C

hristmas has always been
a beautiful thing to me. I
remember growing up
with the anticipation of the day,
the gifts and the family time. I
was always the first one up on
Christmas day to inspect the gifts,
smell the tree and wait for every-
one else to waken. There was a
totally different feeling about this
time of year; more than the gifts
or different experiences, some-
thing amazing was going on that I
couldn’t really explain.
I still remember the smell of
the tree that stood in the stand
welded by my grandfather. We all
decorated it, but it was my job to
water it. My mother baked butter
cookies that we adorned with
sprinkles, chocolate chips, and
red and green cherries. I got a
Mongoose BMX bike with chro-
moly frame that I rode in the
snow on Christmas morning. I
even managed to put my first
scratch on it, too!
Family time at my grand-
mother’s house was the best part.
We ate turkey, ham, kielbasa,
mashed potatoes and pierogies,
and then watched “Miracle on
34th Street” and “It’s a
Wonderful Life” in black-and-
white.
As I grew into a young adult,
Christmas lost some of its shine. I
no longer cared about the gifts.
My grandparents passed on. I
found myself having to replace
what I loved with new experi-
ences for my family. Some things
stayed the same, others changed
forever. I had to recapture the
beauty of Christmas.
Now as I raise my family, I
help them embrace the beauty of
Christmas for themselves. Each
year, I break out the iron
Christmas tree stand that my
grandfather welded. It is one of
the only things I own from him.
We drive to a nearby farm and
Recapturing the beauty of Christmas
By Jack Redmond
Proverbs 3:5,6 • God Bless America
Recycled Paper from 30% Post Consumer Waste
December 11, 2013
Zone 2, Vol. 11, No. 24
We are a Family, Friendly Publication
continued on page 12
NOTE: To have your group’s announce-
ment appear in Community Happenings,
please e-mail your paragraph to calen-
dar@lifeandleisurenj.com.
DEC 14
•The Montville Reformed Church presents
our Annual “Live Nativity” on Saturday
night December 14 and Sunday night
December 15 starting at 7pm. For more
than twenty years we have invited the
public to celebrate the outdoor “Live”
Christmas Story with our congregation.
Mary, Joseph, the wisemen, shepherds
and angels along with the choir and live
animals tell the story of Jesus birth. After
the presentation and petting time with the
animals, we invite you to join us in the
parish hall for refreshments and fellow-
ship. The church is located at 9 Church
Lane Montville. For information, please
contact the church office at 973-
263-0530 or visit our website
www.montvillereformed.org.
•The Montville Lutheran Church of the
Holy Spirit, 70 River Road, Montville, will
have pictures with Santa and a light con-
tinental breakfast for free on Saturday,
December 14 from 10-11:30am. Children
will have the opportunity to make a craft,
learn some new Christmas songs, and see
a puppet show about the real meaning of
Christmas. Bring your camera, registra-
tion begins at 10am. For more informa-
tion call Rev. Dennis Rockett at 201-916-
2455.
Around the
Community...
•Green Pond Bible Chapel is excited to
host along with area churches: Spring
2014 Perspectives 15 weeks; 15
Instructors; one epic story. Classes are
Monday evenings from 6:30-9:30pm
January 6 to May 5; biblical, historical,
cultural, strategic. Get threaded into Gods
story this fall as you experience His heart
for every tribe, tongue, people and nation
and encounter the momentum of the
World Christian Movement. This class will
change your life - for the good! You’ll get
a new perspective on God’s heart and
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 2, Zone 2
100% Mailed, Bi-Weekly Newspaper
234 Main Street, 2
nd
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Lincoln Park, NJ 07035 i 973.696.8008
Publisher: Joe Pellegrino i Editors: Bethanne Pellegrino & Kenneth Nicholas i Art Director: Robin Banta
Sales: Lisa Buniewski, George Papendick, 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. © 2013 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.
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C
ategory I. Some people
believe that written in
some big book some-
where, all Americans are enti-
tled to a retirement free of
financial stress and worry.
There are no prerequisites, laws
or rules listed in their financial
planning bible that ensure this
stress-free retirement, like liv-
ing below one’s means for
decades to generate and invest
the funds necessary to become
financially independent, or the
requirement to secure an edu-
cation in financial manage-
ment. No, these folks are either
hoping that manna from heav-
en will fall from the sky, specif-
ically on their roof. They bask
in the power of the voting
booth, voting for the systemat-
ic destruction of the wealthy,
those who made sacrifices and
took the risks to attain and
retain their wealth, by taxing
them into oblivion under the
rouse of “paying their fair
share.” It doesn’t matter to
Category I people that there
are not enough rich people to
tax to fulfill this objective,
even if the tax rate were 100
percent of everything they
possess!
Category II. Other people
just plain ignore the facts and
responsibility for proper finan-
cial management up to and
during their own retirement. If
they don’t think about it, either
it will just take care of itself or
they’ll worry about it when
they get there, thinking the
government will bail them out
and provide for them.
Category III. These folks
are waiting for, and depending
on, an inheritance to secure
their financial future.
Category IV. This em-
ployee was terminated for lack
of output, a bad attitude and
extreme habitual tardiness. He
was written-up for these offen-
sives multiple times before
being terminated. He immedi-
ately showed up at the unem-
ployment office to file his
claim, which was summarily
denied as he was fired for cause
with proof, as evidenced by his
own signature accepting
responsibility from his quarterly
reviews. One week later he
appealed the decision and was
immediately reimbursed for the
previous week and given bene-
fits for 99 weeks. Amazingly, he
just got a job at the exact
moment his 99 weeks of unem-
ployment checks were about to
cease. He is probably also a
Category I individual at the
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 3
Welcome Dental Exam $95
Includes Complete Set of X-Rays and
Oral Cancer Screening
New Patients Only
Is retirement an entitlement? By Mark Charnet
continued on page 27
I
t’s important to maintain
an active mind, whether
you’re young or old. Even
when the elderly are receiv-
ing in-home care, it’s vital to
challenge the mind and keep
it healthy and sharp. For sen-
iors and senior caregivers,
here are some healthy ways
to help maintain and even
increase brain function in
seniors.
1.Do puzzles. Puzzles require
cognitive effort and will help
prevent memory loss. Some
examples are Sudoku, cross-
word puzzles and jigsaw puz-
zles.
2.Read books. Reading
maintains and helps develop
a stronger vocabulary for sen-
iors.
3.Learn or practice speaking
other languages. Learning a
new language helps reduce
the slowing of the thought
process that comes with age.
4.Take classes. Arts and
crafts, cooking or dance
classes challenge seniors to
absorb new concepts, ideas
and information. This will
also help them to sharpen
retention of information
through memorization.
5.Exercise. Staying in excel-
lent physical shape can help
prevent some of the effects of
aging.
6.Keep a journal. Writing in
a daily journal is a perfect
way for seniors to keep their
minds sharp and their memo-
ries fresh.
7.Stay social. Frequent
socialization is a great way to
keep seniors engaged.
Catching a movie, going
shopping, attending events
and engaging in meaningful
conversations are ways to
keep them active socially.
Sonia Scott is the owner of
Dorson Home Care, a full-
service home health care
agency providing families
throughout northern and cen-
tral New Jersey with compas-
sionate home care
services since 1989.
Call 973-672-7691 or visit
www.dorsonhomecare.com.
