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Shomrei Torah and

Temple Beth Tikvah

are sponsoring a High

Holiday non-perishable food

and basic necessities drive

allowing the Wayne Interfaith

Network (WIN) and other

local charities to help allevi-

ate ongoing hunger and

need in Wayne

Township. They will

be joining conserva-

tive and reform con-

gregations through-

out the United States

in a national effort to

fight hunger and help those

less fortunate. This year, Rosh

Hashanah will take place

from sundown Sunday,

September 13 through

Tuesday, September 15 and

Yom Kippur will begin at sun-

down Tuesday, September

22 through Wednesday,

September 23. Donations may

be dropped off at either loca-

tion, Shomrei Torah: 30

Hinchman Ave, Wayne or

Temple Beth Tikvah: 950

Preakness Ave, Wayne during

the weekdays leading up to

and between these Holy

Days.

The following items are

especially helpful: hot and

cold cereal, canned protein

(Chef Boyardee products with

meat, beef stew, canned

chicken, tuna, salmon, etc.)

rice, canned vegetables,

canned fruit, juice, cooking

oil, ketchup, mustard, mayon-

naise, canned tomatoes and

pasta sauce, mac and cheese,

pancake mix and syrup,

peanut butter, jelly or jam,

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

September 2, 2015

Zone 1, Vol. 13 No. 16

We are a Family, Friendly Publication

Wayne

Two Wayne congregations collect for the needy

continued on page 6 13

F R E E F i n a n c i a l W o r k s h o p , S E E F l y e r I n s i d e .

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visit our website at www.lifeandleisurenj.com September 2, 2015Page 2, Zone 1

NOTE: To have your group’s announce-

ment appear in Community Happenings,

please e-mail your paragraph [email protected].

SEPT 11

•The public is invited to the Annual

Nine Eleven Public Servants Mass at

12pm on September 11 at

Annunciation Church, 45 Urban Club

Road, Wayne. Started in 2002 by

Father Louis Scurti, it honored the

public servants of WPUNJ, Wayne,

Haledon, North Haledon, the Passaic

County Sheriff’s office, including

police, firefighters, EMT’s, paramedics

and public officials. Father Scurti will

be the celebrant of the Mass and Msgr.

Peter Doody will be the homilist. Music

will be p rovided by WPUNJ, along wit h

the Gospel Choir of Straight and

Narrow, Paterson. For further infor-

mation, contact Father Scurti at 973-

981-5003.

SEPT 19

•Mother’s Market, sponsored by the

Packanack Lake Mother’s Club, 52 LakeDrive West, Wayne on Saturday,

September 19 from 10am-3pm. This is

the ideal place to purchase new and

gently used children’s and maternity

clothing, toys, high chairs, strollers, fur-

niture, and a wide variety of other

household items. There will also be a

fall bake sale with delicious seasonal

treats.

SEPT 21

•Family Promise of Passaic County has

partnered with Black Bear Golf Club to

provide a crisp autumn day of golfing,

and a buffet dinner. Monday,

September 21 will be our third annual

golf outing to help us fulfill our motto

of building community, strengthening

lives and keeping families together.

Join us for a fun day of golf, food, and

prizes, and help us serve the homeless

families of Passaic County. All pro-

ceeds benefit the homeless parents

and children of Family Promise ofPassaic County. For information call

Ken Tanis at 201-310-1832 or email

at familypromise [email protected].

•Push to Walk will host its 8th Annual

Charity Golf Outing honoring David F.

Miller of Simontacchi, Miller and

DeAngelis, at The Knoll West Country

Club, Knoll & Greenbank Road,

Parsippany on Monday, September

21.The outing begins with registration

and lunch at 11am. The price of $225

includes all greens fees, lunch, dinner

and prizes. After September 6 fee is

$250. All registrations will be handled

on a first come first served basis with

payment. The deadline to register is

September 14. Register online by

clicking on the event banner at

www.p usht owal knj. org or call

Stephanie Lajam at 862-200-5848 for

more information.

Around the

Community…

•Family Promise of Passaic County Dine

and Donate event. Wouldn’t it be great

if 20% of the price you paid for your

meal went directly to Family Promise of

Passaic County? Please dine at Thatcher

McGhee’s, 6 Wanaque Ave. in Pompton

Lakes on Monday, September 7 through

Thursda y, Septemb er 10. Family

Promise of Passaic County will receive

20% of the sales. A flyer must be pre-

sented in order for Family Promise of

Passaic County to receive the credit.

Please contact familypromise

[email protected] or facebook.com/

FamilyPromisePC to request a flyer.

Family Promise of Passaic County is

people of faith working together to pro-

vide homeless families with help for

today and hope for tomorrow.

