1431691318may 20 2015 Z3 LR PDF

Proverbs 3:5,6 God Bless America
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Recycled Paper from 30% Post Consumer Waste
May 20, 2015

Zone 3, Vol. 13, No. 10
Memorial Day throughout the Nation By Jack Mc Cabe
ts the summer of 1865 in

Waterloo, New York, and
druggist Henry C. Welles
had an idea. The Civil War

had just ended, and Welles
idea was to place patriotic
flowers on the graves of soldiers who had died for the

cause. Nothing happened
about this thought until the
spring of 1866, when Welles
brought his plan to Civil War
hero General John B. Murray,
who completely supported the
idea. In a committee run by
Welles and General Murray,
on May 5, 1866, the village of
Waterloo was decorated with
evergreens and mourning
black, along with flags at halfmast. Ceremonies and the decorating of graves took place at
three cemeteries, as residents,

civic society members, and
veterans marched to and from
the grave sites led by General
Murray and martial music.
Waterloo celebrated the
following year on May 5, then
joined with other communities
in holding the observance on
May 30, 1868, in accordance
with General Order Number
11
by
General
John A. Logan, National
Commander of the Grand
Army of the Republic. This
first observance saw flowers
placed on the graves for

Decoration Day of both Union
and Confederate soldiers in
Arlington National Cemetery.
This is one of many stories as to how Memorial Day
began with several cities and
towns claiming to have started
the holiday. Womens groups
say that they were decorating
graves in the South before the
Civil War ended, especially in
a hymn not published until
1867 by Nella L. Sweet called
Kneel Where Our Loves Are
continued on page 10
visit our website at www.lifeandleisurenj.com
Page 2, Zone 3
NOTE: To have your groups announcement appear in Community Happenings,

please e-mail your paragraph to
calendar@lifeandleisurenj.com.
MAY 20
For the Birds on Wednesday, May 20
from 4-5pm. Welcome spring by upcycling materials into colorful feeders for
our feathered friends. For grades 4-6.
Registration is required. Call 973-8355044 or go online at www.riverdalelibrary.org to register.
MAY 25
Bloomingdale/Butler/Kinnelon
-
Memorial Day Parade scheduled for

Monday, May 25 at 9am starting on Van
Dam Ave. in Bloomingdale.
MAY 27
There will be a College Planning
Seminar at Butler Public Library on
Wednesday, May 27, from 6-7:45pm,
presented by College Benefits Research
Group. High school students and their
parents, please come to this worthwhile
seminar. Topics are: how to choose the
best college for your student and your
pocketbook, getting into your dream college and 5 questions you must have
Over 10 Years Experience
answered before applying to college. This

free program is limited to 25 participants.
Sign up by visiting www.CBRG.info or call
888-802-2740. Butler Public Library is
located at 1 Ace Road, behind the municipal building, on the internet at www.butlerlibrary.org or by phone 973-8383262.
LEGO Lab on Wednesday, May 27 from
4-5pm. You bring your imagination, well
supply the LEGOs! For grades K-5.
Registration is required. Call 973-8355044 or go online at www.riverdalelibrary.org to register.
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Sales: Lisa Buniewski, Larry Johnson, George Papendick, Denise Wirsing i 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 Life & Leisure. Views expressed in Life & Leisure are
those of the respective columnists and writers, and do not necessarily reflect those of the publisher, or Life & Leisure. Advertising is open to anyone
desiring 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 the
author and are in effect advertisements. Publication of any advertisement does not constitute, either implied or inferred, an endorsement of services,
products or businesses advertised. 2015 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.
JUN 1
Water Music: use fountains, waterfalls
and ponds to create an oasis in your garden on Monday, June 1 at 7pm. Weve all
enjoyed natures serenity when weve
encountered a rippling brook or waterfall
while hiking or traveling, but where is
that spot when we need it most? This
presentation by Master Gardener
Barbara Katz will help you re-create
those serene moments in your yard or
add a new dimension to your garden. For
more information, call the library at 973835-5044
or
check our website at www.riverdale
library.org.
JUN 5
St. Anthonys Columbiettes, 65 Hamburg
Turnpike Butler, will have their 5th
Annual Pocketbook Bingo Fundraiser on
Friday, June 5 at 7pm (doors open at
6pm). Tickets: $15.00 per person. Price
includes: 1 packet of Bingo Boards (3
Boards each game) and snacks on the
May 20, 2015
table. A small tricky tray featuring gifts

from Vera Bradley, Coach and Michael
Kors will be at this event. Daubers will be
on sale for $2 each or bring your own.
Cash Bar will be available. Please feel
free to bring your own food. For tickets
please contact Lisa 973-492-8540, Cathe
201-723-5935 or email sacolumbiettes@yahoo.com.
JUN 8
Passaic County Court Appointed Special
Advocates (CASA), a non-profit organization dedicated to advocate for abused and
neglected children in foster care, will hold
their 6th Annual Tricky Tray on Monday,
June 8 at The Westmount Country Club in
Woodland Park at 6pm. Tickets are $50
per person and include entrance, passed
hors doeuvres, a three course dinner, one
sheet of regular tickets, and one bonus
door prize ticket. To reserve a ticket,
please call 973-832-4002. To ensure
group seating, please submit reservations
together. Passaic County CASA is also
accepting donations for raffle items;

donations received prior to June 1 will be
listed in the event program.
JUN 12
Friday Movie Matinee on Friday, June
12 at 1pm. View a recent blockbuster
movie presented on our big screen.
Refreshments will be served. For the
movie title and more information, call the
library at 973-835-5044 or
check our website at www.riverdale
library.org.
JUN 22
Adult Summer Reading Program registration starting Monday, June 22 at
10am. Join the Riverdale Public Library
in celebrating summer by participating in
our 2015 Adult Summer Reading
Program Escape the Ordinary. Pick any
book you like and simply let us know
what you read. The more you read, the
more chances you have to win prizes.
Please register in person at the Library or
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Page 4, Zone 3
May 20, 2015
Married couple gets divorced yet stays together so what changed?

By Mark Charnet
great
deal
has
changed, in fact, a
lot more than you
might think, at first glance.
Firstly, the couples friends,
family and acquaintances are
confused as to why they got
divorced in the first place,
given that nothing has really
changed in their eyes.
However, there is a major
change in the eyes of the state
and federal governments,
employer retirement plans
and the tax treatment of any
former spouse beneficiaries of
any life insurance policies and
annuities. This change is a
really big deal, indeed!
Whether or not this couple resides under the same
roof, they are legally no longer
married in the eyes of the law
and no longer entitled to the
tremendous spousal benefits
at the death of the first spouse.
IRAs allow for a non-taxable
spousal rollover that disappeared with the divorce
decree. A non-spouse, named
as the employers 401k or pension plan beneficiary, will no
longer enjoy the right to rollover the proceeds of the
account into their name taxfree. Ex-spouses can no longer
roll-over the proceeds of a
non-qualified tax-deferred
annuity without paying tax on
the deferred gains in the
account.
Ex-spouses can no longer
take advantage of spousal discounts in the purchase of a
long-term care policy. Ex-
spouses may lose the pension

benefits of their former
spouses pension plan due to
their divorce as well, whether
receiving benefits currently or
at their ex-spouses death.
And if married less than a cer-
tain period of time and

divorced, they might lose
spousal Social Security benefits as well!
State and Federal Estate
Tax rules allow for the tax-free
passing of assets between
spouses; this too would be lost
upon divorce. This one item
may trigger the largest loss to
the survivor of the former
married couple.
These are but a few of
the items that change when a
couple gets divorced and for
all intents and purposes,
remain married as was
before. There may be a lot at
stake that perhaps the attorney forgets to mention when

first approached by a married
individual looking to discuss
divorce.
Upon a divorce, employer retirement plans usually
result in a negotiated settlement to the non-employee
spouse called a Quadro, the
acronym for a Qualified
Domestic Relations Order.

