221657_1426848091Mar 25 2015 Z3 LR.pdf
Transcript of 221657_1426848091Mar 25 2015 Z3 LR.pdf
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Royal Lawns of America,
Inc., has been in busi-
ness for over 40 years
and is now in its second gener-
ation. Michael Miller took
over the Wayne-based business
from his father and has contin-
ued to provide the community
with the same fine services that
are in tune with the environ-
ment.
The owner-operated,
owner-on-site business offers
customers the benefit of paying
one price for the whole year,
and there are no special con-
tracts. As Michael puts it: “My
work speaks for itself.”
He treats present prob-
lems with methods that are
environmentally friendly. “I’m
as close to organic as I can be,”
he said. Among the services are
aeration, seeding, fertilizing,
weed control, insect control,
liming, fungus control, and
IPM (integrated pest manage-
ment). More detail about each
service follows.
Aeration:To keep your
lawn healthy, it should be aer-
ated at least twice a year. The
Royal Lawns aeration tech-
niques allow air, light, water
and nutrients to penetrate your
lawn, promoting root growth
and helping to decompose
organically an excessive thatch
Royal Lawns of America providesenvironmentally sound services By Jack Mc Cabe
Proverbs 3:5,6 • God Bless AmericaRecycled Paper from 30% Post Consumer Waste
March 25, 2015
Zone 3, Vol. 13, No. 6
We are a Family, Friendly Publication
continued on page 6
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visit our website at www.lifeandleisurenj.com March 25, 2015Page 2, Zone 3
NOTE: To have your group’s announce-
ment appear in Community Happenings,
please e-mail your paragraph to [email protected].
MAR 25
•Bring your imagination and we supply
the LEGOs for Lego Lab on Wednesday,
March 25 from 4-5pm. For grades K-5.
Registration required. Call 973-835-
5044 or www.riverdalelibrary.org.
MAR 28
•Time for a spring craft at the Riverdale
Library on Saturday, March 28 at 1pm.
Make a hand-crafted favor of up to
eight goody bags, a bunny cut-out, and
place cards. Supplies provided. For
more information, call 973-835-5044or go to www.riverdalelibrary.org.
•The Fusion Cafe at Butler Church of
The Nazarene presents Wheels of Fire, a
Cream Band Tribute, on Saturday,
March 28 at 7pm. The free show is pre-
sented by band mates Richie Ranno
from Starz, Gregg Hollister, and Joe
Dube on Drums. For reservations call
973-838-1027.
•Join Healthy Mind & Body Exercise for
Elders Program at Butler Public Library
presented by Marissa Jacobia, Volunteer
Girl Scout on Saturday March 28 from
12-1pm. Exercise your mind and bodythrough yoga, meditation, and stretch-
ing. Health and nutrition information
will also be provided. Please bring a
yoga mat and light weights if you wish.
This free program is limited to 15 par-
ticipants. Call 973-838-3262 or stop by
the Library to sign up.
APR 3
•The Reformed Church in Kinnelon
announces Good Friday Cantata on
Friday, April 3, at 7:30pm. An eight-
person choir will present The Weeping
Tree a musical rendering of the cross
that uses beloved hymns, newly com-posed music, and sacred symbols in a
testament of the crucifixion of Christ.
Communion will be offered. The
Reformed Church in Kinnelon is located
at 155 Kinnelon Road. For information,
please call 973-838-3113 or visit
reformedchurchkinnelon.org.
APR 6
•Riverdale Library will host
Documentary night on Monday, April 6
at 6:30pm View a recent documentary
on our big screen. Refreshments will be
served. For the movie title, call 973-
835-5044 or www.riverdalelibrary.org.
APR10
•Riverdale Library will host Movie
Matinee on Friday, April 10 at 1pm.
View a recent blockbuster movie pre-
sented on our big screen. Holiday
refreshments will be served. For infor-
mation call 973-835-5044 or
www.riverdalelibrary.org.
APR 15
•Riverdale Library will host PruningOrnamental Trees and Shrubbery on
Wednesday, April 15 at 7pm. Marc
Zukovich, president of Sterling
Horticultural Services, will discuss prun-
ing techniques, practices and how
achieve the best blooms. For informa-
tion call 973-835-5044 or check our
website at www.riverdalelibrary.org.
APR 17
•Butler Public Library will hold a Family
Movie Night, showing “Into the Woods,”
Rated PG, 125 minutes, on Friday, April
17 from 6:45-9pm. Program is open to
all ages. Sign up at the Circulation
Desk, 1 Ace Road, or visit www.butlerli-
brary.org or call 973-838-3262.
APR 18
•Riverdale Library will host Family
Movie Matinee on Saturday, April 18 at
1pm. A boy prodigy and a giant robot
team up with friends to form a group of
high-tech heroes in this Disney/Pixar
hit. All ages welcome. Call 973-835-
5044 or www.riverdalelibrary.org.APR 21
•Butler Library presents Bring Spring
into Your Kitchen, on Tuesday, April 21,
from 6:30-7:45 pm. Popular PBS Chef,
Laura Theodore, the Jazzy Vegetarian
shares how to dress up fresh spring pro-
duce in plant-based recipes. She will
share basics on how to cook with fresh
herbs and enhance your recipes. This
free program is limited to 25 partici-
pants. Register at 1 Ace Road, or
www.butlerlibrary.org or call 973-838-
3262.
APR 22
•Riverdale Library will host a Poetry
Workshop on Wednesday, April 22 at
7pm. New Jersey poet and teacher
Michelle Ovalle will lead the group dis-
cussion. You can create your own poems
using images and various art prints as
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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. © 2015 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.
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visit our website at www.lifeandleisurenj.comMarch 25, 2015 Zone 3, Page 3
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visit our website at www.lifeandleisurenj.com March 25, 2015Page 4, Zone 3
An interesting ques-
tion when you think
about it, there are
many factors that determine
when an individual is able or
positioned to retire. Some
people are left powerless to
choose as their employer
made the decision for them
due to a corporate buy-out,
downsizing, relocation, merg-
er or just simple termination.
But, for most, the days of a
defined benefit plan (the
actual definition of a pension
plan with a guaranteed pay-
ment and commencement
date) are now a distant mem-
ory! Today, the overwhelming
and most popular retirement
plan is called a defined contri-bution plan, where the
employee defines the contri-
bution and where to put it.
Commonly known as a 401k
plan, a lot of people partici-
pate in their employer pro-
gram, yet know very little
about it or investing in gener-
al. It is the most important
feature of a working career; to
accumulate a retirement nest
egg so when employment
ceases, payments from the
plan may replace the pay-
check and continue for the
rest of the former employee’s
lifetime and if married, their
spouses lifetime too.