•Calvary Temple’s various support

groups can guide you through life.Every Thursday at 7pm the meetings

include: anger management, single par-

enting, grief share, marriage builders,

men’s pure life dealing with pornogra-

phy, and post abortion group. Veteran’s

Support meets every Monday at 7pm.

For more information contact Reverend

Dee Verhagen at 973-694-2938, 1111

Preakness Avenue, Wayne.

•Sunshine Prosthetics & Orthotics of

Wayne will host an Amputee Support

Group the first Wednesday of every

month in their facility at 1700 Route 23

North, Suite 180 from 6-8pm. The

group will be led by Brooke Artesi, CPO,

owner of Sunshine Prosthetics and

Orthotics. For more information, call

973-696-8100.

•The Community Food Box Program is

at St. Michael’s Episcopal Church, 1219

Ratzer Road. The boxes contain a selec-tion of quality frozen food you can pick

up, at very inexpensive prices. There

are 8 different selections for purchase.

For a menu call 973-956-8554.

•Professional musicians and vocalists of

the Wayne Seniors Swing Band will per-

form for your dancing and listening

pleasure on the third Tuesday of each

month. Performances are from 12:30-

2:30pm at the Wayne Elks Lodge, 50

Hinchman Ave. Requested donation for

Wayne Elks and Wayne Adult

Community Center members $2.

Donation for non-members $3. Light

refreshments served. For information

call 973-633-0734.

•The Riverview Garden Club, based in

Wayne encourages local area residents

who are int erested in gardening and in

expanding their botanical knowledge to

become club members. Novice as well

as experienced gardeners are welcome.

Monthly meetings feature educationallectures and excursions throughout the

year. For more information, please call

our membership chairperson Linda

Wescott 973-694-1098 or send an

email to: [email protected].

You can also visit our web site at

www.riverviewgardenclub.com.

•Visiting Angels in association with The

Alzheimer’s Foundation of America is

offering free year round memory

screenings. Confidential screenings are

held from 2-4pm every thirdWednesday of each month. Call for your

appointment 973-839-3761. All screen-

ings are held at the Visiting Angels

office at 2190 Hamburg Turnpike,

Wayne.

•The Golden Age Circle of Wayne, Inc.

(GACW) is a non-profit senior group

that meets every Thursday at 1pm in

the PAL Building, 1 PAL Drive, Wayne. Trips, special speakers, and bingo are

some of the activities. To join you must

be a Wayne resident and at least 50

years of age. Yearly dues are $7. For

information, call Val Turner at 973-694-

5094.

•Jewish Family Service of North Jersey

is offering Kosher Meals on Wheels pro-

gram in Wayne. The Meals on Wheels

Program provides hot, nutritious kosher

meals to those people who are unable

to cook or shop, due to disability or age.

Drivers needed to deliver meals. To vol-

unteer or to request meals, call Paul

Klein at 973-595-0111.

•The Morning Minyan, a group of car-

ing people dedicated to observing the

tradition of daily prayer, meets at

7:30am in the sanctuary of Temple Beth

Tikvah, 950 Preakness Avenue, Wayne.

A light breakfast follows a 15-20

minute prayer service. All welcome.

•The Pines Lake Woman’s Club is opento women from Wayne. The club meets

monthly on the second Wednesday of

the month at the Pines Lake Elementary

School cafeteria at 7:30pm. Visitors are

welcome. The club offers fun, friend-

ship, and service. For information call

973-835-3272 or e-mail www.pines

[email protected].

•Spa 23 Health & Racquet Club in

Wayne offers birthday parties and spe-

cial events for all ages. Kids will have

the time of their lives at Spa 23 parties!In addition to our pool parties, choose a

theme party, or add a theme to your

pool party. Theme parties are available

seven days a week. Pool parties are

available Fridays, Saturdays, and

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: Janice McCulleni

Art Director: Robin BantaSales: Lisa Buniewski, George Papendick, Cristina Sidoti, Kathleen Todd,Denise Wirsing

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. © 2015 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.

continued on page 6

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Today, it is universally

accepted, that a secure

retirement will require

a nest-egg of multiple millions

of dollars for Millennials who

intend to one day live off the

rate of return their retirement

portfolio generates. It is my

firm belief that people in their

twenties or early thirties today

will require $10,000,000 as a

base portfolio required to gen-

erate the income necessary to

live when they reach normal

retirement age. As I have stat-

ed in this publication before,

the target age for a full Social

Security check is misleading,

with postponement likely to at

least age 75 by the time thecurrent 20 and 30 somethings

reach their 6th decade of life.

