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Wreaths. Trees.

Lights. Manger

scenes. Christmas

is clearly upon us. And each

year it seems to come earlier

and earlier. This year, a New

York City radio station was

playing 24/7 Christmas music

by the end of November.

Those who shopped in malls

were hearing the sounds of

Christmas long before the

meals were being made for

Thanksgiving.

What is Christmas? It

must mean something more

than just a consumer free-for-

all that engulfs our culture for

the last month of every year.

But how do we untangle that

which is the core of Christmas

and that which has been

appended to it (such as Santa

Claus and reindeer) as the

years have progressed?

Obviously, the best place

to turn to is the source.

Though the celebration of

December 25th was several

What is Christmas really? By Pastor Russell Huizing

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

December 10, 2014

Zone 2, Vol. 12, No. 24

We are a Family, Friendly Publication

continued on page 6

8/10/2019 221657_1418131079Dec 10 2014 Z2 LR.pdf


visit our website at www.lifeandleisurenj.com December 10, 2014, Zone 2

NOTE: To have your group’s announce-

ment appear in Community Happenings,

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

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

•Come join Chess Club at the Lincoln Park

Library on Thursday, December 11 from4:30-5:30pm. For children in the second

grade and up. Light instruction will be pro-

vided, but kids should have a basic under-

standing 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 is

sponsoring its 6th Annual Christmas

Concert “Carols of Splendor.” Join us on

Sunday, December 14 at 3pm at HolySpirit Church, Pequannock. A dessert

reception will follow the program. A sug-

gested offering of $20 for adult support-

ers is appreciated, however all donations

are welcome. For further information

please contact the rectory at 973-696-

1234.

•The Suburban Woman’s 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 NewarkPompton Turnpike, Pompton Plains. For

more information call Ginny at 973-835-

4114.

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 decorative can-

dles by decorating them with pepper-

mints. Supplies will be provided. Please

register for this program by calling 973-

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

colnparklibrary.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 registra-

tion 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,

Frosty the Snowman, and How the Grinch

Stole Christmas, 98 minutes total, on

Friday, December 19 from 4:30-6:15pm.

Open to all ages. Bring a friend and enjoy

some popcorn and snacks. There is no reg-

istration required for this program.

Around the

Community...• Elysium Salon and Spa in Lincoln Park has

partnered with Jersey Cares Coat Drive. They

will be collecting coats until December 15

Please support those who are less fortunate

and drop a coat off at Elysium Salon and Spa

183 Main Street in Lincoln Park.

•The Lincoln Park Library offers help for all

things technological. Sign up for a one-on-one

session. We can offer help with a range of top-

ics, including, but not limited to: Microsoft

Windows, Microsoft Office, Word, Excel,

PowerPoint, website help with Google, Gmail,

eBay, Etsy, and social media Facebook, Twitter,

Instagram, and LinkedIn. We can 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.

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.

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Two months ago, my

youngest son Sam

needed a new phone

and our Verizon family plan

could not accommodate

another line. I really wanted

to put him on our plan, as we

have no limit on data or talk

time, as were the plans of 5 or

so years ago. Today, the major-

ity of phone plans, regardless

of carrier, charge for data or

limit you and those that don’t

charge, reduce your speed

when you exceed a certain

level of data each month. Sam

is 14 which means he, by gen-

eration, is a data hog and an

unlimited data plan is essen-

tial to his psyche and my wal-

let too! What is a father to do?

Lo and behold, Sprint,introduced an unlimited data

plan that would not slow

down upon reaching a set

usage level. Immediately, we

sped to our local Sprint Kiosk,

to purchase a new Samsung

Galaxy S-5 Android phone

with unlimited data plan.The

phone cost over $600 and the

plan was $60 per month where

they would finance the phone

with no interest at just $50 per

month. Sam, remember, is 14

so an insurance plan is critical,

adding another $11 to the

monthly bill bringing the total

to just over $100 per month.