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 4, Zone 2
• Partials • Repairs
• Extractions
• Tooth Whitening
• Nitros Oxide Sedation
• Gum Treatment
• Dentures • Implants
Most Insurance Accepted
LINCOLN COMMONS
DENTAL ASSOCIATES
Mark De Fonte, DMD
59 Beaverbrook Rd., Suite 301, Lincoln Park, NJ
973-686-0060
NEW PATIENT (No Insurance) SPECIAL
Exam, Prophy & Xray $115
• Latest Cosmetic Techniques
• Crowns & Bridges
• Root Canals
ASSOCIATED EYE PHYSICIANS, P.A.
www.njeyedoc.com
Call Today For Our New Extended Early Morning & Evening Hours!
505 Wanaque Ave., Pompton Lakes • 973.835.1222
1033 Clifton Ave., Clifton • 973.472.6405
973.835.1222 973.472.6405
Charles D. Crowley, M.D. and his Associates offer eye care for the entire family
– from surgery to glasses.
Seven ways for seniors to keep their minds active
eternal desire since the beginning of time.
Enroll online at: www.Perspectives
.org/GreenPond or Call 973 697 0990.
What is perspectives? Check it out! At
http://vimeo.com/5686660.
•The Lutheran Church of the Holy Spirit
located at 70 River Road, Montville, will
be sponsoring a Christian Based pro-
gram for children ages 2-3 years old
and adult caregiver called Toddler
Connection. The group will begin on
January 10 and will meet from 10-
11:15am. Care Givers can be moms,
dads, grandpas, grandmas, uncles and
aunts. It is a time to meet other parents
of toddlers and to engage in activities
that will help your toddler grow spiritu-
ally and educationally, and to just have
fun together. So sign up today the pro-
gram is free and is limited to only 10
families. Please call Rev. Dennis Rockett
at 201-916-2455 to register your child.
•True Vine Christian Center, located at 99
Two Bridges Road in Lincoln Park offers a
food pantry which is open every second &
fourth Wednesday of the month.
Remaining 2013 dates are as follows:
December 11 & 19 (this is the third
Wednesday since the fourth is Christmas
Day). The hours are from 5:30-6:45pm.
It is for families that are in need.
•Whether you are still suffering from the
bleak memories of war or have resolved
to put it all behind you, Point Man
Ministries is for you. Point Man is a
Christian ministry dedicated to helping
veterans find peace with themselves and
the world around them. If you are doing
fine after the war, that’s fantastic but
don’t forget about your buddies who are
still suffering. Find out how you can help.
Call Barry Jensen at 973-809-9665.
Point Man Ministries meets the first
Thursday of every month from 7:30
9:30pm at Cornerstone Chapel 620 Route
23 North, Pompton Plains.
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 5
HIGHEST PRICES
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Sell The
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Community Happenings
continued from page 2
continued on page 13
T
he prescription rinse
for gum disease is
chlorhexidine, pro-
duced under the brand name
Peridex, but it stains teeth
and doesn’t taste great,
which prevents patients from
using it as prescribed.
However, there might
be a new alternative. A natu-
ral root from the spice cur-
cumin has anti-inflammato-
ry, anti-oxidant and antibac-
terial properties. It has a yel-
low color and is found in the
spice turmeric. Soon it could
be found in a mouthwash!
Researchers at Ragoola
Dental College in Puna,
India compared a curcumin
mouth rinse with chlorhexi-
dine in patients with gingivi-
tis. Plaque (oral bacteria) de-
creased tremendously after
just three weeks of use and
the gingivitis improved.
Curcumin could be used
in an alternative mouthwash
for gum disease, but longer
term studies are first needed
to confirm the study’s find-
ings.
Dr. Peter Brusco is a 1980
graduate of The University of
Pennsylvania and has been
practicing in Kinnelon since
1982. Dr. Brusco’s practice is
located at 170 Kinnelon Road,
Suite 29A in Kinnelon. You
may reach him by calling 973-
838-5862 or visit him on the
web at www.drbrusco.com.
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 6, Zone 2
Spice up your mouth-
wash to improve gum
health By Peter Brusco, DMD
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 7
Dr. Peter Brusco, D.M.D.
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saving your teeth for a
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visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 8, Zone 2
D
ecorations and shop-
ping are integral
parts of the holiday
season, but very often it is the
music being played over the
airwaves that sets the tone for
the festivities to come.
Christmas music has been
enjoyed for decades and cer-
tain compositions are widely
loved and played year after
year. The American Society
of Composers, Authors and
Publishers, who compiles lists
of the most popular songs,
lists “Santa Claus Is Coming
to Town” and “Winter
Wonderland,” both of which
were written in 1934, as the
oldest and most popular
tunes. The newest pop-
ular song is “Wonderful
Christmastime,” composed in
1979. Though personal pref-
erence often determines a
holiday playlist, the following
tunes are of the more popular
Christmas songs:
•“The Christmas Song
(Chestnuts Roasting on an
Open Fire)” - Mel Torme,
Robert Wells
•“Santa Claus Is Coming to
Town” - Fred Coots,
Haven Gillespie
•“Have Yourself a Merry
Little Christmas”
- Ralph Blane, Hugh Martin
•“Winter Wonderland” - Felix
Bernard, Richard B. Smith
•“White Christmas”
- Irving Berlin
•“Let It Snow! Let It Snow!
Let It Snow!”
- Sammy Cahn, Jule Styne
•“Rudolph the Red Nosed
Reindeer” - Johnny Marks
•“Jingle Bell Rock”
- Joseph Carleton Beal,
James Ross Boothe
•“I’ll Be Home for Christmas”
- Walter Kent, Kim Gannon,
Buck Ram
•“Little Drummer Boy”
- Katherine K. Davis, Henry
V. Onorati, Harry Simeone
•“Sleigh Ride” - Leroy
Anderson, Mitchell Parish
•“It’s the Most Wonderful
Time of the Year”
- Edward Pola, George Wyle
•“Silver Bells”
- Jay Livingston, Ray Evans
•“Rockin’ Around the
Christmas Tree”
- Johnny Marks
•“Feliz Navidad”
- Jose Feliciano
•“Blue Christmas”
- Billy Hayes, Jay W. Johnson
•“Frosty the Snowman”
- Steve Nelson, Walter E.
Rollins
•“A Holly Jolly Christmas”
- Johnny Marks
•“I Saw Mommy Kissing
Santa Claus”
- Tommie Connor
•“Here Comes Santa Claus
(Right Down Santa Claus
Lane)” - Gene Autry,
Oakley Haldeman
•“It’s Beginning to Look a Lot
Like Christmas”
- Meredith Willson
•“(There’s No Place Like)
Home for the Holidays”
- Bob Allen, Al Stillman
•“Carol of the Bells” - Peter J.
Wilhousky, Mykola Leontovich
•“Santa Baby” - Joan Ellen
Javits, Philip Springer, Tony
Springer
•“Wonderful Christmastime”
- Paul McCartney
“White Christmas” is the
most covered Christmas song
of all time. There are more
than 500 versions in several
different languages.
Most popular Christmas songs
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 9
Baroque Jewellers
92 Route 23N • Riverdale • BaroqueJewelers.com
Holiday Hours: Mon thru Fri 12-8pm • Sat 10-5pm • Sun Noon-5pm
FOR CREATING TREASURED MEMORIES
973 616-0888
Starting at
$
199
I
t’s not too late to consider
tax moves that could
reduce your 2013 taxes
and get you in a better tax
position for 2014.
•Be aware of higher tax rates.
In 2013 the top tax rate has
been increased to 39.6 percent
for top bracket taxpayers
(with taxable income over
$400,000 for singles, $450,000
for married taxpayers). In
addition, singles with income
greater than $200,000 (or
$250,000 for married taxpay-
ers) will be subject to the new
3.8 percent surtax on net
investment income. If you
believe that you will be close
to this limitation, consider
making moves that will defer
income into 2014.
