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A
drian Simone is a 19
year old lance corpo-
ral who joined the
Marines after graduating from
Montville Township High
School last year. In mid-July, his
unit, 1st Battalion, 6th Marines,
Bravo Company was deployed
to Afghanistan. One month in,
while on patrol, his unit walked
across an IED (improvised ex-
plosive device). Adrian took
the brunt end of the explosion
and both his legs were severely
damaged. One of his squad
mates violated protocol to stay
in position and minimize addi-
tional causalities and raced to
his side to stop the bleeding,
saving his life. He was taken to
two hospitals in Afghanistan
and a hospital in Germany,
where the doctors tried to save
one leg. The damage was too se-
vere and both legs had to be am-
putated at or above the knee.
He is now recuperating at a hos-
pital in Bethesda, Md. He suf-
fered other injuries, but none as
severe, and there is no evidence
of spinal cord injury.
Friends who have visited
Adrian in Bethesda confirm
that his lighthearted personality
and upbeat view of the world
have not changed.
In an effort to assist
Adrian and his family, a close
friend, Jim Scannella, is organiz-
ing a Montville-based fun-
draiser. He would like to invite
you to join in saying thank you
to Adrian for his service and
sacrifice.
If you would like to con-
tribute to the Adrian Simone
Fund, make a check payable to
Lance Corporal Adrian Simone
and mail to: John Becker, 4 Or-
chard Dr., Towaco, NJ 07082.
If you would like to show
your support by sending Adrian
a thank you note, get well card
or letter, his address is: Lance
Corporal Adrian Simone, War-
rior Transition Battalion, Box #
40093, 8901 Wisconsin Ave.,
Bethesda, MD 20889-5600.
Supporting a hero!
I
f you thought layaway
plans had gone the way of
eight-track players and
floppy disks, think again. The
deferred payment or install-
ment plan, once pop-
ular with budget-
conscious consumers
especially during the
holiday season is mak-
ing a big comeback.
For people who
are unfamiliar with
the concept or were
born after the 1980s
(when installment
plans gave way to
credit card purchases
and other types of financing),
layaway is a simple way to
purchase merchandise in-
terest-free over time. Con-
sumers select the items they
want to buy from a retailer of-
fering the plan, make a de-
posit, which often includes a
modest service charge, and
pay for the merchandise over
a specified period. Once the
item has been paid in full, the
retailer releases the goods to
the consumer. The only po-
tential glitch is if the con-
sumer fails to make payments
in full or on time. In that
event, the retailer has the op-
tion of returning the cus-
tomers payments (fewer
service charges) and re-
selling the items.
While theres no
doubt that todays shaky
economy has contributed
to the revival of layaway
plans, economists and
representatives of several
of the nations leading
retailers and layaway
providers Sears, K-
Mart, Burlington Coat
Factory, Marshalls, TJ
Maxx, Toys R-Us, and Hall-
mark insist that the reces-
sion is only part of the story.
For retailers, layaway plans
Layaway plans make a comeback
If any agent will do, then any
result should do. Expect More.
Coldwell Banker...We never stop moving.
ColdwellBankerMoves.com Kinnelon
2011 Coldwell Banker Real Estate LLC. Coldwell Banker is a registered trademark. 1450 Route 23 North, Butler, NJ 07405. Licensed to Coldwell Banker Real Estate LLC.
An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC.
(973) 838-9300
page 5 page 11 page 19
Proverbs 3:5,6 God Bless America
November 2, 2011
Zone 3, Vol. 9, No. 21
Recycled Paper from 30% Post Consumer Waste
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Buying items on layaway gives shoppers the
ability to pay in installments without any
interest. The concept is once again
gaining popularity in many stores.
continued on page 15
Note: To have your groups an-
nouncement appear in Com-
munity Happenings please
email us the information in a
paragraph format to calendar
@lifeandleisurenj.com.
Nov 5
The Bloomingdale United
Methodist Church will host a
rummage sale on Saturday, No-
vember 5th from 9 a.m. 3 p.m.
at 65 Main Street in Troxler
Hall. The sale will include
mens, womens and childrens
clothing, household items, fur-
niture, toys, books, shoes, baby
items, knick-knacks, dishes and
MUCH MORE! Cake and cof-
fee will be available. For further
information, please call 973-
838-5140 or email bumc
65@aol.com.
Nov 19
Come for a Night of Laughter
hosted by Danny C. The St.
Anthonys Columbiettes will be
sponsoring a Comedy Knight
on Saturday, November 19,
2011 at the Knights of Colum-
bus Hall 65 Hamburg Turnpike,
Butler, NJ. Doors will open at
7:00 with the show beginning at
7:30. The cost is $25 per person
if purchased in advance or $30
at the door. Price includes the
comedy show, tap beer, wine
and soda. Please feel free to
bring your own food but please
no BYOB. To purchase tickets
or for more information, please
contact Cathe Nicholson 973-
492-8931 or emailsacolumbi-
ettes@yahoo.com.
Around the
Community
The Butler Recreation De-
partment is taking registration
for its six week ski program to
Mountain Creek. Flyers with
pertinent information are in all
schools. Also available at an ex-
cellent price are season passes
for youths who do not partici-
pate in the six week program,
and adults. For prices and addi-
tional information call the
recreation office at 973-838-
7903 between noon and 4:30
p.m.
The Butler Recreation De-
partment is holding ongoing
Zumba classes at the Aaron
Decker School on Tuesday and
Thursday evenings from 7:45 -
8:30 p.m. Classes are taught by
Rosemary Russell a certified
Zumba instructor. You may ei-
ther drop in or sign up for an
eight week session. Please call
the recreation office for further
information.
Kinnelons Open Space Com-
mittee (OSC) and Open Space
Advisory Committee (OSAC)
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 2, Zone 3
Publisher: Joe Pellegrino Editor: Bethanne Pellegrino Art Department: Robin Banta, Mary Lalama
Sales: Kathleen Todd, Lisa Buniewski, Debbie Schwartz
Please e-mail all press releases and calendar information to calendar@lifeandleisurenj.com or fax to 973.556.1991.
Advertising in Life & Leisure is affordable and effective. We are a family friendly publication and therefore reserve the right to accept only
advertisements that appeal to the entire family; the final determination of which is made by the Life & Leisure. Views expressed in Life & Leisure
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. 2011 Life & Leisure, LLC. Life & Leisure is a trademarks of Life & Leisure, LLC.
100% mailed twice a month newspaper
P.O. Box 435, Wayne, NJ 07474-0435
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1555 ROUTE 23 SOUTH WAYNE 973-633-1900
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visit our website at www.lifeandleisurenj.com
November 2, 2011 Zone 3, Page 3
Expressive and receptive language
disorders.
Articulation and phonological disorders.
Feeding, swallowing & oral motor skill
deficiencies.
Language based learning disabilities.
Cognitive impairments such as attention,
memory & problem solving disorders.
Apraxia and dysarthria.
Aphasia.
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Jennifer brings an incredible
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specializing in children
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for delayed skills.
Pediutric "Speech" Therupy
R
onnie is in kinder-
garten. Ronnies mo-
ther describes him as a
difficult child. He only wants
to wear old t-shirts and jeans.
He argues with his mother
each time she cooks something
new for dinner and refuses to
eat. He throws tantrums at the
mall. Shopping for clothes is al-
most impossible. When play-
ing with other children, Ron-
nie is bossy. Ronnie is
happiest when he is following
his routine. He dislikes sur-
prises. When his mother and
father hug him, he stiffens. He
loves his German shepherd and
will lie on the floor with her for
hours. Ronnies mother won-
ders what she is doing wrong.
In school, Ronnie has
been sent to the principals of-
fice several times for hitting
other children. He sometimes
refuses to participate in group
activities. During arts and
crafts, Ronnie usually asks to go
to the bathroom.
During his six year old
checkup, Ronnies mother de-
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her pediatrician who recom-
mended an occupational ther-
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evaluation revealed that Ron-
nie has a sensory processing
disorder, specifically, a sensory
modulation disorder (SMD).
This means that Ronnies nerv-
ous system over responds to
everyday sensations.