Ok, we walk away with

the best phone on the market,

unlimited data and a satisfac-

tion guarantee, not happy, get

your money back. Well not

exactly, as we found out.Service was fine except, near

Wayne Hills High School, the

phone doesn’t work very well,

exactly where Sam happens to

be 5 days a week. Though he

doesn’t use the phone every

day, we decided to give Sprint

the opportunity to better the

situation by explaining to

them our dilemma. After 4

weeks, we attempted to cancel

the service, trying to “port-

over” the phone to Verizon,

who has excellent service at

the high school. Sprint refused

to tell me anything about my

account unless I told them my

account password or my child-

hood best friend. I couldn’t

answer their questions, as I

never supplied the informa-

tion to them since I was never

asked the questions when we

initially purchased the phone

and service. They refused tohelp me disconnect the

phone. I asked for managers,

supervisors and vice presidents

to speak to, explaining that I

cannot possibly answer any

questions for which I had not

previously given information.

I even visited the Sprint loca-

tion in Butler to cancel the

account and get a refund for

the phone. The clerk said I

had to return to Willow Brook

as each were third party retail-

ers; not corporate owned

stores and they were the only

ones that could help us. I was

furious to say the least as this

had consumed many hours of

energy already.

So next I went to the

Verizon store, after receiving a

“special chip” by overnight

mail directly from Verizon cor-porate, to place in the phone

so Verizon could communicate

with it. You see, up to this

point I was under the impres-

sion that a Samsung Galaxy S-

5 phone could use any service

provider, after all, it is the

newest phone on the market

and available from a myriad of

retailers as well. Boy was I

wrong! The Verizon store

informed me that even with

the chip installed, the phone

would not operate properly or

perhaps at all with Verizon,

because this was a “Sprint”

phone, unique and manufac-

tured exclusively for them and

cannot be ported over to any-

one. Now, I had to go back to

the kiosk where I found out

the salesman made-up the

answers to the security ques-

tions and password, neglecting

to tell me what they were.

Further, after speaking with

the Sprint tech people directly

from the kiosk, the phone

could not be changed to any

other service provider and Icould not get a refund as I was

over the 14 day window of

opportunity, even though the

reason for delay was to remedy

the problem. Earlier, the

Sprint home office told me I

couldn’t port the phone unless

I paid the bill in full, (which

was the balance of the phone

purchase price) so I did, right

on the phone with my AMEX

card. So now, I have a paid for

Sprint phone that can’t be

changed to Verizon, the

Sprint service is deactivated

and I am unable to move it to

Verizon or any other provider.

Sprint offered me $170 for the

phone I just paid $600 for and

Verizon will sell me a new one,

with a 2 year service contract

commitment for only $290.

This is my current dilemma;

I’m sure there are thousands of

people in a similar predica-

ment. Sprint was dishonest

from the beginning, signing

me up with a promise of “satis-

faction guaranteed,” making

up the answers to securityquestions and passwords with-

out my knowledge, not dis-

closing that the phone was

unable to be “ported” to any-

one else, allowing me to can-

cel the service, but not the

phone and failing to refund

my money stating that I took

too long now to bring it to

their attention. They were dis-

honest not to reveal that the

Sprint dealers are independ-

ent contractors/retailers and

not actually affiliated with the

company and other Sprint

locations have nothing to do

with each other. I feel duped

and severely disappointed that

this kiosk independent retailer

will not step-up and rise to the

occasion and refund my

money for the phone enabling

me to take my business else-

where.

I am devoting my finan-cial column space today to let

my readers know that the

Sprint “Satisfaction Guaran-

teed” has a time limit of 14

days (this was never initially

discussed) and you should

think twice before purchasing

a phone and service from

them. May my $600 expense,

be a lesson to you and a warn-

ing to them, not to treat the

people in our community

unfairly, as a bad reputation

travels much faster than a

good one. Basically everyone

needs a cell phone today and

there are many choices in

which to secure one. Please

remember this true story when

considering which cell compa-

ny or retailer to use.

The holidays are here,

put your family first by havinga no cost nor obligation life

insurance policy review with

American Prosperity Group!