Will your 401k be
enough? Financial industry
studies routinely show that
the answer is NO! A good
back-up plan may be a self-funded IRA or an after-tax
savings plan. Some people are
“banking” on an inheritance;
but, with more parents living
longer and the costs of doing
so eating into their children’s
expected windfall, regardlessof a possible inheritance, each
of us needs to be financially
prepared for retirement and a
long one at that! Is your
expected inheritance protect-
ed from a prolonged long-term
care stay from either of your
parents? I must suggest that
you and your siblings, along
with your parents and a finan-
cial advisor get together to
discuss this seriously urgent
matter.
Think about this recent
statistic from the U.S.
Department of Health’s web-
site, www.longtermcare.gov,
which states that 7 out of 10
seniors will require long-term
care assistance and with the
Boomer Generation which is
turning 65 at a rate of 10,000
people a day for the next 16years this means that 7,000
people a day, growing expo-
nentially over the next 16
years will require LTC assis-
tance before they die! By this
statistic 7,000 x 365 days =
2,555,000 people over thenext 12 months will require
LTC help. Multiply that over
just the next 5 years =
12,775,000 people will have a
long-term care expense. Board
and Care facilities (nursing
homes) in Northern NJ cur-
rently average $125,000
annually, according to a
recent Genworth Insurance
Company study. Looking at
this statistic and assuming
that your parents have
longevity and assets, with a
70% chance of needing care
and the average LTC facility
stay just under 3 years, not
accounting for inflation, the
probable bill would amount to
$375,000 per parent. Can
they afford that? Can you
afford to lose that much of
your “retirement inheri-tance?”
Medicaid doesn’t chip in
for facility care until Medicare
is exhausted after 100 days or
sooner if the patient’s health
cannot be regained and they
are designated as “custodial”and no longer rehabilitative.
Medicaid won’t pay unless the
family assets are spent-down
to poverty level in order to
become eligible. It’s this
“spend-down” period that
awakens children, but, by
then it’s too late to be proac-
tive. The child or children are
typically the Power of
Attorney and deplete Dad and
Mom’s portfolio/estate to pay
for their parents’ care. Having
been in this business for over
33 years, I’ve witnessed this
“spend-down tragedy” far too
many times, as plans for a
legacy, bequest and other best
intentions were buried before
the parents died, because the
children were forced to use
their parents money to pay
the nursing home/homehealth care bills that ran into
the hundreds of thousands of
dollars.
So now let’s bring this
story back to you, where you
are the parent and not the
child: have you prepared for
this 70% statistical eventuali-
ty of LTC needs and expenses,
did you segregate a current
value of $375,000 of your
401k or retirement portfolio
for this purpose? While work-
ing, perhaps you had disability
insurance to protect your pay-
check in the event you could
not work due to a disability;
when you are retired or think-
ing about retiring, shouldn’t
you prepare to have the same
“paycheck protection” from
either a long-term care claim
or if the bottom falls-out of
the stock market? Doesn’t
everyone need paycheck pro-tection, especially when your
retirement portfolio that gen-
erates your monthly “pay-
check” is finite? I certainly do
and would encourage you to
discuss this subject of such
major financial importance
with your spouse, your sib-
lings, your kids and whomever
you derive financial advice
and guidance from. If you are
not thrilled with your finan-
cial advisor or don’t have one,
I would like to apply for that
honorable position, with no
cost or obligation to you. This
subject matter is just too
important to ignore or put-off
any longer! You are the
“youngest and healthiest” you
will ever be, right now.
Something might happen
with your health to compro-mise your ability to purchase
insurance coverage if you
delay any longer. Just last
week a client called me to
increase his life insurance
because his friend dropped
dead of a heart attack at a
family gathering, he was only
30, married with 4 kids and
had ZERO life insurance.
Please don’t allow procrasti-
nation to be a lethal weapon
against you and your family’s
financial future. Your legacy is
worth more than that and so
is your family’s memory of
how you provided for them!
Mark E. Charnet, CAS, is
President and Founder of
American Prosperity Group. APG is the Premier
Retirement and Estate Planning
Franchise in the United States
with 20 offices in 10 states.
Mr. Charnet has over 33 years
of experience in the Retirement
and Estate Planning fields. Cre-
ator of the Trinity Method of In-
vesting©, Mark encourages
your inquiries and can be
reached at: 973-831-4424 or
via email,
Check out our website:
www.1APG.com. Interested in
a career in retirement and estate
planning? Check out this web-
site: www.APGFranchise.com
Securities through: United Plan-
ners Financial Services, A limit-
ed partnership. Member SIPC,
FINRA and a Registered In-
vestment Advisor. APG is lo-cated at: 901 Route 23 South,
2nd floor, Pompton Plains, NJ
in the Lakeland Bank and Pedi-
atriCare building.
What will determine your retirement date?
Your age or your portfolio value? By Mark Charnet
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inspiration. Open to writers of all skill
levels. For information, call the library
at 973-835-5044 or www.riverdaleli-
brary.org.
APR 25•Zumba Gold a low impact dance and
fitness class at Butler Public Library will
be presented by Maryann King, licensed
Zumba instructor on Saturday, April 25
from 1-2pm. This class will start with a
short discussion of fitness and a include
30 minute demo workout. This free pro-
gram is limited to 15 participants. Call
973-838-3262, or stop by the Library
to pre-register.
APR 29
•Family Promise of Passaic County’s is
celebrating their first year of service to
Passaic County homeless families at a
dinner dance on Wednesday, April 29
from 7-11pm at The Bethwood, 38
Lackawanna Ave, Totowa. Music provid-
ed by DJ’s Rock-n-Rono Entertainment.
The honorees include charter members,
former board members and benefac-
tors. Please send RSVP along with check
for $60 per ticket by April 15 to Family
Promise of Passaic County, PO Box
1356, Wayne, NJ 07474. For informa-
tion contact Therese Grolly at 973-626-
2801 or visit fppassaiccounty.org.
APR 30•Riverdale Library will host Paradise
Gardens for Pollinators and Wildlife on
Thursday, April 30 at 7pm. Create a
mini paradise in your back yard. Master
Gardener Gail Di Domenico joins us to
discuss how to attract butterflies, bees,
dragonflies, hummingbirds and other
wildlife to your garden, includ ing plants
that pollinators like and what those
plants require to be successful in your
garden. For information call 973-835-
5044 or www.riverdalelibrary.org.
Around the
Community…
•Friends Annual Book Sale to benefit
the Riverdale Public Library is on Friday,
March 27, from 4-8pm, Saturday,
March 28 from 10am-4pm and Sunday,
March 29 from 12-3pm at the Riverdale
Community Center, 57 Loy Avenue. Join
us for a selection of books, music and
movies at great prices. For more infor-
mation, call 973-835-5044 or visit
www.riverdalelibrary.org.•Calvary Gospel Church, 1559
Hamburg Tpk., Wayne, invites the com-
munity to the following Easter services
Friday, April 3, Good Friday Services at
7pm; and Sunday, April 5, Sunrise
Service at 8am; Easter Breakfast at
9am; Easter Service at 10am. Please
call for information 973-694-5385.