A child with a modula-
tion disorder can appear to
have behavior problems. Re-
fusal to participate in activities,
rigid adherence to routines and
pushing others away are actu-
ally strategies used to avoid
what the childs nervous system
registers as a threat. Picture
yourself in the kitchen at mid-
night. The lights are turned off
and you think everyone is
asleep. Suddenly someone taps
your shoulder. In this situation,
your nervous system reacts with
a fight or flight response. You
jump, your pulse races, you feel
afraid. For a child with SMD,
the fight or flight response is
triggered by everyday stimula-
tion including the feel of a new
shirt or glue on their hands.
Being bumped by another child
in line may be interpreted as
being punched. Over reaction
to one event is only the begin-
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with SMD. Often they are un-
able to calm their nervous sys-
tem and the sensory events
build up over the course of the
day. Even if a child has strate-
gies to calm themselves, these
may not appear socially accept-
able or may interfere with life
skills, as when Ronnie spends
arts and crafts time in the bath-
room. So what can be done?
A qualified occupational
therapist uses a detailed parent
and child interview as well as
standardized assessments to de-
termine the nature of a sensory
processing disorder. There are
several types of sensory process-
ing disorders and they can vary
in degree and presentation.
Once the specific nature of the
disorder is uncovered, the fam-
ily needs to understand what is
going on. In almost all cases,
the parent and child are re-
lieved to hear that there are
reasons behind the behaviors
and that help is readily avail-
able.
Therapy for SMD consists
of age appropriate, motivating
play oriented activities that
aim to regulate the childs
nervous system. Various types
of sensory rich activities are
used including: movement,
deep pressure and resistance
which stimulate the sensory re-
ceptors in the muscles and
joints, tactile, visual and audi-
tory input. Foods and scents
can also be used. As the child
responds positively in therapy,
a sensory diet is developed for
home and school. This diet
incorporates activities and
modifies challenges to enable
the child to increase their abil-
ities to not only tolerate, but to
enjoy and learn from sensations
they previously avoided. For
Ronnie, the vacuum cleaner
turned out to be one of his fa-
vorite toys. The vibration
helps to regulate his nervous
system! His mother, under-
standing his challenges, washes
new clothes several times be-
fore Ronnie wears them so that
they felt softer and smell like
his other clothes. She has
found that Ronnie prefers raw
carrots and string beans to the
cooked ones that she had been
trying to convince him to eat.
Most importantly, she learned
that Ronnie enjoys bear hugs as
long as she does not stroke his
hair. Ronnie and his teacher
are pleased that when he stands
at the end of the line to avoid
being bumped, he no longer
pushes or hits his peers. She
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 4, Zone 3
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Do I really have a difficult child? By Andrea Finkelstein, Occupational Therapist
continued on page 14
M
arkets heat-up,
blood pressure boils
and tempers flare,
but, your retirement income
must remain constant through
all market conditions, correc-
tions and crashes. Your retire-
ment portfolio is not a
disposable and discretionary
fund. When you stop working,
thats it, no more paycheck!
Outside of any possible inheri-
tance there are no other fall-
back zones or defenses. Your
portfolio is your only lifeline!
Have you thought about it that
way? Its true, although hard to
accept. If your portfolio is
compromised, there will be
only your parents if theyre
alive and your children to rely
on maybe. Are you satisfied
or confident with these alter-
natives to a failed portfolio? I
ask you, what may cause your
portfolio to fail? Better stated,
how many reasons or situations
will we face during our retire-
ment years that have the possi-
bility of totally compromising
our retirement nest egg? I can
think of 5 Forces of Portfolio
Demise, can you think of any
others?
1.Stock and Bond Market
Losses
2. Cost of Health Care includ-
ing deductibles and co-pays
3. Long-term care in a nursing
home or custodial care at your
own home
4. Taxes at death Income or
Estate Tax at both the Federal
and State levels
5. Lawsuit Liability when you
have assets, you are an auto-
matic target
If you become compro-
mised, mentally or medically,
yet are covered financially, you
still need the legal documents
to appoint the people that you
select to make the financial
and health related decisions on
your behalf. Have you done
this yet? This is in addition to
or in concert with your ap-
pointment of executor(s) and
trustee(s). Have you set up
your portfolio to be self-com-
pleting in providing income
for your monthly maintenance
and or for your spouses bene-
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Do you have a wealth magnifi-
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giving in perpetuity? Have
you set-up a self-completing
retirement program for your
children and grandchildren, if
you have any? Have you made
your Christmas vacation plans
yet?
If youve answered no to
any of these questions, your re-
tirement and estate plan needs
a check-up from the neck-
up! I cannot stress enough
the vital importance of pre-
paredness. Remember the 7
Ps: Proper Prior Planning Pre-
vents Poor Performance Pe-
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. My Trinity
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visit our website at www.lifeandleisurenj.com
November 2, 2011 Zone 3, Page 5
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continued on page 13
A
re you a big believer
that our furry friends
deserve the same
level of medical attention that
we do? The staff of Butler Vet-
erinary Hospital does. For
many of us, pets are a valuable
part of our family. When it
comes to their health, they
deserve only the best. Dr.
Dawn Garro at Butler Veteri-
nary Hospital is committed to
providing a center for com-
plete veterinary care of the
highest medical quality.
Along with her compassion-
ate, professional, and knowl-
edgeable staff, Dr. Garro has
devoted her life to the care
and well-being of animals.
Whether it is for a routine
exam, a rescue patient, serious
health issues or emergency
medical care, you can count
on the team at Butler Veteri-
nary Hospital to provide your
pet with the best care possi-
ble!
The new hospital, lo-
cated at 417 Main Street in
Butler, is equipped with some
of the latest technology, in-
cluding digital radiography, a
state-of-the-art surgical facil-
ity and dental unit. Every-
thing needed to make sure
your pet is well taken care of
is in place from diagnosis to
the healing process, including
orthopedic surgeries. The
hospital also features an ex-
tensive laboratory, as well as a
full-service pharmacy.
Butler Veterinary Hospi-
tal operates as an open hos-
pital. They encourage clients
and their pets to come in for
toursand even treats! Pa-
tients are given everything
they need to feel comfortable.
Dr. Garro also makes herself
available to local school sys-
tems and boy and girl scouts
for educational purposes. She
believes that communication
and education are key in the
prevention and cure of dis-
ease. She wants her clients to
feel comfortable and under-
stand the recommendations
being made so they can make
an educated decision for their
pets and family.
Appointments may be
made by calling and speaking
with a friendly member of the
hospitals reception staff. The
team attempts to accommo-
date all requests, including
emergencies. If you feel your
pet needs emergency treat-
ment, do not hesitate to call
or come in immediately! Part
of the Butler Veterinary Hos-
pitals commitment to care for
your pet means being there
when they are needed.
So come on by to Butler
Veterinary Hospital at 417
Main Street in Butler or
check out their website at
www.butlerveterinaryhospi-
tal.com where you can find
everything you need to regis-
ter as a new patient. You can
even dedicate memorials to
departed pets on a special sec-
tion of the site. Ready to
make an appointment? Call
the team at (973) 850-6300.
Give your pet the medical
care they deserve. Visit Butler
Veterinary Hospital!
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 6, Zone 3
417 Main St., Butler 973-850-6300
www.ButlerVeterinaryHospital.com
Discount can only be applied once to each pet.
Not to be combined with any other offer. Expires 12/31/11.
Dr. Dawn Garro
with Holly
15% DISCOUNT
On Your Pets Initial Exam Fee
Meet Dr. Garro and her compassionate, professional staff.
The hospital provides all aspects of Veterinary Care, including
wellness exams, vaccines, surgery, dentistry and more.
We are equipped with the latest technology, including digital
radiography. We have an in hospital laboratory, extensive
pharmacy, and on site ultrasound.
FREE - Nail Trim with Exam FREE - Fecal Exam with
Junior Early Detection Blood Work FREE - Fecal Exam
with Senior Wellness Blood Work
Not to be combined with any other offer. Expires 12/31/11.
Margaret (Peggy) Tana
Ed.M, MAT, LPC, LCADC
Licensed Professional Counselor
Licensed Clinical Alcohol and
Drug Counselor
NJ 37PC00302700, NJ 37LC00078800
Counseling for individuals
and couples using a holistic,
person-centered approach.
Experienced with abuse, trauma,
cultural, and spiritual issues.
Trained in EMDR.