For couples that remain
together yet get divorced, this
could very well be a bitter pill
as the benefits offered by the
current plan may not be surpassed or duplicated in an
IRA or the recipient spouses

employer 401k plan. This is
one serious area that might be
considered when contemplating divorce, if the future is to
be that the couple remain
together.
Then there are the legal
expenses incurred by both
parties to consider. If there is
no big, glaring, overwhelming
reason or many reasons to get

divorced and after considering
the points brought to light in
this column, maybe planning
a divorce should be postponed, if the couple desires to
remain together as a couple
anyway.
Divorce rate statistics are
very high in our society. Just
ask any school age child how
many of his or her peers parents are divorced and the
numbers may frighten you.
Lets also not forget the cost of
duplication, the purchase of
another home and everything
that goes into it from pots and
pans, sheets and towels, furniture, utility bills and property
taxes too. After contemplating everything involved, you
might even find your spouse a
little more agreeable to live
and work with. If not, you
may always remain friends or
friendly as the case may be.
Divorce is much more
that a legal battle; it has consequences of taxation, income
today and tomorrow as well as
quality of life. In my career,
Ive counted more than a few
couples who were former married couples now living
together, with caring feelings
for each other that would be
better served in the future
when one passes if they
remained married. The good
news is for a few dollars and
an appointment at the courthouse, they can marry again.
Let me know your
thoughts by writing or email-
ing me at the contact info

below. For those that do
divorce where the thought of
remaining a couple would be
out of the question, a meeting
with a financial advisor may
be just as important as the
meeting with the divorce
attorney. To that end, I make
myself available and with no
cost or fee.
Mark E. Charnet, CAS, is
President and Founder of
American Prosperity Group.
APG is the Premier Retirement
and Estate Planning Franchise
in the United States with 20 offices in 10 states. Mr. Charnet
has over 33 years of experience
in the Retirement and Estate
Planning fields. Creator of the
Trinity Method of Investing,
Mark encourages your inquiries
and can be reached at: 973831-4424 or via email,
markcharnet@1APG.com
Check out our website:
www.1APG.com Interested in
a career in retirement and estate
planning? Check out this website: www.APGFranchise.com
Securities through: United Planners Financial Services, a limited partnership. Member SIPC,
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2nd floor, Pompton Plains, NJ
in the Lakeland Bank and
PediatriCare building.
May 20, 2015
Simple techniques to
help you relax
inding ways to relax can

improve life at home and
at the office. While its
not often easy to find time to
slow down, especially for those
men and women juggling the
responsibilities of career and
family, the following are some
simple techniques that dont
take much time but can have a
positive impact on your day.
Take some time out from
multitasking. The ability to
multitask is a cherished commodity for parents and working
professionals alike, but men
and women can benefit from
periodic breaks from their
everyday
juggling
acts.
Something as simple as focusing on a single task for 30 minutes at a time, as opposed to
checking emails while preparing dinner or working on a
project while answering a
clients phone call, can help
lower stress levels and have a
lasting and calming effect on
your nerves.
Make time to meditate
every day. Studies have shown
that meditation can affect the
circuitry in the brain, positioning it to more adequately
respond to illness and stressful
situations. Meditation has the
added benefit of being a relaxing exercise, as meditation
encourages people to sit with
their feet on the floor with
both eyes closed in a relaxing
setting that is free of external
distractions.
Walk away from your desk
and couch. Its well documented that spending too much
time sitting at a desk can have
a negative impact on your
health. In addition to elevating
a persons risk of heart disease
and diabetes, sitting at a desk
all day long has been linked to
repetitive stress injuries, obesi-
ty and back pain,

each of which can
contribute to stressful
living
conditions
that make it difficult
to relax. Men and
women should spend
at least five minutes
each hour walking,
whether they are getting up from their
desk at work or getting off the couch at
home. Doing so takes
little time, but it can
help to relieve stress
at work and at home
and improve your
overall health.
Practice yoga. Yoga is
another activity that can help
men and women relax. Yoga
involves a series of poses that
helps stretch the muscles and
aid their recovery from everyday aches and pains, including

those that often result from
stressful experiences or days at
the office.
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Page 6, Zone 3
May 20, 2015
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o you really want a

good nights sleep?
For 30 years brothers
Joe and Peter Mantione of
Wayne Bedding have been
asking this very question of
the thousands of patrons that
have visited either one of
their stores, which are conveniently located at 1154
Hamburg Tpke in Wayne
and 90 Main Street in
Bloomingdale. While the
past 30 years have seen a
shift from family owned businesses to mega stores Wayne
Bedding has held its ground
and continues to offer that
special personal service that
only a family owned business
can offer.
Selection? You bet!
Wayne Bedding carries name
brand mattresses, iron beds
and furniture like Sealy,
Stearns
and
Foster,
Tempurpedic and Wesley

Allen. Their Bloomindale
location also carries a large
selection of bedroom furniture like Vaughan Bassett,
Legacy Kids and NE bedrooms. They pride themselves on providing outstanding customer service with no
pressure sales and the best
delivery service possible.
They also specialize in custom sizes, 2 sided mattresses,
adjustable bed bases and
memory foam mattresses.
They deliver to as far as
the Jersey Shore, New York
City
and
parts
of
Pennsylvania. Not only are
they known for their fabulous customer service but
they continually receive
praise for those who make
the deliveries! Of course the
proof of a solid retail business
are repeat customers, and
By Joe Pellegrino
Wayne Bedding has them

even to the third generation!
Joe says We will go out of
our way to accommodate
every customers needs.
Senior
citizens
always
receive special attention for
their special needs such as a
mattress with a head lift.
We have the lowest
prices anywhere and for our
30th celebration we are
offering an additional 15%
discount off our low ticketed
prices on all furniture and
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with every mattress set purchased. For more information please call our Wayne
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May 20, 2015
Zone 3, Page 7
Page 8, Zone 3
May 20, 2015
IRS warns: Thats not us calling you
ake a deep breath

before responding to
any communication
about your tax return and
verify that the query is actually
from the IRS. Why the need
for caution? The contact may
be from a bogus IRS agent who
intends to steal your financial
identity.
The scam can take many
forms and often starts with an
official-looking e-mail complete with IRS logo that warns
you of a problem with your
return. To correct the situation,
youre instructed to click on an
embedded link. The link sends
you to a website that asks a
series of personal questions.
Answers you supply can be
used to file fraudulent tax
returns or extract money from
your bank accounts.
Another tactic is a phone
call from a fake IRS agent
demanding
information.
Sometimes the phone call will
follow a recent e-mail intended
to make the communication
seem legitimate. The caller
might even know the last four
digits of your social security
number.
Here is what you need to
remember: The IRS will never
initiate contact with you by email.
How can you stay safe
from scams? If you receive an
out-of-the-blue e-mail purporting to be from the IRS, do not
click any link or reply in any
way. If you receive a phone call
about your tax return, do not
provide any personal details.
Simply note the callers information and disconnect.
Whether youre contacted by e-mail, phone call, or
standard mail paper notice,
please call our office immedi-
ately. Well help you determine

if the communication is real
or not and guide you on the
best way to respond.
Robert P. Sokoloff and Associates,
PC, is a year round full service
CPA firm providing a wide range
of Accounting and Tax services to
both Small Business and Individual Clients. We are QuickBooks
Certified Pro Advisors and provide
new business set up, training and
support. Our office is located at
166 Main St. Lincoln Park, NJ
07035. Our website is
www.cpanewjersey.com and
email is rps@cpanewjersey.com.
To contact us by phone please call
973-633-1001.
ForGUYSonly!
May 20, 2015
Things dont work right because the messages from your brain
which are supposed to tell your body how to work are not going
through your spinal cord completely. Picture an electric circuit with
a dimmer switch that is turned down part way.
hich of course means mostly women will read this. So

when your wife, girlfriend, or significant other hands
you this, read it guys. It could save your life and your
relationship.
Look, Im 58, Ive been receiving chiropractic adjustments for a long
time. I havent had the need for any medication in forty years or
so. And I sure as he** dont need any stinking Viagra or Cialis. And
neither do my male patients who have been getting regular adjustments, and some of them have 15 and 20 years on me!
This is simple guys, it aint rocket science. Everyone knows that

your brain runs your whole body.
That means everything. You know
your spinal cord delivers the messages from your brain to your body
that tell your body to do what you
want it to do and need it to do. If
those messages dont go through
your spinal cord 100%, then your
body isnt working at 100%. That
could mean heart problems, high
blood pressure, stomach issues, or
other parts that dont do their job.
Look, your back might not hurt. But neither do all cavities. Your
spinal bones can be subluxated, which means that your spinal
bones are twisted, pressing on your spinal cord, slowing down messages to your body parts. Having spinal subluxations does not
mean your back will hurt, but it does mean that your body parts
are not getting messages they need in order to work properly.
Zone 3, Page 9
Having subluxations in your spine can be causing all kinds of body

