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As a homeowner, you can

never lose by adding anew kitchen or bath.

Of course, theres the obvious

dividend by increasing the over-

all value of the home. But Stone

Interiors places an even higher

priority in the value that a new

kitchen or bath will add to your

life.

Stone Interiors in Boonton

produces beautiful granite

counter tops for your kitchen

and bath. The store recentlyadded a new showroom of

kitchen and bathroom cabinetry,

making it a complete one-stop

shop.

Owner Gim Gallo has 12

years experience selling and

installing beautiful granite

counter tops to homes in the tri-

state area. He has owned and

operated Stone Interiors for thepast seven years.

I enjoy working with my

customers from the beginning of

their project to its completion,

he said. When my customers

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Most families spend a large

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the kitchen. Remodeling or

adding an entire new kitchen is

an investment that will increase

your familys enjoyment of yourhome. Stone Interiors will not

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years to come.

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

September 4, 2013

Zone 2, Vol. 11, No. 17

We are a Family, Friendly Publication

FALL HOMEIMPROVEMENT

TIME

Increase value and enjoyment with a

kitchen by Stone Interiors

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NOTE: To have your groups announce-ment appear in Community Happenings,

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

SEPT 7

Suburban Womans club is having aWelcome Back Brunch on Saturday,Sept 7 at the Senior House in PomptonPlains from 10am-12pm RVSP bySeptember 4. Call Janice Moran at

973-694-7856 or e-mail [email protected]. Invitation is open to allwomen who are interested in learning

of the clubs activities or becoming mem-bers. Reservations only.

SEPT 10

The monthly Chamber info/luncheon

will be held at The Bonefish Grill, 28 Rt.46W, Pine Brook on Tuesday, September10 from 12-2pm. $20.00 for non-mem-bers & $25.00 for non-members. MayorTim Braden will be the speaker. For moreinformation or to register online pleasego to the Chamber website www.montvil-lechamber.org. PayPal is now accepted orcall the Chamber office 973-263-3310.Family Promise will be hosting a firstannual golf outing & banquet onMonday, September 23,. Help us help

children and families that are facinghomelessn ess in our community. The

outing and banquet will take place atBlack Bear Golf Club on Rt 23 Franklin,

NJ. $165.00 per person for golf & din-ner. $65.00 per person for dinner.Come join us for day and evening offun! For information call Ken Tanis 201-310-1832, or email [email protected], before September 9.

SEPT 15

American Legion post 242 will have apancake, eggs & sausage breakfast onSunday, September 15 at the post hall700 Turnpike, Pompton Plains, from 9

AM to 12 Noon. Blueberry pancakes areavailable. $6.00 at the door.

SEPT 22

The Montville Township Womens Club

will be hosting Ne lsons Treasure Questpresented by noted author and explor-er, Nelson Jecas. This fund raisingevent will be held on Monday,

September 22 at 2 pm at the MontvilleSenior House located at 356 MainRoad, Montville, next to the PublicSafety building. Refreshments will beserved. Anyone who brings on itemthat can be included in a Kozy Kit fora homeless family will receive $5.00off your entrance ticket. Suggested

items include a pillow, small blanket,towels, socks, slippers, or small stuffedanimal. The ticket price is $15.00. Foradditional information, call June at973-714-1145 or Alexandria at 973-405-0888.

SEPT 24

The Montville Township Chamber of

Commerce is hosting its 1st Women-to-Women Chamber Networking Breakfaston Tuesday, September 24 at theMunicipal Bldg. 195 Changebridge Road,Montville, Lobby Conference Roomfrom 8:30-10:00am. ComplimentaryContinental Breakfast served. AndreaWasser-Malmud, MSW,CCBT,CFS, ChiefProfessional Service Officer, NewBridge

Services, Inc. will speak about the Work-Life Challenges women face daily. Pleaseinvite other women business associates

and friends. Register online atwww.montvillechamber or call theChamber office at 973-263-3310.

SEPT 27

Montville Reformed Church Womens

Guild is hosting an Apple Festival onFriday Night September 27 from 6:30-

8pm. Come enjoy our wonderfully deli-cious Apple Crisp served with Vanilla IceCream and beverage. After dinner comefor your dessert or if your dinners goingto be late, then stop in for your take outdessert. Dont forget to stop by ourBake Sale table for desserts you cantake home and enjoy. MontvilleReformed Church, Church Lane,Montville. For information call Ruth973-263-0530.