170 Kinnelon Road
Kinnelon, NJ 07405
www.margaret-tana.com
973-838-7265
Anxiety
Addiction
Depression
Butler Veterinary Hospital
Dedicated to the well-being of your pet By Joe Pellegrino, Jr
Now Offering...
Holistic Medicine & Rehabilitation
Pain Management
Sports Medicine/ Rehabilitation
Spinal Decompression - Sciatica
Arm, neck and back pain
Nutrition/ Detoxification
Cold Laser - Pain Relief
Whole Body Vibration -
Prevent falls and increase
bone mass
21st ANNIVERSARY
SPECIAL
Full Exam $20.00
Medical History & Physical Exam
(
$
179 value) Expires 11/30/11
visit our website at www.lifeandleisurenj.com
November 2, 2011 Zone 3, Page 7
SMILE
A GREAT,
HEALTHY
New Patient Special
Friendly, Caring Atmosphere
Gentle, Experienced Hygienists
Cosmetic Dentistry
TMJ Bonding and Veneers
Root Canals Implants
Teeth Whitening
Dentures Oral Surgery
0% Payment Plans
DR. PETER BRUSCO
Serving the community for 30 years
170 Kinnelon Rd
Suite 29A Kinnelon
www.drbrusco.com
Call Now for an Appointment
973-838-5862
Exam, Digital X-Rays, and Cleaning
$120.00
(Regularly $266) Expires 12-31-11.
Not to be combined with any other offers.
Dr. Peter Brusco, D.M.D 973-838-5862
Opening doors to...
Better overall health
Great first impression
Increased self confidence
Improving relationships
Let Us Be The Key To
Your Smiles Potential!
DISCOVER WHAT
THE POWER OF
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Prevent cavities and gum problems.
Make your teeth last a lifetime.
O
h, no ... not again!
Your child awakes
feverish and listless,
complaining of a hot, painful
ear. It is the fourth time this
year shes contracted an ear in-
fection and you are desperate
for answers. More antibiotics,
tubes in the ears ... what are
the alternatives?
Middle ear infection, or
otitis media, affects two-thirds
of children by two years of age,
making it the most common
medical diagnosis in children.
Approximately a third of all
children will experience at
least six episodes of this disor-
der before entering school.
Some children have up to
twelve episodes in a single
year. Several bouts of reoccur-
ring infections can result in
permanent damage to the
inner ear.
Typical medical treat-
ment of otitis media involves
the prescription of oral antibi-
otics, commonly amoxicillin.
However, research published
in the Journal of the Ameri-
can Medical Association (Dec
/91) reveals not only is amox-
icillin ineffective for otitis
media, it actually worsens the
condition. There is also the
problem of repeated use of an-
tibiotics and the evolution of
superbugs, those growing
numbers of antibiotic-resistant
bacteria.
Eventually, despite failure
of the antibiotics, the bodys
own immune system takes care
of the infection and all is well.
Or so it appears, until the next
reoccurrance. After several
episodes of this, it is recom-
mended your child has tubes
implanted in their ears, a pro-
cedure called tympanostomy
tube surgery, the most com-
mon operation for children.
But wait, didnt you read
something about this ... yes,
the April 1994 Journal of the
American Medical Associa-
tion published research that
examined 6,429 cases of tym-
panostomy tube surgery and
found less than half of these
surgeries were appropriate.
Clearly, chronic or recur-
rent otitis media is a serious
health problem for which tra-
ditional medicine has limited
answers. Faced with this real-
ization, many parents seek al-
ternative methods of
treatment, including chiro-
practic. Indeed, drugless, non-
surgical treatment has great
appeal, and a growing body of
research is showing chiroprac-
tic care can play an important
role in helping children with
chronic otitis media.
Recurrent ear
infections in children
By Dr. Glenn Foss
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 8, Zone 3
Matthew D. Loughlin
Physical Therapist, Director of Rehabilitation
M
atthew graduated with honors from New York
University in 1997 and began a satisfying career in
orthopedics specializing in spine rehabilitation. Ever
keen to learn and do more for his patients Matthew began
studying diligently for his certification in Orthopedic Manual
Therapy. This training exposed him to the concept of
Maitland Australian therapy, the Maitland Concept is referred
to as a concept and not as a technique. Emphasis is placed
not on the technique of treatment but on a basic philosophy-
a thought and decision making process, involving analytical
examination and assessment on which treatment decisions are
based.
Matthew has also had the thrill of studying with world-
renowned therapists Brian Mulligan and David Butler, further
expanding his clinical skills into more diverse orthopedic and
nerve injury treatments. Not to be missed, Matthew also
trained in the McKenzie Diagnosis and treatment of the spine.
Matthew believes the combination of this training and
education in the Australian, New Zealand and American
treatment strategies have allowed him to provide broader
range of treatment options thereby helping more patients.
Matthew has been a Director of Physical Therapy for 8
years, helping develop spine and sports clinics into leaders in
their respective communities. He is excited and eager to bring
his skills to the Advanced Sports Medicine & Physical
Therapy Center which specializes in:
Spine Rehabilitation
Treating Achilles and Ankle Injuries
Meniscus Repair
Pre & Post Surgically Repaired Hips, Knees
& Shoulders
Rotator Cuff Injuries
18 Newark Pompton Tpke., Riverdale
www.advancedsportmed.com
Advanced
Sports Medicine
& Physical
Therapy
For more information please call
Matt at 973-616-4555
170B Hamburg Tpk Bloomingdale
973-850-6173
Grand Opening!
www.cavocars.com
Mon.-Thurs 10am-7pm, Fri. 10am-6pm
Sat. 10-5, Sun. Closed
Buy Sell Trade
Quality Pre Owned Vehicles
- Over 30 Cars
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- All cars have a
o month warranty
- B0% oI Vehlcles
on lot between
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A
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$
2
5
0
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Financing
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continued on page 15
visit our website at www.lifeandleisurenj.com
November 2, 2011 Zone 3, Page 9
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 10, Zone 3
Conveniently Located On Route 23 South
At 615 Route 23 Pompton Plains
973-839-5666
Authorized Service Center & Dealer
For Most Major Brands
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Sat. 9:30 a.m. - 4:00 p.m.
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59
99
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$
279
00
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Large rear wheels and
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Full One Year Warranty
Panasonic
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H
appy birthday Girl
Scouts! This year
Girl Scouts will be
celebrating the 100th An-
niversary of scouting and the
Pompton Lakes
and Riverdale
(Lakedale Service
Unit) Girl Scouts
will be a part of
the party. In mid-
November many
of the girls will
join thousands of
Girl Scouts from
the tri-state area
and ceremoniously
bridge to the sec-
ond century of
Girl Scouts by
walking across the
George Washing-
ton Bridge. A full
day of activities
are planned to
kick off this an-
niversary year.
During that week the lights on
the bridge will be green in
honor of the Girl Scouts.
Many more events are
planned to celebrate this
amazing anniversary time to
be a Girl Scout.
Even though the year has
just begun, all of our troops are
busy already. Troop 1105 had
their Bridging Ceremony to
bridge from Brownies to Jun-
iors. It was a beautiful cere-
mony led by the girls with a
reception for family and
friends afterwards. Way to go
girls! And to help celebrate
the occasion they went on a
hayride and had a fun day
picking pumpkins. Also, on
the go already this year are
Daisy Troop 94284 who had a
pizza party at Pizza 1 in
Haskell and Daisy Troop
94658 who visited the PL/R
First Aid Squad to learn about
safety and taking care of in-
jured people. Cadette Troop
323 has started their annual
Cookies in a Jar fundraiser.
These jars contain all the dry
ingredients for chocolate chip,
M&M or (new this year!) oat-
meal-raisin cookies. The
recipe to complete the cookies
is attached to the jar along
with baking instructions. The
jars make great gifts for teach-
ers, coaches, neighbors, and
hostesses. They are also lots of
fun to make with your kids or
grandkids. Each jar is only $8
and can be purchased by call-
ing 973-835-9056. Because of
fundraisers like this many of
the girls from Troop 323 will
visit our website at www.lifeandleisurenj.com
November 2, 2011 Zone 3, Page 11
Developing the Foundation for a Lifetime of School Success!