Call me today to discuss this

very important subject that

may affect everyone who

needs you. Remember that

purchasing life insurance is an

act of love for ones beneficiar-

ies so give the gift of financial

security this holiday season by

upgrading your life insurance

program before the holidays

pass us by and your age and

health may no longer be the

same.

Mark E. Charnet, CAS, is

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+

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hundred years in the making,

the focus of the celebration has

very clear source material. In

the pages of scripture, we see

what the events of the firstChristmas were and why we

still celebrate that night thou-

sands of years later.

Most of us are aware of

the story of Christmas. The

baby Jesus is born in

Bethlehem to a young, newly

married Jewish couple - Joseph

and Mary. But this is no nor-

mal birth. Mary, a virgin, is

told by an angel that the baby

conceived in her is from theHoly Spirit (Matthew 1:20).

This miracle happened to ful-

fill the prophecy of Isaiah 7:14,

“The virgin will be with child

and will give birth to a son,

and they will call him

Immanuel.” The place of His

birth is no coincidence either.

The prophets were clear that

the promised Messiah would

be born in Bethlehem (Micah

5:2). Joseph and Mary, after atrip to Egypt to escape the

anger of Herod, make their res-

idence in Nazareth by the Sea

of Galilee - again, a fulfillment

of scripture (Isaiah 9:1-2).

So what’s the big deal?

Apart from the miracle of a

virgin having a son, what is so

noteworthy to commemorate

Christmas over two thousand

years later? This is where the

scriptures come alive with ver-

ification for the joy that has

been celebrated all these years.

There is little debate over

the humanity of Jesus. Most

would agree that at the very

least, He was the world’s great-

est teacher. We see in Him a

lucidity of thought and morali-


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What is Christmas really?

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ty that is present in no other

person. As we look at Him in

the Gospels (Matthew, Mark,

Luke and John) it is difficult

not to walk away with a deepsense that He was not just a

good man, but a perfect

human.

But scripture does not

leave us there. It goes on to

describe Jesus as not only a per-

fect human, but also as God.

This is where we stumble in

our modern times, but scrip-

ture is clear. In Colossians

1:19, we read, “For God was

pleased to have all His fullness

dwell in Jesus.” In Colossians

2:9 God tells us that “In Jesus,

all the fullness of the Deity

lives in bodily form.” Jesus was

not just a fully perfect human,

He was fully perfect God. This

is not just the writings of His

followers. Jesus claimed to be

God (John 10:30) and asserted

the attributes of God (Mark

2:5-12). Interestingly, this was

foretold in the scriptures in

Isaiah 9:6. Note in this familiar

verse that a child is born who

will be called ‘Mighty God’and ‘Everlasting Father.’ Both

these terms are used elsewhere

in Isaiah as a reference to God

(Isaiah 10:20-21 and 64:8). So,

in this verse we see God pre-

dicting through Isaiah that the

Messiah would be both God

and man.

But again, we are left with

the question, “So what.” If we

take the scriptures at face

value we can clearly see that Jesus was both God and man.

What is the celebration all

about? In order to understand

that, we must go back to Job.

Job 9:33-35 says in refer-


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There’s a lot of talk

about social security

these days. For many

of us, social security payments

are a big part of retirement

planning. Here are answers to

a few basic questions on social

security.

Q. When can I start drawing

benefits?

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standard benefit when you

reach your full retirement age.

That’s at age 65 if you were

born before 1938. Full retire-

ment age increases progres-

sively to age 67 if you were

born in later years. But you

can choose to receive a

reduced benefit any time after

you reach age 62. The earlier

you start, the bigger the

reduction. Or you can

increase the size of your

monthly payment by delaying

drawing benefits beyond your

retirement age.

Q. Will my benefits be taxed?

A. Whether you’ll have to

pay income tax on the social

security benefits you receive

depends on your other

income. If your “provisional

income” exceeds certain

thresholds, up to 50% of your

social security benefits could

be subject to tax. This can go

up to 85% at higher income

levels. Generally, provisional

income is your total income

from all sources, including

tax-exempt interest, plus one-

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benefits.