Around theCommunity...True Vine Christian Center, located at99 Two Bridges Road in Lincoln Park

visit our website at www.lifeandleisurenj.com September 4, 2013Page 2, Zone 2

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

Lincoln Park, NJ 07035 973.696.8008

Publisher: Joe Pellegrino Editors: Bethanne Pellegrino & Kenneth Nicholas Art Director: Robin Banta Graphics: Mary Lalama

Sales: Lisa Buniewski, George Papendick, Classifieds: Kathleen Todd

Please e-mail all press releases and calendar information to [email protected] or fax to 973.556.1991.

Advertising in Life & Leisure is affordable and effective. We are a family friendly publication and therefore reserve the right to accept only

advertisements that appeal to the entire family; the final determination of which is made by the 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. 2013 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.

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When I was a young

and impressionable

20-year-old, people

much older and wiser told me

that the recipe for success was

hard work and long hours.

Other people I respected told

me that education was the key

to financial independence.

Armed with this information, Iset out to become a millionaire

and to achieve champagne

wishes and caviar dreams. I

can still hear Robin Leachs

thick, polished British accent

resonating in my head like it

was yesterday, even though

Lifestyles of the Rich and

Famous has been off the air for

about 18 years!

Other axioms I heard

were: Fake it till you make it,We become what we think

about and the most famous

one from Napoleon Hill,

What the mind of man can

conceive and believe, it can

achieve. Those statements

became my battle cries and call

to action! I was going to

believe it, then achieve it,

while faking making it and

working long, hard hours at

multiple jobs, gaining a practi-

cal education as well as a for-

mal one on my way to financial

greatness. I was On fire and

climbing higher!

Then it hit me: if hard

work was the key to financialindependence, then all of the

sanitation workers and heavy

construction guys would be the

highest paid people in the land.

If education was key, then all of

the college professors would be

on top. If contemplating and

imagining your way to financial

independence was the answer,

then it would be the philoso-

phers and great thinkers. Alas,

we know that none of theseprofessions offers a guaranteed

path to millions of dollars.

So was I misled? Lied to?

Or did I just not get it? I truly

dont believe that the people

sharing their messages and

thought processes with me

were lying. They really were

speaking from their hearts, and

they were all correct. But they

had left out one important

ingredient from the recipe to

success: discipline.

You must have the disci-

pline to live below your means,

saving and investing

the difference. You

must have the disci-pline to work harder

and longer, especially

when you are exhaust-

ed and feel that you

cannot take another

step. You must have

the discipline to realize

that the educational

process never ends

with a degree or desig-

nation; the letters after

your name merely openthe door for an

enhanced understand-

ing of the subject mat-

ter, so you can delve

into it even further.

There is no one single

method to success. There are

many integral components

applied alongside discipline.

Take, for example, F.C.A. It

stands for focus, concentrate

and attack. Focus all your

efforts, strength and thoughts.

Concentrate on that which you

wish to accomplish, then

attack the goal without short-

sightedness or distraction. Its

imperative to create a series of

simultaneous goals that you

can F.C.A. all at the same

time. When one goal is accom-

plished, rapidly replace it with

another goal!

Financial independence,

however you define it, can be

accomplished one dollar at a

time if you never lose

sight of the finish line.

To run a marathon,you must first master

running the length of

one block. To accumu-

late $10 million, you

must first have a goal

to accumulate $1,000.

When you count your

first $1,000, you can

figure out how to accu-

mulate $100,000: sim-

ply do it again about

another 80 times. Theother $20,000 will

come from the com-

pounded return on the

80 percent with no

additional effort from you.

Repeat this routine about

another eight times and you

will be 80 percent to a cool $1

million. The 20 percent short-

fall will take care of itself once

more. This will put you 10 per-

cent toward your original goal

to accumulate $10 million.

Continue to F.C.A. and intime, with a little good fortune,

you will realize your goal.

Most people cannot con-

ceptualize a $10 million

account with their name on it

and herein lies the problem.

All of us have the capacity to

see $10,000. When that is in

the bank we can visualize

$100,000 because we are

already 10 percent of the way

there. Repetitive positiveinvesting and investor behav-

ior is another key to financial

independence.