•Riverdale Library will host AARP Driver
Safety Course on Saturday, April 18 and
April 25 from 1-4pm. The purpose of
this course is to help drivers of all ages
to maintain their mobility and inde-
pendence by refreshing their driving
skills and learning how to adjust to age-
related challenges. Cost: $15 for AARP
members; $20 for non-members. Both
sessions must be completed. Call 973-
835-5044 or www.riverdalelibrary.org.
•Story time for Infants, Toddlers, and
visit our website at www.lifeandleisurenj.comMarch 25, 2015 Zone 3, Page 5
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MEDICALPrimary and Urgent Care
PAIN MANAGEMENT
Interventional Pain - Management - Knee/Shoulder/Joint InjectionsNumbness/Pins & Needles in Arms or Legs - Cortisone/Synvisc Injections
Left to right, Top row:Dr. Jennifer Witkowski, PT Dr. Paul Marston, DC Dr. Kevin McElroy - PainManagement Specialist.Bottom row:Dr. Nancy Lentine - FamilyMedicine,Lauren Dota andGrace Qarmout NP-C
Primary Medical and Urgent CareExtended hours in addition to our regular hours
Friday 3-7pm and Saturday 9am-1pmWE are IN-NETWORK and participate with most insurance plans.
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McKeeverDentalCare
Community Happeningscontinued from page 2
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layer more rapidly.
Re-Seeding: Areas of the
lawn that have been damaged
or neglected can be renewed byre-seeding. “We use quality dis-
ease-resistant blends of blue-
grass, fescue, and rye grasses
especially selected for your
lawn’s environment, improving
the appearance and density of
your turf. This, in turn, helps
inhibit weed growth,” said
Michael.
Fertilizer (granular): A
thriving lawn requires proper-
ly timed applications of com-
plete, balanced, slow-release
fertilizers to replace essential
nutrients taken from the soil.
The fertilizers used by Royal
Lawns are designed to feed
your lawn from one service to
the next, and there is no surge
growth or burning – just
steady greening and a thicker,
more beautiful lawn.
Liming: The application
of lime increases the granula-
tion of soil, improving its phys-
ical structure and air-to-waterratio, helping your lawn toler-
ate drought conditions. Liming
increases the availability of
many plant nutrients, making
fertilizers more effective and
helping to reduce weeds by cre-
ating conditions more favor-
able to grass growth.
Fungus control: Since
fungus problems are derived
mostly from weather condi-
tions, maintaining a strong
lawn through treatment,
watering and proper mowing
makes your lawn more natural-
ly resistant to fungus problems.
However, in appropriate condi-
tions, fungicides may be used to
help reduce damage caused by
cell deterioration from fungus.
Growing up, I was
probably the biggest
liar in the world. I
lied, cheated and stole almost
compulsively. I lied so much,
in fact, that to this day, I’m
really not sure what memories
actually occurred and which
were fantasy. For example, if I
didn’t have a photo of myself
standing on the field at
Yankee Stadium hanging in
my basement, I probably
wouldn’t even know if I had
actually tried out for the New
York Yankees. Often times,
my sisters talk about the past,
but I just can’t seem to
remember the memories they
speak of.
My lies became a totally
separate reality for me. I won-
der sometimes, Why did I lie
so much? What happened in
my childhood that led me to
create a fantasy life for myself?
I guess it all comes back to the
“woe is me” syndrome. An
attention-seeker runs on
attention like cars run on
gasoline. If I didn’t get my
attention fix, I felt worthless.
Because I felt like my life was
not interesting enough to
please my family, my friends,
and anyone else I came in
contact with, I made up what
I thought was a better version
of me. It would be easy for me
to blame others, who never
paid much attention to me,
but ultimately I am the one
who made the choice of creat-
ing another me.
I still can’t believe some
of the stuff I did for attention,
or just to make myself feel
more important.
Think about it…
Are you who you say you
are or merely the fantastical
creation of your own mind?
Maybe you are the creation of
someone else. I truly believe
we are born with a purpose
and that we should seek that
purpose in order for us to
attain that “sweet spot” that
makes life exciting and worth
living!
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.
Lies, lies & more liesPicture this…
visit our website at www.lifeandleisurenj.com March 25, 2015Page 6, Zone 3
Royal Lawns of America providesenvironmentally sound servicescontinued from page 1
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Preschoolers at the Riverdale Library.
Totally Twos is on Mondays from 10:15-
10:45am. Baby Time is on Mondays
from 11-11:30am. Preschool Pals is on
Tuesdays from either 10:15-11am or1:30-2:15pm. Registration required.
Call 973-835-5044 or go online at
www.riverdalelibrary.org.
•Free Tax Assistance for seniors will be
offered at the Bloomingdale Senior
Center on Thursdays through March 26.
Appointments required. Call Pat
Yannacci at (973) 838-9259.
•The Reformed Church in Kinnelon
announces Precious Playtime, monthly
Saturday evening babysitting for fami-
lies of children with disabilities. Fordetailed information regarding the
babysitters qualifications and the pro-
gram specifics call 973-838-3113 or
www.reformedchurchkinnelon.org.
•Therapy Dog Reading Program at
visit our website at www.lifeandleisurenj.comMarch 25, 2015 Zone 3, Page 7
IPM: The most seriousthreats to a beautiful lawn are
weeds, disease and insects.
Because of the variety and the
diversity of appropriate treat-
ments, they are most difficult to
control. Royal Lawns provides
expert weed and pest controls,
using only Environ-ment
Protection Agency approved
materials that are scientifically
tested to be effective. Being
concerned with the environ-
ment, Royal Lawns uses only
minimal amounts where need-
ed to maintain control.
For more information or
to make an appointment to
have a healthy looking lawn
please call Royal Lawns of
America at 973-839-8483.
A SSOCIATED E YE PHYSICIANS, P. A .505 Wanaque Ave., POMPTON LAKES 973.835.1222
“We Are Clifton’s Premiere Family Eye Doctors.” 1033 Clifton Ave., CLIFTON 973.472.6405
www.njeyedoc.com
Charles D. Crowley, M.D.
and his Associates offer eyecare for the entire family,from surgery to glasses.
Most Insurances & Eye Plans Accepted
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As a little girl I loved
Easter. What’s not
to love? My sister
and I always got a new
“Easter outfit” which includ-ed a frilly dress of our choos-
ing, lacy socks, shiny new
patent leather mary janes, a
hat and even little white
gloves. No, I’m not nearing
80, that’s just the way my
mom wanted to do things.
Coloring enough eggs to
exhaust a barnyard of chick-
ens, we were artistic genius-
es. The night before the big
day we’d be filled with but-
terflies of anticipation for
the beautiful, loaded basket
that giant rabbit would drop
off in exchange for the large
carrot left as an offering of
gratitude…and yes, we
believed!
Up at dawn, we’d mar-
vel at the lovely loot
bestowed upon us and eat a
few pieces of candy before
breakfast. Church was fun
because we got to show off
our new clothes and find outhow much the Big Bunny
liked other kids.
