221657_1416557233Nov 26 2014 Z2 LR.pdf

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

1/28

My father taught me

many great lessons.

There were three

important elements of life that

I learned from my father;

patience, faith and love. My

father held a great deal of love

in his heart for my mom, my sis-

ter, and I. He dearly loved his

parents, sister, and seven broth-

ers. He held a great love in his

heart for America, Lincoln

Park, the scouting movement,

his church, and his work. In

1960 Dad began working as a

long-distance truck driver for

Main Trucking and Rigging, in

Elmwood Park. He worked

there for nearly 30 years, retir-

My tribute to the man who brought

NYC its Christmas tree By Richard Mabey Jr.

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

November 26, 2014

Zone 2, Vol. 12, No. 23

We are a Family, Friendly Publication

continued on page 20

Dad and I would often spendhours studying together at thedining room table of our old

family homestead. I would be

doing my homework as Dadwould be doing paperwork for

scouts or routing a big trip, suchas his annual trip from Maine toNew York City to bring Man-hattan their big Christmas Tree

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

2/28

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

NOTE: To have your groups announce-

ment appear in Community Happenings,

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

DEC 3

Join the Lincoln Park Library for Reading

with Rocky: An Anti-Bullying Story time

and meet Rocky the Rhinoceros on

Wednesday December 3 from 4:30-

5:30pm. This program is for all ages.

Please register for this program by calling

973-694-8283 or e-mailing

[email protected].

DEC 4

The Afternoon Book Club at the Lincoln

Park Library will meet on Thursday,December 4 from 1-2pm. The book selec-

tion is reading Lolita in Tehran by Azar

Nafisi. Contact Rachel Burt with any ques-

tions at 973-694-8283.

DEC 6

The Pequannock Reformed Church of

Waynes annual Christmas Festival is

on Saturday, December 6 at 530

Newark Pompton Turnpike, Wayne.

Doors open at 1pm. There will be

crafts, baked goods and Christmas

item for sale. Join us for a free soup

supper at 5pm, tree lighting ceremonyand Christmas carols. Free coffee, tea

and juice will be available. Supper

guests are asked to donate non-perish-

able food items for the local food

pantries. For more information contact

the church office at 973 692 3424

or email Pequannockreformed@

yahoo.com.

DEC 8

The Lincoln Park Library is offering a

seminar to Take Control of Your

Finances on Monday, December 8 from

7-8pm for age 17 and up. We will guideyou on using smart money management

techniques and teach you to plan for

your future. Whether you are a recent

college graduate, enjoying retirement,

or saving for your childs education, you

will receive valuable information and

develop skills that will enable you to be

more comfortable in your role. Please

register for this program by calling 973-

694-8283 or e-mailing rachel.burt@lin-

colnparklibrary.org.

DEC 10

Decorate a Gingerbread House at the

Lincoln Park Library on Wednesday,

December 10 from 4:30-5:30pm. For

children in first grade and older.

Registration is limited, so please sign up

for this program by calling 973-694-

8283 or e-mailing rachel.burt@lincol-

nparklibrary.org.

DEC 11

Hospice of NJ is seeking gift certifi-

cates or donations of any kind fortheir Silent Auction to be held at their

Fund Raising Gala on Thursday,

December 11. Hospice of New Jersey

serves terminally ill patients, even

those without no insurance or funds to

pay. No one is turned away. For more

information please contact Terry

Russo Hudak, CVM, Volunteer Director

at 973-893-0818 or send donation to

400 Broadacres Dr. Bloomfield, NJ

07003.

Come join Chess Club at the Lincoln

Park Library on Thursday, December

11 from 4:30-5:30pm. For children in

the second grade and up. Light

instruction will be provided, but kids

should have a basic understanding of

the game to attend. Please register

for this program by calling 973-694-

8283 or e-mailing rachel.burt@lin-

colnparklibrary.org.

DEC 14

The Holy Spirit Maureen Piccoli

Foundation for the Performing Arts issponsoring its 6th Annual Christmas

Concert Carols of Splendor. Join us on

Sunday, December 14 at 3pm at Holy

Spirit Church, Pequannock. A dessert

reception will follow the program. A sug-

gested offering of $20 for adult sup-

porters is appreciated, however all

donations are welcome. For further

information please contact the rectory at

973-696-1234.

The Suburban Womans Club of

Pompton Plains presents the 27 Annual

Holiday House Tour on Sunday,

December 14, from 12-4pm. Tickets are

$20 and are available at Fireside

Furniture gift shop, 695 Route 23 South,

Pompton Plains, and Pequannock

Library, 477 Newark Pompton Turnpike,

Pompton Plains. For more information

call Ginny at 973-835-4114.

100% Mailed, Bi-Weekly Newspaper234 Main Street, 2nd Floor

Lincoln Park, NJ 07035 i 973.696.8008

Publisher: Joe Pellegrinoi

Editor: Bethanne Pellegrinoi

Administrative Assistant: Denise Wirsingi

Art Director: Robin BantaSales: Lisa Buniewski, Larry Johnson, George Papendick i Classifieds: Kathleen Todd

Please e-mail all press releases and calendar information to [email protected] 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 onlyadvertisements that appeal to the entire family; the final determination of which is made by Life & Leisure. Views expressed in Life & Leisure arethose of the respective columnists and writers, and do not necessarily reflect those of the publisher, or Life & Leisure. Advertising is open to anyonedesiring to reach the public and is subject to approval, revision and/or rejection at any time by the publisher. Many of the articles are paid for by theauthor and are in effect advertisements. Publication of any advertisement does not constitute, either implied or inferred, an endorsement of services,products or businesses advertised. 2014 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.

continued on page 8

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

3/28

visit our website at www.lifeandleisurenj.comNovember 26, 2014 Zone 2, Page 3

HOW LONG HAVE YOU SUFFERED FROM LOW BACK PAIN? HAVE YOU TRIED THE DRS SYSTEM?After only three weeks of treatment, clinical studies have shown outstanding results in relieving the debilitating

pain that may be caused by bulging, herniated, degenerative, or ruptured discs, as well as sciatica,

posterior facet syndrome, and many failed back surgery cases.