•Take advantage of tax-
deferred accounts. All of the
new tax rates and phase-outs
are based upon adjusted gross
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 10, Zone 2
Has your child been diagnosed with...
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• Hypotonia (low muscle tone)
• Down Syndrome
• Spina Bifida
• Metabolic Disorder
• Traumatic Brain Injury
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Riverdale, NJ 07457
973.616.8300
• Physical Therapy
• Occupational Therapy
• Sensory Integration
• Speech Therapy
• Childhood
Weight Loss
...then give us a call 973.616.8300
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Year-end tax-cutting suggestions for individuals By Robert Sokoloff, CPA
continued on next page
income or taxable income.
The most efficient way to
reduce both of those items is
to maximize contributions to
tax-deferred retirement plans.
If your employer offers such a
plan, make maximum use of it
(such as a deferred compensa-
tion plan). If not, see if you
are eligible for your own
deductible IRA.
•Consider a health savings
account (HSA). Investing in
an HSA gives you a current-
year tax deduction, while pro-
viding a savings account to
use to pay out-of-pocket med-
ical expenses currently or in
the future. An HSA is not a
“use it or lose it” plan. Any
funds in the plan can be used
in future years. And be aware
that you can fully fund your
HSA up to April 15 of the fol-
lowing year.
•Make charitable gifts from
your IRA. Seniors age 70-1/2
and older can make charitable
contributions directly from
their IRA. While this won’t
be deductible, it can apply
against your annual required
minimum distribution
(RMD), thereby lowering
your adjusted gross income.
For guidance with your year-
end tax planning, contact our
office.
Robert P. Sokoloff CPA &
Associates, PC is a full-service
accounting firm serving clients
throughout the northern NJ
area, dedicated to providing
our clients with professional,
personalized services and guid-
ance in a wide range of finan-
cial and business needs. We
are currently accepting new
clients and can be contacted
with any of your tax or busi-
ness needs at 973-633-1001
or rps@cpanewjersey.com.
Visit our website at
www.cpanewjersey.com.
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 11
220 West Parkway • Pompton Plains
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Year-end tax-cutting suggestions for individuals
continued from previous page
pick out a tree. My children
decorate the tree and spend an
entire day making a paper
chain from construction paper
as their special contribution.
One thing that has
changed for me is the focus of
Christmas and its true mean-
ing. While I have amazing
memories of experiences grow-
ing up, I’ve been able to add a
deeper, more powerful reason
for why Christmas is so beauti-
ful. As I became a father, I
grew more aware of what real-
ly matters. I learned that what
I do impacts other lives for
generations to come. I became
committed to making the
world a better place and seeing
my children live great lives. I
began to see Christmas differ-
ently.
Christmas is much more
than our great childhood
experiences. Something in me
knows that Christmas day was
meant to make our lives better,
way beyond gifts under a tree.
In the same way that I have a
desire to make my children’s
lives better, I realized that we
had a father in heaven, who
sent Jesus, his son, to make our
lives better. I realized that no
matter how much people com-
mercialize Christmas, the true
beauty of Christmas is that we
are loved by God. Christmas is
about the greatest gift ever
given. The savior of the world
was given to us as a humble
baby born in a manger.
The beauty of Christmas
includes all the trimmings of
the season but the most amaz-
ing thing is that God loves
you! Something deep inside us
knows that, and that is why
we are compelled to give and
love during this season. My
prayer is that you will enjoy
your family and the great tra-
ditions you have. But the most
important gift you can receive
this Christmas is God’s love.
Merry Christmas!
Jack Redmond works with fami-
lies and teens, and is the author
of six books available on ama-
zon.com and his website:
www.4thgen.org.
M
any pet owners
enjoy taking their
four-legged friends
with them when running
errands. But when the weath-
er is especially cold and harsh,
pet owners may want to leave
their pets behind in the
warmth and comfort of
indoors. There are other tac-
tics to keeping pets safe when
the winter arrives in earnest.
Keep pets away from
antifreeze. Antifreeze emits a
sweet smell, which is often
inviting to dogs and cats. But
antifreeze is lethal in small
doses, so it’s best to keep pets
out of your garage and away
from your driveway, where
antifreeze may leak. Antifreeze
can prove especially harmful to
pets if it contains ethylene gly-
col as the main ingredient.
There are safer alternatives, but
even the safest antifreezes can
be lethal when consumed in
high quantities.
Protect their paws. Rock
salt on sidewalks can effective-
ly melt ice and snow. But rock
salt also can be very irritating
to pets’ paws. Remember to
wipe your pet’s feet when com-
ing indoors after walking on
surfaces treated with salt or
another melting agent. This
will help to remove excess par-
ticles and prevent your
pet from getting ill
when the animal licks
its paws clean.
Keep pets indoors
on cold days. Don’t
allow pets outside
when the temperature
falls below 20 degrees,
as pets are at risk of frostbite
or hypothermia when
exposed to such tempera-
tures. Puppies, kittens and
short-haired pets may be
more susceptible to the cold
and should be kept in when
temperatures dip below 40.
Look out for animals seek-
ing shelter. Outdoor cats and
other animals may choose your
car engine as a cozy place to
spend the night. A warm
engine provides enough heat to
ward off the chill. You may
have a cat under your hood and
not know it. Beep the horn
before starting the car to scare
the animal away. Otherwise the
cat could be severely injured
when the car is started.
Do not leave a pet alone
in a car. It is unwise to leave a
pet unattended in a parked car.
It may seem that the interior is
warmer than outside, but the
temperature in the car can drop
quickly. Never leave a pet
locked in a car, especially in
harsh weather conditions.
Brought to you by Dr. Matthew
Krupnick, the owner of the Pe-
quannock Animal 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 your pets in the community.
The Pequannock Animal Hospi-
tal is located at 591 Newark
Pompton Turnpike in Pompton
Plains. You can reach them at
973-616-0400.
Keep pets safe in cold weather
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 12, Zone 2
Dr. Matthew Krupnick, D.V.M.
• Full Service Animal
Hospital, Specializing
in Cats & Dogs
• Complete Medical,
Dental & Surgical
Services On Premises
• Caring & Competent Staff
591 Newark Pompton Tpke.
(near Friendly's)
Pompton Plains, NJ
973.616.0400
Hours: Mon 8-6pm • Tues 8-4pm
Wed 8-7pm • Thurs 8-6pm
Fri 8-5pm • Sat 8-12pm
FREE Exam
NEW CLIENTS ONLY.
Limit 1 per pet.
Not combinable w/other offers. Expires 12/31/13.
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Exam Fee
ONE TIME ONLY. Limit 1 per pet.
Not combinable w/other offers. Expires 12/31/13.
O
p
e
n
S
a
tu
r
d
a
y
s
PequannockVeterinarian.com
“WHERE YOUR
PET IS FAMILY”
Recapturing the beauty of Christmas
continued from page 1
•The Montville Township Women’s Club
has an ongoing project: “comfort pil-
lows” for breast cancer patients. A team
of club members, seniors, and volunteers
from surrounding cities participates in
this worthy project. Even heart surgery
patients have found use for these com-
fort pillows. Call Chairperson Alexandria
Sarra at 973-405-0088 for more infor-
mation. All monetary donations, used to
purchase polyfill for the pillows, should
be made payable to MTWC and should
indicate “Comfort Pillow” in the memo.
Please mail checks to P.O. Box 267,
Montville, NJ 07045.