parts to malfunction. It could mean back pain, high blood pressure,
heart problems, indigestion or kidney or liver problems or low
blood pressure in some parts when you need them to have high
blood pressure (a.k.a E.D.)
Get your spine checked guys. Spinal
subluxations can cause all kinds of
health problems. Do it for yourself.
Do it for the beautiful person who got
you to read this.
Call Dr. Gary C. Stewart,D.C. today for

your spinal exam at 973- 835-5773.
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May 20, 2015
Memorial Day throughout the Nation

continued from page 1
Sleeping. Maybe it would be

safe to say that Memorial Day
had its start in numerous
places wherever the celebration of the patriotic dead was
carried out.
To go back to its beginnings, the first state to officially recognize what was originally called Decoration Day
was New York in 1873, fol-
aside a day to mark the end of

the war or as a memorial, such
as Sharpsburg, Maryland
(Antietam
Battle-field),
Charleston, South Carolina,
Petersburg, Virginia, and
Columbus, Mississippi.
The popularity of the day
and the use of poppies were
heightened in 1915 with the
December publishing of the
World War I poem In
lowed by all the Northern

states by 1890. However, the
South refused to acknowledge
the observance, honoring
their dead on separate days
until after World War I, when
the holiday changed from
honoring just those who died
fighting in the Civil War to
honoring Americans who
died fighting in any war.
Southern communities set
Flanders Field by Lieutenant

Colonel Dr. John Mc Crea.
Inspired by the poem, Moina
Michael replied with her own
four-line verse extolling the
use of the red flower on graves
and on clothing.
Governor Nelson A.
Rockefeller signed a proclamation on March 7, 1966,
that the State of New York
officially recognized Waterloo
as the birthplace of Memorial

Day. The Congress of the
United States passed House
Concur-rent Resolution 587
on May 17 and May 19, 1966,
in Waterloos favor. Also, on
May 26, 1966, President
Lyndon B. Johnson signed a
Presidential
Proclamation
recognizing Waterloo.
The National Holiday
Act of 1971 made every last
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Monday in May the national

observance of Memorial Day.
This ensured a three-day
weekend for all involved, but
it has come under criticism by
some veterans groups, who
feel that the three days takes
away from the feeling of the
observance. Several southern
states have an additional separate day for honoring the
Confederate war dead, such as
January 19 in Texas, April 26
in Alabama, Florida, Georgia,
and Mississippi; on May 10 in
South Carolina; and June 3 in
Louisiana and Tennessee.
Memorial Day in 2015
falls on Monday, May 25, and
however you choose to spend
it, whether by a cookout or
going to a parade or both, is
totally personal. Memorial
Day is a time of reconciliation
and
remembrance,
and
whether you know the sol-
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May 20, 2015
Memorial Day throughout the Nation

continued from previous page
diers name(s) or not, it is a

period to think of what they
have done for us. Many have
made the ultimate sacrifice in
giving their lives for what we
as Americans believe, and no
matter what shape our nation
is in, we should honor them
on Memorial Day and in
thought every day of the week.
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Zone 3, Page 11
Page 12, Zone 3
May 20, 2015
Brought to you by
Dr. Matthew Krupnick,
the owner of Pequannock
Animal Hospital
Get your dog in shape
umans are not the

only animals that
may get a bit pudgy
around the middle and tip the
scale in the wrong direction.
Mans best friend also may put
on some extra pounds, necessitating a workout plan to get
back into shape.
According
to
the
Association for Pet Obesity
Prevention, 53 percent of
adult dogs in the United
States are classified as overweight or obese by their veterinarians. Yet, pet owners are
sometimes unaware that their
prized pooches are overweight.
Overweight dogs and
cats face some of the same
health risks as overweight

men and women. Musculoskeletal problems, such as
degenerative joint diseases,
and back problems have been

linked to obesity, as have
heart disease and respiratory
problems. Diabetes and heat
or exercise intolerance are

other side effects of being
overweight.
But a pets weight is not
591 Newark Pompton Turnpike

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Dr. Matthew Krupnick, D.V.M.
the lone indicator of how

healthy the animal is, and the
ideal weight can vary from
dog to dog. A body condition
score is helpful in determining
a pets ideal body weight.
Some indications a dog may
not be at a healthy weight
include:
-a belly that hangs below the rib
cage area
-a belly that moves when the dog
moves, unless the dog is pregnant or has just given birth
-inability of the owner or vet to
feel the dogs ribs in the rib cage
-a waddle of skin on the neck of
dogs where excess skin isnt
indicative of the breed
-no visual indication of dogs
waist
-inability of the owner or vet to

feel the bones near the base of
the tail
-a less active lifestyle, including
avoiding exercise and play
-excessive panting
Keeping a dog in shape is
one of the best things you can
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May 20, 2015
Zone 3, Page 13
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We Participate with Delta Dental 10% Senior Courtesy
Page 14, Zone 3
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Riverdale
May 20, 2015
Pequannock Valley Rotary Run

for Marge Memorial 13th Annual Race
lans are under way for

the Thirteenth Annual
Run for Marge Memorial
5K to be held on Sunday, June
14 at 8am in Greenview Park,
Pequannock. The event is
expected to attract nearly 500
participants and is perfect for
all age groups. It includes
walkers and runners, with a
wheelchair division as well as
a Kids Run. The race also
offers 5 year age group awards,
tech shirts for runners and online registration.
A pre-registration discount is offered when applications are entered or postmarked
by
June
1.
Applications may be obtained
at Pequannock Township
Town Hall, Jones Hardware,

online
at
www.compu
score.com or by contacting
Mary or Dan Shumeyko at
973-835-9253 or mshumeyko
@optonline.net.
The Run for Marge is a
USA Track and Field Grand
Prix Certified Course Event,
featuring a flat and fast course
with mile markers, 2 water
stops, Compuscore timing
with chip times, restrooms,
and traffic control for added
safety. Awards will be given to
the top 3 overall male and
female runners and wheelchair racers, as well as the top
male and female runners in
each of 5 year age groups.
Refreshments, entertainment
and goodie bags will also be

provided.
We are again excited to
present the Panther Pass
challenge, offering a sponsorship opportunity as well as a
unique race activity.
Again this year we will
offer pre-race packet pick-up:
Saturday, June 13 at Senior
House (next to Municipal
Hall) in Pompton Plains from
3-5:30pm.
Funds raised for this
event will provide scholarships in Marge DeMichinos
name, assist local families,
and contribute to the
Pequannock Valley Rotary
Welfare Fund.
May 20, 2015
Zone 3, Page 15
SUMMER REGISTRATION going on now!
Planning a family-friendly vacation now

vacation prospects at their
disposal. If this is the year
your brood bucks tradition
and tries a new vacation destination, explore these familyfriendly possibilities.
Find a location with
hands-on
activities.
Children may grow bored of

simply taking in the sights.
Vacations that enable them
to do instead of just see
may be more enjoyable. Visit
locations with touch museums or science centers that
encourage kids to get in on
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Flexible scheduling for 1-5 days of camp per week. Parents provide snack and lunch daily.
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Games & Stories Based on Weekly Themes
2.
ld-fashioned family
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family traditions. Such excur-
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Ages 8-11; 9am - 1pm; $175 per week
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Families have plenty of
Students must register for the full week. Proper dance attire and shoes required.
Parents provide lunch daily. Students will have a 30-minute lunch break.
Daily Schedule Includes: Jazz, Ballet, Acro, Lyrical & Tap

94 Wanaque Ave., Pompton Lakes & 261 Comly Road, Lincoln Park
973-839-7800 Call or Register online www.thepaa.com
the action. Historic locales

may do demonstrations or
reenactments of how life was
in eras past. Remember to
include children in the family activities and give things a
try, such as helping paddle a
canoe or light a fire on a
camping trip.
Dont overlook smaller
theme parks. While kids may
have their hearts set on traveling long distances to the
widely popular theme parks,
do not rule out options closer
Page 16, Zone 3
May 20, 2015
We are the Source We Grow and Sell Direct to you

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Page 18, Zone 3
May 20, 2015
How to make your renovation a successful, positive experience