Today, based on the CPI,

Consumer Price Index, a dol-

lar is worth 85% less than

compared to 1967 when the

CPI began, or just 15¢. This

means that a 25 year old in

1967 with a goal to accumu-

late $1,000,000 in 45 years,

would now need $6,736,190 to

have the same purchasing

power in 1967 dollars. In other

words, a million dollars, after

45 years of identical inflation,

would only be worth

$150,000! By the same token,

$10,000,000 is needed in 45

years to have the same pur-

chasing power as $1,500,000

in 2015 dollars. Assuming a

5% withdrawal rate, a personof 25 today will need to be a

deca-millionaire to have an

annual income in today’s dol-

lars of around $75,000.

In January of 2012, when

I was 50, my father passed

away at the age of 76; we were

only 26 years apart and unfor-

tunately he was uninsurable

for decades due to a myriad of

medical reasons. Had this not

been the case, I could have

guaranteed myself and family a

multi-million dollar payday.

You see, we all have the

choice to invest capital in

some known vehicle with an

unknown rate of return, hold-

ing our breath for the ultimate

outcome, a retirement portfo-

lio like a 401k or an IRA. Or

we could guarantee our finan-

cial futures by buying a multi-million life insurance policy

on Dad, Mom or a substitute

insured, like one of their

brothers or sisters. It’s true that

we do not know when they

will die, nor do we want to

know. We only know that they

indeed will die and if a policy

is in force, there will be that 6

or 7 figure pay-off to the bene-

ficiaries. Depending on the

age and health of the insured,

the premium figures can easily

be determined and compared

to the investment alternatives

available. You would be hard

pressed to find a properly

designed life insurance policy

that could not easily out-per-

form the same premium dol-

lars invested into the S+P 500,

the Dow Jones Industrial

Average or a myriad of other

choices, at the death of theinsured. In my case, I had the

annual dollars to make such a

life policy investment, but

could not, due to the health

issues of both of my parents

and neither had siblings.

However, for the rest of the

insurable public, the under-

writing process may merely be

an inconvenience. And

remember, IRA’s and 401k’s

income and death benefits are

taxable, life insurance death

benefits are not!

If I had been fortunate

enough to have been able to

insure my Dad for $1,000,000

and be responsible enough to

pay the annual premiums for

the last 20 years, today I would

have another $1,000,000 tax-

free, added to my net worth. If

he were still alive, the cashvalue of the policy would still

be mine and useable before his

demise. There is no shame or

embarrassment in this tech-

nique to create wealth or a

retirement plan for oneself.

Everyone dies and the insur-

ance companies make a profit

selling life insurance to the

people who purchase it, even-

tually to receive a payout from

it. This folks is a guaranteed

retirement plan; the only

thing the purchaser/beneficia-

ry doesn’t know is when he or

she will collect on it. Seventy-

six is too young an age to die,

that is without question and

50 is too young an age to col-

lect on a father’s life insurance

policy. But, if we were to

increase both of our ages to 86

and 60 or 96 and 70 respec-tively, both parties would have

ended up winning, Dad with a

longer life, and his son with a

more secure and robust retire-

ment nest-egg based upon the

additional years of retirement

plan accumulations and the

ultimate death benefit from

the policy.

Though I could not

insure my parents, I did insure

myself for millions of dollars

for the benefit of my wife’s

retirement security as well as

for my children’s inheritance.

Interest-ingly enough, my

policies are uniquely designed

to benefit me for living too,

providing me with a tax-free

income during my retirement

years. This type of plan is so

simple to understand and easyto implement, everyone

should do it. Write, call or

email me to ask about a plan

specifically designed for your

budget and circumstances that

will provide a living benefit for

you, a retirement income for

your spouse and a legacy for

your kids. It would be my

pleasure to produce a proposal

for all who simply ask me for

one, free of charge.

Mark E. Charnet is President

and Founder of American Pros-

perity Group. APG is the Pre-

mier Retirement and Estate

Planning Franchise in the Unit-

ed States with 19 offices in 10states. Mr. Charnet has over

thirty years of experience in the

Retirement and Estate Planning

fields. Creator of the Trinity

Method of Investing©, Mark

encourages your inquiries and

can be reached at

973-831-4424 or via email,

[email protected]

Check out our website:

www.1APG.com Interested in

a career in retirement and estate

planning? Check out this web-

site: www.APGFranchise.com

*Guarantees are based on the

claims paying ability of the insur-

ance company selected. Securi-

ties through: United Planners

Financial Services, A limited

partnership. Member SIPC,

FINRA and a Registered Invest-

ment Advisor. APG is located

at: 901 Route 23 South 2nd floor, Pompton Plains, NJ in the

Lakeland Bank and Pediatri-

Care building.

Guaranteed multi-million dollar retirement payday By Mark Charnet

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Sundays. You can also book the entire

club for your own private event! The

spa is located at 381 Route 23 in

Pompton Plains. Contact Spa 23’s pro-gram director, Laura Severance, at

973-839-8823. View more informa-

tion online at www.spa23.com.