Q. What happens if I keep

working while recei ving

social security?

A. If you’ve reached full

retirement age, you can keep

working without reducing

your benefits. But if you’re

drawing benefits in the years

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security benefits


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It took me awhile to figure

out that the “new and

improved” Joe wasn’t a win-

ning persona. When I was

around 23, I was a hotshot staff

accountant at the Witco

Chemical Corporation. My

aura at the time was that my

poop didn’t stink. Other peo-

ple’s might have, but not mine.

I decided to venture out

and look for a new job. A head-

hunter set up an interview for

me in a nearby town. I don’t

remember the name of the

company, but I sure remember

the meeting.

My interviewer was a

young guy who immediately

made me feel very confident

and very comfortable. About

half way through the interview,

I planted my feet firmly on his

desk. We talked about women,

partying and all of my consider-

able conquests. When I left, he

gave me a slap on the back and

told me he looked forward to

seeing me soon.

I left feeling absolutely

positive that I had gotten the

job. When I arrived home,

there was already a message on

my machine. The call was from

my headhunter.

Her first message was this,

“Joe, I just heard from the com-

pany and unfortunately, you

did not get the job.” When I

heard those words, my heart

sank. The rejection didn’t

make sense to me. I thought I

had connected with the inter-

viewer on a spiritual level.

But the next words that

came out of her mouth

changed the way I looked at

myself. She said, “Oh, by the

way, he has a message for you:

‘Grow up’!”

Think about it...

I realized too late that

during the interview, the inter-

viewer was testing me. He

wanted to see how far I would

go. He opened the door, and I

just ran my mouth. What was

impressive to a 23 year-old

whose life was a mess was

VERY unimpressive in the real

world! Have you had a similar

“testing”? How did you do?

Perhaps some changes need to

be made in your life so that

when you feel comfortable in

an initial meeting, your true

self will be just the ticket.

Joe Pellegrino is an author,

speaker and consultant for

Not Just An Average Joe, LLC.

Have thoughts of your own?

Send them to joe@notjustanaver-

agejoe.com. ©2014

Not Just An Average Joe, LLC.


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tain amount ($15,480 in

2014). Different rules apply

in the year you actually reach

your retirement age. In a few

cases, continuing to workwhile you’re drawing benefits

can actually increase your

later benefits.

Q. How do I decide when to

begin drawing benefits?

A. Deciding when to start

drawing benefits and when to

stop working is a very person-

al decision, but it’s critical for

your retirement planning. We

can supply the numbers and

explain the tax issues to help

you make the right choices.

For assistance, give us a call.

Robert P. Sokoloff and Associ-

ates, PC, is a year round, full

service CPA firm providing a

wide range of Accounting and

Tax services to both Small Busi-

ness and Individual Clients.

We are QuickBooks Certified

Pro Advisors and provide new

business set up, training and

support. Our office is located at

166 Min St. Lincoln Park, NJ07035. Our website is

www.cpanewjersey.com and

email is

[email protected].

To contact us by phone please

call 973-633-1001.


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Questions and answers about social security benefits


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Deciding to get a dog

can be a life-altering

moment. While the

decision carries with it a

wealth of responsibility, a dog

can change a person’s life for

the better, providing loyalty

and companionship for years

to come.

Once the decision to get

a dog has been made, prospec-

tive pet owners must choose a

breed. Various factors play

into this decision, including

how much space the dog will

have at home, the grooming

responsibilities that come

with a particular breed and the

typical demeanor of a given

breed. Because no two breeds

or owners are the same, some

dog-owner combinations may

make for a better pairing than

others.

Descriptions of breed

temperament can provide a

window into the general per-sonality of certain dogs. But

such descriptions are not set in

stone, as each dog is unique

and may exhibit behaviors

extraordinary to its breed.

Factors such as socialization

and training play key roles in

how dogs will react in situa-

tions, and the following are

some dog breeds that have a

propensity to be easy-going

and relatively easy to train.