By Scott McGillivray
n the United States, renovation spending has more

than doubled since the
late 1990s, reaching nearly
$65 billion last year alone.
Oftentimes the investment a
homeowner makes is substantial, both financially and emotionally. The stakes are high.
Thats why its imperative that
the job is done well from start
to finish. There are a number
of steps a homeowner can take
to ensure a positive experience and a successful outcome, including:
1. Know your goal. Ask the
question, What is this renovation designed to accomplish? More functionality?
4. Opt for a general contractor and trades that are

experienced, licensed and
insured. Dont hesitate to
check credentials and references. Get recommendations
from family, friends and colleagues who have had work
done and were satisfied with
the results.
5. Start with quality building
materials. When it comes to
home renovation and construction, the adage, its
whats on the inside that
counts seems apt. While
homeowners tend to get
caught up in the aesthetics of
a project, such as finishings
and paint colors, the key to a
Storage? Living space? If a

homeowner doesnt know
where theyre going with the
renovation, chances are
theyll never get there.
2. Do your research. In most
things, knowledge is power,
and knowing what to expect,
in advance, can keep expectations in check. Investigate
options, budgets and timelines, and arrange financing in
advance.
3. Hire professionals. Be sure
that they are happy to work
with you to meet your budget
and achieve your vision.
Communicate clearly and
often to ensure understanding
on both sides.
successful renovation often

lies in what you wont see.
Investing in quality behind
your walls will ensure durability, comfort and safety for
years to come.
6. Focus on the basics. This
includes quality electrical,
plumbing, HVAC, framing
and drywall. Dont underestimate the importance of insulation - especially in a basement renovation. Not all
insulation is created equal.
Opt for insulation that is fireresistant, sound absorbent and
resistant to mold, mildew,
bacterial growth, and rot. In
my renovations, I like to
continued on next page
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May 20, 2015
How to make your renovation a successful, positive

experience
use products like Roxuls

Comfortbatt and Comfortboard IS to help achieve a
more energy efficient home,
buy you valuable time in the
event of a fire and prevent
moisture issues that can pose
health risks and lead to costly
repairs.
7. Develop a good plan. This
includes preparing for the
unexpected. Setting aside a 20

percent contingency fund will
help bring you to the finish
line when unanticipated
issues creep up.
Lastly, the key to a successful renovation includes
patience. Living in a construction zone - or alternately
moving out while the work is
done - can be stressful and trying. Keep your eyes on the
prize. Theres nothing more

rewarding than the end result,
which can bring years of
enjoyment and ultimately add
to your homes bottom line.
Scott McGillivray is an
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contractor, author, and educator. Follow him on Twitter
@smcgillivray.
To Advertise in Life & Leisure Call 973-696-8008
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Zone 3, Page 19
Page 20, Zone 3
WASH & SEAL
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WAYNE POWER
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House Washing
Roof Washing
Community Happenings
by phone at 973-835-5044. For more

information, please call the library at
973-835-5044 or check our website at
www.riverdalelibrary.org.
Hot Water Washing for the cleanest results

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May 20, 2015
HONEST ANSWERS
Around the
Community
Butler Library card holders can checkout Free Museum Passes with $30 cash
deposit which will be returned when the
passes are returned. We have passes for:
The Intrepid Sea, Air & Space Museum,
The Morris Museum and Grounds for
Sculptures. Plan your trip and come check
one out soon. For more info check:
www.butlerlibrary.org /museum-passes/
Butler Public Library is located at 1 Ace
Road, behind the municipal building, on
the internet at www.butlerlibrary.org, or
by phone 973-838-3262.
Join us for New Computer Classes for
Beginners presented by Cindy Meneghin,
Director of Student Communications at
Montclair State University on Friday, June
5 from 10:15-11:15 am, Topic: Surfing
the Web and Friday, June 19, from
10:15-11:15am, Topic: Creating an Email Account. These free programs are
limited to 10 participants in each class;
please call 973-838-3262, or stop by the
library to pre-register. Butler Public

Library is located at 1 Ace Road, behind
the municipal building, on the internet at
www.butlerlibrary.org, or by phone 973838-3262.
The Reformed Church in Kinnelon
announces Precious Playtime, monthly
Saturday evening babysitting for families
of children with disabilities. For detailed
information regarding the babysitters
qualifications and the program specifics
call 973-838-3113 or www.reformedchurchkinnelon.org.
Join Storytime for Infants, Toddlers, and
Preschoolers. For 2-year-olds with a caregiver, theres Totally Twos on Mondays
from 10:15-10:45am. For infants with a
caregiver, check out Baby Time on
Mondays from 11-11:30am. For 3 to 5year-olds, come to Preschool Pals on
Tuesdays from either 10:15-11am or
1:30-2:15 pm. Registration is required.
Call 973-835-5044 or go online at
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www.riverdalelibrary.org to register.
Step into a Story at your local library!
The Morris Area Youth Services (MAYS)
group brings you a month-long program
where you can visit your local libraries
and step into your favorite childrens
books. Enter to win a prize at each
library. The more libraries you visit, the
better your chances of winning! Stop by
Riverdale Public Library to fall down the
rabbit hole into Wonderland! No registration necessary.
Therapy Dog Reading Program at
Butler Public Library is for any child
who wishes to practice reading aloud.
Come meet Joey a friendly, golden
retriever who listens well. Read the
story of your choice on Friday, June 12
from 3:30-4:30pm. Register for this
free program. Limit of 4 children each
week. Please call 973-838-3262, stop
by the library, 1 Ace Road, or visit
www.butlerlibrary.org.
Butler Library presents Kids Book Clubs.
Jr. Book Club meets Mondays at 5pm for
ages 5-8, and at 6:30pm for ages 8-12.
We read and discuss a story together. The
sessions run throughout the year. Each
child receives a free copy of the book.
Parents are required to remain in the
Library during the program. Visit our
website www.butlerlibrary.org or call
973-838-3262.
Weekly computer assistance for beginners at Butler Public Library on Tuesdays
from 11am-12pm presented by volunteer Paul Pilmanis. This free program is
May 20, 2015
Zone 3, Page 21
5 signs your home insulation is not working
ome insulations can lose

performance over time,
sustain damage or simply
no longer meet updated building codes. Its an issue that can
be costly, because if your
homes insulation isnt doing its
job, you could be wasting
money and resources.
You dont have to be a
trained professional to know
you have a problem. Here are
several signs that your insulation is lacking:
1. Energy bills - High energy
bills are the biggest red flag,
especially relative to the size,
age or condition of the home. If
you have a run-away energy
bill, your insulation may need
to be upgraded. This can be the
case, even in a newer home.
its time for an upgrade. But be

careful, as certain types of older
insulation, such as Vermiculite
insulation,
may
contain
asbestos. If youre unsure, do
not disturb it and hire a professional to conduct testing
and/or removal. This should
not be a do-it-yourself job.
5. You detect pests and/or
moisture - Insulation - and
your building envelope - can
be compromised by the presence of pests. Moisture is an
even bigger obstacle to optimal thermal performance, as
some types of insulation can
sag or collapse when damp,
leaving voids and causing air
to flow in and out of the
building envelope.
While some solutions
2. Drafts - Do you need to put

on a sweater even with the
heat on, or does your air conditioner run incessantly without
making enough of a difference?
Thats a sign of a deficiency in
your building envelope.
3. Inconsistent temperatures Is it warm in one room, but
cold in another? Are your walls
or interior closets cold to the
touch? Its possible that while
your whole home may not need
attention, certain rooms may
need to be addressed.
4. Condition of insulating
materials - Consider the age of
your insulation. Would it stand
up to todays building codes? Is
it in good shape or is it crumbly? If your insulation has
degraded or isnt performing,
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may be more complicated,

requiring the opening of the
existing wall cavities, others
can be addressed more easily.
The best way to improve thermal performance and increase
energy efficiency is to upgrade
attic
insulation.
Laying
Comfortbatt insulation over
existing material to achieve a
minimum depth of 16 inches,
or an R-value of R50, is a simple DIY project that can generate immediate results. To fully
assess your home and explore
remediation solutions, consider hiring a professional home
energy auditor to evaluate your
homes energy performance.
Even in a new home, the
results may be surprising.
Page 22, Zone 3
May 20, 2015
May 20, 2015
Planning a family-friendly vacation now
Get your dog in shape
to home. Smaller parks may