Off to Grandma’s house
for Easter egg hunts until the
last adult finally said no
more. Aunts, uncles, cousins
and grandparents sat down to
a table laden with what we
now call comfort food.
Throughout the day we were
depleting our stash as the
marshmallow peeps, choco-
late bunnies, jelly beans and
malted milk eggs were con-
sumed.
Um…and there was
something about Jesus. Any
of this sounding familiar?
I’m not one to condemn
any tradition that results in
family togetherness and
forming sweet memories, but
perhaps there’s a better way. I
realize now that the Easter
celebration I grew up with
was all about me: my appear-ance, my stash of goodies,
and my fun day.
Honestly, it’s still all
about me…at least that’s
what Jesus would say. He
lived in our challenging,
abusive, hurt-filled world for
me. He died a brutal death,
at the hands of hateful peo-
ple for me. He defeated
death and lives on, for
me. Romans 5:8 says, “But
God demonstrates His love
for us in this: While we were
still sinners, Christ died
for us.”
For those who love the
fun family traditions like I
grew up with, maybe there
could be two days of Easter
visit our website at www.lifeandleisurenj.com March 25, 2015Page 8, Zone 3
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Easter: Is it all about me? By Diane Markins
continued on page 22
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Easter is on the way, and
practicing Christians
across the globe have
spent the Lenten season
preparing for the day when
they celebrate the resurrection
of Jesus Christ. Lent is a season
best spent in the company of
close friends and family, and
the following are a few ways for
Christians to celebrate their
faith in the weeks leading up to
Easter Sunday.
Give Easter eggs a differ-
ent meaning. Easter eggs are
popular among youngsters,
and that popularity can be
used to teach kids about their
faith. Eggs are frequently
viewed as a symbol of new life,
so parents can use them to
show their children how
Christ died and was born
anew. Eggs can be filled with
small items that symbolize
something related to Christ’s
story. Or they can be left
empty to represent the empty
tomb after His resurrection.
Eat food that conveys
Biblical stories. For Easter din-
ner, enjoy foods that are men-
tioned in the Bible. A fish din-
ner can convey the story of
how Jesus multiplied fish to
feed the crowds, or dine on
lamb and share the story of
Passover.
Participate in church
services. Throughout Lent,
many parishes offer Easter vig-
ils or specialized services that
relate the account of Jesus’ life
and subsequent death on the
cross. Some churches may
recreate realistic stations of the
Cross. Employing pageantry to
bring biblical stories to life can
help young children visualize
and better understand the
meaning of Easter.
Create a Christ-centered
Easter basket. Parents can still
fill kids’ Easter baskets with
some of the familiar confec-
tionary treats, but those parents
who impart lessons about their
faith to their kids also can
include books about the story
of Easter, rosary beads, a cruci-
fix for a child’s room, and
maybe a children’s Bible.
Make time for volunteer
work. Many families reserve
volunteerism for the Christmas
season, but Easter also marks a
great time to volunteer. In a
visit our website at www.lifeandleisurenj.comMarch 25, 2015 Zone 3, Page 9
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R RE G S T TA OI I NCreate religious Easter traditions
continued on page 22
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10/28
Every year Jewish peo-
ple celebrate Passover,
a commemoration of
the liberation of the Jews
from slavery under Egyptianleaders.
Religious texts tell that
God helped the children of
Israel escape slavery in Egypt
with the assistance of Moses
and 10 plagues. Israelites were
employed as slaves to build
new monuments to Egypt’s
far-reaching power. Moses
was the adopted brother of
the Pharaoh at the time.Moses had fled the palace
years earlier due to disillu-
sionment over his Egyptian
upbringing and his ties to the
Israelite slaves.
One evening Moses was
contacted by God via a burn-
ing bush that would not be
consumed by fire. God called
out to Moses and commis-
sioned him to lead theIsraelites out of Egypt after
hearing their pleas and wit-
nessing their suffering.
Moses asked God to
choose another for the mis-
sion, but the Lord was
adamant. Moses set out to
speak to Pharaoh, but was
unsuccessful in his efforts. It
was then that God helped
Moses’ effort by inflicting the
10 Plagues, also referred to as
the Biblical Plagues in the
Christian bible. The plagues
were designed to contrast the
overwhelming power of the
Israelite God from the impor-
tance of the Egyptian gods.
One of the plagues
occurred when God turned
the Nile River’s water into
blood. He also brought on
hordes of frogs, lice and flies.
God brought pestilence to
Egyptian livestock and then
boils to Egyptian people.
Plagues of hail, locusts and
darkness followed. When
these efforts did not produce
the freedom sought by the
Israelites, God said he would
go through Egypt and all
of the firstborn sons of
the Egyptians, including
Pharaoh’s own son, would
perish. Moses was informed to
tell the Israelites to mark
their own doors with lamb’s
blood so that the Lord would
pass over these homes and
spare the Israelites’ children
from harm.
This final plague devas-
tated the Egyptian people and
proved so horrific as to war-
rant the freedom of the
Israelite slaves. Pharaoh freed
History of Passover celebrations visit our website at www.lifeandleisurenj.com March 25, 2015Page 10, Zone 3
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continued on next page
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11/28
them, and Moses led them all
on a mass exodus from Egypt.
Passover, or Pesach, is first
mentioned in the Torah’s
account of the Exodus fromEgypt. The word “pesach” is
believed to mean “he hovered
over, guarding,” which is the
image evoked by the retelling
of the Passover story.
Today there are many
Passover traditions that date
back to early history. Jewish
people may dine on lamb or
goat meat in memory of the
lambs sacrificed. All forms of
leavened bread or leaveningagents (chametz) are avoided
as the fleeing Israelite slaves
had no leavened bread to take
with them on their journey.
Homes are cleared of all leav-
ening agents. Firstborn sons
are commanded to observe
the Fast of the Firstborn.
Passover Seder feasts are
enjoyed, and men and
women drink four cups of
wine during the meal. Homesare made Kosher for the pur-
pose of the holiday, and a
separate set of Passover dish-
es, glassware and silverware
that have never touched
chametz are used.
Games, songs and tradi-
tional readings are all part of
the Passover celebration,
which lasts for seven or eight
days depending on the area of
the world in which it is beingobserved. Historically, togeth-
er with Shavuot and Sukkot,
Passover completes the trio of
the pilgrimage festivals of the
Jewish people.
visit our website at www.lifeandleisurenj.comMarch 25, 2015 Zone 3, Page 11
History of Passover celebrations
continued from previous page
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12/28
There’s another great
debate about the feline
as a pet besides the
declawing issue. This great
debate concerns allowing the
feline to roam outdoors versus
living indoors. Should you
allow your cat to roam out-
doors? Let’s find out.
