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221657_1386333252Dec 11 2013 Z3 LR

221657_1386333252Dec 11 2013 Z3 LR

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Published by: CoolerAds on Dec 06, 2013
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C
hristmas has always beena beautiful thing to me. Iremember growing upwith the anticipation of the day,the gifts and the family time. I wasalways the first one up onChristmas day to inspect the gifts,smell the tree and wait for every-one else to waken. There was atotally different feeling about thistime of year; more than the giftsor different experiences, some-thing amazing was going on that Icouldn’t really explain.I still remember the smell of the tree that stood in the standwelded by my grandfather. We alldecorated it, but it was my job towater it. My mother baked buttercookies that we adorned withsprinkles, chocolate chips, andred and green cherries. I got aMongoose BMX bike with chro-moly frame that I rode in thesnow on Christmas morning. Ieven managed to put my firstscratch on it, too!Family time at my grand-mother’s house was the best part.We ate turkey, ham, kielbasa,mashed potatoes and pierogies,and then watched “Miracle on34th Street” and “It’s a WonderfulLife” in black-and-white.As I grew into a young adult,Christmas lost some of its shine. Ino longer cared about the gifts.My grandparents passed on. Ifound myself having to replacewhat I loved with new experi-ences for my family. Some thingsstayed the same, others changedforever. I had to recapture thebeauty of Christmas. Now as I raise my family, Ihelp them embrace the beauty of Christmas for themselves. Eachyear, I break out the ironChristmas tree stand that mygrandfather welded. It is one of the only things I own from him.We drive to a nearby farm andpick out a tree. My children deco-
Recapturing the beauty of Christmas
 By Jack Redmond 
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Proverbs 3:5,6• God Bless America
Recycled Paper from 30% Post Consumer Waste
December 11, 2013Zone 3, Vol. 11, No. 24
 We are a Family, Friendly Publication
continued on page 12
 
NOTE:
 To have your group’s announce-ment appear in Community Happenings,please e-mail your paragraph to calen-dar@lifeandleisurenj.com.
DEC 13
•Come to the Riverdale Public Libraryon Friday, December 13 at 1pm toenjoy the blockbuster film “The GreatGatsby” starring Leonardo DiCaprio,Carey Mulligan and Isla Fisher. Getcaught up in the story of NickCarraway, a young Midwestern writer, who is thrust into a world of opu-lence. Refreshments will be served!For more information or to registerfor this program, call the library at973-835-5044 or register online at www.riverdalelibrary.org.
DEC 14
•The Bloomingdale United MethodistChurch 65 Main Street, Bloomingdale ishaving a live nativity event on Saturday,December 14 from 3–6pm.Join us as Troxler Hall becomes a BethlehemMarketplace with live animals at the timeof the Census over 2000 years ago!Makea craft at each station and enjoy somesnacks. Great for kids and the best bargainin this hectic season - it is free! Come backto Bethlehem and the reason for the sea-son!Register or send your questions tobethleheminbloomingdale@ gmail.com(just need an accurate headcount for sup-plies).
DEC 15
•On Sunday, December 15 at 7:30pm, OurLady of the Magnificat Church 2 MillerRoad, in Kinnelon will be filled with the joy-ous sounds of the highly acclaimed thirty-five member Christmas Festival Orchestraof New Jersey, conducted by MaestraKaren Pinoci. The Concert’s program willinclude classical favorites and traditionalChristmas pieces sure to delight the heartsand souls of all. For thirty consecutiveyears, the OLM Christmas Concerts haveserved as an enjoyable seasonal interludefor the entire community. Tickets are avail-able starting November 18 by visiting www.olmconcert.com, or calling 973-838-7602 or 973-492-1784.
 Around theCommunity…
visit our website at
 www.lifeandleisurenj.com
December 11, 2013Page 2, Zone 3
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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 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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continued on page 6 
 
C
ategory I. Some peoplebelieve that written insome big book some-where, all Americans are enti-tled to a retirement free of financial stress and worry.There are no prerequisites, lawsor rules listed in their financialplanning bible that ensure thisstress-free retirement, like liv-ing below one’s means fordecades to generate and investthe funds necessary to becomefinancially independent, or therequirement to secure an edu-cation in financial manage-ment. No, these folks are eitherhoping that manna from heav-en will fall from the sky, specif-ically on their roof. They baskin the power of the votingbooth, voting for the systemat-ic destruction of the wealthy,those who made sacrifices andtook the risks to attain andretain their wealth, by taxingthem into oblivion under therouse of “paying their fairshare.” It doesn’t matter toCategory I people that thereare not enough rich people totax to fulfill this objective,even if the tax rate were 100percent of everything they pos-sess!Category II. Other peoplejust plain ignore the facts andresponsibility for proper finan-cial management up to andduring their own retirement. If they don’t think about it, eitherit will just take care of itself orthey’ll worry about it whenthey get there, thinking thegovernment will bail them outand provide for them.Category III. These folksare waiting for, and dependingon, an inheritance to securetheir financial future. Category IV. Thisemployee was terminated forlack of output, a bad attitudeand extreme habitual tardiness.He was written-up for theseoffensives multiple times beforebeing terminated. He immedi-ately showed up at the unem-ployment office to file hisclaim, which was summarilydenied as he was fired for causewith proof, as evidenced by hisown signature acceptingresponsibility from his quarterlyreviews. One week later heappealed the decision and wasimmediately reimbursed for theprevious week and given bene-fits for 99 weeks. Amazingly, hejust got a job at the exactmoment his 99 weeks of unem-ployment checks were about tocease. He is probably also aCategory I individual at thesame time.Category V. There isanother class of people who arepracticing the techniques, fun-damentals and strategies of wealth accumulation for a suc-cessful financial future. Theyhave learned what to do andpractice it every paycheck andmore. They consistentlyengage in self-talk, debatingwants vs. needs. They spendless to save and invest more.They are focused on winningthe money game and the gameof life, of which we are all par-ticipants. These people aretask-driven and will at the veryleast give it their best shot —always! If there isn’t enoughfrom their primary paycheck tosave and invest adequately,these people will secure a sec-ond paycheck from a part-timejob or with the help of a spouseor a partner.Which of the five cate-gories best describes you?Which of the five categorieswould you most like to resem-ble? This should be a rhetoricalquestion, but shamefully, it isnot. I used to believe that mostpeople agreed the job should begiven to the best person, notgiven to a lesser qualified can-didate because of race, color,creed or gender. I used tobelieve that most people wereembarrassed to collect benefitsfrom the government, whetherit was unemployment, foodstamps, disability, housing, edu-cation, medical or any otherform of assistance. I used tobelieve that the majority of people would wish, hope andpray for an opportunity, not ahandout. I used to believe that
Is retirement an entitlement?
 By Mark Charnet
visit our website at
 www.lifeandleisurenj.com
December 11, 2013Zone 3, Page 3
continued on page 4

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