•Mothers & More is a not-for-profit
group for both stay-at-home and work-
ing moms. It features monthly meetings,
playgroups, mom-and-tot outings, mom-
night-outs, and much more. Members
are from Wayne and all surrounding
towns. Monthly meetings are on the first
Monday of each month (unless a holi-
day) at 7:30pm at Our Savior Lutheran
Church, 670 Newark Pompton Turnpike,
Pompton Plains. Prospective members
are always welcomed. For more informa-
tion call 877-221-1581 or e-mail sbot-
byl1@yahoo.com.
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 13
Pain Management
Most Insurances Accepted - Including Medicare
• Neck and Back Pain • Arthritis
• Headaches / Migraines
• Extremity Pain • Herniated Discs
• Carpel Tunnel Syndrome • Balance
• Orthopedic Injuries • Bursitis / Tendonitis
• Therapeutic Exercise • Spinal Stenosis
• Manual Therapy • Scoliosis
61 Beaver Brook Road | Suite 103
Lincoln Park | 973-305-0700
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435 Ringwood Ave • Pompton Lakes
Visit Our Website For Hours and Services: www.PomptonDentalArts.com
Delta Dental Provider - 10% Senior Courtesy
Not an actual patient.
Community
Happenings
continued from page 5
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 14, Zone 2
Knee Pain
973-616-4555
18 Newark Pompton Tpke., | Riverdale
www.AdvancedSportMed.com
START FEELING
BETTER TODAY!
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treatment options.
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doing what you love without surgery.”
– Advanced Sports Medicine & Physical Therapy
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 15
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 16, Zone 2
Innovative,
Full Service
Residential Remodeling,
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Call for an appointment to set up a
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A Tradition of Delivering Value For Over 20 Years
Free Estimates • Fully Insured • References Available
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visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 17
Service – Savings – Selection
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VISIT OUR GRO-RITE FLORIST FOR ANY OCCASION,
ON-LINE OR IN-STORE, WE DELIVER!
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Celebrating Our
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W
hether you are
hosting a fantas-
tic holiday gath-
ering or you’re the gracious
guest, ask yourself this ques-
tion: Are you comfortable
with your knowledge of eti-
quette? Are you confident in
your table manners or do you
admit you take your cue by
watching those around you?
“It seems so many peo-
ple only think about eti-
quette during the holidays
and then the pressure is on to
be perfect,” says etiquette
coach Dubravka Vujinovic.
“But proper manners should
be important at every meal,
whether you are sitting down
to a formal gathering or casu-
al dinner with friends.”
Vujinovic is one of the
etiquette experts at North
Carolina-based Replace-
ments, Ltd., the world’s
largest retailer of old and
new china, crystal, silver and
collectibles. This time of
year the company is bom-
barded with inquiries from
those needing a crash course
in proper social graces
and entertaining. Questions
range from how to set the
table, to the best way to serve
the perfect meal.
Vujinovic offers these
suggestions for your next
event.
•Break out the buffet
Buffets settings are
becoming increasingly popu-
lar. In this style of setting the
host places the food, dinner-
ware and utensils on a side-
board or table and guests
serve themselves.
“I love buffets, because
they are so stress-free for me
as a hostess,” says Vujinovic.
“Since the food is already on
the serving table, I don’t
have to keep running back
and forth to the kitchen to
keep bringing out different
courses or dishes; I can relax
and enjoy the evening. On
the other hand, as a guest, I
like buffets because this set-
ting allows me to eat the food
I want; I don’t feel obligated
to have to sample everything
that is being passed around
the table.”
If you’re hosting a seated
buffet, water glasses should
be filled and on the table
before your guests sit down to
their meal. Guests should be
guided to pick up their din-
nerware and place it at their
individual setting.
•Set the perfect table
If you opt to set your
table in advance or if you’re a
buffet guest setting your own
place setting, remember,
forks go to the left, knives
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 18, Zone 2
Gargas Roofing & Construction
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To All Our Customers,
Merry Christmas & All
The Best in 2014!
H
o
lida
y
Gracious etiquette tips to survive holiday gatherings
continued on page 20
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 19
then spoons to the right. The
sharp side of the knife blade
should be turned toward the
dinner plate. And remember,
only include utensils in your
place setting that will be used
for the courses you are serv-
ing; extra pieces may confuse
your guests.
The bread plate goes on
the left of the dinner plate,
glasses on the right.
Don’t panic if you aren’t
sure about the proper place
setting for each meal.
Vujinovic says you can find
“cheat sheets” or place set-
ting guides for various meals
on the company’s website,
replacements.com, under the
site’s “neat things” tab.
•Tips for hosts and guests
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 20, Zone 2
H
olid
ay
Fresh seafood, the finest quality meats, seasonal ingredients and a chef who
ensures every course is prepared to perfection. That’s our recipe for success.
49 MAIN STREET | BLOOMINGDALE
973.492.2211 | 1.888.522.Lina (5462) | www.LinasRistorante.com
Just off Routes 23 & 287 • Open Wed, Thurs & Sun 12pm-11pm • Fri & Sat 12pm-12am
•DAILY LUNCH BUFFET $6.95
& Full Menu with Specials
• Restaurant & Fine Catering
• Catering For All Occasions, On & Off Site
• Gift Certificates Available
• Take-Out • Full Bar
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Since 1983
Gracious etiquette tips to survive holiday gatherings
continued on page 27
continued from page 18
W
hether the goodies
are for gifts, for
parties, or for the
family to enjoy, crisp fall and
chilly winter days are the per-
fect time to have the oven on
and the house smelling great.
“Cookies are easy, quick,
and everyone loves them.
With just a few easy basic
recipes, you can make so many
delicious variations,” says
Chef Jim Gallivan of The Art
Institute of Atlanta.
“The secret to great
cookies is top quality ingredi-
ents,” adds Chef Anthony
Mandriota of The Art Insti-
tute of Tennessee-Nashville, a
branch of The Art Institute of
Atlanta. “Use real butter,
cane sugar, natural vanilla and
other extracts, whole eggs,
fresh flour and spices. Your
taste buds will know the dif-
ference and your friends and
family will think you’re a
genius.”
For a party, try refrigera-
tor cookies. You can make
them in advance, then slice
and bake them during the
party. You’ll probably end up
with guests in the kitchen
having a great time baking
them. “If you make these with
a food processor, it should
only take about 10 minutes to
mix. And there are so many
different ways to flavor these
cookies,” Mandriota says.
For a gift, try cookie bars.
Once baked, you can cut them
into small or large shapes,
arrange them in a clear bag
patterned with holiday de-
signs, and even keep them in
the freezer until ready to
deliver them into the grateful
hands of your friends and
co-workers.
For the family, think
about classic cookies like
chocolate chip or oatmeal
raisin. Use an electric mixer
to whip these up in just a few
minutes. Drop by the spoon-
ful onto a baking sheet - no
special shaping or cutting
needed.
- You’ll find excellent
basic cookie recipes in classic
cookbooks. Stick to recipes
that have been tested by the
experts unless you are an
expert baker yourself. Or try
the refrigerator cookie and
variations from these two
chefs below.
Refrigerator Sugar Cookies
Makes about 72 cookies (2-
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 21
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710 NEWARK POMPTON TURNPIKE , POMPTON PLAINS
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Easy cookies for the holidays - or any day
continued on page 24
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 22, Zone 2
ACCOUNTING SERVICES
Vincent Gallipoli
Certified Public Accountant
PO Box 561, Pompton Plains, NJ
07444
973-616-9748
vpal4@yahoo.com
AIR CONDITIONING / HEATING
SYSTEM SERVICES
Stephen Mangeri
SM Heating & Air Conditioning, Inc.
NJ Lic #13VH02620300
973-628-6472
steve@smheatingandair.com
smheatingandair.com
Reliable Service That You Can Trust
ATTORNEY
Fredric F. Azrak, Esq.