Golden retriever: Golden

retrievers tend to be gregari-

ous, docile and a good fit for

families. They are people-ori-

ented, affectionate and loyal.

Golden retrievers are moder-ately-sized dogs that need

exercise to prevent boredom

(which can compel them to

cause damage around the

home). But golden retrievers

are generally a good fit for

first-time dog owners.

Labrador retriever: A

close cousin to the golden

retriever, Labradors are anoth-

er breed known for their good

nature and willingness to be

trained. Labs shed and can

grow large, so that is some-

thing apartment-dwellers

must consider before bringing

home a Lab.

Standard poodle: Poodlesare an intelligent breed that

are easily trained. Poodles can

be high strung if not given

ample exercise, so this is

something prospective poodle

owners need to consider.

Cavalier King Charles

spaniel: This is a well-propor-

Best breeds for first-time dog owners


Dr. Matthew Krupnick, D.V.M.

591 Newark Pompton Tpke. (near Friendly's)

Pompton Plains, NJ

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Brought to you by

Dr. Matthew Krupnick,

the owner of Pequannock

Animal Hospital

continued on page 16

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LOCATION

246 Hamburg Turnpike,

Suite 202

Wayne, NJ 07470

is certif ied by the American Board ofCardiovascular Disease and Interventional Cardiology. 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 Vascular Laser Therapy for the treatment of varicose veins, laser ablation and sclerotherapy. He also specializes in advanced cardiovascular procedures, including angioplasty, laser atherectomy and stenting.

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

(UMDNJ)/Robert Wood Johnson Medical School 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 1995 completed an Interventional Fellowship at the Albert Einstein Medical Center,Philadelphia.

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Spider veins and varicose

veins are different in ap-

pearance but similar in

their causes. With vari-

cose veins, the valves lo-

cated within the veins are

diseased and do not fully close to prevent

blood in the vein from flowing in the wrong

direction (called “refluxing”). This results in

bulging veins in the legs which are often blue

or purple in appearance. These varicoseveins can cause pain, numbness and fatigue

in the legs; and in more extreme cases can

cause painful leg ulcers.

We refer to spider veins as smaller dis-

colored veins that have a spider web-like

appearance. These veins are generally not

painful, and are treated cosmetically.

As we age, the risk of developing vari-

cose veins increases. Approximately 30 –

50% of adults suffer from the underlying

condition, known as chronic venous insuffi-

ciency, or CVI.

Approximately 80% of patients arewomen and only 20% are men.

Contributing factors that put a person at

risk of developing varicose veins include:

• Heredity

• Age

• Standing profession

• Being overweight or obese

• Hormonal issues

What Causes Varicose and Spider

Veins to Appear

Non-functioning valves within a blood

vessel cause varicose veins. Veins return

blood back to the heart, but when a valve

does not function properly, it causes bloodto flow backwards into the vein. This is

called venous insufficiency and this back-

ward flow causes vein enlargement. Spider

veins can develop for the same reason, but

are further influenced by obesity, heredity,

pregnancy and menopause.

Signs of Vein Problems

The symptoms are similar for varicose

and spider veins, but are typically more se-

vere for varicose veins. Spider veins may

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Varicose vein symptoms include leg aches

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when varicose veins are particularly severe.

Q. A.

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Now is the time to getready for Fall Fun.

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All these great Fallactivities require fresh

and healthy legs.

M E D

I C A L D O C T O R

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

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tioned and smaller dog that is

typically affectionate, happy

and outgoing. Typically eager

to please and intelligent

enough for obedience train-ing, the cavalier is naturally

well-behaved and can get

along well with other pets.

Boston terrier: The

Boston terrier, also known as

the “Boston Bull,” is a com-

pact brute of a dog.

Although small in size, the

Boston terrier does not lack

for personality and tends to

be playful and friendly with a

willingness to learn. Bostonsdo require a firm human

leader; otherwise, they may

believe they run the show.

