

    memorate the day. Many

    grown men still have the

    medals they received at their

    First Holy Communion and

    consider these medals among

    their most cherished posses-

    sions.

    Of course, not all gifts

    are gender-specific. Books,

    including the Bible, that will

    instill a greater understand-

    ing of the faith and help

    children grow as Catholics

    make great gifts for boys and

    girls. Rosary beads also make

    great gifts for boys and girls.

    Creative gift-givers

    might also want to make a

    DVD or photo album of a

    youngster's First Holy

    Communion, which is a gift

    they can share with others,

    including their own children

    someday, for years and years

    to come.

    visit our website at www.lifeandleisurenj.comJanuary 8, 2014 Zone 2, Page 17

    Developing the Foundation for a Lifetime of School Success!

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    Visit our school and findout how many consecutive

    years over 90% of our

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    Door Locking KeypadSystem

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    Reading Program Hands on Math Curriculum Computers 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 Pool designed forsafety of young children

    Sports/Organized Games

    Arts & Crafts Field Trips/Fun Themed Days Music/Dance In House Events Nature & Science Computers Cooking After Camp Clubs Jr Counselors in Training

    Program (6th-9th grades) Fastrackids

    CelebratingOur42nd

    Anniversary

    KIDSGift ideas for first-time communicants

    continued from page 5 WINTER REGISTRATION

    visit our website at www lifeandleisurenj com January 8, 2014Page 18, Zone 2

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    KIDSvisit our website at www.lifeandleisurenj.com January 8, 2014Page 18, Zone 2

    Physical Therapy - Speech Therapy

    Occupational TherapySensory Integration

    Has your childbeen diagnosedwith...Cerebral Palsy

    Autism

    Developmental Delay

    Balance/CoordinationDisorder

    Hypertonia

    (increased muscle tone)Hypotonia(low muscle tone)

    Down Syndrome

    Spina Bifida

    Metabolic Disorder

    Traumatic Brain Injury

    We can help, give us a call

    973.616.830018 Newark Pompton Tpk

    Riverdale

    WINTER REGISTRATION

    Sean Bolan, 7, of Lincoln Park performs an axe kick break withMaster Yeong Jae Kim holding wood during Master Kims Tiger TaeKwon Do Annual Charity Breakathon held Nov. 23, 2013. The

    students of the school, located in the Kinnelon Mall, raised $1,500from the breakathon for the pediatric clinic of Chilton Hospital. Over

    the past three years, the school has donated $6,500 to the clinic.

    Master Yeong Jae Kim stopped by Chilton Hospitals pediatric clinic on Dec. 12, 2013 to deliver $1,500in checks raised from the Master Kims Tiger Tae Kwon Do 2013 Charity Breakathon. He is pictured

    with Javier Lugo, MD, director of Chiltons pediatric department, and Nancy Porter, manager ofspecial events and stewardship for the Chilton Hospital Foundation. This is the third year that Master

    Kims school, located in the Kinnelon Mall, has donated proceeds from its annual charity breakathon tothe pediatric clinic. To date it has donated $6,500 to the clinic.

    visit our website at www.lifeandleisurenj.comJanuary 8, 2014 Zone 2, Page 19

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    After a long season ofuse, fireplaces need

    to be cleaned. Many

    homeowners think this is a job

    that can be put off until the

    fall, but spring is an ideal sea-

    son to have the chimney and

    flue cleaned and inspected.

    One reason to include scrub-

    bing the chimney as part of

    spring cleaning is to cut down

    on odor. After using a fire-

    place, a buildup of creosote

    forms in the chimney. As theweather gets warmer, creosote

    deposits can start to smell sourand that odor will seep into

    the home. In addition, mois-

    ture can mix with the creosote

    and start to degrade the flue

    liner, necessitating costly

    repairs. The sooner a chimney

    and flue are cleaned the bet-

    ter. A chimney sweep can do a

    thorough job of scrubbing

    down the chimney and fire-

    place and ensuring that every-

    thing will be in working order

    come next season.

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    visit our website at www.lifeandleisurenj.com January 8, 2014Page 20, Zone 2

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    Exercise. Lose the weight.

    Answer every incomingemail.

    Those are the hard

    kinds of New Years resolu-

    tions, because you have to

    think about them every day

    for the rest of the year. Many

    are forgotten long before

    Valentines Day.