Azrak & Associates, LLC
Attorneys at Law
627 Newark Pompton Tpk
Pompton Plains, NJ 07444
973-839-9062
azraklaw.com
lawyers@azraklaw.com
Excellence & Integrity for over 38 years
AUTOMOTIVE REPAIRS
John Napolitano
Pry Automotive
Butler, NJ 07405
973-838-1656
pryauto@optonline.net
CATERING
Party Connections Creative Catering
Kinnelon, NJ
Julie F. Shiel ~ Chef / Owner
Phone: 973-835-8819
Email: particonnection@aol.com
CHIROPRACTOR
Donna Perillo, MS, DC,
DACBSP, DCBCN, NMD, CNS
NJ Total Health Center
Pompton Plains, NJ 07444
973-872-2133
njtotalhealth@aol.com
njtotalhealthcenter.com
CLEANING SERVICES
Ronald A. Denequolo
Magic Cleaning Concepts, LLC
Pequannock, NJ 07440
973-694-6611
magiccleaningconcepts.com
DENTIST
Brian Marino, DMD
Pequannock Valley Dental Assoc. P.A.
Pompton Plains, NJ 07444
973-831-0444
pvdentalassociates.com
INSURANCE – AUTO, HOME
Jim Murasko, LUTCF
Allstate New Jersey Insurance Company
Exclusive Agent
The Murasko Agency, LLC
Bloomingdale, NJ 07403
973-492-2200
jimmurasko@allstate.com
INSURANCE – LIFE, DISABILITY,
LONG TERM CARE & SMALL
BUSINESS GROUP BENEFITS
Thomas J. Cleeland CLTC,LUTCF
Allstate Financial Services
Westfield, NJ 07090
908-301-0711
tcleeland@allstate.com
allstate.com/tcleeland
IT/COMPUTER SERVICES
Ken Ginefra, President
GCS Consultants LLC
170 Kinnelon Road, Suite 16
Kinnelon, NJ 07405
973-291-8048
ken@gcsconsultants.com
gcsconsultants.com
JEWELRY
Denise Holleritter,
Independent Distributor
Premier Designs
Oak Ridge, NJ
973-697-4227
cdholleritter@optonline.net
MARKETING CONSULTING
Adam S. Wolf
President
CellCon Consulting
West Orange, NJ
973-736-3001
awolf@cellconconsulting.com
cellconconsulting.com
MARY KAY
Mary Hart
Independent Beauty Consultant
Pompton Plains, NJ 07444
973-835-2439
marykay.com/mary.hart
MEDICAL LABORATORY
Everest Medical Laboratory
No Wait Bloodwork
Tom Bellas
142 Route 23 North,
Pompton Plains, NJ
973 646-7490
MORTGAGES
Edward Morba, President
Family Home Funding Corp
Kinnelon, NJ 07405
973-283-8111 • 800-585-1212
emorba@familyhomefunding.com
familyhomefunding.com
PAYROLL
Paychex
Scott Lemly
Small Business Consultant
Fairlawn, NJ
201-796-2111 x58446 – ph
877-282-3175 – fx
slemly@paychex.com
paychex.com
PERSONAL TRAINER
Geri McGurk, BS, NASM, CPT, CITS,
Owner
High Definition
Personal Training Center
Wayne, NJ 07470
973-784-3381
HDPTC.com
PRINTING
Bob Carroll
Printcbf
Cedar Knolls, NJ
973-682-9000 x107 • 973-682-9559 – fx
bobc@printcbf.com
printcbf.com
PROMOTIONAL ITEMS
Carol Nash
Dash of Nash Promotions
Kinnelon, NJ
973-492-2432 • 973-492-2433 – fx
carol@dashofnash.com
PROSTHETICS & ORTHOTICS
Brooke Artesi, CPO, LPO, CMF
Sunshine Prosthetics & Orthotics
Wayne, NJ
973-696-8100
973-696-8101 – fx
brooke@sunshinepando.com
sunshinepando.com
REAL ESTATE – RESIDENTIAL
Linda Lee Sokerka
Coldwell Banker
Residential Real Estate
973-838-9300 • 973-768-2717
Sokerka@aol.com
Your Perfect Home Is Waiting!
I Can Help You Find It!
TRAVEL
Joanne Hunt
Pompton Plains Travel
142 Route 23 North, 2nd Floor
Pompton Plains, NJ 07444
973-831-1114 • ptravel@warwick.net
pomptonplainstravel.com
VOICE AND DATA
D&D Communications
Dan Rosenrauch
Hewitt, NJ
973-506-7435
www.ddcommllc.com
WEBSITES/SEO
Bob Lee
ASA Marketing LLC
973-750-8670
boblee@asamarketing.net
asamarketing.net
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your business, visit www.asamarketing.net/mobile
What’s like a billboard, but not a billboard?
Your Customers’ cell phones - Thousands of them!
Our SMS Text Services and Mobile Websites will bring Big
Benefits to your Business at Low Cost.
Did you know?...
Mobile is Google’s #1 initiative.
There are 5 times more cell phones than PC’s.
95% of smart phone users have searched for local information.
61% of users call a business after searching and
59% visit the location.
We offer
Mobile Websites •SMS Text Messaging Services
Appointment Scheduling •Mobile APPS
Mobile Advertising
Call 973-750-8670
2 Kiel Ave., #273 •Kinnelon, NJ 07405
Call for a FREE QR Code
for your business.
SM Heating &
Air Conditioning, Inc.
SM Heating & Air Conditioning, Inc.
ReIiabIe Service You Can Trust
NJ Lic #13VH02620300

www.smheatingandair.com
Since 1996, SM Heating and Air Conditioning, Inc. has
been providing Northern New Jersey with the best in
heating and cooling service and equipment. "It has been
our pleasure to service this community," said Stephen
Mangeri, president. "We are committed to providing you
the most efficient comfort equipment system, and to
keeping it running reliably and efficiently for years to
come."
Our services include:
· Heating & A/C Ìnstallation and Repair
· Preventative Maintenance
· Central Humidification
· Air Purification Systems
· "Ductless¨ Central A/C Systems
· Zone Climate Control
· Oil-to-Gas Conversion
· Energy-Efficient Units
· Duct Cleaning
· Clean Room & Computer Room Systems
· Service for All Makes & Models
START SAVING NOW! CALL TODAY!
Real Estate - Residential
Buying or selling a home is one of the most important
financial decisions a person makes in their lifetime.
Choosing the right agent is crucial.
From marketing your home, to carefully listening
to your needs as we search for your perfect home,
you will need to rely on and trust in an
experienced real estate agent.
If you want someone with her finger on the pulse of
the North Jersey market, and someone who knows
your neighborhood like the back of her hand, make
sure you invest some time and speak with
Linda Lee Sokerka, a full-time sales associate with
the Coldwell Banker Butler office.
Linda Lee Sokerka
For a seamless transaction from start
to finish call 973-768-2717 or
email sokerka@aol.com
Coldwell Banker
1450 Route 23 North
Butler, NJ 07405
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 23
inch diameter)
Courtesy of The International
Culinary Schools at The Art
Institutes
Vanilla Cookies
Ingredients:
2-1/2 to 3 cups sifted all-pur-
pose or pastry flour
1-1/2 teaspoon baking powder
1/2 teaspoon salt
1 cup softened butter
1 cup granulated sugar
1 egg, slightly beaten
3 tablespoons heavy cream
1 teaspoon vanilla extract
Directions:
Sift flour, baking powder
and salt into mixing bowl.
Cream butter and sugar
together until light and fluffy.
Add egg, cream and vanilla.