All Ages Welcome Evening Appointments Most Insurance Plans Accepted

Advanced Sports Medicine

& Physical Therapy Center18 Newark Pompton Tpke. Riverdale 973-616-4555 www.AdvancedSportMed.comTH

ELOW

ERBA

CKSPECIALI

ST NOW YOU CAN LIVE PAIN FREE

A State-of-the-Art Facility

Specializing in

Treatment for: SHOULDER & KNEE PAIN

SCIATICA & HERNIATED DISCS

AUTOMOBILE INJURIES

FIBROMYALGIA

NECK PAIN, HEADACHES

PAINFUL JOINTS

HIP PAIN SPORTS INJURIES

Treatment of herniated anddegenerative discs without surgery.

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

4/28


Interesting when you ponder

this phrase for a moment

isnt it? Stated differently,

unless their wealth was inherit-

ed, no one became financially

independent without assuming

some form of risk with their

capital during their lifetime.

Whether investing in the stock

market, real estate or a business,

there was a risk requirement

necessary to achieve greater

than normal returns required to

become a millionaire. But,

what about the consequences

of taking that risk? Can you

afford the risk of losing your

hard earned capital? I ask, Can

you afford not to invest with a

greater degree of risk to receive

the potential for a greater

return?Readers, let me bring you

back to the first rule of financial

planning and wealth building:

The rule of 72! This rule sim-

ply tells you at a given rate of

return how long it will take to

double your money. By dividing

the rate of return into the num-

ber 72, the revealing number is

how many years it will take the

deposit to double. At a 1%

interest rate an investment

made today will double in 72

years. At 6% the doubling peri-

od is reduced to 12 years and

10% equates to 7.2 years. The

reverse is also true. Money bor-

rowed at a 10% rate of interest

will double the debt in 7.2 years

if no payments are made.

Substituting 115 for 72 in our

equation, will tell you how

many years it will take to triple

your money.

Let me ask you to further

ponder on this question:Assuming you will need

$50,000 annually from your

portfolio during your retire-

ment years to supplement

Social Security and a 5% with-

drawal rate, 20 years from

today. Starting with nothing

down, how much will you have

to save each month for the next

20 years to accumulate the $1

million goal necessary to pro-

duce the $50,000 in annual

retirement income if you are

able to receive a 4% annual

rate of return on your money

each year? The answer is

$2,726. Most people cannot

afford to devote that much to a

retirement plan and still pay

their monthly mortgage, so lets

take a bit more risk to achieve a

hypothetical 8% return. The

monthly requirement falls to

$1,697 which, is still a hefty

requirement for most. But, if

you decide to postpone yourretirement for another 5 years

and can achieve the same 8%

annual return, the monthly

requirement falls to only

$1,051. The investor that

would be lucky enough to

achieve a 12% compounded

annual rate of return would

need to invest only $532 per

month to achieve the same

$1,000,000 goal in 25 years.

Our conversation doesnt

take into account, adjusted

for inflation, what will

$1,000,000 be worth in 25 years

and how much more difficult it

would be to accumulate a port-

folio to produce $50,000 in

2014 dollars, so Ill tell you. A

3% annual inflation rate would

devalue our $1,000,000 goal tobe worth only $467,000 in

2014 dollars, so basically speak-

ing, your required investment

would double to create a sum

that is twice as much to give

you the equivalent of a $50,000

annual income today.

Unfortunately, however, infla-

tion will not be finished in 25

years, so the annual $50,000

income will need to be

increased as well in order to

have the same purchasing

power. This poses a very inter-

esting proposition that even

though in retirement your port-

folio must produce income, it

cannot do so at the expense of

growth. The portfolio must

grow and produce income

simultaneously! Do you know

how to do this? Can it be done?

If so, can one guarantee* suc-cess, meaning providing an

income that increases over the

retirement years that will never

cease for husband and wife,

even though the principal

might become exhausted due to

their longevity and success-

ive increasing withdrawals?

Answer is, yes and in my opin-

ion should be examined by

every reader of this column.

Lets go back to the accu-

mulation years for a moment.

Though there are no guaran-

tees to secure an 8 or a 12% rate

of return, might one guarantee*

a somewhat lesser rate of return

yet be positioned for greater

possibilities, simultaneously,

when the stock market has a

stupendous month or year?That answer is also yes and

needs to be explored by those

people who want to enjoy a

guaranteed* retirement income

that will never be reduced or

cease until both husband and

wife are gone. Further enhance-

ments are possible that may

guarantee a death benefit to

children and grandchildren

when the parents are no longer

here.

Regardless of your invest-

ment preferences, it is univer-

sally understood that fixed

principal, interest only generat-

ing savings vehicles, especially

at todays rates, cannot build a

portfolio that in the future will

sustain a couple until death.

Proactive financial behavior is

necessary today to create and

grow your portfolio in order tobe self-sufficient in the future. I

encourage you to learn about

your options and opportunities

risk-free and fee-free by calling

for an appointment. You may

be severely impressed and

amazed at what you will learn

but, more importantly, how to

apply the knowledge to best

benefit your personal situation.

There is no minimum net-

worth requirement to meet

with any American Prosperity

Group representative across the

country! I hope to hear from

you soon.

Mark E. Charnet, CAS, is Presi-

dent and Founder of American

Prosperity Group. APG is the

Premier Retirement and EstatePlanning Franchise in the United

States with 20 offices in 10 states.

Mr. Charnet has over 33 years of

experience in the Retirement and

Estate Planning fields. Creator of

the Trinity Method of Investing,

Mark encourages your inquiries

and can be reached at: 973-831-

4424 or via email, markchar-

[email protected]. Check out our

website: www.1APG.com Inter-

ested in a career in retirement and

estate planning?

Check out this website:

www.APGFranchise.com

Securities through: United

Planners Financial Services, A

limited partnership. Member

SIPC, FINRA and a Registered

Investment Advisor. *Guaran-

tees based on the claims paying

ability of the insurance companies

selected. APG is located at:901 Route 23 South, 2nd floor,

Pompton Plains, NJ in the Lake-

land Bank and Pediatric Care

building.

How many millionaires do you know who became wealthy

by investing in savings accounts? I rest my case.

Robert G. AllenBy Mark Charnet

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

5/28


8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

6/28

A

nthropological evi-

dence suggests that

ancient cultures prac-ticed regular oral hygiene.

Researchers have found recipes

for teeth cleaning and breath

freshening preparations that

date to ancient Egyptian,

Chinese, Greek and Roman

peoples. The ingredients

included charcoal, fruit and

dried flowers, but theres no

credible evidence about effec-

tiveness of these products.

Oral care products first

appeared when toothpaste was

developed in the 1800s.