    But heres one important

    resolution, one you can fulfill

    today and easily keep all year:

    protect your identity.Identity theft is a fast-

    growing crime, but there are

    ways to reduce your chances

    of being a victim. The identi-

    ty theft protection experts at

    LifeLock recommend doing

    these five quick things today

    to help keep your identity

    safer all year long:

    Use safe passwords

    Are you among the peo-

    ple who use simple passwords

    like 123456 or qwerty or

    abc123 to protect your per-sonal information? Or even

    the word password itself?

    Many people do, so identity

    thieves can often break in just

    by trying the most popular

    passwords.

    To create a safer pass-

    word, avoid using words that

    are in the dictionary. And

    stay away from your own per-

    sonal information, like a

    nickname, pets name orbirthdate. One option is to

    come up with a memorable

    phrase that includes numbers

    and symbols, and use the first

    letter of each word. My

    Tigers are Number One in

    Football! might become

    MTaN1iF! - a good example

    because it uses capital letters,

    lower-case letters, a number

    and a symbol.

    Use multiple passwords

    Stop using the same

    password for every account.Several big companies and

    websites have recently had

    their users personal informa-

    tion stolen by hackers. If your

    password for one site is com-

    promised, and you use thesame password for your bank

    and credit accounts, its much

    easier for a thief to get into all

    of them.

    At least have a different

    password for each account

    that has personal or financial

    information. And consider

    using a password-manage-

    ment program, which lets you

    set more cryptic passwords for

    each site you visit and control

    them with one master pass-

    word.Stash that Social Security

    card

    Do you carry your Social

    Security card in your purse or

    wallet? Dont.

    You may, on a rare occa-sion, need to show a Social

    Security card to an employer

    or a government agency.

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    locked up in a safe place. Your

    Social Security number is a

    thiefs ticket to everything

    from opening new accounts in

    your name to stealing your tax

    refund. Dont run the risk of

    losing it.

    Protect your mail

    Do your bank state-

    ments, credit card bills andutility invoices arrive by mail?

    If your mailbox is outside your

    house, thieves can take those

    bills and collect personal

    information that

    helps them steal

    your identity. And

    once those docu-

    ments are in your

    house and no

    longer needed,

    they can be stolenfrom a trash can or

    recycling bin.

    First, if

    your mail is deliv-

    ered outside your

    home, install a

    locked mailbox.

    And use a shredder,

    or the shredding

    services offered by

    local shipping stores and some

    credit unions, to destroy doc-uments once theyre no

    longer needed.

    But you can also take

    steps to keep that paperwork

    from ever arriving at your

    home in the first place. Have

    bills sent to you electronical-

    ly; youll get them by email,

    save paper, reduce clutter and

    never have to worry about

    stolen mail or shredding. Opt

    out of credit card and insur-

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    amount of unsolicited mail

    you receive by opting out of

    junk mail at www.dma-

    choice.org.

    Be prepared for a loss

    If your wallet or purse is

    stolen, youll want to cancel

    all of your credit and debit

    cards before they can be mis-

    used. Keep a copy of each of

    your cards, or use a digitalwallet program like LifeLock

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    your smartphone from the

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    It gives you instant access to

    copies of your cards and also

    helps you track your balances,

    monitor transactions and can-

    cel cards that are lost or

    stolen.

    Do these things today

    and you can proudly declarethat youll keep at least one

    New Years resolution all year

    long: Protecting your identity.

    You can learn more

    about identity theft, and ways

    to keep you and your family

    safe, from the Federal Trade

    Commission at www.con-

    sumer.ftc.gov and from

    LifeLock at www.LifeLock.

    com/education

    A resolution you can keep all year: The one-day identity checkup

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    Next time you hit the drive-thru for your morning coffee, a quick bite for lunch orwith the kids after school, pay the bill for the car behind you! Your kindness couldmake a difference in someones day!

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    Italian Restaurant

    Findingthe RightRestaurant

    for YourDinnerParty

    Over the last couple of years, dining out has become an even bigger luxury than itonce was. Thanks to the struggling economy, many people have decided to cutback on spending, and dining out has become casualty of such events.

    While the economy is gradually rebounding, dining out is still largely reserved forspecial occasions among those whose memory of the recession is still fresh. However,dining out does remain a strong choice when hosting a special occasion such as a birthdayparty or anniversary celebration. When choosing a restaurant to have such a gathering,consider the following tips to ensure that rare restaurant night out goes off without a hitch.

    NEWwhats

    in dining?