Family Owned and Operated Est. 1971
C
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A
P
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C
O
R
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A
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Visit our school and find
out how many consecutive
years over 90 of our
children scored in the top
10 nationally...
and they are having the
MOST FUN in their
lives!
A Truly Unique
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Reading Program
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Ages 2-12 Years
Daily Swimming
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designed for safety of
young children
Sports/Organized Games
Arts & Crafts
Field Trips
Music/Dance
In House Events
Nature & Science
Computers Cooking
Call, visit and compare the
advantages gained for your child
www.applemontessorischools.com
KINNELON
10 Maple Lake Road
973-838-2122
WEST MILFORD
836 Macopin Road
973-838-2122
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Grades 1-6
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Ages 2-6 Years
Conveniently located at
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973.838.7777 | Just past the Stop & Shop
Great Care
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Primary Care
Pain Management
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Physical Therapy
Vitamin Drips
Concierge Service
Home Visits
New Patients
are Welcomed
I. AVAGYAN M.D.
B OARD CE RTI F I E D I N
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AMERICAS TOP
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Peace out Girl Scouts!
Girls from Troop 323 work the production
line to make Cookies in a Jar.
continued on page 25
To Advertise in Life & Leisure Call 973-696-8008
T
he term polydipsia
refers to excessive
thirst. We see this as
an increase in the amount of
water being drank, which in
turn usually leads to polyuria,
which means your cat is uri-
nating more often and a
larger volume.
These changes may be
very subtle and slowly pro-
gressive or quite obvious. You
may observe an increase in
the amount of wet litter in a
cats litter box or even acci-
dents outside the litter box.
Some cats may begin drinking
from a dripping faucet in the
sink or from an open toilet
bowl. However, if you want to
determine exactly how much
your cat is drinking, allow
him only one source of water
and subtract the amount left
in the bowl after 24 hours
from the amount you put in
originally. On average, cats
take in about 2 cups per
day for a 10 pound cat. This
includes any water that is
taken in from other sources,
such as, from canned food.
If you determine that
your pet is drinking exces-
sively or just think its more
than usual, make an appoint-
ment with your veterinarian
because polyuria and polydip-
sia (drinking and urinating
more) can be an early sign of
a serious disease. These can
include: kidney failure, dia-
betes mellitus, hyperthy-
roidism (overactive thyroid),
liver disease, electrolyte ab-
normalities, pyometra (uter-
ine infection), other less
common endocrine disorders
and diabetes insipidus.
Several diagnostic tests
may be needed to determine
the cause of your cats
polyuria and polydipsia be-
cause many different diseases
can cause these signs. Any
visit to your vet should begin
with a complete medical his-
tory and thorough physical
examination. Initial testing
may include: measurement of
water intake at home, com-
plete blood count (CBC),
blood chemistry tests (includ-
ing electrolytes), urinalysis,
urine culture and sensitivity,
thyroid hormone (T4) con-
centration and abdominal x-
rays or ultrasound.
In older cats, the three
most common disease condi-
tions seen in practice that
cause polyuria and polydipsia
are kidney failure, diabetes
mellitus and hyperthyroidism.
Diabetes mellitus diag-
nosis is based on high blood
glucose concentration and
the presence of glucose, and
often incompletely broken
down fat products called ke-
tones in the urine. This dis-
ease is very treatable long
term. Initial treatment de-
pends on the severity and
may include hospitalization
with intensive fluid and elec-
trolyte therapy in conjunc-
tion with administration of
short-acting insulin or outpa-
tient management with long-
acting insulin.
Kidney insufficiency or
failures diagnosis is based on
serum biochemistry tests and
urinalysis. Treatment is based
on rehydrating the cat, trying
to slow the progression of the
kidney disease by dietary
modification and treating
complications such as hyper-
tension, nausea
and urinary tract
infection.
Hy p e r t hy -
roidisms diagno-
sis is based on
measurement of
thyroid hormone
concentration via
bloodwork. Diffi-
cult cases may require special-
ized blood tests or imaging.
Treatment consists of drug
therapy or radiation or less
commonly surgery. This dis-
ease is also very treatable long
term. Treatment with ra-
dioactive iodine (I-131)
will require referral to a spe-
cialty clinic or teaching insti-
tution in your area.
Optimal treatment of
any persistent medical condi-
tion depends on establishing
the correct diagnosis. The
symptom group polyuria and
polydipsia has many different
potential causes, and it is im-
portant to identify the under-
lying cause before beginning
treatment. Please visit your
veterinarian as soon as you
notice any changes because
with an early diagnosis you
often get a better outcome.
Dr. Matthew Krupnick is the
owner of the Pequannock Ani-
mal Hospital. He grew up in
Kinnelon and is happy to be
home, with his wife, three cats
and two dogs, to provide quali-
ty and compassionate care for
your pets in the community.
The Pequannock Animal Hos-
pital is located at 591 Newark
Pompton Turnpike in Pompton
Plains. You may reach them by
calling (973) 616-0400.
Polyuria and Polydipsia in your cat By Dr. Matthew Krupnick
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 12, Zone 3
591 Newark Pompton Tpke. (near Friendly's) Pompton Plains, NJ 973.616.0400
"Where Your Pet Is Family"
Full Service Animal Hospital, Specializing in Cats & Dogs
Complete Medical, Dental & Surgical Services
On Premises
Caring & Competent Staff
Hours: Mon 8-6pm Tues 8-4pm Wed 8-7pm
Thurs 8-6pm Fri 8-5pm Sat 8-12pm
Dr. Matthew Krupnick, D.V.M.
FREEExam
NEW CLIENTS ONLY.
Limit 1 per pet. Not combinable
w/other offers. Exp. 11/30/11
15% OFF
Exam Fee
ONE TIME ONLY. Limit 1 per pet.
Not combinable w/other offers. Exp. 11/30/11
Open
Saturdays
Welcoming
Dr. Christopher
Shapley
to the Pequannock
Animal Hospital
Team
Dr. Shapley received his
Bachelor of Science Degree
in Biology and Master of
Science in Conservation
Biology from Montclair
State University. He
received his Doctorate of
Veterinary Medicine from
Western University of Health Sciences in
Pomona, CA. Dr. Shapley grew up in Toms
River, NJ where he and his mother were
volunteer wildlife rehabilitators for the
Pinelands Sanctuary for Wildlife. He has
trained in multiple martial arts styles and
rode horseback since he was a child.
Dr. Shapley currently resides in Glen Ridge,
NJ with his two dogs, Bogey and Pearl.
In his spare time he enjoys swimming, surfing
and continuing his training in the martial arts.
Dr. Shapley joins Dr. Matthew Krupnick, owner
since 2006, and is excited to meet your furry
family member!!
To Advertise
Call 973-696-8008
will be looking forward to
shaking your hand. Call today:
973-831-4424 to request an
appointment! Happy Hal-
loween to trick or treaters
everywhere.
Mark E. Charnet is President
and Founder of American Pros-
perity Group. APG is the Pre-
mier Retirement and Estate
Planning Franchise in the United
States with 15 offices in 8 states.
Mr. Charnet has over thirty
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your inquiries and can be reached
at: 800-929-3374 or 973-831-
4424 or via email, markcharnet
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me r i c a s
Most Be-
loved Fam-
ily Musical hits the
Stage at Smiling
Rhino Theatre, giv-
ing a whole new
generation of audi-
ences the opportu-
nity to experience
this Broadway clas-
sic musical with its
heartwarming mes-
sage of hope! This
musical features the
most memorable of
music with songs in-
cluding Tomor-
row, Its A Hard
Knock Life, Easy Street,
NYC and more! You can
bet your bottom dollar that
Annie at Smiling Rhino
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your face and a skip in your
step! Join Annie, her side-
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Miss Hannigan and other col-
orful characters played by ac-
tors from all over North Jer-
sey, as this timeless tale graces
the Smiling Rhino Theatre
Stage! 16 performances begin
weekends starting Nov. 4
until Nov. 27, 2011, Fridays
at 8pm, Saturdays at 2pm and
8pm and Sundays at 2pm.