•An open invitation to all seniors to

join the Golden Key of Wayne. Enjoy

fellowship, fun, holiday parties,

games and trips. The Golden Key Club

meets Fridays from 1-3pm at the Post

174 American Legion building, 55

Mountain View Blvd., Wayne. For

information call Annette Ford at 973-

628-0492.

•The MOMS Club of Wayne is looking

for members. The group offers month-

ly socials, group activities, outings,

play group opportunities, mom’s night

and community service projects. For

information e-mail momsofwayne@

yahoo.com or go to www.meet

up.com/moms-club-of-wayne.

toilet paper, paper towels, tis-

sues, napkins, cleaning prod-

ucts, and personal care prod-

ucts (shampoo, toothpaste,etc.) All food donations

should be non-perishable.

Donated items should be

regular sizes, not super sizes

and in non-glass containers.

Please check expiration dates.

Monetary donations are also

welcome payable to the

Wayne Interfaith Network.

The Wayne Interfaith

Network (WIN) is a non-

profit, tax-exempt organiza-

tion that operates a pantry for

Wayne area citizens. The

WIN volunteers come from

churches, synagogues, and

other organizations through-

out Wayne. The Social

Action Committee of Temple

Beth Tikvah coordinates its

“High Holiday Project” and

Shomrei Torah works

under the auspices of its

“Operation Isaiah.”

Those interested in

assisting in this effort maycontact Shomrei Torah at

973-696-2500 office@shomrei

torahwcc.org or Temple Beth

Tikvah or 973-595-6565

[email protected].


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Two Wayne congregations collect forthe needycontinued from page 1

CommunityHappeningscontinued from page 2

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shopping near the end of sum-

mer or the beginning of fall may

seem a little early, but early shoppers often find that starting earlier

affords them more time to find the right gifts at the right prices. Early

shoppers can comparison shop without the specter of the fast-approach-

ing holiday hanging over their heads, and comparison shopping helps

consumers feel more confident that they are getting the best deals pos-sible. Starting early with regard to holiday shopping also allows shoppers

avoid the financial crunch that shoppers who wait until the holiday sea-

son begins often feel. Spreading out spending over several months as

opposed to the handful of weeks between Thanksgiving and Christmas is

a great way for shoppers to avoid buying too many gifts on credit, which

can make for a penny-pinching start to the new year when bills come due

in early- to mid-January.

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Did you know? A recent study authored by education and

psychology experts in Australia suggests

that kids are spending far more time look-

ing at screens than the two hours recom-

mended by the American Academy of

Pediatrics. Published in the journal BMC

Public Health in early 2015, the study sur-

veyed more than 2,600 Australian stu-

dents between the ages of 8 and 16 to determine how much

screen-based media use, or SBMU, kids were averaging each day.

SBMU included television viewing, computer usage and video

game playing. The study determined that 45 percent of 8-year-olds

and 80 percent of 16-year-olds were exceeding the recommended

two hours of screen time per day.

The First Day of School

I wonder if my drawing wil l be as good as theirs

I wonder if they'll like me, or just be full of stares

I wonder if my teacher will look like mom or gram

And I wonder i f my puppy w il l wonder where I am.

~Aileen Fisher

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School day mornings can

be hectic, as getting kids

ready for school and out

the door on time is not always

easy. Working parents may find

school day mornings especially

difficult, as their own work

schedules can make mornings

feel even more rushed.

Fortunately, parents can

employ several strategies to free

up time in the morning so

everyone starts their days off in

a more relaxing atmosphere.

Wake up earlier. Sleep

might seem like a precious

commodity, but waking up just

10 to 15 minutes earlier can

remove some of the stress from

weekday mornings without

costing you a lot of sack time.

Let kids sleep in until their nor-

mal wakeup time, using your

extra 10 or 15 minutes to show-

er or enjoy your morning cup of

coffee before the house is abuzz

with activity.

Tackle certain chores the

night before. Delaying certain

chores until you wake up makes

for a hectic morning, so tackle

as many morning chores as pos-

sible before you go to bed for

the night. Prepare school

lunches, lay clothes out for

yourself and your children, and

make sure kids have their back-

packs packed and ready to go

before they go to bed. Each of

these things may only take a

few minutes, but when left for

the morning, they can add up

to a substantial amount of time.

Encourage youngsters to

pick up the pace. Some people

are morning people, while oth-

ers dread setting their alarms

for early morning hours. Kids

who fall into the latter group

may drag their feet in the

morning, but parents should

offer encouragement when kids

are moving slowly in the morn-

ing. Allowing your frustration

to show may only make kids

less fond of mornings, so

remind them as nicely as possi-

ble that everyone has a sched-

ule to stick to if they seem to be

dragging their feet.