not have every attraction, but
they do boast a variety of
activities and rides that can
keep children occupied for
hours. Remember that amusement parks reach peak capacity when kids arent in school.
It may be wise to vacation at
off-peak times to avoid the
crowds and save time spent
waiting in line.
Choose places of cultural
impact. Family vacations do
not need to be limited to riding roller coasters. Children
can learn a lot and take away
lasting memories from vacations that open childrens eyes
to something new. Visiting a
large city, such as Los
Angeles, New York, Chicago,
or Atlanta, can be a vacation
in education. Metro areas
boast attractions that can
excite children, including tall
buildings, museums and public transportation hubs just
waiting to be explored.
Families venturing internationally may want to see the
cultural centers of Rome,
London or Athens.
Consider a family resort.
If a beachside adventure is
your familys idea of the perfect retreat, explore your
options with regard to family
resorts. For an all-inclusive
price, these resorts may couple
food packages with accommodations and activities to keep
families happy. Check with
popular hotel chains to see if
they offer all-inclusive packages in destinations your family wants to visit. Parents who
are pressed for time often find
all-inclusive resorts offer great
values and dont involve too
much advanced planning.
Go off the grid. A memorable family vacation does
not have to be spent in the
heart of it all. Booking a
campsite location and then

spending a few days in the
great outdoors allows families
to get back to nature while
enjoying an inexpensive vacation. Families can camp in
lodges or basic cabins, or
rough it outside in a tent.
Some families enjoy the benefits of renting an RV and visiting various campsites on their
vacations. Let the activities
unfold as you explore different
trails and backroads along the
way.
Family-vacation season
is around the corner. No matter where travelers end up, the
ultimate goal should be to
have fun, experience something new and spend quality
time together with loved
ones.
but it also can be a sign of a

serious condition. If a routine
exam and blood work come
up normal, then you can
begin a plan for helping Fido
shed the weight.
Consider a new food. There
are many different types of
foods on the market, including low-calorie options. Some
foods contain extra fiber to
help the dog feel fuller without having eaten as much.
Also, look for foods with lean
protein sources without grains
and other filler.
Break up the feeding
schedule. Instead of one
large meal a day, feed your
dog two or three smaller portions of food, which will help
keep his metabolism going
all day long.

Become joint joggers.
Jogging with a dog can
become an enjoyable pastime
that enables you both to get
exercise and stay in shape.
Take up swimming. Many
dogs are natural lovers of
water, and swimming is an
effective, low-impact exercise.
Teach your dog tricks.
Physical tricks, like fetching a
ball or rolling over, can keep
dogs active.
Go for long walks. Take
your dog with you wherever
you go. The more he or she is
up and moving, the less
chance there is to sleep and be
lazy.
Dr. Matthew Krupnick is the
owner of the Pequannock Ani-
Zone 3, Page 23
m
Cats suffertofroo!
obesity
mal Hospital. He grew up in

Kinnelon and is happy to be
home with his wife, three cats,
and two dogs to provide quality and compassionate care for
pets in the community.
The Pequannock Animal

Hospital is located at 591
Newark Pompton Turnpike in
Pompton Plains. You can reach
the hospital by calling
973-616-0400.
Page 24, Zone 3
TAKE-OUT DINE-IN
Serving the Area Since 1990
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The time has come for grill

masters to gear up
rilling season has

returned for the millions of people who
live in regions where grilling is
unlikely to happen during the
winter months. While standard
fare like hot dogs and hamburgers may suffice for backyard
barbecues with lots of friends
and family, when the party is
smaller, grill masters may want
to up their games and try their
hands at something new. Tri tip
steak is cut from the bottom of
the sirloin and is popular on
the West Coast of the United
States, but this cut, which is
suited to marinating and rubbing, can be enjoyed anywhere.
Those who want to give

tri tip steak a shot may find it
sold as bottom sirloin roast in
their local grocery store or
butcher shop. But once you
find the right cut, the following
recipe for Grilled Tri Tip with
Black Olive Aioli courtesy of
Bill Niman and Janet Fletchers
The Niman Ranch Cookbook (Wiley) is sure to please
you and your guests the next
time you fire up the grill.
Grilled Tri-Tip with Black
Olive Aioli
Serves 4 to 6
1 tri tip steak, 2 pounds
1 tab olive oil
2 tab fresh rosemary leaves,
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chopped
1 tab freshly cracked black pepper
cup finely chopped pitted
oil-cured black olives
1 cup aioli (see below)
1 tab coarse sea salt
Cayenne pepper
Place the steak in a small,
nonreactive baking dish.
Combine the olive oil, rosemary and black pepper in a
small bowl and stir well. Rub
the mixture evenly over the tri
tip. Cover with plastic wrap
and refrigerate for at least 8
hours or up to 24 hours.
Remove the tri tip from
continued on next page
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May 20, 2015
Zone 3, Page 25
The time has come for grill masters to gear up

the refrigerator 1 hours before

cooking.
Prepare and light a charcoal grill for direct cooking.
Add the olives to the aioli
and season with cayenne.
When the grill is at its
hottest (when the coals are red
and glowing and its too hot to
hold your hand over the grill
for more than a couple of seconds), remove the tri tip from
the marinade, wipe off any
excess marinade, and season on
both sides with sea salt. Place
the steak on the cooking grate
directly over the coals, cover
the grill, and cook, turning
once, for about 20 minutes, or
until a thermometer inserted
into the thickest part reads 130
F for medium rare. Transfer to a
cutting board and let rest for 5

to 10 minutes.
Cut the tri tip into thin
slices across the grain and
arrange on a platter. Serve with

aioli.
Aioli
Makes about 1 cup
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To make the aioli in a

food processor, place the garlic
and salt in the work bowl and
process to chop as finely as possible. Add the mustard and
lemon juice and pulse to combine. Add the egg yolks and,
with the motor running, add
the olive oil in a slow, thin,

steady stream until all of it has
been incorporated and the
mixture is thick and completely emulsified.
Cover and refrigerate for
up to 24 hours until needed.
$
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1 small clove garlic

tsp kosher salt
1 tsp Dijon mustard
2 tsp fresh lemon juice
2 egg yolks
1 cup olive oil
To make by hand, chop
the garlic and salt together on
a cutting board until a paste
forms. Transfer to a deep mixing bowl and wrap a damp
towel around the base of the
bowl to keep it from sliding
around the counter as you
work. Whisk in the mustard,
lemon juice and egg yolks.
While whisking continuously
and vigorously, add the olive
oil in a slow, thin, steady
stream until all of it has been
incorporated and the mixture
is thick and completely emulsified.
Any Catering Order $100 or More

DANNYS PIZZA
WITH THIS AD. Not to be combined w/any other offers. Exp. 6/30/15
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www.DannysPizzaNJ.com
2 PLAIN PIES
20 WINGS
(1) 2 LITER SODA
$
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Plus Tax. Take-Out or Delivery only.

Additional toppings extra. Not to be combined w/any other offers. Exp. 6/30/15.
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DINE-IN or TAKE-OUT FREE DELIVERY CATERING AVAILABLE
Page 26, Zone 3
May 20, 2015
Century 21 Crest Real Estate establishes

Crest Gives Back initiative
F
Thinking of selling?...
Consider one of the
Top Selling Agents
from these pages.
or the past 40+ years, if

you ask local residents
about Century 21 Crest
Real Estate, you will most
likely hear of the exemplary
treatment they received when
purchasing their home here in
Pequannock/Pompton Plains.
But there is another story you
may also hear....one in which
a group of giving and generous
individuals who care about
the communities they serve.
The professionals at
Century 21 Crest Real Estate
have been volunteering their
time and giving generously to
various
Township
and
Community programs for
decades. To honor these pro-
fessionals,
Owner/Broker
Patricia Wojtyszyn has established the Crest Gives Back
initiative. I have been proud
of the generosity of this group
of professionals for years.
Crest Gives Back gives us
the opportunity to acknowledge their altruistic endeavors.
Whether it be flag planting along the Turnpike for
Memorial
Day,
serving
Thanksgiving Dinner at New
Bridge Services or volunteering at Grains of Hope and
Relay for Life. In addition to
supporting Township athletes,
the Pequannock Valley
Rotary, Boys and Girls Club,
the local FBLA chapter, and

helping out local families in
need, Century 21 Crest Real
Estate has been there through
the years. The bottom line is
that we really care about our
community. When you think
about it, it makes sense. We
are in the business of helping
people realize their dreams of
home ownership. We really
get to know these people
they become friends, and they
are important to us. said
Marie
Episale,
Broker/
Manager.
Recently, over a dozen
agents and their families volunteered their time to pack-
age meals for Pequannock

Grains of Hope, an organization that addresses world
hunger by providing food to
those in need. This years
event benefited Haiti and the
New Jersey Food Bank. The
event was introduced to
by real estate agent, Addie
Scattaglia. When asked why
this event is so importan
to her, Addie responded,
Everyone who gets involved
with this event comes away
feeling that it was very worthwhile, and knowing that they
have done something to make
others lives a little bit better
now that they have food for
their families. As much as

153,600 meals were packed in
5 hours, which surpassed our
goal. It is wonderful to watch
our community come together
to help others. I look forward
to this event every year.
Century 21 Crest Real
Estate is located at 142 Rt. 23
North in Pompton Plains.
Call 973-686-1500 for more
information on their Crest
Gives Back initiative.
To Advertise in Our
Real Estate Section
Call 973-696-8008
MARIA FERRITO
Professional Full Service Realtor
at
CALL MARIA
973-986-6914 Cell
for CURRENT MARKET VALUE

OF YOUR HOME
TOWNHOME SPECIALIST
RELOCATION AGENT
maria.ferrito@century21.com
NJ CIRCLE OF EXCELLENCE
2002-2014
Consistent
TOP PRODUCER
in the WAYNE area.
~ SHORT SALE AGENT ~

OWE MORE THAN
YOUR HOME IS WORTH?
WAYNE $349,999
Langdale 3BR 2.5BA End Unit.