The ticket price is $25 for
adults, $22 for senior citizens
and $20 for children 17 and
younger. (plus tax) Group
rates are available and ad-
vance ticket purchase is
highly recommended and
group rates are available. Call
the theatre at 973-248-9491
to order tickets, or visit the
website at www.smilin-
grhinotheatre.com. Smiling
Rhino Theatre is located at
247 Wanaque Avenue, Pomp-
ton Lakes, NJ 07442
visit our website at www.lifeandleisurenj.com
November 2, 2011 Zone 3, Page 13
If you aie unhappy with the appeaiance of youi smile, you can choose to uo some-
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WoulJ You Wunt A rop-euJ 0orgeoux Smlle For Only S147 Per Month?
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Do You Have Questions About Cosmetic Dentistry?
To listen to an informative Consumer Message regarding:
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You Must Ask Your Cosmetic Dentist, Please Call 973.210.7014
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To Take Advantage of This Special Financing Deal,
Please Call 973-685-6984 before November 22.
973.685.6984
330 Ratzer Road Wayne, NJ 07470
www.drharrylong.com
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A Beuutlful New Smlle Wlll Chunge Your Ilfe
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With this coupon. Exp. 11/30/11
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Up to 40 sq. yds.
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Many Colors to Choose From
Gift ideas for the Home Care Specialists
continued on page 21
O
ver time a pet that is
routinely using a
patch of grass as his
personal potty will damage
that stretch of lawn. The be-
havior of canines plus the
chemical components of the
urine contribute to the brown,
dead patches synonymous
with dog waste. But there are
ways to mitigate the problem.
Dog urine and feces can often
be a frustrating problem, even
to pet-lovers. The war be-
tween wanting a pristine lawn
and a healthy pet can drive
pet owners to investigate ways
to prevent or reduce marring
of the lawn. Do those urban
legends like tomato juice or
baking soda work? In most
cases, no, however, there are
ways to reduce the amount of
lawn damage with other meth-
ods.
Dog waste chemistry
Understanding why urine
and feces can affect your lawn
requires understanding the
makeup of these waste prod-
ucts. The fundamental prob-
lem involves the concen-
tration of nitrogen in the solid
and liquid waste. Primarily in
dogs, the kidneys serve to re-
move excess nitrogen from the
dogs high-protein, meat-based
diet. In small concentrations,
nitrogen applied to a lawn can
actually serve as a fertilizer
helping the lawn to be green
and bright. But its the higher
concentrations that do the
most damage. These essen-
tially burn out the grass and
cause brown, bare patches that
can be rather unsightly.
A few decades ago, Dr.
A.W. Allard, a Colorado vet-
erinarian, examined numerous
variations in dog urine and the
effects on several common
lawn grasses. He found fescue
to be the most nitrogen-resist-
ant. Yet, even that grass has its
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 20, Zone 3
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are inviting members of various
organizations and committees
throughout the Borough to join
them on a tour around Kin-
nelon. The Land Conservancy
of New Jersey will be taking
notes and gathering informa-
tion on Kinnelons Historical,
Recreational, and Open Space
facilities in order to update the
Boroughs Open Space Plan.
Residents should go to the Bor-
oughs website (www.kinnelon-
boro.org) for additional
information regarding Public
Meetings in which they can
participate. Comments / sugges-
tions are always welcome at:
Kinnelon_OSAC@ yahoo.
com.
The Bloomingdale Seniors are
planning on a 10 day Caribbean
Cruise out of Bayonne on Royal
Caribbeans Explorer of the Seas
on April 26, 2012. The itiner-
ary includes Haiti, Bermuda, St.
Maartin and San Juan. For in-
formation and pricing, please
call Pat at (973) 838-9259.
Jewish Family Service of
North Jersey, a recipient of fi-
nancial assistance from UJA
Federation of North Jersey, is
expanding its Kosher Meals on
Wheels program in Wayne. The
Meals on Wheels Program pro-
vides hot, nutritious kosher
meals to people age 60 and over,
or those younger who have a
disability and who are unable to
cook or shop. Volunteer drivers
bring needed meals; offer a
smile, a greeting and a personal
contact to the elderly, many of
whom seldom get out. Drivers
are needed to deliver meals two
times a month. Presently, we
are accepting referrals for people
who would like to receive
meals. Please call Paul Klein at
(973) 595-0111 to volunteer, to
request Kosher Meals on
Wheels, or for additional infor-
mation.
The Circle of Friendship, a
support group for the separated
and divorced, meets at 7:30 p.m.
every Thursday at St. Marys
Church, 17 Pompton Ave in
Pompton lakes. For further in-
formation call Christine at 973-
335-9880.
For Singles in their 20s-30s
looking to meet other young
Jewish singles, come join us for
games, friends, snacks and
more! We meet the first Sunday
of the month at Congregation
Beth Shalom, 21 Passaic Ave,
Pompton Lakes, NJ. Bring your
friends. Find our page on Face-
book or email
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 24, Zone 3
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FALL
2011
Community Happenings
continued from page 2
continued on page 28
be traveling to Savannah,
GA, the birthplace of Juliette
Gordon Lowe, the founder of
Girl Scouts. Please support
this fundraiser because the
girls new goal is to go to Eu-
rope in 2014! And lastly, over
100 girls from all the Lakedale
troops spent a fun afternoon
together watching Annie at
the Smiling Rhino Theatre in
Pompton Lakes. Thanks to
the Theatre for making this a
fun Girl Scout outing!
The Lakedale Girl Scouts
are proud to have been asked
to participate in the Pompton
Lakes Veterans Day Cere-
mony. The pride the girls
have in their community and
the appreciation they have for
all veterans and the sacrifices
they made will be on display
when they lead the Pledge of
Allegiance along with the Boy
Scouts at the ceremony on
November 9.
Last but certainly not
least, congratulations to
Paulette Brauch, Lakedale
Service Unit Volunteer of the
Month. Paulette stepped up
to lead a Brownie troop this
year despite not having a
daughter in the troop when
they would have disbanded
because their leaders were not
able to continue. Paulette
soon found her footing with
her co-leader and has dedi-
cated herself to making this a
great year for her troop.
Without volunteers like
Paulette and the enthusiasm
she has, we could not con-
tinue the Girl Scouting tradi-
tion.
For the first time this
year, Girls Scouts are selling
Luminaries for the holiday
season. Look for the order
form in the newsletter.
visit our website at www.lifeandleisurenj.com
November 2, 2011 Zone 3, Page 25
1520 Route 23 North Wayne, N1 07470
Tel: 973-628-9801 Fax: 973-633-8163
10% Off
Regular Menu Items
Breakfast, Lunch, Dinner
Not val i d on any hol i days.
Ex pi res December 2, 2011
Chalkboard
Includes garlic bread,
soup or salad, rice
pudding or jello
Specials Daily
F
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All Night
Dinner Specials
starting at 3:00 PM
10 Meals for
$10.00 Each
I ncl udes garl i c
bread, soup or
sal ad, ri ce
puddi ng or j el l o
Coupon must be presented before ordering. Maximum 2 coupons per table. Not valid for parties of 8 or more.
Not valid on holidays. Not valid with other offers. Excludes beverage and tax. All coupons good for two meals.
NOT VALID ON HOLIDAYS. Expires 11/30/11.
*
Coupon must be presented before ordering. Maxi-
mum 2 coupons per table. Not valid for parties
of 8 or more. Not valid with other offers. Excludes
tax. NOT VALID ON HOLIDAYS. Expires 11/30/11.
*
Shrimp Scampi or Francaise
over Linguine, Veal, Chicken,
Shrimp or Eggplant Parmi-
giana w/Linguine, Chicken or
Sole Francaise w/Potato, Meat
Loaf w/Mashed Potatoes,
Fried Shrimp w/French Fries
***Soup or Salad***
With the purchase
of a beverage.
MONDAY - THURSDAY
$10.99
LUNCH SPECIAL
6 Choices for
ALL DAY
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Open For Lunch & Dinner Mon-Sat
1. Grilled Chicken or Shrimp Caesar Salad
2. Eggplant Parmigiana Platter or Hero
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5. Meatloaf with Mashed Potatoes
6. Fried Shrimp & French Fries
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CANNOT COMBINE WITH LOBSTER OFFER. Coupon must be presented before ordering. Maximum 1 coupon per table.
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Sun. 12-3; 4:30-10
www.mizukinj.com
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find
us on
facebook
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Call Now To Make
Your Reservations!