Keep the television off. If

watching the television is

ingrained in your morning rou-

tine, try going a few days with-

out it to see if this makes it eas-

ier to get out the door on time.

Kids might grow distracted by

morning cartoons, and even

adults may get caught up in

morning news shows or other

forecasts. Eliminating televi-

sion from your morning routine

can save time and also may

help your family grow closer, as

you will have more distraction-

free time to speak to one

another. In addition to turning

off the television, resist the

urge to turn on your devices or

scan work emails when getting

ready in the morning.

Parents know that school

day mornings can be hectic.

But there are several ways to

make such mornings go more

smoothly so everyone gets

where they need to be on time.

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Linda D’Amico’s

Academy of Dance is

about to embark on

their 39th year of operation!

They are so thrilled and hum-

bled to open their doors to the

local dancers and share their

love of dance with the com-

munity! With adorable Pre-K

and Kinder ballerinas, beauti-

ful recreational terpsichore-

an’s, and fierce national award

winning competitors, LDAD

is so incredibly proud of the

progress their dancers have

made over the years. Their

dedication to their craft and

passion shows through their

performances on stage, and

the studio takes absolute pride

in the fact that this is more

than just a place to come and

learn new dance steps.

LDAD is a place where

lifetime friendships are made,

confidence is built, bound-

aries are pushed, and where

coordination, strength, grace,

and agility are nurtured to cre-

ate headstrong charismatic

young adults equipped with

life lessons needed to take on

life’s journey no matter where

it takes them.

After an incredible year

of volunteer performances at

nursing homes, talent shows,

Christmas parties, musical

theatre shows, summer dance

camps, and adrenaline pump-

ing regional and national

competitions, LDAD is excit-

ed to invite you to share their

39th year of dance with them.

You may register by phone

973-616-0300, email-

[email protected],

or online at www.linda

dance.com. Stay caught up

with LDAD’s most current

adventures on our Facebook

and Instagram pages

@Ldadancers.

Open House Registration

September 1, 2 and 3 from

9:30am to 12pm and

5pm to 8pm.

As Mrs. D’Amico always said:

“If you can dream it, you can

achieve it.”


Academy of Dance celebrates their 39th yearand opens their doors to the local community

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Sports leagues, after-

school clubs and other

extracurricular activities

enjoyed by children and their

parents would not be possible

without the volunteer efforts of

fellow parents and other adults.

Very often an entire commit-

tee of volunteers gathers to

make a sports team or group

successful, and much of their

work is being done behind the

scenes.

Managing a recreational

group is no small undertaking.

Such an endeavor requires the

patience and perseverance of

volunteers ready to juggle a

variety of tasks. While in the

past there may have been fewresources to aid in such tasks,

today's technology makes it

easier to handle the responsi-

bilities that come with manag-

ing a team. The vast array of

apps available for smartphones,

tablets and other devices can

alleviate some of the work for

recreational group managers.

The following are just a hand-

ful of applications league man-

agers can consider to coordi-nate efforts across the board.

•Team Snap: Team Snap is

one of the premier team and

club management services

available (www.teamsnap.

com). This software helps any-

one, even those with little or

no website design experience,

run a team, league or other

organization online. The team

is managed by a team owner

who can choose free services or

a tiered payment plan depend-

ing on the option that owner

chooses. Team members are

invited to join free, where they

can message other players,

check calendars and even get

text message alerts.

•Team Pages: Having a cur-

rent and well-designed website

can encourage others to be

more involved and invested in

a particular team or league.

However, sometimes getting a

website up and running can be

challenging, particularly to the

novice designer. With Team

Pages (www.teampages.com),

anyone can create a sport- or

club-themed website and have

it live in a manner of minutes.

Drop and drag layout design

options makes creating multi-

ple pages even easier, and thereis a calendar option for keeping

track of games and other meet-

ings.

•Active: Active (www.active.

com) is the leader in online

event registrations, from

marathons to softball leagues.

Visitors can search for various

activity-inspired events nearby

and learn more about sports

leagues for children and adults.

In addition, the site featuresinformative articles on nutri-

tion, player improvement tips,

medical information, and

much more as it pertains to

activities.

•League Athletics: This tool

(www.leagueathletics.com)

mixes team website design

with league management and

registration. It also enables

others to follow a team's

progress while broadcasting

scores and schedules. Custom

design options enable flexible

and easy layout in a matter of

days.

•Scoutlander: Scoutlander

(www.scoutlander.com) hosts

and manages troops, packs and

dens associated with the Boy

Scouts and Girl Scouts. Thesite is free, though voluntary

donations are used to further

the development of the site.