Outdoor Felines
Cats are essentially wild
creatures, and they have always
loved the outdoors. What
feline owner hasn’t watched his
cat loll in a patch of sunshine
on a winter day, or roll con-
tentedly in the dirt in its own
backyard? Cats do love the sun-
shine, the outdoors, and the
fresh air. However, outdoor cats
are susceptible to more dis-
eases, more injuries, and more
health problems.
Outdoor cats may tusslewith other cats, catch parasites
or other diseases, or be hit by a
car or caught by other preda-
tors. They can also be poisoned
by pesticides, antifreeze left
unattended or other toxins.
They can cause problems with
neighbors by using their yards
as a cat box. Outdoor cats sim-
ply aren’t as safe as indoor cats.
Indoor Felines
Indoor cats live longer,
healthier lives. Studies prove it
and common sense dictates it.
Indoor cats have many advan-
tages outdoor cats can’t hope to
have. Outdoor cats live on an
average of 3 to 5 years, while
indoor cats live an average of
12 years or more. My last
indoor cats lived to be 19 andnearly 21.
Indoor cats enjoy safety
and comfort. They are safe
from diseases that feral cats
may carry and outdoor cats
pick up. They are safe from cat
fights, cars, and predators.
And, indoor cats won’t harm
other wildlife, such as birds and
small animals.
Alternatives
There are many alterna-
tives to the outdoor lifestyle.
When kittens first come home,
they should be kept indoors. If
your cats miss their outdoor
excursions, you might try to
train them to wear a harness
and walk on a leash. They will
still be able to enjoy the out-
doors, but much more safely.Another alternative is to
create a safe outdoor area or
run where the cats can go out-
side but cannot escape the area.
There are many outdoor runs
available now that connect to a
cat door and allow the cat
access to a run on a patio or in
a backyard.
You can also allow the cat
outdoors on a patio or deck
when you are outdoors, andonly for a short time. Or, you
can use a carrier to take your
kitty for walks in the sunshine.
Keeping kitty indoors will
keep it healthy, happy, and free
of infectious diseases it might
catch outside. Each pet owner
is responsible for his own pet’s
health and well-being. Keeping
kitty inside is the choice that
makes sense.
Article courtesy of pet-
articles.blogspot.com.
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 is
located at 591 Newark Pomp-
ton Turnpike in Pompton
Plains. You can reach the hospi-
tal by calling 973-616-0400.
Indoor vs. outdoor cats
Brought to you by
Dr. Matthew Krupnick,
the owner of Pequannock Animal Hospital
visit our website at www.lifeandleisurenj.com March 25, 2015Page 12, Zone 3
Dr. Matthew Krupnick, D.V.M.
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visit our website at www.lifeandleisurenj.comMarch 25, 2015 Zone 3, Page 13
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visit our website at www.lifeandleisurenj.com March 25, 2015Page 14, Zone 3
Bottled Water
A four-year study by the Natural Resources Defense Council shows that 1/3 of the bottled water
tested contains levels of contamination which exceed allowable limits. Bottled water can alsobe slightly acidic, which may affect your body’s pH balance. Finally, the environmental impact
caused by the production and disposal of plastic bottles is harmful to our ecosystem.
Tap Water
Tap water is a healthier option than soft drinks and other beverages, but according to the
Environmental Working Group, there have been 315 pollutants found in America’s tap water
since 2004, and over half of these pollutants are completely unregulated and can legally existin any amount.
Reverse Osmosis and Distilled Water
Reverse Osmosis and Distilling are filtering processes, which removes healthy, naturally
occurring minerals in our water. These minerals not only provide good taste, they also serve a
vital function in the healthy balance of our bodies. When stripped of these minerals, this waterbecomes unnatural and an aggressive absorber. This can be quite unhealthy. Also, 2 - 3 gallonsof water are wasted for every gallon of purified water produced; again, a very negative impact
on our environment and ecosystem.
To find out what we found out, have your water
tested for free, and ask how to get your
21 day FREE trial of healthy water.
Call 201-820-2094 or go towww.HSCwater.net/health
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visit our website at www.lifeandleisurenj.comMarch 25, 2015 Zone 3, Page 15
LOCATION
246 Hamburg Turnpike,Suite 202Wayne, NJ 07470
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visit our website at www.lifeandleisurenj.com March 25, 2015Page 16, Zone 3
Butler Public Library is for any child who
wishes to practice reading aloud. Come
meet Joey a friendly, well-mannered
golden retriever who listens well. Read
the story of your choice on the followingFridays from 3:30-4:30pm, March 27,
April 10, 24, May 8, 22, June 12.
Register for this free program. Limit of 4
children each week please call 973-838-
3262, stop by the library, 1 Ace Road, or
visit www.butlerlibrary.org.
•The Bloomingdale Senior Center with
Kearny Federal Savings Bank begins its
annual year of walking program on
Wednesday, April 1 at 9am. Join a week-
ly walk and a monthly breakfast with
guest health speakers. Kearny FederalSavings Bank sponsors and provides
pedometers, shirts, breakfasts and a
December luncheon. Members are asked
to log their daily steps. To join please call
Pat 973-838-9259.
•Butler Library presents Kid’s Book Clubs.
Jr. Book Club meets Mondays at 5pm for
age 5-8, and at 6:30pm for age 8-12. We
read and discuss a story together. The ses-
sions run throughout the year. Each child
receives a free copy of the book. Parents
are required to remain in the Library dur-
ing the program. Visit our website
www.butlerlibrary.org or call 973-838-3262.
•Weekly computer assistance for begin-
ners at Butler Public Library on Tuesdays
from 11am-12pm presented by volun-
teer Paul Pilmanis. This free program is
limited to 10 participants. Please contact
the Library at 973-838-3262 or
www.butlerlibrary.org to register.
•The Circle of Friendship, a non-denomi-
national support group for the separated
and divorced, meets at 7:30pm on the
first and third Thursdays each month at
St. Mary’s Church, 17 Pompton Ave.
Pompton Lakes. For information call the
parish at 973-835-0374.•Bereavement Support Group meets on
the third Wednesday every month from
6:45-7:45pm at the Butler Public
Library, 1 Ace Road. The group is lead
by Lea Shupp, author of “No One Hears
Me Crying,” a non-fiction book about
dealing with the loss of a loved one. Lea
will speak from personal experience
with anyone dealing with a simi lar situ-
ation. Please call 973-838-3262 or stop
by the library to sign up each
month.www.butlerlibrary.org.•The Pompton Lakes Republican Club
holds public monthly meetings every
third Thursday, at the VFW Post 2906,
Wanaque Avenue. Participate in inform-
ative meetings, community outreach,
youth scholarships, and social activities.
Questions? Call 973-835-4025 or email
Community Happenings
continued from page 7
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The seasons can be
harsh on homes, and
perhaps no season is
more taxing on a home’s exte-
rior than winter. Harsh winter
weather can take a toll on
roofs, gutters, landscaping,
and just about any other part
of the home that must face the
cold head-on. The followingare a few areas of your home
that might need some help
rebounding from winter now
that spring has finally arrived.