    Look for versatility in a menu. Whendining out, the emphasis is obviously on thefood. Couples might enjoy certainrestaurants they have previously patronized,but that does not necessarily make therestaurant ideal for a party. When shoppingfor a restaurant, look for one that boasts aversatile menu that can cater to a vast arrayof palates. Especially for larger parties, theversatility of the menu is very important.Restaurants that boast a large entreeselection that includes meat, poultry,seafood, and even vegetarian dishes ensureseach guest has options.

    Examine the elbow room. Because diningout has become such a luxury, comfortshould be another key consideration. Look

    for a restaurant that provides ample elbowroom so everyone can relax and wont feelcrowded.

    Be sure there are places to park. Chancesare, most guests will be driving to the party.While it seems like an afterthought, therestaurant should provide ample, and ideallyfree, parking. Avoid restaurants that chargefor valet service or inquire if such servicecan be included on the tab ahead of time.

    Reserve well in advance. If its a trulyspecial occasion, be sure to begin the process

    of finding a restaurant as early as possibleand make a reservation the moment adecision is made. Reservations can alwaysbe cancelled should things not work out.

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    visit our website at www.lifeandleisurenj.comJanuary 8, 2014 Zone 2, Page 23

  • 8/13/2019 221657_1389008608Jan 8 2014 Z2 LR

    23/28

    Experimenting is part of

    the joy of cooking.Altering recipes for old

    favorites can open your eyes

    to new and delicious alterna-

    tives. For those who want a

    new take on burgers, consider

    the following recipe for Lean

    & Green Dill Salmon Burgers

    With Creamy Cocktail Sauce

    from Michelle Dudashs

    Clean Eating for Busy

    Families (Fair Winds Press).

    Lean & Green DillSalmon Burgers with

    Creamy Cocktail Sauce

    Makes 4 servings

    For the burgers:

    1 1/4 pounds wild Alaskan

    salmon, skinned, boned, cut

    into 6 large chunks

    1/4 cup stemmed fresh dill (or

    4 teaspoons dried dill)

    1 scallion, cut into 4 pieces

    2 teaspoons Dijon mustard

    2 teaspoons sherry vinegar (orred wine vinegar or rice vine-

    gar)

    2 teaspoons reduced-sodium

    soy sauce

    1 small garlic clove

    1/4 teaspoon freshly ground

    black pepper

    Expeller-pressed canola oilspray

    4 whole-grain hamburger buns

    1 avocado, thinly sliced

    8 slices tomato

    1 cup leafy salad greens

    Lemon wedges

    For the sauce:

    3 tablespoons olive oil mayon-naise

    4 1/2 teaspoons cocktail sauce

    To make the burgers:

    Preheat grill on medium

    heat to 375 F. Add 3 pieces of

    salmon, along with dill, scal-

    lion, mustard, vinegar, soy

    sauce, garlic, and pepper, to afood processor and run until

    mixture becomes pasty. Scrape

    down the sides of the bowl

    and add remaining salmon.

    Pulse a few times until chunks

    become bite-size pieces.

    Gently form salmon into

    4 patties, not overworking, to

    make a tender burger. Lightly

    coat the cut sides of buns with

    spray. Oil the grill and place

    burgers on grate; cook for 4minutes on the first side and 2

    minutes on the flip side. Place

    cut side of buns on the grill to

    toast, right after flipping the

    burgers. Remove patties and

    buns from grill.

    Recipe notes:

    If fresh dill isnt available

    (dill season peaks in summer

    and early fall), substitute flat-

    leaf parsley.

    You can make your owncocktail sauce with 1 table-

    spoon of natural ketchup, 1

    teaspoon of horseradish, and

    1/2 teaspoon of lemon juice.

    If you dont feel like grilling,

    saute the patties in 2 tea-

    spoons of olive oil in a large

    frying pan over medium heat.

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

    Have a Healthy andProsperous New Year

    from Life & Leisure!

    A new approach to burgers

    visit our website at www.lifeandleisurenj.com January 8, 2014Page 24, Zone 2

  • 8/13/2019 221657_1389008608Jan 8 2014 Z2 LR

    24/28

    Patricia Wojtszyn, bro-

    ker/owner of Century

    21 Crest Real Estate, is

    pleased to announce that in

    recognition of her outstand-

    ing sales production and

    commitment to quality serv-

    ice, real estate sales associate

    Danielle Fiorina received the

    presidents Producer Award.

    The annual award is

    bestowed upon those

    Century 21 system sales asso-

    ciates who earn the Century

    21 Centurion Award and the

    Century 21 Quality Service

    Pinnacle Producer Award in

    the same calendar year.