Mouthwash was mass produced

commercially in the late 1800s.

The early brands contained

alcohol to stabilize the formula,

but today cetylpyridnium chlo-

ride(CPC) is the germ killing

product that doesnt need alco-

hol stabilization and is found in

many healthcare products. Its

germ killing ability is altered forkilling germs that cause dental

plaque and gingivitis.

There are now mouth

rinses for special needs such as

alcohol free, sensitive mouths,

braces and natural formulas.

The scientific evidence

remains limited to improving

breath and preventing plaque

buildup.

No mouthwash is a

replacement for a regular oral

care routine of twice daily

brushing and flossing. Mouth

rinse should always be used

with a daily routine of oral

hygiene to maintain good den-

tal health.

Dr. Peter Brusco is a 1980 grad-

uate of The University of Penn-

sylvania and has been practicing

in Kinnelon since 1982. Dr. Br-

uscos 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 ww.drbrusco.com.

The history of mouth-

wash By Peter Brusco, DMD


Baroque Jewellersintroduces

Whether your a bride to be or want a new look foryour diamond nothing compares to Caro 74.

The most

brilliant diamonds

you'll ever see!

FOR CREATING TREASURED MEMORIES

973 616-088892 Route 23N Riverdale BaroqueJewelers.com

HOLIDAY HOURS: BEGINNING DEC. 2ND OPEN 7 DAYS A WEEK

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

7/28


Dr. Peter Brusco, D.M.D.

Preventing cavities,

gum problems and

saving your teeth for a

lifetime for over 30 years. and Share at Dr. Peter Brusco, D.M.D.

0% Financing for qualifiedpatients through CareCredit

Friendly, Caring Atmosphere with Gentle,

Experienced Dental Professionals.Cosmetic Dentistry Bonding & Veneers TMJ

Root Canals Teeth Whitening Oral Surgery

Mini Dental Implants Implants Dentures,SR-XLATIGID,MAXE

98$CEPS

WEN

GNINAELCDNA

009LAITNEIT

5-838-379csurBreteP.rD

nahtiwdenibmocebottoN

13rebmeceDsripxE

98$2685

.D.M.D,oc

.refforehtoy

4102,1

009 662$.GER

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

8/28

DEC 15

The Lincoln Park Library is hosting a

DIY Night: Peppermint Candles on

Monday, December 15 from 7-8pm for

ages 17 and up. Create your own dec-orative candles by decorating them

with pepp ermints. Supplies will be pro -

vided. Please register for this pro-

gram by calling 973-694-8283 or e-

mailing rachel.burt@lincolnparkli-

brary.org.

DEC 17

Come to the Lincoln Park Library for

Reading with Romeo, a friendly Golden

Doodle, on Wednesday, December 17

from 4:30-5:30pm. This program is for

all ages. Bring your favorite picture book,or choose one of ours. There is no regis-

tration required for this program.

DEC 18

Join Lego Club at the Lincoln Park

Library on Thursday, December 18 from

6-7:30pm.For Children in grades 2 and

up. Come to the library and make a Lego

creation. Pictures of the finished products

will be posted on our web site, and will be

displayed until next month. There is no

registration required for this program.

DEC 19

The Lincoln Park Library will be screen-

ing a medley of Christmas movies, includ-

ing: Rudolph the Red-Nosed Reindeer,

Ashley Farms of Pompton Plains grand prize sweepstake winner for 2014 is Shannon Ciser from GeorgeWashington Middle School in Wayne. Any student who sells 25 or more fundraising items becomes eligi-

ble to win the grand prize sweepstakes, which is a 3 night 4 day stay in Walt Disney World, Orlando,Florida. Two trips are given away per year. Congratulations Shannon!

Pictured from far left: Chorus Director Laura Grant, Shannon Ciser, Band Director Nick Vigiletti andpresident of Ashley Farms James Messina.


Community Happenings

continued from page 2


8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

9/28

Are you constantly

fighting to keep your

car clean, but feel

like you just paid to get it

washed? Do your kids tend to

make your seats their artwork

or personal snack storage?

Royal Car Wash now has a

perfect solution. On Route 23

South, the Royal Car Wash is

offering an elite Unlimited

Monthly Wash Plan, so your

car can stay fresh all the time,

no matter what happens

inside. Spend a few dollars

more than two washes a

month costs and you can stop

by as often as you like and

keep your car clean all year

long.

The Monthly Plan is

much more than an average

wipe-down, it includes their

ultimate Prince Wash with: in

& out vacuum and windows;

triple foam clear coat polish; a

turbo underbody rinse; super

sealer wax; tire dressing; power

washed wheels & your vehicle

gets hand & machine dried to

perfection. All this with just a

quick swipe on your pre-paid

Monthly Pass. The Plan will

automatically be charged to

your credit card using Royal

Car Washs secure system each

month, so youll never miss a

beat or a wash.

In addition to their new

Unlimited Monthly Wash

Plan, Royal Car Wash has a

state of the art quick lube, full

automotive repair service &

self-serve bays. A full size lobby,

sitting area, cappuccino bar,

snacks, beverages, big screen

TV, exotic fish tank, full obser-

vation hallway and even a

retail shop with vehicle clean-

ing products, air fresheners,

novelty items, newspapers, and

much more, all while wait. Not

only will they keep your car

looking like new, they can keep

it running like new as well.

To get signed up, stop by

and speak to the cashier at

1555 Rt. 23 S, or call them at

973-633-1900. You can follow

their updates & redeem special

deals on their Twitter &

Instagram @RoyalCarWashNJ.

Treat your car like royalty with

Royal Car Washs unlimited

monthly wash plan


With Coupon. Cannot be combined withany other offers. Expires 12/31/14.



Full Service Car WashTriple Foam Clear Coat Polish

Super Sealer Wax Tire DressingHand & Machine Dried

ROYAL DUKE

CAR WASH

$

1 OFFANY CAR WASH

$2 OFFROYAL PRINCE

CAR WASH

$3 OFF



1555 ROUTE 23 SOUTH WAYNE973-633-1900

ROYALCARWASHNJ.COMFREE WiFi in Waiting Area HOURS: MON-SAT 8AM-6PM, SUN 8AM-4PM

$

3 OFFOIL CHANGE FREEBRAKE INSPECTION

Full Service Car Wash Triple Foam Clear

Coat Polish New Turbo Underbody Rinse

Super Sealer Wax Tire Dressing

Hand & Machine Dried

AskAboutOur

Brakes, Tune Ups, Etc.