Gutters: Gutters are vul-
nerable to winter weather, as
strong winds may blow debris
into the gutters or even blow
the gutters off of the house.
Gutters should be cleaned
prior to and immediately after
winter to ensure they’re work-
ing properly and not backing
up to the point that water can
build up and damage the roof.
Reattach any loose gutters and
clear them of any debris left
behind by winter winds.
Roof: The roof is anoth-er area of your home’s exterior
that may have been beaten
down over the winter.
Examine the roof for cracked,
missing or deformed shingles
that can allow water to enter a
home and damage its interior.
Some roof damage is visible
from the ground, but home-
owners who just endured espe-
cially harsh winters may want
to climb up on their roofs or
hire a professional to get a
closer look. Another way to
determine if the roof was dam-
aged is to go into your attic
and check for water damage
near roof trusses. Water dam-
age indicates something wentawry over the winter.
Walkways and drive-
ways: Heavy snowfall or sig-
nificant accumulation of ice
over the winter can result in
cracked or damaged walkways,
driveways and porches. Some
of this damage may have
visit our website at www.lifeandleisurenj.comMarch 25, 2015 Zone 3, Page 17
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Help your home’s exterior rebound
from harsh winter weather
continued on page 19
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visit our website at www.lifeandleisurenj.comMarch 25, 2015 Zone 3, Page 19
resulted from aggressive shov-eling or breaking up of ice.
Look for any cracks in areas
that needed shoveling over
the winter, as such cracks can
be safety hazards and may
even prove to be entry pointsinto your home for water or
critters.
Landscaping: Landscap-
ing also tends to take a hit in
areas that experience harsh
winters. Winter storms maydamage trees, which can put a
home right in the line of
falling limbs or worse. Walk
around your property to
inspect for tree damage,
removing any fallen limbs or
cutting down any limbs that
appear dead or that mighteventually prove a safety haz-
ard. In addition, check the
grass for any dead spots that
might have fallen victim to
winter freeze, and address
those spots when the time
comes to revitalize your lawn.
Appliances: When sur-veying your property after a
long winter, inspect appliances
like a central air conditioning
unit or even dryer vents to
make sure they made it
through the winter unscathed.
Such appliances may have
proven an attractive nestingspot for animals over the win-
ter, but damage can be signifi-
cant if vermin or other ani-
mals seek shelter from winter
weather inside appliances.
Call Rich Hoefling Office/Fax 973.628.7230 WAYNE, NJ
JUST HONEST, QUALITY WORK.
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Help your home’s exterior rebound from harsh winter weathercontinued from page 17
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CHEESECAKECrust
2 cups crushed shortbread cookies
(about 28 cookies)3 tablespoons butter or margarine
Filling
5 (8-ounce) packages cream
cheese, softened
1 ¾ cups sugar
2 tablespoons all-purpose flour
1 ½ teaspoons vanilla extract
4 large eggs
2 egg yolks
1/3 cup whipping cream
1 teaspoon grated lemon rind
Topping1 (16oz) container sour cream
1/3 cup sugar
Combine cookie crumbs
and butter. Press into bottom
and up sides of a greased 10-
inch springform pan.
Bake at 350° for 8 minutes.
Cool on a wire rack.
Beat cream cheese at
medium speed with a heavy-
duty electric mixer until
creamy. Gradually add 1 ¾
cups sugar, flour, and vanilla,beating until smooth. Add
eggs and egg yolks, 1 at a time,
beating just until yellow disap-
pears. Stir in whipping cream
and lemon rind. Pour in crust.
Place on a foil-lined baking
sheet.
Bake at 350° on lower
oven rack 10 minutes. Reduce
oven temperature to 325° and
bake 1 hour and 20 minutes or
until almost set. Cool on wire
rack 1 hour.Stir together sour cream
and 1/3 cup sugar; spread over
cheesecake.
Bake at 325° for 10 min-
utes. Cool on a wire rack.
Cover and chill 8 hours.
Remove sides of pan. Garnish
with strawberries if desired.
visit our website at www.lifeandleisurenj.com March 25, 2015Page 20, Zone 3
• DAILY LUNCH BUFFET
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50% Off Entire Check18% Gratuity added to total bill.Notvalid withany other offers.
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49 MAIN STREET | BLOOMINGDALE973.492.2211 | 1.888.522.Lina (5462) | www.LinasRistorante.com
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A Touch Of Italy In Bloomingdale Since 1983Fresh seafood, the finest quality meats, seasonal ingredients and a chef who ensures every course is prepared to perfection. That’s our recipe for success.
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Serv in g th e Ar ea Sinc e 1990TAKE-OUT • DINE-IN
Pizza • Mussels • Italian Dinners • Appetizers • Calzones • Hot Wings • Hot & Cold Subs
Plus Tax - Reg. $24.00
2 LargeCheese Pies
$ 19.99Plus Tax - Reg. $36.00
3 LargeCheese Pies
$28.99Plus Tax
4 LargeCheese Pies
$37.99Plus Tax
5 LargeCheese Pies
$46.99 15%OFF Any Catering
Order
Maynot becombined with anyother offer.Onecoupon pervisit. Takeout, deliveryordine-in only.
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Maynot becombined with anyother offer.Onecoupon pervisit. Takeout,delivery ordine-in only.
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$5 OFF Any Order
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$6.99$2 OFF FREE
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BUTLER12 MAIN STREET973-283-0454
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visit o r ebsite at lifeandleisurenj com March 25 2015Page 22 Zone 3
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season that focuses on the ulti-
mate sacrifice, families can
open their hearts to others.
Invite someone over for Easter
dinner who has nowhere to go.
Share your holiday celebra-
tions with a person of another
faith so that he or she may be
able to see what makes this
time of year special. Create a
service jar filled with small,
loving tasks everyone in the
family can do each day.The Lenten season,
including Easter, is the most
celebrated time of the year for
Christians. Families can enjoy
the festivities by blending
many different traditions
together and by focusing on
the spirituality of the season.
celebrations. Perhaps Good
Friday or even on Saturday,
we could spend a little time
remembering our Lord who
brought each of us so much
more than a wicker basketful
of colored sugar. We could
deliberately try to relate to
Jesus by recalling our own
(comparably shallow) experi-
ences of pain and sacrifice
for others. We could spend
some time being still, soak-
ing in God’s eternal expres-
sion of love that encom-
passed the very first Easter.
“Oh, give thanks to the
LORD! Call upon His name;
Make known His deeds
among the peoples! ...” Psalm
105:1. We could write Him a
sincere letter of thanks. We
could teach our kids to draw a
picture or use other artistic
methods to create a gift
expressing grateful hearts.