Scout leaders can inform par-

ents of upcoming meetings or

events. Separation of public

and private areas of a troop's

site enable password-protected

information to stay private.

•Google Sites: In addition to

the scores of other website cre-

ation software available at no-


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12/28

Cats and dogs are the

two most popular

types of pets in the

country, and while dogs have

been dubbed “man’s best

friend,” cat owners are quite

vocal when expressing their

love for their feline friends.

Those looking for a cat

may not have to look far. The

ASPCA says approximately

7.6 million companion ani-

mals enter animal shelters

nationwide every year, and

roughly 3.4 million of those

are cats. An area shelter is an

ideal place to find a new pet

for those thinking of getting

their first cat or adding to the

pets already in the household.

Cats can be purchased from

pet stores, but they also may

be available via friends or

family members who have

recently welcomed a new lit-

ter.

Before bringing your cat

home, it is best to make sure

you and members of your

household are prepared to

welcome a furry feline friendinto your home.

Is everyone ready for the

responsibility? Pets are a big

responsibility, and all mem-

bers of the household should

be ready and willing to pitch

in and care for pets. Divide

duties based on age and physi-

cal ability. If a member of the

family doesn’t support the

decision to get a cat, this

might not be the right time to

do so.

Find the right match in a

pet. Temperament can play a

role in how well a cat fits in

with your family. A cat that is

fearful and skittish may not be

the best match for a family

with young, active children.

Special-needs cats may be bet-

ter for adult-only homes or for

people who can devote the

extra time needed to properly

care for the animal.

Designate a cat-friendly

spot in your home. A new cat

may need some time before he

or she acclimates to a new

environment. To facilitate

this process, designate a room

or area in the house for yourcat. This should be a low-traf-

fic spot. Keep a litter box and

food and water bowls nearby.

Stock up on your sup-

plies. Cats will need various

pet supplies to be comfortable

and healthy. For the time

being, use the same products

the cat had at the shelter or

pet store, which can create a

sense of familiarity that makes

cats more comfortable in their

new homes. Over time, you

can transition slowly to new

supplies, including:

- litter box and litter material

- food

- food and water bowls- scratching posts

- interactive toys and solo toys

- brushes and other grooming

supplies

- sturdy cat carriers

Find the right veterinari-

an. Select a veterinarian

whom you trust and makes


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Things to do before bringing a new cat home


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or low-cost, Google Sites

(sites.google.com) is a compo-

nent of Google services,

including Gmail and Googlecalendars. All of these Google

facets can work together and

be linked to a single Google

account. This presents a viable

way for clubs and teams to not

only build impressive websites

but also stay connected

through email and calendar

updates.

Modern technology has

developed even more ways tokeep sports teams and

extracurricular clubs organized.

A variety of applications and

websites can help any organiza-

tion look and feel tech-savvy.


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Manage teams, clubs and leagues in adigital worldcontinued from page 11

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19/28


may cut prices in mid- to late-autumn as they look to earn a

bit more money before the

arrival of winter.

Snow removal

Retailers looking to

move snow blowers, shovels

and other winter accessories

may offer teaser deals to

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purchase such tools now

before the first big storm

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Circa 2011. Jim was a

friend. A lazy friend.

One day Jim, who

used to work for me, came by

the office to pay a visit. You

see Jim was a nice guy, just

lazy. (Did I point that out

already?) On this particular

visit we were talking about

the state of my company and Imentioned how I really need-

ed one more salesperson.

After a few seconds he said,

“Why don’t you hire me?”

Once the shock of what he

said wore off I decided to ask

him one simple question,

“Would you hire you?”

Without hesitation he smiled

and said, NO.

The good news is he

knew himself well, at least

when it came to his work

ethic. The bad news is that

while he knew this truth, he

did nothing to change it.

Think about it…

Do you live in a comfort

zone? One that repels change?

If so let me tell you there is a

brave new world out there.

One that will make us feel

comfortable and move us to

action and ultimately change.

After awhile, the comfort

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you feel comfortable. Have

your cat examined by the vet

and discuss any questions or

concerns you may have. A vetmay be able to install a

microchip in your cat for

identification purposes as

well.

Safe-proof your home.

Cats can be curious, and many

will want to investigate rooms

throughout your house. To

protect curious cats, keep

cleaning products and other

chemicals locked away and

secure electric wires with cordcontainment devices. Know

which houseplants are toxic

and, if you don’t discard them,

make sure they cannot be

reached by cats.

Cats make wonderful

pets. Bringing a new cat home

often requires taking certain

steps to ensure your furry

friend is comfortable in his or

her new home.

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.