FREE Car Wash w/Oil ChangeVisit Our Full Detail Center

Wheels Power Washed On All Cars

Coupon Books Available

Self Service Bays

COMPLETEAUTOMOTIVE

REPAIR CENTER

Unlimited

Wash

Plan!

Unlimited

Wash

Plan!

973-835-0702435 Ringwood Ave Pompton Lakes

Visit Our Website For Services: www.PomptonDentalArts.com

We Participate with Delta Dental & Aetna PPO only10% Senior Courtesy

Not an actual patient.

KIDSSPECIAL$69 (Reg.$300)14YearsofA

geandUnder

IncludesExam,X-Rays

andCleaning

Redeemwiththisad.Nottobecom

binedwithanyotheroffer.Expires1

2/31/14.

NEWPATIENTSPECIAL$79(Reg.$374)IncludesExam,X-RaysandCleaningRedeemwiththisad.Nottobecombinedwithanyotheroffer.Expires12/31/14.

In Office

Membership Plans

Available

Upon Request.

HOURS: Mon. 7-5, Tues. 12-9, Thurs 7-5, Friday by Appointment

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

10/28

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

11/28


Trusting, Caring& AffordableDental Care

Gentle Private-Practice DentistCEREC - Crowns in One VisitDrill-less DentistryGalileos 3D Digital ImagingEmergencies WelcomeNew Patients WelcomeCare Credit Financing Available

Use your endof the yeardentalbenefits

933 State Highway, Rt. 23 South Pompton Plains 973.839.8180www.McKeeverDentalCare.com

Welcome Dental ExamOnly $95 (new patients only)Includes Complete Set of X-Raysand Oral Cancer ScreeningCash Only or Your Insurance May Cover atUsual and Customary Fees.

McKeeverDentalCarePryPryEst. 1986

50 Boonton Ave. BUTLER973-838-1656

[email protected]

Did you know that havingyour car repaired or

serviced byPry does notvoid your manufacturers

warranty?

Foreign & Domestic NJ State Inspection Brakes Mufflers Exhaust

SimplytheBest!

Most cars. Not to be combined with any other offers.With coupon. Expires 12/31/2014.

LIKE-US ON FACEBOOKAND RECEIVE

$500OFFAN OIL CHANGE

GIVE

PRYA

TRY!

AutomotiveAutomotive

166 Main Street, Suite 1A Lincoln Park

973-694-6260 www.lincolnparkmd.com

WE accept all major insurances including:

Aetna, Horizon Blue Cross/Blue Shield,

Cigna, Oxford, Medicare/Medicaid

WE Accept New Patients

WE Provide School & Sport Physicals

WE HAVE SAME-DAY APPOINTMENTSAVAILABLE, EVENING HOURS BY REQUEST

Let us be your WELLNESS professionals

WE Specialize in InternalMedicine & Pulmonary Disease

Anju Budhwani, MDInternal Medicine Associates of Lincoln Park

Emphysema Bronchitis

Pneumonia Sarcoidosis

Asthma COPD

Arthritis Diabetes

Hypertension SleepApnea

PrimaryCare

USE YOUR END OF THE YEAR BENEFITS

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

12/28

With the holidays

here, we are all in

the mood for some

festivities. We plan parties and

cook for celebrations, but what

do our pups do? They are still

the same clever, curious rascal

they ever were. Something

that the holiday season does

bring some puppy hazards.

Everyone wants to enjoy the

holidays without a single hic-

cup, so make sure that you

make your home holiday safe

for dogs.

Seasonal decorations.

The holidays bring about a

variety of color and light that

make the atmosphere look

quite magnificent. But beware

of nosy pups with mischief on

the mind. Power cords can be

very dangerous for a pup that

likes to chew. Make sure they

are hidden out of reach so no

one gets hurt. Besides lighting,

we often decorate our homes

with pretty plants such as

mistletoe, poinsettia and holly.

Unfortunately, all these plants

are actually very toxic espe-

cially for dogs. Consider going

with a synthetic likeness that

looks just as pretty. (And you

can use it again next year

save some money!) Besides the

house decorations, presents

often get decorated, too.

Wrapping paper is fun for bothman and dog, but we dont usu-

ally eat it. A pup may find it

quite tasty, but will likely just

end up with a belly-ache.

Hot dog. Candles make

the house look and smell nice,

but there is a bit of a hazard to

this. A happy tail or a nosy

snout can knock a candle over

and burn your pup or catch

something on fire. If you have

candles, keep them up high

and never leave the home

without making sure theyre

out. Another concern is the

fireplace. Those flickering

flames can intrigue a curious

pup, so make sure you use a

fireplace protector or screen to

keep any noses from beingsinged.

Time for eats. The festivi-

ties and food are going to be

almost every dogs weakness.

Honestly, who can resist a tasty

piece of whats cooking? Items

on the table top left unattend-

ed can make a likely target for

an eager pup, so keep things

out of reach and no paws on

the table. Unfortunately, dogs

arent always the culprit.

Sometimes theyre just the vic-

tim of some sneaky hands that

tossed them a spoonful off their

plate. Make sure that everyone

knows not to feed the pup, and

if you dont want to take anychances, put your pup some-

where where they wont be

tempted. Dont forget to give

them their own snacks and toys

to enjoy.

The table top isnt the

only place a sneaky snout

might wander. After all is

Brought to you by

Dr. Matthew Krupnick,

the owner of Pequannock

Animal Hospital

Keeping your dog safe during the holidays


Dr. Matthew Krupnick, D.V.M.

591 Newark Pompton Tpke. (near Friendly's)Pompton Plains, NJ

973.616.0400 Full Service Animal Hospital,

Specializing in Cats & Dogs

Complete Medical, Dental & Surgical

Services On Premises

Caring & Competent Staff

WHERE YOURPET IS FAMILY

FREE ExamNEW CLIENTS ONLY.

Limit 1 per pet.Not combinable w/other offers. Expires 12/31/14.

15% OFFExam Fee

ONE TIME ONLY. Limit 1 per pet.Not combinable w/other offers. Expires 12/31/14.

PequannockVeterinarian.com

OpenSaturdays

Hours: Mon 8-6pm Tues 8-4pmWed 8-7pm Thurs 8-6pm Fri 8-5pm Sat 8-12pm

continued on next page

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

13/28

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

14/28


8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

15/28


8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

16/28


8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

17/28


LOCATION

246 Hamburg Turnpike,

Suite 202Wayne, NJ 07470

is certif ied by the American Board ofCardiovascular Disease and InterventionalCardiology. He is a member of the AmericanCollege of Phlebology and the AmericanSociety of Laser Medicine and Surgery.