Townhome on cul-de-sac.
GEMINI LLC Realty
Sliders to deck, finished
973-696-1111x131
basement.
Newly sided.
197 Berdan Ave., Wayne, NJ
SAFEWAY VAN LINES
MOVING
Professional Moving Service

Since 1952
Make Your Next Move

a Safe One
FREE
ESTIMATES
Licensed & Insured
Lic#000245
201.214.3558
www.safewaypianomovers.net
May 20, 2015
Coldwell Banker (Miller); 10"; 9.75"; Black; -
Zone 3, Page 27
KINNELON $429,000
KINNELON $469,000
KINNELON $575,000
KINNELON $580,000
KINNELON $599,900
KINNELON $649,900
Hospitable 3BR/2BA Ranch w/Mountain View

on 1.03 Acres. Wood-burning stove, Wood
Flooring. 2C GAR. MLS 3218105
Find a real haven in this delightful 3BR/2BA

split-level. 2 Fireplaces, FDR, Zoned
heating/cooling. MLS 3208649
Smoke Rise-Welcome to this tempting

5BR/2+BA Col. ideally set on 1.50 Acs. Cozy
fireplace, MBA, 2C GAR. MLS 3211983
Smoke Rise-4BR/2+BA Col. on cul-de-sac,

1.41Acs. Cozy F/P, Wood Flooring, MBA, Pantry,
BSMT, 2C GAR, numerous updates. MLS 3210735
Smoke Rise-A charming aura comes with this

impressive Col. ideally sited on 1.31 Acs.
5BR/3.1 BA, Swimming pool. MLS 3212563
Smoke Rise-Custom 5BR/4+BA Lake-View

Ranch ideally set on 1.30 Acs, 3FPS, dramatic
beamed cathedral ceilings, Patio. MLS 3211718
Kinnelon 973-838-9300
Kinnelon 973-838-9300
Kinnelon 973-838-9300
Kinnelon 973-838-9300
Kinnelon 973-838-9300
Kinnelon 973-838-9300
KINNELON $694,900
KINNELON $750,000
KINNELON $850,000
KINNELON $879,000
KINNELON $1,095,000
KINNELON $2,180,000
Smoke Rise-A real delight! You will marvel at this

4BR/2+BA home overlooking a pond on 1.92 Acs,
Security system, 2Fplcs. MLS 3217779
Savor 4.35 Acres of peaceful privacy! Impressive 4BR/3+BA wooded-lot Ranch with all the
comforts of home. Fplc. MLS 3213711
Smoke Rise-Answer your most cherished

dreams w/fenced 5BR/2+BA Lake-view Col. 3C
GAR, 2Fplcs, Deck. MLS 3215865
Smoke Rise-Discover the charm and elegance pervading this Custom 4BR/5+BA Contemporary positioned on 1Acr, 3C GAR, Deck. MLS 3210217
Settle down in quiet elegance, or entertain vibrantly, in this splendid 5BR/3+BA Colonial, 3C
GAR, Fireplace. MLS 3217885
Smoke Rise-Discover classic comfort w/classic

style in this Custom 6BR/5+BA Park-area Col.
positioned on 3.12 Acs. 5C GAR. MLS 3200849
Kinnelon 973-838-9300
Kinnelon 973-838-9300
Kinnelon 973-838-9300
Kinnelon 973-838-9300
Kinnelon 973-838-9300
Kinnelon 973-838-9300
LIVINGSTON $1,799,900
NORTH HALEDON $749,800
RIVERDALE $217,900
TOTOWA $315,000
WAYNE $369,900
WAYNE $398,888
Custom expansive luxury home w/6BR/7.1BA.

Impressive 10,000 sqft home w/spectacular IG
pool, hot tub, pool house. MLS 3216659
Impressive 5BR/3BA CH Col-3,700sqft of luxury

living, Custom Design Gourmet Kit, Formal Rms,
Great Rm, Tranquil, 3C GAR. MLS 3203504
The Grande 1BR 762sqft Chestnut model. Great

Lifestyle. 2 Clubhouses, Pools, Gyms, Billiards,
and More! In convenient location! MLS 3217064
3BR Ranch w/nwr Kit, SS appl, Granite, Dual Conv

Oven, HW Flrs, Full Bsmt & More on cul-de-sac +
2C GAR near elem school. MLS 3206255
Impeccable updated 3BR Townhome w/oversized

MBA and Bonus 3-Rm Heat Lower level + pool
& tennis. Near shops & bus. MLS 3212984
3BR Ranch w/nwr Kit,SS appl, Granite, Dual Conv

Oven, HW Flrs, full Bsmt & More, on cul-de-sac
+ 2C GAR, near elem school. MLS 3217112
WAYNE 973-694-8000
WAYNE 973-694-8000
WAYNE 973-694-8000
WAYNE 973-694-8000
WAYNE 973-694-8000
WAYNE 973-694-8000
WAYNE $399,000
WAYNE $449,900
WAYNE $545,000
WAYNE $589,900
WAYNE $627,500
WAYNE $1,299,000
Charming 3BR 2Bth PinesLk home w/Lake

views, LR/Fplc, lge Deck, Sprinklers, new Furnace + CA. Walk to Beach! MLS 3216773
Well maintained & spacious 4BR End unit Twnhm

w/Flr to Ceil Wdws, HW Flrs, beautiful finishes,
Fin W/O Bsmt + great views! MLS 3217213
Great location-Prestigious Urban Club Estates on

.75+Acre! Expansive 3BR Ranch w/FLR, DR, EIK,
FamRm w/Fplc. Near everything! MLS 3212725
Clean & bright 3BR/2.5BA Ranch w/EIK, FDR, LR,

FamRm w/Fplc, Offc, HW Flrs, Lndry-Mud Rm,
2C GAR + lots of prkg in driveway. MLS 3197474
Beautiful 4BR/2.5BA totally Renov w/FDR & LR

w/Custom woodwork, updtd Kit, HW Flrs, Fam Rm,
Fplc, Fin lower level, private yd. MLS 3220573
Stately 5BR/4.5BA Country Manor home combining craftsmanship & luxury at its best! Approx
5,200sqft of living space. 3C GAR. MLS 3214231
WAYNE 973-694-8000
WAYNE 973-694-8000
WAYNE 973-694-8000
WAYNE 973-694-8000
WAYNE 973-694-8000
WAYNE 973-694-8000
Page 28, Zone 3
May 20, 2015
May 20, 2015
Zone 3, Page 29
142 Route 23 North

Pompton Plains, NJ 07444
CALL
TODAY
973-686-1500
C R E S T R E A L E S TAT E
SMARTER. BOLDER. FASTER.
AWARD-WINNING CENTURION OFFICE
LINCOLN PARK $289,000
POMPTON PLAINS $448,888
KINNELON $474,900
WAYNE $219,000
WAYNE $559,900
WEST MILFORD $329,975
3.75/3.869 APR
3.75/3.822 APR
3.75/3.819 APR
3.75/3.883 APR
3.75/3.811 APR
3.75/3.843 APR
3.75/3.854 APR
$917 PER MONTH
$1,663 PER MONTH
$1,759 PER MONTH
$811 PER MONTH
$2,074 PER MONTH
$1,223 PER MONTH
$1,071 PER MONTH
Raised Ranch!
2 BR, 1 BA
Custom Cape!
4 BR, 1.1 BA, 2 CAR GAR.
Location, Location, Location!