These breeds are offered

as examples of good breeds

for first-time dog owners.

However, there are plenty of

other breeds out there that

would make ideal pets, even

for the novice dog owner.

Socialization, training and

exercise are essential to

shaping a dog into a trusted

and happy member of the

family.

Dr. Matthew Krupnick is the

owner of the Pequannock Ani-

mal Hospital. He grew up in

Kinnelon and is happy to be

home – with his wife, three cats,

and two dogs – to provide quali-

ty and compassionate care for

pets in the community. The Pe-

quannock Animal Hospital islocated at 591 Newark Pomp-

ton Turnpike in Pompton

Plains. You can reach the hospi-

tal by calling 973-616-0400.


Physical Therapy - Speech Therapy

Occupational Therapy

Sensory Integration

Has your child

been diagnosed

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We can help, give us a call

973.616.830018 Newark Pompton Tpk

Riverdale

Best breeds for first-time dog owners


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8/10/2019 221657_1418131079Dec 10 2014 Z2 LR.pdf


ence to his relationship withGod, “If only there were some-

one to arbitrate between us, to

lay his hand upon us both,

someone to remove God’s rod

from me, so that His terror

would frighten me no more.

Then I would speak up without

fear of Him, but as it now

stands with me, I cannot.”

Scripture teaches that our

imperfections separate us from

a perfect God so that we are allin Job’s dilemma - a desire to

be in relationship with God

but with no basis for that rela-

tionship. That may seem

appalling to many but we are

comforted that God is also

appalled by our circumstances.

In Isaiah 59:16, God says that

“He saw that there was no one,

He was appalled that there was

no one to intervene; so Hisown arm worked salvation for

Him and His own righteous-

ness sustained Him.” God was

not satisfied in leaving us in a

hopeless relationship. So He

took on humanity in the per-

son of Jesus. On that first

Christmas day in a manger, the

desire of Job was finally real-

ized. Jesus, who could repre-

sent humans (because He was

fully human) and God(because He was fully God),

was born to become the perfect

mediator. He lived the perfect

life that we cannot live and He

took on the punishment that

we deserved (we celebrate that

on Good Friday). It is through

Jesus that we can receive

righteousness (or a right

standing) before God.

How does that happen?The same way that Abraham

received righteousness. Gen-

esis 15:6 says that “Abraham

believed and it was credited to

him as righteousness.” There

is nothing we can do that

causes God to owe us the

righteousness from Jesus.

Instead, we have to trust in

Jesus - believe He is who He

said He is and that what He

did is sufficient to cover ourimperfections. We are then

able to be in relationship with

God - and not just for today

but for eternity.

That’s good news!!

That’s worth celebrating!!

That’s what Christmas is real-

ly all about!!


Bring Warmth and Comfort to YourHome and Family this Winter!Imagine spending this winter in front of the warm,

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Innovative, Full ServiceResidential Remodeling,

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e would like to thankall our customers for their loyalty

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visit o r ebsite at lifeandleisurenj com December 10 2014Page 22 Zone 2

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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

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CALL TODAY

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142 Route 23 NorthPompton Plains, NJ 07444