Dr. Ghassemi specializes in advancedvascular procedures, which include VascularLaser Therapy for the treatment of varicoseveins, laser ablation and sclerotherapy. Healso specializes in advanced cardiovascularprocedures, including angioplasty, laseratherectomy and stenting.

Dr. Ghassemi received his M.D. from theUniversity of Medicine and Dentistry

(UMDNJ)/Robert Wood Johnson MedicalSchool in Camden. His internship andresidency were completed at the MedicalCollege of Pennsylvania Hospital inPhiladelphia in Internal Medicine in 1991.He completed his fellowship at HahnemannUniversity Hospital in 1994 and in 1995completed an Interventional Fellowship atthe Albert Einstein Medical Center,Philadelphia.

How do I choose where to go for VeinTreatment?

The vein treatment I received was great. I am very happy with theprocedures done on my legs. I wish I had done this earlier.

Zofia Pawlowski

The Very Best in Non-Surgical ProceduresAt ACP Vein Treatment Center in Wayne, we treat venousdiseases in men and women with painless, minimally invasive vasculartherapies. The most common of these include treatments forvaricose veins and spider veins. These conditions are progressivediseases that can develop into serious medical issues, includingdiscoloration and ulceration. Our new ACP Vein Center in Wayne isdedicated entirely to the diagnosis and treatment of vein disorders.

To learn more visit

acpveincenter.com

HOURS

8:30am-5:30pm

CONTACT

855-900-VEIN (8346)

In todays competitive

medical environment, it

seems there are many

physicians offering vein

care as a part of their

overall practices. The list

includes virtually all specialties, and most

advertise themselves as Vein Special-

ists, even though they may not have re-

ceived any specialized training in vein

procedures.

Choosing where to go for vein treat-

ment may be just as important as the

initial decision to seek treatment. Here

are a few basic ideas that might help

you decide.

THE TREATING PHYSICIAN

Did you know that taking a moment to

check the credentials of your physician is

a valuable first step? While many doctors

may claim to be experts, only a qualified

vein specialist has the broad knowledgeof your venous system to accurately diag-

nose the causes of your venous condi-

tion. A qualified vein specialist has the ex-

perience, expertise and the necessary

equipment to treat your varicose veins

with exactly the right procedures tailored

to your specific problem. Many part time

phlebologists (a medical specialist trained

in the diagnosis and treatment of disor-

ders of venous origin), offer only 1-2

modalities of therapy.

THE VEIN CENTER

Are the facilities attractive and clean?

Do the Center personnel present a pro-

fessional demeanor? Vein specialists

generally do all their diagnostic work

and perform their procedures right in

their vein center locations; so the ap-

pearance of the office can tell you a lot

about the practice. Ask if there are Reg-

istered Vascular Technologist (RVT) ul-

trasound technicians on site. RVT techs

are the most credentialed professionals

to perform ultrasound-guided diagnos-tics as part of the evaluation process.

Q.A.

TO USE

i|x

AREAS OFEXPERTISE

Diagnosis and Treatmentof Vein Disorders

Endovenous Laser Therapy

Ambulatory Phlebectomy

Sclerotherapy

Compression Therapyfor Venous Edema

Now is the time to getready for Fall Fun.

Take a trip to enjoy theFall foliage; visit an apple

orchard; hike theAppalachian mountains; enjoy

pumpkin picking with yourchildren and grandchildren.

All these great Fall

activities require freshand healthy legs.

MED

ICALDOCTOR

Rex Ghassemi, M.D., F.A.C.C.,

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

18/28

limited to: Microsoft Windows, Microsoft

Office, Word, Excel, PowerPoint, web-

site help with Google, Gmail, eBay,

Etsy, and social media Facebook,

Twitter, Instagra m, and LinkedIn . Wecan also help you use your tablets

iPad, Kindle, Samsung Galaxy, etc.

Please call 973-694-8283 or email

[email protected] to

set up an appointment. Sessions are

limited to one meeting per month.

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 help-

ing veterans find peace with them-selves and the world around them. If

you are doing fine after the war, thats

fantastic but dont 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.

The UONJ (United Ostomates of

North Jersey) is an area-wide support

group for ostomates (people of any

age with potential, new, mature or

reversed ostomies or continent diver-sions). We meet the second Monday of

the month at Chilton Medical Center,

97 West Parkway, Pompton Plains in

the Board Room at 7pm. Contact Jo

Ann Valent CWOCN for more informa-

tion 973-831-5168.

The Montville Township Womens

Club has an ongoing project: comfort

pillows for breast cancer patients. A

team of club members, seniors, and

volunteers from surrounding cities

participates in this worthy project. CallChairperson Alexandria Sarra at 973-

405-0088 for more information. 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.

Circa 2008. My wife

and I operated a pro-

gram called Adopt a

Child, whose objective was

to provide children from abu-

sive homes with gifts for

Christmas. The program was

designed to match a child in

need with someone willing toprovide a gift(s), as best as

they could, per the childs

Christmas wish. From 1996 to

2008 the program provided

20,000 children with roughly

50,000 gifts. In 2000, we

received the Volunteer of the

Year award in New Jersey.

But something just didnt

feel right. The question we

had to ask ourselves was Is

this program really making a

difference? The honest

answer was yes, but not as we

had originally intended. It was

a good program, but not a

great one.

We decided to stop in2008 and while I knew it

would hurt some folks, I also

understood it had to be done.

Shortly thereafter I sensed a

call to serve men, helping

them to be what they were

created to be. Legacy Minded

Men was born and the impact

it has had on many men and

their families can be described

as transformational.

Think about it

Sometimes you have to

trade something that is good

to do something that is great!

Perhaps there is a trade

you should consider? What

do you think?

Joe Pellegrino is an author,

speaker and consultant for Not

Just An Average Joe, LLC.

Have thoughts of your own?

Send them to joe@notjus-

tanaveragejoe.com. 2014 Not

Just An Average Joe, LLC.

Good vs greatPicture this...


Community Happenings


8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

19/28

Whether leaving

cookies out for

Santa or simply

spreading some holiday cheer

among family and friends, the

following recipe for Soft

Glazed Gingerbread from

Elizabeth M. Prueitt and Chad

Robertsons Tartine is sure to

please this holiday season.