Peace out Girl Scouts!
continued from page 11
U
tilizing her 25-plus
years of experience to
persevere through a
challenging market, Sales Asso-
ciate Cindy Gallagher with
Coldwell Banker Residential
Brokerage in Kinnelon ranked
#1 in sales production in her of-
fice for September and was
named Associate of the Month.
She has earned this honor mul-
tiple times in 2011 and in pre-
vious years.
Born and raised in Kin-
nelon, Cindy Gallagher is a
Kinnelon real estate specialist
whose family has lived and
worked within the borough for
several generations. Her father
owned a family-run business
known as Butler Tire, and both
he and his store were quite well-
known throughout the commu-
nity. My fathers tire store is
where I got my feet wet in sales,
which ultimately led to a sales
and marketing career that has
spanned over 25 years, said
Cindy.
Cindy Gallagher has
earned several accolades during
her extensive career. She is a
member of the Coldwell Banker
International Presidents Elite,
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 26, Zone 3
KINNELON $1,275,000
Exquisite 6BR, 4.1 Bath, Ch Colonial, built in
2005. 2 story Great Room w/fplc., In-law suite,
W/O LL, H/W flrs., 3 car gar., 2.3 acres. KIN9560
Kinnelon/Smoke Rise 973-838-9300
KINNELON $1,195,000
Smoke Rise Impressive New Construction.
Very Grand 4BR, 4.1 bath Custom Built. Ranch
on exceptional 1.44 acre property. KIN3073
Kinnelon/Smoke Rise 973-838-8400
KINNELON $1,375,000
Elegant 5BR Colonial Professionally decorated
2-story Great room, Atrium, In-Law Suite, IG
pool, nestled on a cul-de-sac. KIN2210
Kinnelon/Smoke Rise 973-838-9300
KINNELON $1,998,000
Smoke Rise Highest standard of quality work-
manship, attention to detail. A visual feast. Truly
a work of art. KIN2048
Kinnelon/Smoke Rise 973-838-8400
KINNELON $1,999,000
Stately 4BR, 4.2 bath CHC on 3.7 acres on a
cul-de-sac, paver driveway. 3 car gar. KIN3049
Kinnelon/Smoke Rise 973-838-9300
POMPTON PLAINS $529,000
Unique 4BR Tudor with large LR, FDR, newer
EIK, 1st flr. MBR & more set on a wooded lot a
few min. from schools, shops & transp.
WYN0687
Wayne 973-694-8000
POMPTON LAKES $429,000
Spacious rebuilt 4BR, 2.5 bath Colonial with
open feel, custom trim, MBR Ste, 2 walkin clos-
ets, Lemonade front & back porches, fenced
yard. WYN0467
Wayne 973-694-8000
KINNELON $1,895,000
Smoke Rise Waterside Oasis! 17 room sophis-
ticated casual elegance describes this home.
Mature, meticulous landscaping. KIN2127
Kinnelon/Smoke Rise 973-838-9300
KINNELON $2,399,000
Conveniently tucked away in heart of Kinnelon
on cul-de-sac rests incredible 12,000 sq. ft.
Estate with cutting edge amenities. KIN1152
Kinnelon/Smoke Rise 973-838-8400
WAYNE $529,900
Meticulous 4BR, 3.1 bath Townhome with up-
dated kit, Granite, breakfast room, HW flrs.
throughout, wo fin. Bsmt. & gar. in choice lo-
cation. WYN0616
Wayne 973-694-8000
WAYNE $439,900
3BR, 1.5 bath Ranch with Slate entry. DR/LR
combo with fplc. Wood flrs., FR with wall of win-
dows to lakeviews, updated kit., fenced yard &
garage. WYN0755
Wayne 973-694-8000
WAYNE $219,900
Immaculate & charming 3BR, 1.5 bath Ranch
with DR, LR, Great rm with wood burning stove
+ garage. WYN0831
Wayne 973-694-8000
WAYNE $529,900
Gracious 5BR, 2.5 bath Colonial with great open
floor, FR with fplc., beautiful rear yard with IG
pool & 2 car gar. Near all tranp. WYN0278
Wayne 973-694-8000
WAYNE $449,900
Large 6BR, 2.5 bath Colonial with sep. qtrs. &
private entrance, FR with fplc., HW flrs., newer
bath, 2 separate drives, gar. & MORE in a great
loc. WYN0160
Wayne 973-694-8000
WAYNE $895,000
Stately 5BR, 4.5 bath Colonial with Library ofc,
front/rear staircases, HW flrs., Centerisle kit.,
fin. Bsmt., full bath, IG pool on large property.
WYN0615
Wayne 973-694-8000
KINNELON $1,450,000
Secluded 6BRs, 5.2 home, 5 car garage, 5 fplcs,
IG Gunite pool with Spa, 2 Master Suites on
4.51 acres. KIN2156
Kinnelon/Smoke Rise 973-838-9300
KINNELON $1,500,000
Smoke Rise 5BRs, 5.1 Unique Custom home
with lake views, sprawling flr. Plan with special
features. KIN2208
Kinnelon/Smoke Rise 973-838-8400
KINNELON $1,600,000
Smoke Rise Lakefront luxury exquisite 6,000
sq. ft. Georgian Colonial on 3 acres in the pres-
tigious Smoke Rise Community. KIN9352
Kinnelon/Smoke Rise 973-838-8400
WANAQUE $499,940
New construction Wanaque Reserve 55+ com-
munity with 2119 sq. ft. living space (West-
brook) + impressive 20000 sq. ft. clubhouse
with activities! WYN0032
Wayne 973-694-8000
WAYNE $347,000
3BR, 2 bath Split on 1/3 acre level lot. NO
FLOOD! Fplc., wood flrs., CA, Bsmt. + gar. Lake
priv. walk to NY bus. Home warranty. WYN0226
Wayne 973-694-8000
WAYNE $479,000
Be ready for a surprise! 4BR, 4 bath Immaculate
Split with LR w/fplc., DR, kit., FR w/fplc., 2 car
gar & beautiful yard with IG pool. WYN0879
Wayne 973-694-8000
KINNELON $1,149,999
Fab. Smoke Rise Georgian Manor Ch Col. On
private Estate like setting, cul-de-sac. 1.68 acre
lot blocks to green acres. KIN9003
Kinnelon/Smoke Rise 973-838-8400
KINNELON $1,047,000
Gracious CH Colonial built in 95, 5BRs, 3.1
baths, 2-story Great Room, fplc., IG pool, 3 car
gar. on 1.54 acres. KIN2181
Kinnelon/Smoke Rise 973-838-9300
BLOOMINGDALE $199,900
Great 3BR, 1.5 bath Townhome in good condi-
tion overlooking pond & playground with nice
layout, 1st floor den & private deck. WYN0798
Wayne 973-694-8000
Cindy Gallagher is #1 in sales at Coldwell Banker Kinnelon
Veteran realtor named associate of the month for September
continued on page 28
Y
ou are probably wonder-
ing, how is it possible to
determine my cost be-
fore I know which schools my
student will apply to or ulti-
mately attend. For the most
part, it does not matter which
school. What matters is what
you will be expected to pay in
the form of your Expected Fam-
ily Contribution (EFC) and the
projected unmet need. Just as
important, you need to know
your familys ability to pay the
EFC, which will be the absolute
minimum out of pocket regard-
less of which school your stu-
dent attends. Since schools
differ in the amount of aid they
can provide, your cost will defi-
nitely be your EFC; and in most
cases, some unmet need. How
much Need Based Aid you will
be eligible for is determined by
subtracting your EFC from the
Cost of Attendance at the
school. Remember, your EFC
remains constant. These exam-
ples will illustrate the point.
School A: Cost of Attendance
$30,000 less EFC of $30,000
equals $0 Need.
School B: Cost of Attendance
$40,000 less EFC of $30,000
equals $10,000 Need. Your
need is what you are eligible for,
not necessarily what you will re-
ceive.
Let me better explain. In
the college planning and finan-
cial aid world, every family will
have an Expected Family Con-
tribution (EFC), based on fi-
nancial aid formulas. Be
prepared, because this number
usually results in shock or tears
of disbelief when families learn
what their EFC will be. It is not
worth arguing or debating
whether the formulas are cor-
rect or fair. Parents often laugh
or panic when we tell them
their EFC and commonly say,
How do they expect us to come
up with that kind of money?