Our wonderful God
doesn’t want us to throw
away fun times or eliminate
lasting traditions or replace
them with a stiff, obligatory
religious ritual. He loves tosee us smile, hug and enjoy
treats. But I believe He’d
delight even more in the way
our spirits would respond to
an intentional interlude
basking in His presence. Not
for His sake because Easter is
all about us. www.cbn.com
visit our website at www.lifeandleisurenj.com March 25, 2015Page 22, Zone 3
F R E E
D E L I V E R Y
Ferati's PizzaNot to be combined w/any
other offer. Exp. April 30, 2015
BUY ANY 2ITALIAN STYLEDISHES OR
DINNERS ANDRECEIVE THE
3RD FREEOf Equal or Lesser Value
Ferati's PizzaNot to be combined w/any
other offer. Exp. April 30, 2015
$2 Off ANY
LARGEPIE
Toppings Extra
Ferati's PizzaNot to be combined w/any
other offer. Exp. April 30, 2015
2 LARGEPIES $1899Plus Tax • Toppings Extra
3 LARGEPIES $2799
Plus Tax • Toppings Extra
Ferati's PizzaNot to be combined w/any
other offer. Exp. April 30, 2015
Ferati's PizzaNot to be combined w/any
other offer. Exp. April 30, 2015
BUY ANY DINNER AND
RECEIVE THE2ND DINNER
50% OFF
Ferati's PizzaNot to be combined w/any
other offer. Exp. April 30, 2015
$5 Off ANY
ORDER$25 ORMORE
$4 Off ANY LG
PIE VALID ON
MON, TUE, WED, THURS
SPRING SPECIALS
Create religiousEaster traditions
Easter: Is it all about me?
continued from page 8
continued from page 9
FIND THE BEST PLACES FOR DINNER, DRINKS AND APPETIZERS
WITH FRIENDS. ONLY IN LIFE & LEISURE
TO ADVERTISECALL973.696.8008
SPRING2012
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visit our website at www.lifeandleisurenj.comMarch 25, 2015 Zone 3, Page 23
KINNELON $550,000Smoke Rise - Pamper yourself with luxury inthis deluxe, 4BR, 2+BA wooded lot CenterHall Colonial. on 1.24ACs. 3FPS 2CGar.MLS#3192198
KINNELON 973-838-9300
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KINNELON $639,000Smoke Rise - A charming air comes with this4BR, 3BA wooded lot Ranch on 1.55ACs.3CGar. 2FPS, Patio.MLS#3203034
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KINNELON $1,245,000Smoke Rise - Fulfill your dreams in this 5BR,4+BA Colonial located by a stream on 1.84acres. 3CGar., relaxing pool.MLS#3174082
KINNELON 973-838-9300
KINNELON $1,295,000Smoke Rise - Captivating 5BR, 4+BA home on2.39ACs. Indoor pool, 4FPS, full WO LL. En-tertainer’s dream.MLS#3197811
KINNELON 973-838-9300
KINNELON $2,180,000Smoke Rise - Discover classic comfort and stylein this custom 6BR, 5+BA park-area Colonial po-sitioned on 3.12ACs. 5CGar.MLS#3200849
KINNELON 973-838-9300
LINCOLN PARK $399,900Well kept 3BR 2Bth Split w/updated Kitchen,FDR, LR, cath ceil, HW fls, Fam Rm, 3rd flr loftarea, lg level yd & AG pool in nice area!MLS 3198992
WAYNE 973-694-8000
MONTVILLE $1,299,999Reward yourself with the elegance of this trulytempting 5BR, 5+BA home. Space galore. Pro-vides lovely living.MLS#1506404
KINNELON 973-838-9300
NORTH CALDWELL $680,333Enjoy luxury! New active adult comm, 2,211SF2BR 2BA unit w/FLR & DR, Designer Kit, ele-gant MBR St. + 2CGar., Pool, Tennis, Gym.MLS#3201733
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OAKLAND $329,900Great 3BR, 1.5Bth Ranch w/EIK, LR, & FDR -all with Hardwood floors, covered cedar deck,large rear yd, Basement + GAR.MLS 3174961
WAYNE 973-694-8000
POMPTON LAKES $449,000Fabulous remodeled 4BR, 2.2Bth Colonialw/Hi-End Kit/Appl, priv MBR, LR, custom cab-inet, stone fpl, Fam Rm, DR, nice yd. Conv loc.MLS 3161719.
WAYNE 973-694-8000
TOTOWA $299,900Great 3BR, 2BA Colonail w/EIK, FDR, BonusOfc Area. Lots of Potential & Possibilities, lo-cated in business district.MLS#3190815
WAYNE 973-694-8000
WAYNE $524,000Spacious 3BR, 2BA HighPoint 3,000sf end unittownhome w/HW FLRS, Hi-Ceiling, MBR,Jacuzzi, WO LL Lg Deck, Patio + 2CGar.MLS#3192520
WAYNE 973-694-8000
WAYNE $569,900Immaculate 4BR, 3.5BA Ranch w/MEIK, FDR,FR/FP, LR, Fin. BSMT, RecRm, FPL, IG Pool,Hot Tub, CA, 2CGar. & MORE in great area!MLS#3195738
WAYNE 973-694-8000
WAYNE $599,000Clean & bright 3BR, 2.5BA Ranch w/EIK, FDR,LR, FR, FP, Ofc, HW FLRs, LNDRY/MudRM, 2CGar. + lots of prkg in driveway.MLS#3197474
WAYNE 973-694-8000
WAYNE $675,000Elegantly appointed 2BR, 3.1BA Townhouse indesirable High Point. This unit is one of a kind& must be seen.MLS#3203723
KINNELON 973-838-9300
WAYNE $721,000Majestically set high in the hills surroundedby acres of untainted forestry awaits yourdream home! 5BR Colonial on a cul-de-sac.MLS#3196914
KINNELON 973-838-9300
WAYNE $740,000Beautiful 5BR, 3.5BA CH Colonial 4,000+sf To-tally Rebuilt in ‘06 w/LG GRMT Kit, FDR,FP, MBR Suite, 3CGar. + Much More!MLS#3200124
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WAYNE $1,149,000Viscaya Estates Gem! Impressive 5BR, 4BAColonial w/beautiful private park-like prop +Pool, FMRM, GRTRM, 3CGar. & Much More.MLS#3134532
WAYNE 973-694-8000
WAYNE $1,249,900Captivating 5BR, 4.2BA home w/marble foyer,architectural millwork, 2-Story Library, GRMTKit, MBR, gas FP on 1AC.MLS#3201274
WAYNE 973-694-8000
WOODLAND PARK $285,000Large 5BR, 2BA Colonial w/EIK, FDR,LndryRm, Loft Ofc, HW FLRs throughout +MORE! Near transportation, schools, restau-rants. MLS#3193132
WAYNE 973-694-8000
KINNELON $475,000Move right into this spacious 3BR, 2.1BARaised Ranch on over 4Acres of beautiful prop-erty with a pond overlooking the woods. 2 CarGar. Many updates. MLS #3204642
KINNELON 973-838-9300
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Century 21 Crest Real
Estate is proud of
Gina’s accomplish-
ments. Her professionalism and
great attitude makes her a true
asset to our award-winning
team,” said Patricia R.