Soft Glazed Gingerbread

Dough3 cups all-purpose flour

1 tab cocoa powder

4 tea ground ginger

1 tea ground cloves

2 tea ground cinnamon

tea baking soda

1 tea salt

1 tea black pepper, freshly

ground

1 cup unsalted butter, at room

temperature

cup plus 2 tablespoons gran-

ulated sugar

1 large egg

cup blackstrap or other dark

molasses

2 tab light corn syrup

Glaze

1 cup confectioners sugar

2 tab water

To make the dough, stirtogether the flour, cocoa pow-

der, ginger, cloves, cinnamon,

baking soda, salt, and pepper in

a mixing bowl. Set aside. Using

a stand mixer fitted with the

paddle attachment, beat the

butter on medium-high speed

until creamy. Slowly add the

granulated sugar and mix on

medium speed until the mix-

ture is completely smooth and

soft. Stop the mixer and scrape

down the sides of the bowl with

a rubber spatula as needed. Add

the egg and mix well.

Add the molasses and

corn syrup and beat until incor-

porated. Stop the mixer again

and scrape down the sides of

the bowl. Add the flour mix-

ture and beat on low speed

until a dough forms that pulls

away from the sides of the bowl

and all the ingredientsare well incorporated. Remove

the dough from the bowl, flat-

ten it on a large piece of plastic

wrap into a rectangle about 1

inch thick, cover the dough

with plastic wrap, and refriger-

ate over-night.

Preheat the oven to 350 F.

Line a baking sheet with parch-

ment paper or a non-

stick liner.

Unwrap the dough

and place on a floured

work surface. If using a

plaque with a design, roll

out the dough 1/3-inch

thick, lightly dust the top

with flour, press your

cookie molds over the

dough, and then cut the

shapes with a small knifeand place on the prepared bak-

ing sheet, spacing them about 1

inch apart. Alternatively, using

the mold as a guide, cut around

it with a small knife, flip the

mold over so the design is fac-

ing you, and place the dough

over it, pressing it into the

Complete the holiday season with gingerbread


Dinner Specials STARTING AT $10.95Includes Garlic Bread, Soup or Salad, Pudding or Jello

Mirandas Cafe& Restaurant

1520 Rt 23 North Waynewww.MirandasRestaurant.com

973-628-9801 973-633-8163 faxHOLIDAY CATERING AVAILABLE

ServingBreakfast,

Lunch&DinnerBringYour

OwnCheer!

PartyRoomAvailableRegularMenuItems

BreakfastLunchDinnerExp.12/31/14.Not

validwithanyotheroffer

oronholidays.CASHONLY.

10%Off

RegularMenuItems




10%Off

RegularMenuItems




10%Off

ReserveNowforThanksgiving


8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

20/28

ing in June of 1989. One of thedearest and fondest memories I

have of how Dad loved his job,

centered upon how serious he

took his responsibility of bring-

ing the people of New York

City their Christmas Tree for

many, many years. Truly the

elements of patience, faith, andlove shined forth from the core

of Dads heart in carrying out

this big job.

Usually around the mid-

dle of October, Dads boss

would let Dad know where he

would have to pick up the

Christmas Tree to be deliveredin Manhattan. I remember

those evenings, after supper,

Dad would sit at the dining

room table and quietly study

maps of roads, highways, and

byways from Maine to New

York City. I distinctly remem-

ber that nine out of ten times,

New Yorks Christmas Tree

came from Maine. When I was

in grammar school, high

school, and even my first twoyears of college, I always

enjoyed the time period of

studying and doing my home-

work at the dining room table

while Dad routed his trip.

I would be studying U.S.

history, doing math problems,

or studying chemistry and Dad

November 26, 2014Page 20, Zone 2

Innovative, Full Service

Residential Remodeling,

Crafting Fabulous Kitchens, Additions,

Bathrooms & Master Suites

Financing AvailableAs-Low-As $79.00 A Month

Call For An Appointment To Set-Up A FREEDesign Consultation.

1016 Route 23 North Wayne, NJ(Just 200 feet after the Alps Road exit)

973-696-0333www.advantagecontracting.com

License# 13VH00011000

Free Estimates Fully InsuredReferences Available

Transforming Lives By Transforming Living Spaces... Its What We Do

A Tradition of Delivering Value For Over 20 Years

R O O F I N G , I N C .

KOVACHFree

Estimates

FullyInsured

$500 OFFANY ROOFING JOBOf $3,000 Or More

FREECOBRA RIDGE VENTWith Any New Roof

$30 OFFANY ROOFING REPAIR

Of $250 Or More

Member Of TheNorth East RoofingContractors Association

Member Of TheBetter Business

Bureau

Quality You Can Trust Since 1886...From Americas L argest Roofing Manufacturer

973-835-5330FREEUpgrade To LifetimeShinglesCall for more details!

Senior

Citizen

Discounts

WE DO SMALL REPAIR JOBSNJ Lic# 13VH00222500

We

Clean

Roofs

Roof Removal Slate Tile Shingles Skylight Repairs Flat Roofs

Rubber Roofs Leaders & Gutters Chimney Repairs Chimney Liners Solar Panels

With coupon. May not be combined with anyother offers. Expires 12/31/14.



www.Kovachroofing.com Email: [email protected]

Nobody Covers You Better

Established 1948A Professional Roofing Company

Call Now for a FREEIn-Home Consultation

When you mention this ad.

Lic #13VH02033600Home Improvement

Contractor

Dont be left in the dark!For over 50 years, Generac has

focused primarily on powergeneration, and we now offer moregenerator solutions than any other

manufacturer. This heritage hashelped make us the number one

choice in residential

AUTOMATIC STANDBYPOWER, chosen seven to one

over the closest competition.When a customer chooses

Generac, theyre not just choosingprotection for their home, they are

also choosing peace of mind.

AUTOMATIC BACKUP

POWER means youre alwayscovered even if youre not home.

Options come in liquid propaneor natural gas the direct hookupmeans never dealing with cords

or gas cans again.

Guardian SERIES 8-20 kW - Automatic standby ge nerators

201.321.4459www.BasementsBeyond.com [email protected]

Serving Northern NJ In Business Since 2003

OwnerOperatedAskforTom

visit our website at www.lifeandleisurenj.com

My tribute to the man who brought NYC its Christmas tree

continued on next page


i i b i lif dl i jN b 26 2014 Z 2 P 21

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

21/28

would say to me, almost had

it. This bridge on this road is

going to be too low. Or he

would say, well never be able

to get permits to bring a wide

load through this little town.