The point is: you need to
know your EFC, and realize it
will be the same regardless of
the school; so why wait to find
out and further delay planning.
The only way to pay less than
your EFC is if your student goes
to a school that cost less than
your EFC; for example, a com-
munity college. Once you deter-
mine your EFC, it is time to
determine how you will pay that
amount, regardless of the
school. Need based aid is meant
to help cover your financial
need, not your EFC. Therefore,
you will pay your EFC from ei-
ther, savings, investments, your
income, or by borrowing. Many
families do not have enough
savings to cover their EFC for
the first year, let alone four or
more years. Therefore, most
families will be borrowing to
cover a portion of their EFC.
Once you determine how
much you are expected to pay
(your EFC and unmet need), it
is important to determine how
much you can pay, or more im-
portantly how much you should
pay. It is crucial to determine
how much you should pay early
on, because if you dont, you
could paint yourself into a cor-
ner financially. You should
know how much you may have
to borrow and what that means
in monthly payments. If you
have found it difficult to set
aside money each month lead-
ing up to college, what will
change to make money avail-
able to make the monthly pay-
ments on college loans? It is
very important to know the an-
swer to this. If things are that
tight, the answer should not be
deferring all payments on all
loans until after college is com-
pleted. That just might be a
temporary deferment resulting
in a much bigger problem. By
deferring, the payments will be
larger, so you must be comfort-
able with the students future
career direction and earning po-
tential to cover the larger pay-
ments. Assessing the various
loan options is a topic in itself.
Back to determining how
much you (specifically the par-
ents) should pay. While it is a
noble and preferred goal for
most parents to cover the ma-
jority of college for their chil-
dren, you must determine in
advance the impact your college
contributions will have on your
own retirement. The reality is
that most parents may have fif-
teen to twenty years left of high
earnings potential, once their
children are out of college. If
you continue to pay off loans for
college expenses after your stu-
dent has graduated, your time
frame to bolster your retirement
becomes even shorter. In addi-
tion, should a parent get laid off
or is ever disabled for any period
of time, both college and retire-
ment may take a hit.
Before committing to a
contribution amount, parents
should do a detailed analysis of
what their retirement picture
might look like, based on their
efforts to date and reasonable
projections into the future.
Many people fall prey to seeing
large dollar amounts in their re-
tirement plans and thinking
they will be fine when their re-
visit our website at www.lifeandleisurenj.com
November 2, 2011 Zone 3, Page 27
PEQUANNOCK $515,599
NEWLY UPDATED
Large 4BR, 2.1BA Bi-Level w/2 car gar. on 1.5 acres.
Fea: newer siding, windows, porch, bath, gar drs. & front
dr., new alarm syst., freshly painted plus HW flrs. Great
loc. w/lots of privacy.
WANAQUE $279,900
NEW CONSTRUCTION
With 4 new townhouses a true value! Over 1,500 sq ft of
living area for this 3BR, 2.1BA unit with full bsmt. Many
builder amen. Be the first to choose your loc. Very close
to shopping.
WANAQUE $280,000
GREAT OPPORTUNITY
Great location to own this 4BR, 2FBA, HW flrs, granite in KIT,
2FBAs, full bsmt. Home is near Rt 287 & shopping.
WEST MILFORD $225,000
CUSTOM HOME
Loaded with potential fea: 3BR, 2.1BA, newer KIT, win-
dows, some Pergo & HW flrs., FR w/WBS, huge MBR w/his
& her clos. Deck overlooking priv fen. yd.
LINCOLN PARK $239,900
FIRST FLOOR LIVING!
Spotless 2BR, 2FBA condo. Newer furn/A/C & water
heater, inlaid hdwd flrs,granite counters/newer carp. MBR
w/cust walk-in closet & priv bath.
BUTLER $469,000
NEW CONSTRUCTION
Gorgeous custom Maple KIT cab w/granite & ss appls in
this 4BR, 2.1BA Colonial. Fea: FR w/FP, MBR w/FBA &
WIC, HW flrs & 9 clgs. Must See!
BUTLER $299,900
CONDO WITH LOFT
Cambridge Hts come see this gorgeous Condo fea: new kit
w/granite counters + ss appls., new HW flrs. Entire condo
recently painted, crown moldings & huge loft.
Butler
1333 Route 23 South
Office: 973-838-1001
Maryann Brown/Jeff Montemarano, Brokers/Onwners
www.c21preferredrealty.com
-WAYNE $429,900
CHARMING CAPE
On oversized extra lrg lot, has been renovated fea: 5BR,
2FBA, new KIT, HW flrs, lrg BRs & rm sizes w/new windows.
Semi-fin bsmt ready for extra FR. Expansive covered porch,
Lrg priv backyd. Near hwys & mass trans. Not in Flood.
BLOOMINGDALE $309,000
UPDATED RANCH
Fall in love with this 3BR, 1BA updated Ranch fea: new
roof/win/ba/HW flrs w/FDR/LR/all season sun rm/den, +
FR & beaut. gardens.
WEST MILFORD $899,000
LAKE FRONT HOME
Walls of windows hallmark this outstanding home. Views
from all rms yr round! Soaring clgs; flr to clg windows & an
open flr plan w/5BR; 4F-BA. MSuite w/priv. balcony o/looks
lake & so much more! Come and explore.
RINGWOOD $178,000
RANCH
Great opportunity for lakefront fixer-upper for this 2BR,
2FBA, home will full WOB. Enjoy private setting close to
beach area/mass trans/ major roadways.
WEST MILFORD $199,000
LINDYS LAKE
Enjoy lake community living in this bright & spacious 2BR,
w/loft, log cabin. LR w/cath clg. & stone WBFP, all appls
incl. Home Warranty! Yr round activities incl: swim-
ming/fishing/boating.
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continued on page 28
Determine your cost for college before looking at schools By Chuck Drawbaugh
singles.jewish@gmail .com
Passaic Valley Hospice, a non-
profit organization is in need of
volunteers for various duties.
Volunteers are an integral part
of the professional Hospice
team that provides physical,
emotional and spiritual support
to the terminally ill. They work
directly with patients and fami-
lies providing respite for care-
givers, companionship for
patients and families and run er-
rands. For additional informa-
tion please call at 973-256-4636
ask for Laura Entwistle. Week-
day volunteers are especially
needed. REACH OUT - Give
the Gift of SELF!!
Mommy and Me Fitness!
Mothers with infants and young
toddlers have always been chal-
lenged to find a way to get back
in shape while focusing on the
demands of new motherhood.
This class lets mom keep baby
within arms reach so there is no
need to worry about finding a
sitter or making the time away
from baby to workout. The
StrollFit program is developed
with the needs of both mom
and baby in mind. Each 60-
minute class consists of cardio-
vascular, strength and flexibility
training for a total body work-
out. The classes also provide a
great environment for moms to
connect with one another and
develop support systems for
achieving fitness goals. Not to
mention bonding with baby!
Now offered in 2 locations
Wayne and Montclair. For more
information or to attend a free
class- Contact Tami Wolfe at
973-896-4828 or email tamis-
wolfe@comcast.net.
representing the Top 1% of over
100,000 Coldwell Banker agents
worldwide. Gallagher has con-
sistently earned the New Jersey
Association of REALTORS
Circle of Excellence Sales
Award for her outstanding serv-
ice and sales performance. A
real estate veteran with unpar-
alleled knowledge of her market
area, she is also a Previews Prop-
erty Specialist, expertly trained
in marketing luxury homes; and
a Relocation Specialist.
For information about buy-
ing or selling a home in Morris
County, contact Cindy Gal-
lagher with Coldwell Banker
Residential Brokerage in Kin-
nelon at 973-714-3897 (cell) or,
973-283-7725 (office direct) or,
973-838-9300 ext 244. You can
view area listings at www.cold-
wellbankermoves.com.
Cindy Gallagher
tirement day arrives. Take the
time to confirm what will prob-
ably be, and dont rely on what
you think will be in retirement.
If you are not comfortable with
your retirement picture, you
may have to reduce your contri-
butions toward college. The
bottom line is that your student
will have their entire working
lifetime to address loans, while
you may have a limited window
to pay down mortgages and bol-
ster your retirement before
going on a fixed income. Just
remember, at the time you
might be running short of
money in your retirement, your
children who you have kindly
helped through college may be
struggling financially as they are
raising their own families.