Wojtyszyn, Century 21 Crest
Real Estate Broker/Owner.Gina has been in real estate
since 2004. She is an
Accredited Buyer Representa-
tive, Certified Negotiations
Expert, and Certified in Short
Sales and Foreclosures. Gina
was raised in Butler, has resided
in Riverdale for the past 15
years, and handles real estate
transactions in Morris, Passaic,Sussex and Bergen Counties.
For more information on how
to put Gina’s expertise to work
for you, she can be reached at
201-970-2319.
visit our website at www.lifeandleisurenj.com ,g ,
SAFEWAY VAN LINES Professional Moving Service
Since 1952
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Make Your Next Move a Safe One
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MOVING
Century 21 Crest Real Estate announced Regina “Gina” Petry
Awarded NJAR Circle of Excellence Bronze Award 2014“
Hal Maxwell, president
of Coldwell Banker
Residential Brokerage
in New Jersey and Rockland
County, New York, is pleasedto announce that The Cindy
Gallagher Team, which is affil-
iated with Coldwell Banker
Residential Brokerage in
Kinnelon, ranked No. 18 for
gross commission income
(GCI) and No. 16 for total
units sold in 2014, placing
them among the Top 20 teams
in the company.
Additionally, the team
achieved the Coldwell Banker
International President’s Circle
Team Award, which honors the
top 19 percent of approximate-
ly 2,500 Coldwell Banker sales
associate teams in the U.S. andCanada.
Cindy Gallagher, the
leader of the team, received a
number of awards for 2014
including the NJAR® Circle
of Excellence Sales Award®
at the uppermost Platinum
Level and the NJAR®
Distinguished Sales Club®
Award, both from New Jersey
Realtors.® Real estate agents
who achieve NJAR®
Distinguished Sales Club®
recognition have attained the
NJAR® Circle of Excellence
Sales Award® for 10 years.
Gallagher was also recognizedby the 2014 REAL Trends
Best Real Estate Agents in
America list as being among
the top real estate agents in
New Jersey.
“I am excited to congrat-
ulate The Cindy Gallagher
Team on yet another remark-
able year in the real estate
business. Their expertise and
dedication to their clients’
satisfaction place them at the
top of the industry in New
Jersey and worldwide,” said
Maxwell.
A Coldwell Banker
Previews Property Specialist,Gallagher is expertly trained in
marketing luxury homes to
affluent buyers worldwide. She
is also a Certified New Home
Specialist, a Certified Resi-
dential Marketing Specialist, a
Certified Residential Specialist
and a Certified Relocation
Professional. Gallagher is pro-
fessionally trained in home
decorating, and often assists
sellers with decorating and
staging their homes to generate
buyer interest.
Gallagher is a member of
the National Association of
Realtors, New Jersey Real-tors®, the Passaic County
Board of Realtors, the Garden
State Multiple Listing Service
and the New Jersey Multiple
Listing Service. Prior to real
estate, she was the marketing
manager of northern New
Jersey’s largest wholesale tire
company.
For more information about
buying or selling a home in
Morris and Passaic counties,
contact Cindy Gallagher at
973-838-9300, on her cell
phone at 973-714-3897 or by
email at [email protected]. The Cold-
well Banker Residential Broker-
age office is located at 1450
Route 23 North in Butler. List-
ings can be viewed at Coldwell-
BankerMoves.com/Kinnelon
and KinnelonRealty.com.
The Cindy Gallagher team ranks among top 20 Coldwell
Banker Residential Brokerage Teams
visit our website at www.lifeandleisurenj.comMarch 25, 2015 Zone 3, Page 25
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j g
License #: NJ09980558654 ©2015 CENTURY 21 REAL ESTATE LLC. CENTURY 21® is a trademark licensed to Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each office is independently owned and operated.All information deemed reliable but not guaranteed. Prices subject to change. If your property is currently listed with a real estate broker please disregard this offer.
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 February 27, 2015. Terms for Condos listed above are subject to meeting
Fannie Mae Guidelines. This information is not to be considered a commitment to lend. Programs and terms are subject to change 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
PEQUANNOCK $314,900$1,167 PER MONTH
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3.75/3.868% APRRanch Wow Just Listed!3 BR, 1BA, 1 CAR GAR
POMPTON PLAINS $499,900$1,852 PER MONTH
3.75/3.817% APRFall In Love!
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JEFFERSON $600,000$2,257 PER MONTH
3.875/3.934%APRCustom Built Colonial!4 BR, 3 BA, 2 CAR GAR
LINCOLN PARK $289,321$1,072 PER MONTH
3.75/3.854% APRDeer Run Townhome!
2 BR, 2.1 BA
LINCOLN PARK $319,900$1,185 PER MONTH
3.75/3.845% APRSkyline Village Townhome!2 BR, 2.1 BA, 1 CAR GAR
MONTVILLE $489,000$1,812 PER MONTH
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COLLEEN MCMAHONCircle of ExcellenceGold-Level 2014
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Listings Agent for the Month of Feb
142 Route 23 NorthPompton Plains, NJ 07444
AWARD-WINNING CENTURION® OFFICESMARTER. BOLDER. FASTER.
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BUTLER $319,900
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CLIFTON $349,000$1,293 PER MONTH
3.75/3.839% APRCommuter’s Delight!
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3 BR, 2 BA, 2 CAR GAR
WAYNE $464,900$1,722 PER MONTH
3.75/3.820% APRLrg Ranch W/Basement Suite!
4 BR, 3 BA, 2 CAR GAR
WEST MILFORD $140,000$519 PER MONTH
3.75/3.950% APRLog Cabin
2 BR, 1 BA
WEST MILFORD $329,321$1,220 PER MONTH
3.75/3.843% APRNew Construction!
2 BR, 2.1 BA, 2 CAR GAR
WEST MILFORD $335,000$1,241 PER MONTH
3.75/3.842% APRRoom For All!
4 BR, 2.1 BA
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0051 AUTOMO-BILES WANTED
WE BUY CARS !WE BUY TRUCKS !
RONNIE’S IN WAYNE973-616-7900
WE PAY FORJUNK CARS
973-220-0202
Help Wanted F/T, P/TCashier, Office Ass’t,
Loading zone, nursery& Greenhouse work.
Stop in, fill out an appli-cation at GroRite, 30
Hillview Rd.Lincoln Pk
Part Time $12. to $15.per hr. Knowledge ofQuick Books, familiar with Real Estate.Gen.office work. Call Carol
973-785-4341
0655 SERVICESCARPET
G&S Carpet Clean-ing & Floor Service
Residential& Commercial973-839-6436
0684SER.COMM/RESI.
CLEAN
Aida’s Cleani ngService
Serving North
JerseyHome or Office
Experienced, Reliableand Detailed. SpeaksEnglish & PortugueseReference AvailableCall 908-764-8966
Mariya’s CleaningService