Then Dad would start all over

again, working on figuring a

way to bring New York City its

Christmas Tree. Dads example

taught me the principle of the

good value of patience.

Sometimes I would getstuck on a math problem, or on

a chemistry problem, or just be

having a tough time in writing

a composition. Dad would look

up from his maps and say some-

thing like, Richie, it looks like

youre stuck on a problem. I

would tell Dad that, yes I was

having a tough time with a

math problem. Dad would say,

dont worry about it, youll get

it. It just takes patience.

Dads annual responsibili-ty to bring New York City its

Christmas Tree was a golden

opportunity for him to teach

me the power of positive faith.

So many times I remember Dad

would call home while he was

in Maine or New Hampshire

staying over while the work-

men prepared the incredibly

tall pine tree for its destiny

to be Americas showcase

Christmas Tree. Dad would ask

Mom to put me on the phone.Even when I was in grammar

school and then into high

school, he would tell me that

he was counting on me to be

the man of the house while he

was away.

Sometimes Dad would get

snowed in, or held up by a

problem, or simply have to

reroute the trip because of a

surprise little bridge in some

small town that wasnt clearly

defined on any of the maps.

Richie, it looks like Im

going to be held up here. Its

snowing pretty heavy. You

know how to change the fuses

down the cellar if any of them

burn out. Im counting on you

son. I have faith in you

Richie, Dad would say to me

over the phone. I remember

that 90 percent of the time,Dad would finish his long dis-

tance phone call by telling me

that he had faith in me. I know

that Dad held a strong faith in

the good Lord. Often when he

got caught in snow in bringing

the tall pine tree to

Manhattan, he would say to me


86 Main Street [email protected]

WE DO THE COMPLETE JOBPlumbing, Electric, Carpentry & Ceramic Tile

FREE ESTIMATES

& DESIGN SERVICES

Over 50 Years Serving Passaic, Morris & Bergen County

Superior Workmanship At Competitive Rates

My tribute to the man who brought NYC its Christmas treecontinued from previous page


This is a photo of Dad on the open road,

crossing a bridge, in his purposefulmission of delivering the bigChristmas Tree to Manhattan.

November 26 2014Page 22 Zone 2 visit o r ebsite at lifeandleisurenj com

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

22/28

over the phone, Richie, Ive

got faith the good Lord is going

to help get this tree to New

York City in time. Dad never

once was late in delivering

New York City its big

Christmas Tree.

And of course, Dad lovedhis job. He truly loved working

with people, talking with peo-

ple, and having a purpose to

bring New York City its

Christmas Tree. And, I know

Dad truly loved the Lord.

Today, in memory, I look

back with fondness of heart of

those innocent days when Dad

and I would spend so muchtime together studying at the

old dining room table. On May

twelfth of 2006, my father went

home to be with the Lord.

Since then, not a day has gone

by that I havent thought of

him. Id give up everything I

ever worked hard for, every-

thing, to spend just five min-

utes with my Dad at that olddining room table.

Sometimes, I feel my

heart is going to break when I

hear a parent complain about

their child. Or, when I hear a

child complain about a parent.

Life upon this earth is short. It

really is. Forgive people when

they hurt you. Throw your

grudges out to sea and let the

tide sweep them away. Love

one another. Tell the peopleyou love that you love them.

For truly, none of us have any

guarantees for tomorrow.

design. Unmold the shapes

onto the prepared baking

sheet, leaving about 1 inch

between them.

Bake the cookies until

lightly golden along the sides

but still soft to the touch in

the centers, 7 to 15 minutes.

The timing will depend on

the size of the individual

cookies, or if you have made asingle large patterned piece

that will be cut after baking.

While the cookies are

baking, prepare the glaze. In a

small bowl, whisk together the

confectioners sugar and water

until smooth.

When the cookies are

ready, remove from the oven

and let cool on the pan on a

wire rack for about 10 min-

utes. Then, while the cookies

are still warm, using evenstrokes, brush a light coat of

glaze on top of each cookie,

evenly covering it. Let the

cookies cool completely.

When the glaze dries, it

should leave a shiny, opaque

finish. The cookies will keep

in an airtight container in a

cool place for about 2 weeks.

They do not freeze well, how-

ever, as glaze becomes watery

when they are thawed. Yields:

12-20 cookies.

November 26, 2014Page 22, Zone 2 visit our website at www.lifeandleisurenj.com

THE GOOD GUYS

973.942.8925 Local & Long Distance

ForFreeEstimatesCall

MOVING & STORAGE INC.www.waynemovers .com

WayneLocal Moving Specialists

Expert Piano Moving Small Jobs WelcomedProfessional Office Moving

WEDO

CLEAN

OUTS!

Fully InsuredSenior Discounts

ForFreeEstimatesCall

Local Moving SpecialistsExpert Piano Moving Small Jobs Welcomed

Professional Office Moving

[email protected]

NJ CIRCLE OF EXCELLENCE2002-2013Consistent

TOP PRODUCER

in the WAYNE area.

TOWNHOME SPECIALIST

RELOCATION AGENT

~ SHORT SALE AGENT ~

OWE MORE THANYOUR HOME IS WORTH?

GEMINI LLC Realty 973-696-1111x131

197 Berdan Ave., Wayne, NJ

CALL MARIAat973-986-6914 Cell

for CURRENT MARKET VALUEOF YOUR HOME

HALEDON $205,0002BR 2FBA Ranch, LR withfireplace, finished walk-out

basement and garage.

M A R I A F E R R I T OProfessional Full Service Realtor

Complete the holiday season with gingerbread


Patricia Wojtyszyn, bro-

ker/owner of CENTU-

RY 21 Crest Real

Estate today announced

Annmarie DeGeorge as its

top producing sales associate

for October, 2014.

The home buyers and

sellers of Northern New Jersey

truly have a real estate resource

they can trust in Annmarie

DeGeorge, said Patricia

Wojtyszyn, broker/owner of

CENTURY 21 Crest Real

Estate. Annmarie reallyunderstands that for many peo-

ple, buying or selling a home is

the most significant purchase

of a lifetime, and she leverages

her real estate knowledge and

professionalism to help make

each transaction as smooth as

possible.