    The Centurion Pro-

    ducer Award honors Century

    21 System sales associates

    who earn $190,000 in sales

    production or 60 closed

    transaction sides within a

    calendar year.

    To earn the Century 21

    Quality Service Pinnacle

    Producer Award, a sales asso-

    ciate must receive completed

    customer surveys for at least

    30 percent of his or her

    transactions from January

    1October 31, with an aver-

    age survey score of at least 95

    percent or better for two con-

    secutive years. Danielle also

    earned the New Jersey

    Association of Realtors Circle

    of Excellence Award at the

    BLOOMINGDALE $349,800

    $1,418 per month30Yr Fixed w/0 points.4.5/4.596% APR

    POMPTON LAKE $124,900

    $506 per month30Yr Fixed w/0 points.4.5/4.736% APR

    WAYNE $579,900

    $2,351 per month30Yr Fixed w/0 points. 4.5/4.566% APR

    WEST MILFORD $439,900$1,783 per month

    30Yr Fixed w/0 points.4.5/4.580% APR

    WEST MILFORD $299,900

    $1,216 per month30Yr Fixed w/0 points. 4.5/4.609% APR

    Ryan Barry

    Mortgage BankerNMLS# 183464

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

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

    CENTURY 21 CREST REAL ESTATE, INC.142 Route 23 North, Pompton Plains, NJ 07444(973) 686-1500 (800) 950-5021

    OWN THESE HOMES FOR...To Qualified Buyers.

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    Call today for a FREE Mortgage Pre-qualification

    POMPTON PLAINS $299,900

    $1,216 per month30Yr Fixed w/0 points. 4.5/4.609% APR

    POMPTON PLAINS $379,900

    $1,540 per month30Yr Fixed w/0 points.4.5/4.590% APR

    RIVERDALE $499,000$2,023 per month

    30Yr Fixed w/0 points. 4.5/4.573% APR

    POMPTON PLAINS $779,000$3,158 per month

    30Yr Fixed w/0 points. 4.5/4.554% APR

    RIVERDALE $199,900$800 per month

    30Yr Fixed w/0 points. 4.5/4.654% APR

    Mortgage Payments listed above are based on principal and interest only and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR basedon a 740 credit score as of December 27, 2013. Terms for Condos listed above are subject to meeting Fannie Mae Guidelines. This information is not to be considered a commitment to lend. Programs andterms are subject to change without notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ, NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35286. Equal Housing Lender.

    BUTLER $950 per mnth PEQUANNOCK $2,175 per mnth

    BUTLER $189,900

    $770 per month30Yr Fixed w/0 points.4.5/4.549% APR

    JEFFERSON TWP $899,000$3,644 per month

    30Yr Fixed w/0 points. 4.5/4.549% APR

    POMPTON PLAINS $239,900

    $972 per month30Yr Fixed w/0 points 4.5/4.631% APR

    POMPTON PLAINS $224,321$909 per month

    30Yr Fixed w/0 points.4.5/4.639% APR

    POMPTON PLAINS $429,321$1,740 per month

    30Yr Fixed w/0 points. 4.5/4.582% APR

    POMPTON LAKES $180,000

    $730 per month30Yr Fixed w/0 points. 4.5/4.669% APR

    RENTAL RENTAL

    Century 21 Crest real estate agent receives prestigious

    Producer Award

    continued on next page

    visit our website at www.lifeandleisurenj.comJanuary 8, 2014 Zone 2, Page 25

  • 8/13/2019 221657_1389008608Jan 8 2014 Z2 LR

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    gold level for her sales excel-

    lence in 2012 and has been a

    top producer in the area for

    eight consecutive years.

    We are thrilled to rec-

    ognize Danielles work for

    this momentous achieve-

    ment, said Rick Davidson,

    president and CEO of

    Century 21 Real Estate. This

    is an outstanding honor since

    only a small percentage ofagents in the U.S. received

    this award for sales.

    Fiorinas extensive mar-

    ket knowledge, marketing

    skills, dedication and expan-sive network provide her

    clients with exceptional serv-

    ice to reach their goals. As a

    previous business owner with

    an accounting background,

    her analytical experience pro-

    vides for thinking outside the

    box and commitment to get

    the job done. For more infor-

    mation about buying or sell-

    ing a home, contact Danielle

    Fiorina with Century 21Crest Real Estate at 973-460-

    4352 or danielle.fiorina@

    century21.com.