Things to do before bringing a new cathomecontinued from page 12

Would you hire you?Picture this...

i i b i lif dl i jS b 2 2015 Z 1 P 21

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Calzones provide a fun

and tasty alternative

to pizza. Home cooks

who want to think outside the

pizza box can consider the fol-

lowing recipe for “Whole-

Wheat Spinach Ricotta

Calzones” from “Clean Eating

for Busy Families” (Fair

Winds) from author Michael

Dudash, R.D.

Whole-Wheat Spinach

Ricotta Calzones

Serves 7

For the dough:

1 ½ cups warm water (105 F to

110 F)

1 ¾ ounce envelope quick-acting

dry yeast

2 cups unbleached white whole-

wheat flour, plus additional for

dusting

2 cups unbleached bread flour

¼ cup extra-virgin olive oil,

divided

1 ½ teaspoons salt

1 ½ teaspoons Italian herb sea-

soning

Olive oil spray

For the filling:

1 tablespoon extra-virgin olive

oil

1- 8-ounce package crimini

(baby bella) mushrooms, finely

chopped

4 cups lightly packed babyspinach, finely chopped

2 teaspoons minced garlic

½ cup soft goat cheese

1 cup whole milk ricotta cheese

¼ cup grated Parmesan cheese

½ cup basil leaves, chopped

small

¼ cup drained sun-dried toma-

toes in oil, chopped

1 tablespoon flaxseed meal

¼ teaspoon salt

¼ teaspoon freshly ground black pepper

For serving:

1 1/3 cups marinara sauce

To make the dough:

Pour the water into the

bowl of a stand mixer fitted

with a dough hook, sprinkle

in the yeast, and let it sit for 5

minutes. Add the flours, 3

tablespoons of oil, and salt

and seasoning; mix for 10

minutes on medium-low

speed until the dough is elas-

tic in consistency. Cover the

bowl tightly with plastic wrapand place it in a warm area

until the dough doubles in

size, about 90 minutes. If you

don’t have a warm area in

your kitchen, heat the oven to

200 F. Turn off the oven and

wait 5 minutes before placing

the dough in the oven to

proof.

Once the dough has

risen, punch down. Coat a

large sheet pan (or 2 medium

sheets) with olive oil spray,

shape the dough into 7 equal

balls, cover, and let rest for 15

minutes.

To make the filling:

Heat a large frying pan

over medium heat and add oil.

When the oil begins to shim-

mer, add mushrooms and

sauté for 3 minutes; add

spinach and garlic and cook

until water releases and evap-

orates. Remove pan from heat

and stir in the goat cheese.

Add ricotta, Parmesan cheese,

basil, tomatoes, flaxseed meal,

salt, and pepper and stir.

Transfer to a container andchill.

To assemble a calzone:

Preheat oven to 500 F.

Dust the counter, rolling pin,

and a dough ball with flour.

Flatten the dough into a 5-

inch circle, rotating after

every few rolls Place 1/3 cup

of filling on the front half of

the dough, leaving ½ inch

around the border. Fold the

dough over until the edges

meet, forming a half-moon.

Fold over ½-inch. Press the

edges with your fingers to seal

and score lightly with a fork.

Gently, but quickly, transfer

the calzone back to the sheet

pan. Repeat this process with

the remaining dough and fill-

ing. Brush the calzones with 1

tablespoon of oil and using

the kitchen shears, cut four ½

-inch slits into the tops of

each. Bake on the middle rack

until lightly golden on top

and bottom, 15 to 18 minutes.

Complement with warm

marinara sauce when serving.

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Apartment living has

its advantages.

Without a mortgage

to pay, many apartment

dwellers feel more free than

homeowners who still have

decades of payments left

before they can pay off their

homes. And when apartments

need fixing, such responsibili-

ties fall on the shoulders of

the landlord instead of the

tenants.But apartment living has

its downsides as well, most

notably that apartments are

often much less spacious than

homes. Cramped quarters can

make apartment living

uncomfortable, but there are

ways apartment dwellers can

make even the most confined

living spaces seem roomier.

Clear the clutter. The

easiest and perhaps most

effective way to conquer

cramped living quarters is to

remove clutter and work dili-

gently to avoid its accumula-

tion once it’s gone. Only buy

new furnishings when you

need them to replace existing

items, and resist the urge to

treat dressers, coffee tables

and dining areas as storageareas for junk you won’t use or

mail you have not opened.

Purchase some multi-

purpose furniture. Multi-pur-

pose furniture, such as storage

ottomans or bedroom benches

that include storage areas for

bed linens or bath towels, can

be an apartment dweller’s best

friend. When buying a new

bed frame, look for one that

has built-in storage drawers so

you have even more space to

store bedding and other items.

Such pieces add both aesthet-

ic appeal and serve practical

purposes for apartment

dwellers with limited closet

space.