Therefore, you cannot necessar-
ily count on them to pay you
back later in life.
In summary, families need
to determine their EFC and
their ability to pay as early as
possible. Determining this in an
eleventh hour reactionary mode
typically does not work out in
anyones favor. In essence, pay-
ing for college may not be just a
college problem; dont let it be-
come a retirement problem as
well.
Chuck Drawbaugh is president
of College Funding Associates in
Rumson, NJ. Chuck Draw-
baugh will be presenting a FREE
workshop on college financial
aid on Thursday, November
17th at 7:00pm at the Wayne
YMCA, One Pike Ave,
Wayne. If you have any ques-
tions for Chuck or youd like to
register for the workshop please
call 732-224-1496 or register
on the website www.college-
fundingassociates.com.
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 28, Zone 3
Listing and Selling More Homes in Smoke Rise than ALL of Our Competition Combined
ColdwellBankerMoves.com Kinnelon
2011 Coldwell Banker Real Estate LLC. Coldwell Banker is a registered trademark. Route 23 South, Kinnelon, NJ 07405. Licensed to Coldwell Banker Real Estate LLC.
An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC.
(973) 838-8400
Seller to pay Smoke Rise Initiation Fee of $6250!*
*Incentive for qualified buyers with contracts on participating properties that close by 12/31/2011. $6250 to be a credit at closing from Seller to Buyer. Credit subject to lenders approval. Credit to be included as part of negotiated contract.
744 RIDGE ROAD
Fab. Smoke Rise Georgian Manor CH Col. on priv. Est.
like setting - cul-de-sac. 1.68 Ac. lot backs to green acs.
4 SHADYSIDE TERRACE
Smoke Rise-Delightful 12RM 5BR 3.1BA expanded
Ranch on a cul-de-sac w/pool & fin. W/O LL.
38 CHERRY TREE TERRACE
Smoke Rise-Impressive New Const. Very grand 4BR
4.1BA Cust. Blt. Ranch on exceptional 1.44Ac. property.
834 WEST SHORE DRIVE
Smoke Rise-Highest standard of quality/workmanship
& attention to detail. At every turn a visual feast. Truly a
work of art.
752 WEST SHORE DRIVE
Smoke Rise-5BR 5.1 BA Unique Cust. home with lake
views, sprawling flr. plan w/special features.
65 EAST LAKE ROAD
Smoke Rise Waterside Oasis! 17 Rm. sophisticated ca-
sual elegance describes this home. Mature, meticulous
landscaping.
39 FOXLEDGE TERRACE
Smoke Rise-17Rm Cust.Home features 5BRS/5.2BTHS,
4C.Gar. Too many amenities to list.
Determine your cost for college
continued from page 27 continued from page 26
Community Happenings
continued from page 24
Feature Your Listing in
Our ReaI Estate Section
CALL 973-696-8008
OnIy
$125
UNLOCK YOUR SELLING
POTENTIAL WITH
LIFE & LEISURE
100% MaiIed to over
53,000 Homes & Businesses
C
oldwell Banker Real
Estate, LLC has taken
the next step to help
people turn their dreams of
homeownership into reality by
launching a new portal on its
website specifically for first-time
home buyers. The First-Time
Home Buyers Resource Center
includes videos, articles and
tools to answer questions and
guide new home buyers through
the real estate search process.
According to the National
Association of REALTORS,
first-time home buyers ac-
counted for half of all the real
estate market home sales in
2010. A recent survey by Cold-
well Banker Real Estate found
that 93 percent of first-time
home buyers said using online
tools to find detailed informa-
tion about homes was impor-
tant to them.
Your first home purchase
can be both an exciting and an
overwhelming experience, said
Hal Maxwell, president of
Coldwell Banker Residential
Brokerage in New Jersey and
Rockland County, NY. Thats
why Coldwell Banker created
this incredibly valuable re-
source. It helps simplify the
steps toward home ownership
for first-time buyers and makes
the whole process more enjoy-
able.
Maxwell added, Many
first-time homebuyers recognize
that if they have the financial
ability, now is a smart time to
buy a home. This resource cen-
ter can provide the confidence
they need to enter the real es-
tate market and valuable in-
sight so they can work best with
their agent.
The new web portal, which will
be updated regularly with
timely content to help first-time
home buyers, provides informa-
tive features from coldwell
banker.com, including multiple
ways to search and recommen-
dations for like properties. It
also includes:
Video tips and advice about
selecting a home, moving, ren-
ovating, and decorating
Informative articles on such
topics as how to select a real es-
tate agent, identifying wish list
items vs. must-have items for a
first home and determining
how much is affordable
Mortgage calculator
Affordability radar This fea-
ture breaks down a homes list-
ing price into what the monthly
payment might be at current
mortgage rates
The new First-Time Home
Buyers Resource Center is a
continuation of the Coldwell
Banker Real Estate innovative
online resources. Coldwell-
banker.com already features
BlueScape, a unique way to
search for homes by emotion
and feelings. Clients select from
a series of images that they like
or dislike and the site returns a
group of homes that might meet
their needs. The website also
has a lifestyle search, which al-
lows people to use a simple, slid-
ing scale to rate elements of a
home and community that
matter most to them. In addi-
tion, Coldwell Banker Real Es-
tate partnered with YouTube to
develop Coldwell Banker On
Location. This site allows con-
sumers to gain market perspec-
tive, community highlights and
home video listings from Cold-
well Banker sales professionals.
More than 2.5 million channel
views have been recorded since
its launch in May 2009.
Survey Methodology
Coldwell Banker Real Es-
tate LLC conducted an online
survey of 300 first-time home
buyers in the United States
(people who purchased their
first home within the last year)
on their experiences and per-
ceptions of the home buying
process.
About Coldwell Banker
LC.#13VH01757100
0785 SER. HOME
IMPROVEMENT
0827 SERVICES
PAINTING
The Original
Georges Painting
Interior and Exterior
Painting
Home Improvements
Free Estimates Fully Insured
973-628-9143
Established 1986
Yen's Pet Sitting Services
In Home Boarding, Pet Sitting & Doggie
Daycare, DogwaIking
Yenspetsittingservices.com
201-575-9997
0838 SERVICE PET SITTING
Advertise in the Classifieds.
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When its time to sell something you no longer
need or use, move it with the Classifieds.
Life & Leisure
www.lifeandleisurenj.com
To Advertise
Call
(973)
696-8008
Ask for Kathleen
J
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Y
A
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P
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C
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S
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&
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...AND MORE!
Dr. Ramtin Kassir has extensive experience in the fields of facial plastic and cosmetic surgery, endoscopic sinus surgery and laser surgery.
He is double board certified in Facial Plastic and Reconstructive Surgery and Otolaryngology/Head & Neck Surgery and is a fellow of the American College of Surgeons.
Dr. Kassir discusses
innovative laser lipo
on Fox business
news and Bravo
In the media:
1176 Hamburg Tpke Wayne, NJ
973-692-9300
799 Park Ave New York, NY
212-288-3000
81 N. Maple Ave Ridgewood, NJ
201-857-2370
www. dr kas s i r. com
As Seen On
Lip Augmentation
BOTOX
Injections
Dysport
Restylane
Perlane
Radiesse
Ulthera
Bella Contour
Juvederm
Liquid Facelift
Sculptra
Fat Transfer
Latisse
Microdermabrasion
Fractional Laser
Laser Skin Resurfacing
Laser Lipo
Lasertight
Fraxel
Pearl
Reveal
Skin Analysis
Laser Hair Removal
Laser Peels
(Photo Facial)
Laser Facial Veins
Laser Leg Veins
Laser Tattoo Removal
Hair Transplants
Facelift
Band Aid Lift
K-Lift
Rhinoplasty
Forehead Lift
Eyelid Surgery
Facial Liposuction
Chin Augmentation
Ear Surgery
Featured on the
Real Housewives
of New Jersey
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Care Credit offers special nancing and low monthly payment options. Get what you want, when you want it! Call the ofce for details.
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s a New York & New Jersey Double
Board Certified Facial Plastic Surgeon, I
see people from all over the world who
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appearance to the neck and jaw line is a common
desire from both men and women from around the
globe and this is a trait that equates to beauty in
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The new K- Lift