Blend thoroughly. Shape into
a log 1 1/2-inch thick and
wrap in waxed paper. Chill in
refrigerator for at least 4
hours. When ready to bake,
preheat oven to 400 F. Slice
dough about 1/4-inch thick
and place on ungreased cook-
ie sheets or parchment paper.
Sprinkle with plain or colored
sugar if desired. Bake for six to
10 minutes, until edges are
just barely browned. Remove
from pan while still warm and
cool on racks. Once formed
into logs and wrapped in
waxed paper, the dough can
be frozen for up to 3 months.
Thaw slightly prior to baking.
Variations
Pecan Cookies: Press a
pecan nutmeat into each
cookie. Or mix 1/2 cup of
chopped nuts into the dough
before chilling. Substitute 1/2
teaspoon of almond extract
for the vanilla if you like. You
can add nuts to any of the
cookie flavors.
Spice Cookies: Add 1/2
teaspoon cinnamon or car-
damom to the sifted ingredi-
ents.
Butterscotch Cookies:
Use 1 1/4 cup light or dark
brown sugar instead of granu-
lated sugar.
Chocolate Cookies: Melt
4 ounces of unsweetened
or semisweet chocolate. (If
using unsweetened chocolate,
increase sugar to 1 1/4 cup.)
Cool and add after the egg.
You may also add 1 tablespoon
of brandy or rum if you like.
Pinwheel Cookies: Take
1/2 recipe each of the vanilla
and chocolate cookie dough.
Chill and roll out each sepa-
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 24, Zone 2
POMPTON LAKES $124,900
$499 per month
30Yr Fixed w/0 points.4.375/4.608% APR
POMPTON LAKES $180,000
$719 per month
30Yr Fixed w/0 points. 4.375/4.542% APR
WANAQUE $337,700
$1,349 per month
30Yr Fixed w/0 points. 4.375/4.472% APR
VERNON $259,900
$1,038 per month
30Yr Fixed w/0 points. 375/4.496% APR
WOODLAND PARK $280,000
$1,118 per month
30Yr Fixed w/0 points.4.375/4.489% APR
Ryan Barry
Mortgage Banker
NMLS# 183464
973-200-3262 Direct • 973-454-5183 Cell • 973-837-9616 Fax
ryan.barry@njlenders.com
Recognized by Mortgage Executive magazine as a "Top 1% Mortgage originator" for 2012
CENTURY 21 CREST REAL ESTATE, INC.
142 Route 23 North, Pompton Plains, NJ 07444
(973) 686-1500 • (800) 950-5021
OWN THESE HOMES FOR...
To Qualified Buyers.
The Housing Market is HOT!!!
Know your buying power BEFORE beginning your home search
Call today for a FREE Mortgage Pre-qualification
POMPTON PLAINS $299,900
$1,198 per month
30Yr Fixed w/0 points. 4.375/4.482% APR
POMPTON PLAINS $625,000
$2,533 per month
30Yr Fixed w/0 points.4.5/4.562% APR
BLOOMINGDALE $369,000
$1,474 per month
30Yr Fixed w/0 points. 4.375/4.466% APR
RIVERDALE $349,900
$1,398 per month
30Yr Fixed w/0 points. 4.375/4.470% APR
BLOOMINGDALE $349,800
$1,397 per month
30Yr Fixed w/0 points.4.375/4.470% APR
Danielle Fiorina
NJAR® Circle of Excellence – Gold Level
Centurion Producer
Qualtiy Service Pinnacle Producer
President’s Producer
Cell: 973-460-4352
Nicole Ruggiero
Realtor
Member GSMLS, NJMLS
Cell: 973-725-6539
Mortgage Payments listed above are based on principal and interest only and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR based
on a 740 credit score as of December 2, 2013. Terms for Condos listed above are subject to meeting Fannie Mae Guidelines. This information is not to be considered a commitment to lend. Programs 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.
BUTLER $324,000
$1,294 per month
30Yr Fixed w/0 points.4.375/4.476% APR
LINCOLN PARK $234,000
$935 per month
30Yr Fixed w/0 points. 4.375/4.507% APR
POMPTON PLAINS $224,321
$896 per month
30Yr Fixed w/0 points4.375/4.512% APR
LINCOLN PARK $335,000
$1338 per month
30Yr Fixed w/0 points.4.375/4.473% APR
POMPTON PLAINS $699,900
$2,837 per month
30Yr Fixed w/0 points. 4.5/4.558%APR
POMPTON LAKES $194,500
$777 per month
30Yr Fixed w/0 points. 4.375/4.531% APR
N
ovember Sales
N
ovember Listings
Easy cookies for the holidays - or any day
continued from page 21
continued on next page
rately into a rectangle about
1/8-inch thick. Stack the
chocolate on top of the vanil-
la and roll into a log. Then
chill, slice and bake as above.
You can do this with vanilla
and butterscotch if you prefer.
Coconut Cookies: Add
1/2 to 1 cup grated coconut to
any of the cookie flavors prior
to chilling.
Holiday Cookies: Once
vanilla cookies have baked
and cooled, they can be deco-
rated with colored icings.
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 25
maria.ferrito@century21.com
NJAR MILLION DOLLAR
SALES CLUB 2001
NJ CIRCLE OF EXCELLENCE
2002-2012
Consistent
TOP PRODUCER
in the WAYNE area.
Townhome Specialist
Relocation Agent
Call MARIA FERRITO
973-986-6914 Cell
for CURRENT MARKET
VALUE OF YOUR HOME
SHORT SALE AGENT
Owe more than your
home is worth?
WAYNE $474,999
CONTRACTOR'S DELIGHT!
GEMINI LLC Realty 973-696-1111x131
197 Berdan Ave., Wayne, NJ
Private secluded lot, with
oversized garage with loft.
MARIA FERRITO
Happy Holidays!
KINNELON $539,000
Smoke Rise-Spacious/Bright/clean 4BR/2.2BA home. freshly
painted int/ext. Dir: Rte.23S/NGate-Speak to Guard. KIN3780
KINNELON/SMOKE RISE 973-838-9300
KINNELON $750,000
SR-Exceptional cust.home/high architectural merit/12Rms/
5BRS/4.1BTHS/open flr. plan/high ceil/3C Gar. KIN3954
KINNELON/SMOKE RISE 973-838-9300
KINNELON $800,000
Smoke Rise-5BR/5BA Contemp features Cath Celing/for-
mal DR/FP/fin. Bsmt/2C Gar/C/A/cul-de-sac loc. KIN3756
KINNELON/SMOKE RISE 973-838-9300
KINNELON $799,000
SR-Stunning 5BR/3BA Renovated Exp. Ranch. Perfect mix of
charm/character & quality on park like property. KIN3848
KINNELON/SMOKE RISE 973-838-9300
KINNELON $835,000
Smoke Rise-5BR/3BA Cust. Co. nestled on 2.15Acs/3C
Gar./SR is a priv. gated Comm. w24Hr. Security. KIN3914
KINNELON/SMOKE RISE 973-838-9300
KINNELON $850,000
SR-Spec. Cust. Exp. Ranch/open Flr. plan/updated Kit
w/Viking stovetop/wine cooler/granite countertops. KIN3896
KINNELON/SMOKE RISE 973-838-9300
KINNELON $850,000
New Const. Customize your dream home on a cul-de-sac.