4 BR, 2 BA, 2 CAR GAR.
Cul-De-Sac!
2 BR, 1.1 BA, 1 CAR DET O/S GAR.
Elegant End Unit Townhome!

Motivated Seller!
4 BR, 2.1 BA.
Location, Location, Location!

2 BR, 2.1 BA.
POMPTON LAKES $315,000
RIVERDALE $1,349,800
SALES Agent for the Month of April
WANAQUE $235,000
BELLEVILLE $290,000
3.75/3.875 APR
3.75/3.854 APR
$871 PER MONTH
$1,074 PER MONTH
Great Price, Great Home!

4 BR, 2 BA.
Charming Remodeled Cape!

3 BR, 1 BA, 1 CAR DET GAR.
LISTINGS Agent for the Month of April
COLLEEN McMAHON
NJAR Circle of Excellence
Gold-Level 2014
Centurion 2014
Quality Service Pinnacle 2014
Presidents Award 2014
Office (973) 646-7419
Cell (973) 214-5250
BLOOMINGDALE $387,000
REGINA GINA PETRY

Multi-Million Dollar
Producer
NJAR Circle of Excellence
2007, 2009-2014
Quality Service
Pinnacle Award
Masters Ruby Award
Office (973) 646-7488
Cell (201) 970-2319
3.75/3.847 APR
3.75/3.785 APR
$1,167 PER MONTH
$5,001 PER MONTH
Price Reduced!
3 BR, 1.1 BA
Private Paradise!
6 BR, 4.2 BA, 2 CAR O/S GAR.
KINNELON $449,000
3.75/3.849 APR
3.75/3.831 APR
3.75/3.832 APR
3.75/3.866 APR
3.75/3.859 APR
3.75/3.822 APR
3.75/3.839 APR
$1,139 PER MONTH
$1,445 PER MONTH
$1,434 PER MONTH
$944 PER MONTH
$1,018 PER MONTH
$1,664 PER MONTH
$1,296 PER MONTH
Expanded Cape!
3 BR, 1 BA.
Many Updates!
4 BR, 2 BA, 1 CAR GAR.
New Construction!
Newly Listed!
4 BR, 1.1 BA.
Beautifully Cared for Cape!

4 BR, 1.1 BA, 1 CAR DET GAR.
Spacious Split!
Golf Course View!

4 BR, 2 BA.
License #: NJ09980558654 2015 CENTURY 21 REAL ESTATE LLC. CENTURY 21 is a trademark licensed to Century 21 Real Estate LLC. An Equal Opportunity Company.
Equal Housing Opportunity. Each office is independently owned and operated.
All information deemed reliable but not guaranteed. Prices subject to change. If your property is currently listed with a real estate broker please disregard this offer.
Ryan Barry
Recognized by Mortgage Executive Magazine as a "Top 1% Mortgage Originator" for 2013
Mortgage Banker
Call today for a complimentary Mortgage Pre-approval

and know your buying power
before beginning the home buying process.
NMLS# 183464
973-200-3262 Direct 973-454-5183 Cell 973-200-3231 Fax ryan.barry@njlenders.com
Mortgage Payments listed above are based on principal & interest only on a 30yr fixed mortgage and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR based on a 740 credit score as of May 8, 2015. Terms for Condos listed above are subject to meeting
Fannie Mae Guidelines. This information is not to be considered a commitment to lend. Programs and terms 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.
Page 30, Zone 3
May 20, 2015
WE BUY CARS !
WE BUY TRUCKS !
RONNIES IN WAYNE
973-616-7900
WE PAY FOR
JUNK CARS
973-220-0202
0312 HELP
WANTED SALON
OPEN POSITIONS
at J C Christophers,
a high end Salon in
Kinnelon.Receptionist, P/T and F/T,
Massage therapist,
Aesthetician & Hair
stylist.Only professionals need apply
Call 973-838-8580
jcc25@optonline.net
0655 SERVICES
CARPET
G&S Carpet Cleaning & Floor Service

Residential
& Commercial
973-839-6436
0684
SER.COMM/RESI.
CLEAN
Aidas Cleaning
Service
0686 SERVICE
CLEANOUT
0815 SERVICES
MASONRY
973-703-3039
Cleanouts &
Dumpster Services
Fully Insured NJ Lic #A901
FREE ESTIMATE
TRI-COUNTY
Estates Abandoned Prop

Storefronts Basements
Whole House Attics
Get Your SPRING

To-Do-List Done!
Regain Valuable Storage!

We dispose unwanted items in an
environmentally safe way.
10% OFF
$25 OFF
with this ad
0687 SERVICE
DRIVEWAYS
Cannot be combined w/any other offer. 1 per household. Exp. 6/21/15.
0774 SERVICES HANDYMAN
REMODELS, REPAIRS,
MAINTENANCE & MUCH MORE!
Insured & Bonded Member of the BBB
Advertise in the Classifieds.
When its time to sell something you no longer

need or use, move it with the Classifieds.
To Advertise
Call
(973)
696-8008
Ask for Kathleen
Life
& Leisure
www.lifeandleisurenj.com
...AND MORE!
0826 SERVICES PAINT/POWER WASH
NJ Lic. #13VH00608600 NAT-22773-1
973-696-9393
www.mrhandyman.com
Driveways
Parking Areas
New Construction
Asphalt Work
Sidewalks
Owner Operated Licensed
Fully Insured Free Estimates
0785 SER. HOME IMPROVEMENT
973-248-1892
call 7 days a week
0730 SERVICES
ELECTRICAL
0827 SERVICES PAINTING
0815 SERVICES MASONRY
ERICKSON
Call 908-764-8966
Masonry, LLC
0685
SERVICES
CLEANING
Pompton Lakes, NJ
Mariyas Cleaning
Service
Call 973-557-3621
0774 SERVICES HANDYMAN
Satisfaction Guaranteed!
CMR SERVICES
Serving North
Jersey
Home or Office
Experienced, Reliable
and Detailed. Speaks
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Building Remodeling
No Job Too Small or Big!
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35 Years Experience
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Fully Insured
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BABY ITEMS LUGGAGE BOATS OUTDOOR GEAR TOYS CAMERAS
0051 AUTOMOBILES WANTED
JEWELRY ART PIECES ANTIQUES RECORDINGS TVS & VCRS
CLASSIFIEDS & SERVICE DIRECTORY
0860 SERVICES
PLUMBING
Stephen Fox
Plumbing & Heating
Small Repairs,
Alter, Drain Svc.
BONDED
INSURED
Lic.#7467
973-839-1054
May 20, 2015
SERVICES
0886 SERVICES ROOFING
KOVACH
ROOFING,
INC.
Established 1948
Shingles Slate
Flat Roofs Gutters
Senior
Citizen
Discounts
$500 OFF
ANY ROOFING JOB
Of $3,000 Or More
WE DO SMALL REPAIR JOBS

NJ Lic# 13VH00222500
973-835-5330
www.Kovachroofing.com
Email: Kovachroofing@aol.com
ROSS
ROOFING & SIDING

Vinyl Siding
Replacement Windows
Residential Roofing
35+ Years Experience
973-696-5699
0920 SERVICES TREES
2
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To Advertise in the Classifieds
Call Kathleen
at Life & Leisure
973-696-8008
Zone 3, Page 31
Community Happenings
limited to 10 participants. Please contact the

Library at 973-838-3262 or www.butlerlibrary.org to register.
The Circle of Friendship, a non-denominational support group for the separated and
divorced, meets at 7:30pm on the first and
third Thursdays each month at St. Marys

Church, 17 Pompton Ave. Pompton Lakes. For
information call the parish at 973-835-0374.
Bereavement Support Group meets on the
third Wednesday every month from 6:457:45pm at Butler Public Library, 1 Ace Road.
The group is lead by Lea Shupp, author of No
One Hears Me Crying, a non-fiction book

about dealing with the loss of a loved one. Lea
will speak from personal experience with anyone dealing with a similar situation. Please call
973-838-3262 or stop by the library to sign
up each month at www.butlerlibrary.org.
The Pompton Lakes Republican Club holds
public monthly meetings every third Thursday,

at the VFW Post 2906, Wanaque Avenue.
Participate in informative meetings, community outreach, youth scholarships and social
activities. Questions? Call 973-835-4025 or
email kbaig@optonline.net.
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Cindy Gallagher
All Realtors Are Not The Same.
When Youre Ready to Sell, Call Cindy.
A Native Of Kinnelon
#1 Top Producer
Relocation Specialist
Circle Of Excellence
Premier Sales Agent
Preview Property Specialist
Cindy Gallagher
OVER 25 YEARS
EXPERIENCE IN
SALES & MARKETING
Call me on my cell 973.714.3897
Your Home
Can Be Listed
in This Ad...
Call Cindy
Today for an
Appointment!
973.714.3897
If you are considering a move, give me a call and I will guide you every step of the way.
Cell 973-714-3897. The Realtor you choose makes a BIG difference. Put my negotiation skills to work for you!!
email me at cgallaghercoldwellbanker@msn.com
KINNELON/ RIDGE RUN $1,150,000
KINNELON/ SMOKE RISE $850,000
KINNELON $750,000
BEAUTIFUL CUSTOM COLONIAL IN KINNELONS MOST DESIRED PRESTIGIOUS NEIGHBORHOOD