DeGeorge has several

years of experience in the

industry and has been with the

CENTURY 21 System for

five years. It is my practice to

work extra hard for each and

every one of my clients. To be

honored by my brokerage is the

icing on the cake, saidDeGeorge. Annmarie has

been a full time agent since

1999. She lives and works in

Pequannock. To put her

expertise to work for you, she

can be reached directly at 973-

896-6178.

Century 21 Crest Real Estate names

Annmarie DeGeorge Top ProducingSales Associate for October

Danielle Fiorina, sales

associate with

Century 21 Crest

Real Estate, was named the

offices top Listing sales asso-

ciate in the month of

October.

Century 21 Crest Real

Estate is pleased to recognize

Danielle with this honor. She

is a leader and innovator,

empowering local homebuyers

and sellers with valuable

information, helping them to

make informed real estate

decisions, said Patricia

Wojtyszyn, Broker/Owner of

Century 21 Crest Real Estate.

Fiorina has several years of

experience in the real estate

industry and has been with

the Century 21 System forfive years.

Danielles competitive

intelligence, professionalism

and dedication has made her a

valued and trusted real estate

resource for the Northern

New Jersey community and a

major contributor to the over-

all success of our office and

the Century 21 System as a

whole, said Wojtyszyn.

Understanding my

clients personal goals and

needs is at the heart of my real

estate business, and I believe

it is the foundation for an

effective client/realtor rela-

tionship, said Fiorina.

Danielle Fiorina has built her

reputation on professionalism

and honesty. My clients

come first. As a former busi-ness owner and controller, she

is very thorough and detail

oriented. She is a full-time

realtor and has been a top

producer in the industry for 8

years. To put Danielles expe-

rience to work for you and for

all of your real estate needs,

Danielle can be reached at

973-460-4352.

Century 21 Crest Real Estate recognizes

Danielle Fiorina for October

My tribute to the man who brought NYC its Christmas treecontinued from page 21

visit our website at www lifeandleisurenj comNovember 26 2014 Zone 2 Page 23

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

23/28


November 26, 2014Page 24, Zone 2 visit our website at www.lifeandleisurenj.com

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

24/28

,g , visit our website at www.lifeandleisurenj.com


8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

25/28

j g

License #: NJ09980558654 2014 CENTURY 21 REAL ESTATE LLC. CENTURY 21 is a trademark licensed to Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each office is independently owned and operated.All information deemed reliable but not guaranteed. Prices subject to change. If your property is currently listed with a real estate broker please disregard this offer.

Call today for a complimentary Mortgage Pre-approvaland know your buying power

before beginning the home buying process.

Recognized by Mortgage Executive Magazine as a "Top 1% Mortgage Originator" for 2013

973-200-3262 Direct 973-454-5183 Cell 973-200-3231 Fax [email protected] Payments listed above are based on principal & interest only on a 30yr fixed mortgage and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR based on a 740 credit score as of November 18, 2014. 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 withou t notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ, NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35 286 Equal Housing Len der.

Ryan BarryMortgage Banker

NMLS# 183464

BLOOMINGDALE $239,000Take a Look!

4 BR, 2 BA, 1 CAR GAR$899 PER MONTH

3.875/4.010% APR

BLOOMINGDALE $387,000New Construction!

3 BR, 2.1 BA, 2 CAR GAR$1,456 PER MONTH

3.875/3.964% APR

BUTLER $389,000Great Colonial!

3 BR, 2 BA, 1 CAR GAR$1,463 PER MONTH

3.875/3.964% APR

HARDYSTON $188,000Just Reduced!

2 BR, 1.1 BA, 1 CAR GAR$707 PER MONTH

3.875/4.043% APR

LINCOLN PARK $284,900Magnificent Top Floor Unit!


3.875/3.991% APR

LINCOLN PARK $349,900Colonial with Golf Course View!

4 BR, 2 BA$1,316 PER MONTH

3.875/3.972% APR

PEQUANNOCK $399,900Wont Last!


3.875/3.962% APR

PEQUANNOCK $319,900Just Adorable Cape Cod


3.875/3.980% APR

POMPTON LAKES $225,000 Duplex2 BR, 1 BA

$846 PER MONTH3.875/4.018% APR

OAKLAND $329,900Adorable Ranch!


3.875/3.977% APR

PARSIPPANY $419,900Fab Multi-Family!

5 BR, 2.1 BA$1,062 PER MONTH

3.875/3.959% APR

PEQUANNOCK $385,000Price Reduced!


3.875/3.965% APR

OAKLAND $329,900Adorable Ranch


3.875/3.977% APR

CALL

TODAY973-686-1500

142 Route 23 NorthPompton Plains, NJ 07444

AWARD-WINNING CENTURION OFFICESMARTER. BOLDER. FASTER.

C R E S T R E A L E STATE

POMPTON PLAINS $739,900Beautiful New Construction!


4.00/4.055% APR

WALLINGTON $269,900Newly Listed Townhome!2 BR, 2.1 BA, 2 CAR GAR$1,015 PER MONTH

3.875/3.996% APR

WANAQUE $159,0002 Horses Permitted!

2 BR, 1 BA$598 PER MONTH

3.875/4.071% APR

WAYNE $219,777Larger Than It Appears!!

2 BR, 1.1 BA, 1 CAR GAR$827 PER MONTH

3.875/4.021% APR

WAYNE $349,900Mint Condition


3.875/3.972% APR

WAYNE $419,777Custom Colonial


3.875/3.959% APR

WAYNE $479,000Luxurious Condominium!3 BR, 2.1 BA, 2 CAR GAR$1,802 PER MONTH

3.875/3.950 % APR

WEST MILFORD $184,900Lake Community Bi-Level!

2 BR, 1 BA, 1 CAR GAR$696 PER MONTH

3.875/4.045% APR

Annmarie DeGeorge973 896 6178 cell

NJAR Circle of Excellence

Silver LevelCenturion ProducerQuality Service Producer

Danielle Fiorina973 460 4352 cell

NJAR Circle of ExcellenceGold Level

Centurion ProducerQuality Service PinnacleProducer

President's Producer

Sales Agent for the Month of October Listings Agent for the Month of October


8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

26/28


8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

27/28

8/10/2019 221657_1416557233Nov 26 2014 Z2 LR.pdf

28/28

221657_1416557233Nov 26 2014 Z2 LR.pdf

Documents

Transcript of 221657_1416557233Nov 26 2014 Z2 LR.pdf