Schools rank #1 in Morris County & #5 in NJ. KIN3523
KINNELON/SMOKE RISE 973-838-9300
KINNELON $499,000
Smoke Rise-Wonderful 2BR/2.1BA Cape w/numerous ren-
ovations 2010-203/2C Gar./excellent curb appeal. KIN3946
KINNELON/SMOKE RISE 973-838-9300
KINNELON $555,000
All brick spacious 4BR/2.1BA Ranch w/charming front
porch/W/O lower level/2C Gar. KIN3924
KINNELON/SMOKE RISE 973-838-9300
KINNELON $625,000
Smoke Rise - Impeccable custom 4BR/3.1BA home
w/vaulted ceilings/Fam Rm/FP/2C Gar./W/O LL KIN3801
KINNELON/SMOKE RISE 973-838-9300
KINNELON $1,195,000
SR-Stunning 14 Rm/5BR/5.1BA CHC at end of cul de
sac/pool w/waterfall/summer Kit./3C Gar. &more. KIN3826
KINNELON/SMOKE RISE 973-838-9300
KINNELON $450,000
Smoke Rise-Charming 8Rm/3BR 2.2BA Ex. Ranch w/cul-de-
sac privacy. Bright &spacious. Prepare to fall in love. KIN3900
KINNELON/SMOKE RISE 973-838-9300
"THE GOOD GUYS"
973.942.8925 Local & Long Distance
“For Free Estimates Call”
MOVING & STORAGE INC.
www. waynemovers. com
Wayne
“Local Moving Specialists”
Expert Piano Moving • Small Jobs Welcomed
Professional Office Moving
WE DO
CLEAN
OUTS!
Fully Insured
Senior Discounts
Easy cookies for
the holidays - or
any day
continued from previous page
0051 AUTOMO-
BILES WANTED
WE BUY CARS !
WE BUY TRUCKS !
RONNIE’S IN
WAYNE
973-616-7900
WE PAY FOR
JUNK CARS
973-220-0202
0140 CHRISTMAS
HO HO HO HO HO
Christmas Season is
coming soon. Have a
visit from Santa at a
House or Office Party.
30 years experience.
Call Santa Al !
973-246-6193
0230 FIREWOOD
Dry/Seasoned
Hd’wd Split, Deliv.
Stacking avail.
1/4, 1/2, full cords
Call 973-316-9574
SPLIT,SEASONED &
DELIVERED
$180. full cord, $110.
half cord.
Call 973-296-3307
HELP WANTED
0280 - 0329
0294 HELP
WANTED FOOD
SERVICE
Needed:Pizza Maker
Counter Person, P/T
Wayne area. Moms &
Col.students welcome
Driver also needed.
Call Bill 973-619-4069
SERVICES
0610 - 0959
0655 SERVICES
CARPET
G&S Carpet
Cleaning
& Floor Service
Residential
& Commercial
973-839-6436
0684
SER.COMM/RESI.
CLEAN
Aida’s Cleaning
Service
Lincoln Pk, N.J .
Home or Office
Experienced, Reliable
and Detailed. Speaks
English & Portuguese
Reference Available
Call 908-764-8966
0685 SERVICES
CLEANING
Best Cleaning Ser.
FREE ESTIMATES
for office,apt,house
call BARBARA
973-779-1546
Brazilian Woman
Cleans & Organizes
Homes. Refs. avail.
Karla 201-618-4036
Busy Bee Cleaning
Residential,10yrs exp.
owner oper. Ref.
avail. Reliable, att’n
to detail
Call 973-797-9951
HOUSE CLEANING
HOME-OFFICE-APT
Regina-973-249-8907
Mariya’s Cleaning
Service
Ukrainian ladies clean
your home or office to
your complete
satisfaction. Exper.
Refs Avail
Call 973-557-3621
0686 CLEANOUT
SERVICE
All appliances,
unwanted junk, scrap
metal, bldg. materials.
Tear down & take
away sheds. Attics &
Bs’mnt cleaned.
Things your
garbagemen wont
pick up.
WE DO !!! CALL
862-200-1283
0725 SERVICES
DRIVEWAYS
0730 SERVICES
ELECTRICAL
0774 SERVICES
HANDYMAN
0785 SER. HOME
IMPROVEMENT
0826 SERVICES
PLUMBING
0931 SER.-
TV/AUDIO
INSTALLED
“ The TV Guy”
If you need your TV,
Home Theater, Audio/
Stereo Equipment in-
stalled or connected.
“Big or Small...We do
it All”. Call Mike
973-495-3775
SERVICE DIRECTORY & CLASSIFIEDS
•Vinyl Siding
•Replacement Windows
•Residential Roofing
•35+ Years Experience
ROSS
ROOFING & SIDING
973-696-5699
Free Estimates • Fully Insured
ASPHALT
MAINTENANCE INC.
Driveways & Parking Lots
973-299-9226
•Paving   Sealing   Curbs
  Retaining Walls   Pavers
  Drains
  Patches
  Excavation
Free Estimates
0932 SERVICES TREE



















































































































CMR SERVICES
973-703-3039
Cleanouts &
Dumpster Services
Fully Insured • NJ Lic #A901
FREE ESTIMATE
Estates • Abandoned Prop
Storefronts • Basements
Whole House • Attics
Regain Valuable Storage!
We dispose unwanteditems inan
environmentally safe way.
10% OFF
withthis ad







0804 SERVICES LAWN CARE
NEW & OLD
Construction-Residential
& Commercial.
Fully Insured & Bonded
FREE ESTIMATES
20
%
OFF New Customers
CQ ElectricLLC
973-699-0855
NJ Licence #15600
R.G. Gutters
973-832-4207
Gutter CIeaning
Gutter InstaIIation
Gutter Repair · Power Washing
Emergency Service
ALL
WORK
DONE BY
OWNER!
Free Estimates &
20% OFF
Gutter Cleaning For
All New Customers!
ARE YOUR GUTTERS FOWL?
Like What
Like What
You You See? See?
See YOUR Ad
In Life & Leisure’s
Next Issue!
Call
Kathleen (973) 696-8008
0827 SERVICES PAINTING
Kevin
The Painter
“A True Professional”
Decorative, Faux &
Textural Finishes, Glazing,
Sheetrock, Spackle,
Repairs & Power Washing
Interior/Exterior
Fully Insured
References available
20 years Experience
973-979-8043
973-632-6411
Maintenance • Repair
Building • Remodeling
No Job Too Small or Big!
25 Years Experience
Lic. #13VH06689700
TOM D’S HANDYMAN
SERVICE
NORTH JERSEY
REMODELERS
973-962-1811
• Full Kitchens
• Bath Specialists
• Basements
• All Interior
Renovations
• Ceilings to Floors
• Doors • Painting
• Windows
• Counter Tops
• Cabinet Refacing
• General Carpentry
COMPETÌTÌVE
PRÌCES
30 Years Experience
FREE ESTIMATES

LÌC.#13VH01757100
Longo Construction
973-838-8693
All Types of Brick, Block,
Concrete, Fireplaces,
Foundations etc.
Free Estimate - Fully Insured
Bloomingdale
ERICKSON
Masonry, LLC
Pompton Lakes, NJ
973-835-2001
35 Years Experience
Free Estimates · Fully Insured
'No Job Too
Small or Large"
0815 SERVICES MASONRY
Stephen Fox
Plumbing & Heating
Small Repairs,
Alter, Drain Svc.