Wall-mount your televi-

sion. While today’s televisions

are nowhere near as bulky as

their predecessors from decades

past, many apartment dwellers

still place their televisions atop

bulky television stands. But

you can create more space in

your entertainment room by

wall-mounting your television.

Renters may be hesitant to

mount their televisions for fearof losing a substantial chunk of

their deposits, but the majority

of today’s mounts won’t do

much more harm to the walls

than more traditional wall

hangings.

Make use of your vertical

space. Shelving units and

bookcases can be great allies

to apartment dwellers because

these items make use of an

apartment’s vertical space.Many apartment dwellers

underutilize their vertical

be discounted on such week-

ends, and you also may find

discounts on power tools.

Vehicles

If you are in the market

for a new SUV or truck to

transport your home improve-

ment project supplies, autumn

is a good time to visit a dealer-

ship. Many dealerships liqui-

date their inventory in

autumn to free up space for

new model releases about to

hit the market. Come

autumn, you may find it easier

to negotiate financing and

leasing deals.

Homeowners can save

on home improvement proj-

ects and other needs by taking

advantage of late-summer,

early-autumn discounts.

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continued from page 19

How to handle cramped quarters



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jp g

Renting out a home is a

great way for home-

owners to earn some

extra income. Some homeown-

ers rent their homes in an

attempt to wait out a sagging

housing market, while others

see renting their homes as a

long-term commitment to

their financial futures.

Being a landlord has its

advantages and disadvantages,

and the decision to rent out a

home is one that homeowners

should not take lightly. The

following are a handful of fac-

tors homeowners should con-

sider as they try to decide if

renting out their homes is the

right move for them.

TimeBeing a landlord is a

24/7/365 commitment, as ten-

ants will expect their landlords

to be on call at all times.

Tenants will call their land-

lords should plumbing fixtures

suddenly burst in the middle of

the night, and landlords must

be available to answer such

calls no matter how inconven-

ient they become. If you are

not willing or able to devote

the time necessary to tend to

tenant needs, then being a

landlord may not be for you.

Maintenance

Whereas homeowners

may be able to delay making

certain repairs in the homes

where they lay their heads,

such a luxury is not afforded

when they are renting out theirother properties. Repairs and

maintenance of rental proper-

ties cannot be put on the back

burner while you save money

to fix them. In addition, if even

minor repairs typically pose a

problem for you, you may soon

discover that hiring a handy-

man or discounting rent for

live-in supers is cutting into

your profits or making it diffi-

cult to pay bills. Before decid-

ing to rent out your home,

determine the potential costs

of maintaining a second prop-

erty and use that information

to decide if renting the proper-

ty is a sound financial invest-

ment or one that might put you

in the red.

Tenants

Many people who haverented have a horror story or

two about an absentee or indif-

ferent landlord, but landlords

also have their own such stories

about nightmare tenants.

When mulling whether or not

to rent out your home, consid-

er who your prospective ten-

ants will be and if your commu-

nity will supply the steady

stream of renters you will need

to pay your mortgage and bills

without jeopardizing your

finances. The last things first-

time or even experienced land-

lords want are tenants who

cannot pay their rent and/or

those who are disrespectful of

their neighbors and their land-

lords, so it’s best to give ample

consideration to your potential

pool of renters before decidingto rent out your home.

Help

Many landlords work with

local real estate agencies or

property management firms

who will do much of the leg-

work with regard to finding

tenants and maintaining prop-

erties. Research the cost of

such help to determine if you

can afford it and still make

renting your home financially

viable.

Attorney fees are another

cost prospective landlords must

consider. Landlord-tenant laws

can be difficult to decipher for

first-time landlords, so it helps

to have an attorney who can

help you decipher these laws

and how they should govern

your actions as a landlord. Butattorneys are not inexpensive,

and they must be worked into

your budget as well.

Renting a home is a great

way to earn extra income, but

homeowners must consider a

host of factors before putting

their homes up for rent.

Factors to consider before renting out your home


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space, but items that go up

instead of out can create more

room in an apartment and

allow homeowners to keep

items they may otherwise

have to discard.

Reconsider your work

space. Men and women who

work from home may find

their work spaces take up con-

siderable chunks of their

apartments. But how many

items in your work space do

you still need? Many profes-

sionals no longer print docu-

ments, so if you still have

space allotted for printers you

might be able to redo such

areas without affecting your

workday. In addition, large

desks were once sought after

because they made perfect

homes for desktop computers.

But if you now use a laptop or

tablet when working from

home, you likely don’t need as

much desk space as you once

did. Downsizing to a smaller

desk and work area can open

up a substantial amount of

space without affecting your

ability to work from home.

Smaller living quarters

are a disadvantage to apart-

ment living, but you can take

several steps to make your liv-

ing spaces less cramped.

How to handle cramped quarters

continued from page 24

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