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ADDIE SCATTAGLIA,REALTOR

ALEX GARCIA,REALTOR

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ANA ALONSO-BASSI,REALTOR

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ANTHONY CHEFF,REALTOR

CATHERINE (CATHY)LAWTON, REALTOR

CHRISTINE FISCHER,REALTOR

COLLEEN MCMAHON,REALTOR

CORY DEAK,REALTOR

DANIELLE FIORINA,REALTOR

DEBORAH JANKE,REALTOR

DIANE GELFAND,REALTOR

DONNA MARIE RAMA,REALTOR

DORY VALENTINE,ADMINISTRATOR

ELISA DESTEFANO,REALTOR

FRANCINE ELMODEMING , REALTOR

FRANK ZALFINO,REALTOR

GABRIELLA BARBARO,REALTOR

REGINA (GINA) PETRY,REALTOR

JAYME FACE,REALTOR

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JOHN TIERNEY,REALTOR

JOSEPH GONSALES,REALTOR

KELLY TITUS,REALTOR

KRYSZTOF (KRIS)KOWALCZYK, REALTOR

KYUNG HI (JONI) KIM,REALTOR

LINDA LEE ALLEN,REALTOR

LISA MARIE ELZER,REALTOR

LIVIA DEAK,REALTOR

LORRAINE PESCATORE,REALTOR

MARGIE WEST,REALTOR

MARLENE MELFI,REALTOR

MARSHALL BERRY,REALTOR

MARTHA BAKELAAR,ADMINISTRATOR

H a p p y H o l i d a y s &

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NICOLE RUGGERIO,REALTOR

PABLO CASTRO,REALTOR

PAVLE (PAUL) BIJELONIC,REALTOR

PHIL BLANDINE,REALTOR

SHELLEY LALONDE,REALTOR

SUZANNE PARISI,REALTOR

TAESOON YANG,REALTOR

TERE EPISALE,REALTOR

THERESA (TERRI)GOGOLEN, REALTOR

THOMAS MAGGIO,REALTOR

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Branch offices located in Hawthorne (2 offices),Midland Park, Montville, North Haledon,Pequannock, Ridgewood, Waldwick,Wayne (2 offices), Westwood and Wyckoff.

We are pleased to share 10% of our earnings with Christian and local civic organizations.

For more information about the bank and its services, we invite you to call us at201-444-7100 or visit our website at www.asbnow.com

erry Christmas M WISHING EVERYONE A

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COOKIE

1 cup Land O Lakes®

Butter, softened

1/3 cup sugar

4 tea milk

2 tea almond extract

1 2/3 cups all-purpose flour

½ cup finely chopped

almonds

24 whole almonds, toasted,

cut in half

Coating

8 ounces vanilla candy coat-ing (almond bark)

1 tablespoon shortening

½ cup white jimmies or sprinkles

Heat oven to 325°F.

Combine butter, sugar,

milk and almond extract in

bowl; beat at medium speed

until well mixed. Stir in flour

and finely chopped almonds.

Shape 2 teaspoons dough

around 1 almond half. Place

1-inch apart onto ungreased

cookie sheets. Bake 13-15

minutes or until set. Cool 1

minute on cookie sheet;

remove to cooling rack. Cool

completely.

Place candy coating

and shortening into

bowl. Microwave 1

minute; stir. Continue

microwaving, stirring

every 15 seconds, until

mixture is melted and

smooth.

Place jimmies in

shallow bowl. Dip

each cookie in coat-

ing (do not coat bot-

tom); immediatelydip top into jimmies. Let

stand until coating is set.

Helpful hints:

Use a mini food proces-

sor to finely chop almonds.

Substitute 1 cup white baking

chips for candy coating.

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j g

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CLASSIFIEDS & SERVICE DIRECTORY

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0815 SERVICES MASONRY

Longo Construction

973-838-8693

All Types of Brick, Block,Concrete, Fireplaces,

Foundations etc.

Free Estimate - Fully Insured

Bloomingdale

0827 SERVICES PAINTING

Q u a l i t y

W

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a n s h i p

• Interior & Exterior Painting• Residential Specialists • Power Washing• Paper Removal & Installation• Brush • Roll • Airless Spray• Fully Insured • FREE Estimates

Owner Operated

“Where Excellence InQuality Is Affordable”

973-839-7403

0826 SERVICES PAINT/POWER WASH

Stephen FoxPlumbing & Heating

Small Repairs,Alter, Drain Svc.

INSURED BONDED

973-839-1054

Lic.#7467

•Vinyl Siding•Replacement Windows

•Residential Roofing•35+ Years Experience

ROSSROOFING & SIDING

973-696-5699Free Estimates • Fully Insured

0827 SERVICES PAINTING

0886 SERVICES ROOFING

8/10/2019 221657_1418131079Dec 10 2014 Z2 LR.pdf


221657_1418131079Dec 10 2014 Z2 LR.pdf

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