INSURED BONDED
973-839-1054
Lic.#7467
Q
u
a
lit
y
W
o
r
k
m
a
n
s
h
ip
• Interior & Exterior Painting
• Residential Specialists • Power Washing
• Paper Removal & Installation
• Brush • Roll • Airless Spray
• Fully Insured • FREE Estimates
Owner Operated
“Where Excellence In
Quality Is Affordable”
973-839-7403
0826 SERVICES PAINT/POWER WASH
To Advertise
Call Kathleen
973-696-8008
0774 SERVICES HANDYMAN
TRI-COUNTY
www.mrhandyman.com
with this ad
Cannot be combined w/any other offer. 1 per household. Exp. 12/31/13.
REMODELS, REPAIRS
MAINTENANCE & MUCH MORE!
973-696-9393
Insured & Bonded • Member of the BBB
NJ Lic. #13VH00608600 • NAT-22773-1
Satisfaction Guaranteed!
$22 OFF
YOUR TO-DO-LIST!
0771 SERVICES-GUTTERS
0886 SERVICES
ROOFING
PARKING
AVAILABLE
Available
Parking for rent,
Limousines,
Co. Vans and
Cars.
Call Sal for
More Information
973-519-1725
visit our website at www.lifeandleisurenj.com
December 11, 2013 Page 26, Zone 2
visit our website at www.lifeandleisurenj.com
December 11, 2013 Zone 2, Page 27
same time.
Category V. There is
another class of people who are
practicing the techniques, fun-
damentals and strategies of
wealth accumulation for a suc-
cessful financial future. They
have learned what to do and
practice it every paycheck and
more. They consistently engage
in self-talk, debating wants vs.
needs. They spend less to save
and invest more. They are
focused on winning the money
game and the game of life, of
which we are all participants.
These people are task-driven
and will at the very least give it
their best shot — always! If
there isn’t enough from their
primary paycheck to save and
invest adequately, these people
will secure a second paycheck
from a part-time job or with the
help of a spouse or a partner.
Which of the five cate-
gories best describes you?
Which of the five categories
would you most like to resem-
ble? This should be a rhetorical
question, but shamefully, it is
not.
I used to believe that
most people agreed the job
should be given to the best
person, not given to a lesser
qualified candidate because of
race, color, creed or gender. I
used to believe that most peo-
ple were embarrassed to col-
lect benefits from the govern-
ment, whether it was unem-
ployment, food stamps, dis-
ability, housing, education,
medical or any other form of
assistance. I used to believe
that the majority of people
would wish, hope and pray for
an opportunity, not a hand-
out. I used to believe that
America was the land of great
opportunity, where one could
stake his claim and claim his
stake.
I used to believe that our
great nation had no end in
sight. I used to believe that if I
earned my financial independ-
ence, it was mine and mine
alone. I used to believe that
America was the land of the
free and home of the brave
with outstretched arms for all
those willing to work and fight
for the opportunity to be a suc-
cess, and who had a responsible
party to sponsor them in case of
sub-par results.
I used to believe that
Americans were the biggest
givers and donors to charity,
not recipients of charity. I used
to believe that America was
the land of opportunity, not the
land of entitlement. I used to
believe that America was the
most feared and respected
nation on the planet, for if any
nation were to compromise the
sanctity of another, we would
use the threat of our great mili-
tary might, along with our eco-
nomic prowess, to assuage the
aggressor into submission.
I used to be a very proud
American citizen, but lately my
pride has been tarnished by
both the actions and inactions
of our government. I used to
believe it was an honor to be a
politician, representing and
voting on behalf of your con-
stituents’ ideas and ideals, not
to vote yourself a pay raise and
a superior health plan over the
people you serve.
I used to believe in a
bright, idyllic future for my
children, not marred by pover-
ty, violence and crime — one
where they could strive to be
financially independent; yet
upon closer examination I find
that my generation was the last
generation to have greater
opportunities than their par-
ents. I used to believe that all
great innovations and inven-
tions were first theorized then
produced here in America, but
those days are now merely a
memory.
I used to believe in a fed-
eral government balance sheet
with debits, credits and
accountability, but a $17 tril-
lion deficit has made general
accounting principles impossi-
ble to follow now. I used to
believe in a day’s labor for a
day’s pay and that charitable
organizations were created to
help charity needing recipi-
ents, not the federal or state
governments. I used to believe
that the government would
incentivize businesses to cre-
ate jobs and not become the
largest employer in NJ and in
the USA!
I used to believe that a
dollar and a dream meant start-
ing a business for yourself, not
the illusion of winning the lot-
tery. I used to believe that if I
were sick, I could choose my
own doctor and hospital, paid
for by my own health insurance
plan that I paid for by my
choice. I used to believe that
Air Force One was for the
President’s use, not for the first
Lady, without him, to travel
across the world spending $10
million on vacations and dress-
es, especially when there are
Americans who are starving
and out of work.
I used to believe — and
still do — that we can improve
and repair our country’s ail-
ments before it’s too late. I used
to believe — and still do —
that individuals can become
financially independent and
afford to retire with great prom-
ise. I used to believe — and still
do — that together we can
overcome our partisan differ-
ences for the greater good, first-
ly by gaining some fiscal
responsibility in Washington,
reducing then eliminating the
deficit without increasing
taxes. I believe that my chil-
dren together with yours can
make America great again,
where our flag will regain the
prestige and pride it once had,
making Americans the envy of
the world.
Please be a Category V
individual and family, leading
the cause that retirement is not
an entitlement. It is a goal
requiring sacrifices and work
that each of us must accom-
plish for ourselves!
Mark E. Charnet, CAS,
CSA, is president and founder
of American Prosperity Group.
APG is the premier retirement
and estate-planning franchise
in the U.S. with 17 offices in
eight states. Charnet has 32
years of experience in the re-
tirement and estate-planning
fields and encourages your in-
quiries at: 877-885-1APG
(1274), 973-831-4424 or
markcharnet@1apg.com. For
more information, visit
www.1apg.com. Interested in
a career in retirement and es-
tate planning? Visit
www.apgfranchise.com. Secu-
rities through: BCG Securities,
Inc. Member SIPC, FINRA
and a registered investment ad-
visor. Guarantees based on the
claims paying ability of the in-
surance companies selected.
Is retirement an entitlement?
continued from page 3
Remember, the host/
hostess always sits last. That
person will let you know
when it’s OK to begin
eating. They may offer
a blessing or statement
or perhaps start by
passing a dish.
Always pass food
around the table
counter clockwise to
your right and refrain
from serving yourself
first. Pass the salt and
pepper as a set, even if
you’re only asked for
one. If you’re not sure
which utensil to use
with each course, start
on the outsideand
work in toward the
dinner plate. Don’t
cut more than one or
two bites of food at a
time, and never butter
an entire roll or piece of
bread. Instead, pinch off
pieces small enough for one
or two bites and butter those
first.
If you need to excuse
yourself temporarily, place
your napkin on your chair to
indicate you will be coming
back. Signify you’re finished
with the meal by placing
your napkin to the left of the
dinner plate, and your fork
and knife side by side diago-
nally across your plate with
the sharp side of the knife
blade facing inward and the
fork tines up.
Turn your cellphone on
vibrate or don’t even bring it
to the table. Enjoy the
company of those
around you.
And what if you
commit a major holiday
fumble by accidently
breaking a piece of the
host’s dinnerware?
“You should certain-
ly offer to replace the
broken piece, especially
if it has sentimental
value for the host or
hostess. If you don’t
know the name of
the pattern or the
manufacturer, Replace-
ments offers a free
pattern identification
service that is a valu-
able resource,” says
Vujinovic.
Still hungry for more
tips? You can find additional
etiquette dos and don’ts
on the company’s YouTube
channel.
Gracious etiquette tips to survive holiday gatherings
continued from page 20

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