RIDGE RUN. This Distinguished 5 Bedroom 4 Full & 2 Half Bath Home Boasts an Open Floor Plan for
Entertaining. The Kitchen with Maple, Granite, Stainless Steel Appliances, Subzero Refrigerator, Center Island with
Breakfast Bar is Open to the Great Room with a 2 Story Stone Fireplace. A Formal Dining Room with a Tray Ceiling,
a Formal Living Room with a Gas Fireplace. A Main Level Office with Walls of Windows. A Main Level Bedroom
with an En-suite. The Second Level Offers a Master Bedroom Suite with a Tray Ceiling and a Sitting Room, WalkIn Closets, Vanity Area and Bath with a Double Sink Vanity, Jacuzzi Tub & Stall Shower. A Bedroom with an EnSuite, 3 Additional Bedrooms, Full Bath and a Laundry Room. Finished Lower Level with a Billiard Room Bar, Media
Room, & Exercise Room or In-Law Suite. Radiant Heat Throughout. 3 Car Main Level Garage. GSMLS#3163244
THE SEARCH FOR YOUR TIMELESS RESIDENCE WITH UNPARALLELED VIEWS OF LAKE KINNELON
AND ST. HUBERTS CHAPEL IN THE PRESTIGIOUS GATED COMMUNITY OF SMOKE RISE MAY
BEGIN & END WITH THIS SPECTACULAR HOME. Impeccably Arranged 3 Level Floor Plan Not to Be Missed
where Charm, Character, and Ambiance Abound. Walls of Windows & Stunning Views at Every Turn. Eat in Kitchen
with Granite Opens to a Large Deck & a Solar Heated In-Ground Gunite Pool. Exceptional Master Retreat w/a
Private Balcony to Soak in the Beautiful Views & a Master Bath w/Jetted Tub & Double Vanities. Formal LR w/a
Brick Fireplace & Hardwood Floors. Formal Dining Room with French Doors Open to the Family with a Fireplace.
Walk Out Lower Level with a Powder Room, Storage Area and 3 Car Garage. Enjoy Swimming, Boating, Fishing,
and Fine Dining at the Smoke Rise Inn. Kinnelon Offers Top Rated Schools and is Only Approx. 25 Miles from NYC.
ONCE YOU ENTER THIS BEAUTIFUL HOME, YOU WILL NEVER WANT TO LEAVE! GSMLS#3215865
THE ULTIMATE IN PRIVACY!! YOUR OWN OASIS!! SET BACK OFF THE ROAD YOU WILL FIND THIS
BEAUTIFUL RENOVATED CUSTOM RANCH WITH FABULOUS VIEWS. The Open Floor Plan is Great for
Entertaining. The LR is Open to the DR w/a Vaulted Ceiling & Large Windows to Capture the Sunlight. Sliding Glass
Doors to a Spectacular Deck Overlooking the Pool & Back Yard. Updated Eat In Kitchen w/Cherry Cabinets, Gas
Cook Top, Dining Area w/Sliding Glass Doors to the Deck. The Very Spacious Family Room Offers a Stone Fireplace
& Wet Bar. A Master Bedroom Suite w/2 Walk-in Closets, Walls of Windows, Full Bathroom w/Jacuzzi Tub, Jacuzzi
Shower Stall & a Double Sink Vanity. 3 Additional Bedrooms, 2 Full Baths, & Laundry Room. Finished Walkout
Lower Level w/Separate Entrance, Office, Powder Room, Recreation Room, Workshop, Storage Room, Outside
Shower, 3 Car Heated Garage, Shed w/Electric and So Much More. JUST UNPACK & ENJOY!! GSMLS#3213711
KINNELON/ RIDGE RUN $750,000
KINNELON $525,000
KINNELON/ SMOKE RISE $539,000
SPECTACULAR UPDATED FOUR-BEDROOM CENTER HALL COLONIAL IN ONE OF KINNELONS

MOST PRESTIGIOUS NEIGHBORHOODS. This Distinguished Home Offers a Two-Story Foyer with New
Porcelain Tile Floor, a Beautiful Modern EIK w/Granite & SS Appliances is Open to the Family Room for
Entertaining. The Master Bedroom Suite Offers a New Luxurious Master Bathroom with a Sumptuous Soaking Tub,
Double Sink Vanity and Porcelain Floor. Incomparable Design and Materials are Apparent in Every Room. Three
Additional Bedrooms, an Office and a New Full Bathroom. Hardwood Floors on the First and Second Levels. The
Fabulous Finished Lower Level Offers a Recreation Room with a Wet Bar, Media Area, Porcelain Floors, Newer
Powder Room, and Exercise Room. Newer Furnace, Hot Water Heater, Appliances, Washer and Dryer, Well Tank,
etc. Close to Schools and Major Highways. Kinnelon Offers a Top Rated School System and is Only 25 Miles from
NYC. THIS HOME IS TRULY A MUST SEE! MOVE RIGHT IN. GSMLS#3211494
TUCKED AWAY FOR PRIVACY YOU WILL FIND THIS WONDERFUL 4 BEDROOM, 2 FULL & 2 HALF
BATH CENTER HALL COLONIAL ON OVER 3 ACRES OF BEAUTIFUL WOODED PROPERTY. Close to
Chilton Memorial Hospital and Major Highways for Easy Access. The Kitchen w/Cherry Cabinets and Granite
Countertops is Open to the Kitchen Dining Area and a Fam Rm w/Beamed Ceiling, a Brick Fireplace and a Wood
Burning Insert, Hrdwd Flrs and a Sliding Glass Door to a Blue Stone Patio and Backyard. The FDR & Living Room
are Very Spacious, Great for Entertaining. Two Powder Rooms and a 2 Car Main Level Garage for Your
Convenience. Hardwood Floors on First & Second Levels. The Second Level Offers a Large Master Bedroom with a
Walk-In Closet, a Master Bathroom with a Deep Soaking Tub & Shower. Three Additional Bedrooms & a Full
Bathroom. Generator Panel for Generator Hook Up, Central Vac, Central Air Conditioning. Kinnelon Has a Top
Rated School System and is Approx. 25 Miles to NYC. NOTHING TO DO BUT MOVE IN! GSMLS#3209015
THIS IS THE HOME YOU HAVE BEEN WAITING FOR! IMMACULATE 4 BEDROOM 2 & 1/2 BATH
CENTER HALL COLONIAL WITH CHARM & CHARACTER THROUGHOUT IN A FABULOUS GATED
COMMUNITY. Spacious Family Room w/Fireplace and a Brick Flr Open to a 4 Season Room w/Wood Burning
Stove & Walls of Glass Overlooking the Very Large Deck w/Hot Tub & Low Maintenance Backyard. A Formal DR,
Formal LR w/Fireplace, EIK, Powder Room. A MBR Suite w/New Master Bathroom & Office. 3 Additional Bedrooms
& a New Full Bath. Finished Lower Level with Rec. Room & Storage Room. Full Attic with Plenty of Storage. Newer
CA, Compressor, Roof, 2 New Bathrooms, Renovated Heated Garage, New Front Door, Freshly Painted Exterior,
New Front Steps, Newer Back Deck & Pavers, Newer Furnace, Newer Kitchen Appliances. CLOSE TO BOTH
GATES FOR EASY ACCESS. SMOKE RISE IS A 24 HOUR GATED COMMUNITY. GSMLS#3192198
Call Cindy at 973-714-3897cell

www.KinnelonRealty.com
Coldwell Banker Kinnelon Office

1450 Rt23 North, Butler NJ 07405
Direct Office 973-283-7725 Office 973-838-9300 x244
2014 Coldwell Banker Real Estate LLC. Coldwell Banker is a registered trademark of Coldwell Banker LLC. An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC.

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