    [email protected]

    NJAR MILLION DOLLARSALES CLUB 2001

    NJ CIRCLE OF EXCELLENCE2002-2012Consistent

    TOP PRODUCERin the WAYNE area.

    Townhome Specialist Relocation Agent

    CALL MARIA at973-986-6914 Cellfor CURRENT MARKET VALUE OF YOUR HOME

    SHORT SALE AGENTOwe more than your home is worth?

    GEMINI LLC Realty 973-696-1111x131

    197 Berdan Ave., Wayne, NJ

    MARIA FERRITO

    NEW LISTING

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    KINNELON $625,000Smoke Rise-Impeccable custom 4BR/3.1BA homew/vaulted ceilings/Fam Rm/FP/2C Gar./W/O LL.KIN3801

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    KINNELON $850,000Smoke Rise-Spec. Cust. Exp. Ranch/open Flr. plan/updated Kit w/Viking stovetop/wine cooler/granitecountertops. KIN3896

    KINNELON $835,000Smoke Rise-5BR/3BA Cust. Co. nestled on 2.15Acs/3C Gar./SR is a priv. gated Comm. w/24Hr. Security.KIN3914

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    KINNELON $1,599,000Smoke Rise: Spectacular cust. estate w/unparalleledfinishes/detail & design. 14Rm French Country Est.KIN3755

    KINNELON $539,000Smoke Rise-Spacious/Bright & clean 4BR/2.2BAhome/freshly painted interior/exterior. Dir: Rte. 23S/NGate-Speak to Guard. KIN3780

    KINNELON $625,000Smoke Rise-Enjoy fabulous views from this customblt 4BR/2.1BA home. SS Appl/Brick FP/2C Gar./gatedComm. KIN5606

    KINNELON $699,000Smoke Rise-Fab 4BR/2.2BA Contemp./cul-de-sac/open flr. plan/high ceilings/lots of windo ws/numerousupdates in last year. KIN5615

    KINNELON $1,800,000Smoke Rise-Highest standard of quality/workmanship/attention to detail. A visual feast. Truly a work of art.KIN2048

    KINNELON $499,000Smoke Rise-Wonderful 2BR/2.1BA Cape w/numerousrenovations 2010-203/2C Gar./excellent curb appeal.KIN3946

    OFFICE 973-696-6660 x140 or CELL 973-725-8810

    Fax 973-694-3915 [email protected]

    JOAN LA GRECAREALTOR

    991 Hamburg Turnpike Wayne, NJ 07470

    Great location. Cul-de-Sac. Clean &Bright Townhouse. 2Bedrooms 21/2 Bths. LR/DR combo. Sliderdoors to deck. Master BR, MasterBth, Walk-in-Closet. Newer win-dows, ductwork, doors, faucets,

    hrdwd flrs, C/A. Partial finishedclean Bsmnt, High Ceilings. 1 cargar. Walk to visitor Prkg. Close totransportaion, schools, shopping &restaurants.

    WAYNE $329,900

    WAYNE $450,000

    Happy New Years to All My Family, Customers and Friends!!!

    Magnificent property. Priced to sell.Sold as-is, Colonial home on2,799sqft. 9ft ceilings, EIK/diningarea. FDR(tray ceiling), L/R, FamRmw/fire pl. Master BR & Master Bth,Attic, unfinished clean bsmnt. Muti-zone heat and C/A. 2 car attachedgarage. 2 car width driveway for ap-prox 6 cars. Fabulous lot. Close toschools, transportation, shopping &restaurants.

    Please call "JOANIE"I promise to bring

    Results - "SOLD"!!!

    Circle of Excellence

    Sales Winner 2012

    Weichert Pride Award

    for OutstandingCustomer Service

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    MOVING & STORAGE INC.

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    Fully InsuredSenior Discounts

    Century 21 Crest real estate agentreceives prestigious Producer Award

    continued from previous page

    visit our website at www.lifeandleisurenj.com January 8, 2014Page 26, Zone 2

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    0051 AUTOMO-

    BILES WANTED

    WE BUY CARS !

    WE BUY TRUCKS !RONNIES IN

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    WE PAY FOR

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    HELP WANTED0280 - 0329

    0294 HELPWANTED FOOD

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    Needed:Pizza MakerCounter Person, P/T

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    SERVICES

    0610 - 0959

    0655 SERVICES

    CARPET

    G&S Carpet

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    0684SER.COMM/RESI.

    CLEAN

    Aidas Cleaning

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    0827 SERVICES PAINTING

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    0815 SERVICES MASONRY

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    INSURED BONDED

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    Quality

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