Discipline was a missing

ingredient from the recipe. But

also important are F.C.A. and

the 7 Ps: Proper Prior


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offers a food pantry which is open everysecond & fourth Wednesday of themonth. Remaining 2013 dates are asfollows: September 11 & 25, October 9

& 23, November 13 & 27, December 11& 19 (this is the third Wednesday since

the forth is Christmas Day). The hoursare from 5:30-6:45pm. It is for familiesthat are in need.The Barn Theatre in Montville, NewJersey is proud to open its 86thAnniversary Season with Ira Levinschilling thriller Veronicas Room.

Performances will be on September 6,14, 20, 21, 27 and 28 at 8pm; andon September 7, 8, 15 and 22 at 2pm.Tickets are $18 (senior/student ticketsare $16 on matinees only).The BarnTheatre is located on Skyline Drive inMontville, NJ, just minutes off Exit 47

from Route 287. For more reservations,information or directions, call The BarnTheatre box office at 973-334-9320, orvisit The Barn on the web atwww.barntheatre.orgOn Wednesday, September 18, the

Mark your calendar

for Saturday, Sept.

28. Its the 22nd

Annual Lincoln Park Day

Festival, organized by theLincoln Park Day Assoc-

iation. There will be a full

schedule of fun, food, arts

and crafts, entertainment

and bounce houses, all locat-

ed on Main Street, Chapel

Hill Road and Borough Field

at the Municipal Complex.

Funds raised through the

festivities support a variety of

community improvement

activities, such as youth pro-grams, veterans services, the

First Aid Squad and our sig-

nature college scholarship

program encouraging volun-

teerism.

Volunteers are alwayswelcome and vendor space is

still available. Please visit

the Lincoln Park Day

Associations website at

www.lincolnparkday.org for

more information or to print

out flea market contracts.

Come support your com-

munity and celebrate a day of

fun with your neighbors and

friends. The rain date is

Sunday, Sept. 29.


Lincoln Park

celebrates 22ndannual festival

Community Happenings

continued from page 2

continued on page 8

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Lincoln Park Library will be hosting aprogram with local childrens bookauthor Gail Kahn-Wallis! Gail has writ-ten three picture books about a seal

named Lucas who lives in Cape Cod. Gailwill be signing copies of her book, whichwill be available for purchase. Readingwith Ruby will be held on Wednesday,

September 11 at 4:30pm. The LegoClub will meet on Thursday, September

26 from 6:007:30pm. There are threestorytime sessions available at theLibrary: Toddler Time (ages 2-3,Tuesdays at 11am); Storytime! (ages 4-6, Tuesdays at 4:30pm); Rhyme Time(ages 6-20 months, September 19 & 26at 10:30am). On Wednesday,September 25, drop in any time

between 4:30 and 5:30pm for Make it

Yourself, a special craft program. Moredetailed information on all of the

Librarys programs can be found on ourwebsite: www.lincolnparklibrary.org.Ladies, come and relax and find inspi-ration, renew your faith, and beempowered. Come to our 11th annualWomens Retreat and be uplifted and godeeper with solid Bible teaching andcompelling messages. Friday, Sept-ember 20 at 7 pm and Saturday,September 21 from 9am-3pm at First


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Reformed Church 60 Chapel Hill Road,Lincoln Park. Via DVD the followingWomen of Faith speakers are: PatsyClairmont, Angie Smith, Sheila Walsh, &

Marilyn Meberg. Angela DiPrima willjoin us again to lead us in song. A com-plimentary luncheon will be served atchurch on Saturday. There is no chargefor the retreat, but a free-will offeringwill be received. Please register by call-ing Barbara at 973-839-6384 or onlineat www.frc-lpnj.orgMontville UNICO Foundation is pre-senting its annual cultural celebration tothe local area - San Gennaro Festival/Carnival at 90 Horseneck Road,Montville (behind the public library).Festivities will begin September 5-8.Hours: Thursday at 6pm-10pm, Friday6pm-11pm, Saturday 12-11pm, and

Sunday 12-6pm. Parking is availableon site. This is a family event with theproceeds going to continue our over 20year funding of educational grants,

community services, disease research,aiding the disabled, holiday donationsof food, gifts and clothing, and muchmore. Major sponsor: Lakeland Bank.See our website www.montvilleunico.org.Whether you are still suffering fromthe bleak memories of war or haveresolved to put it all behind you, PointMan Ministries is for you. Point Man is aChristian ministry dedicated to helping

veterans find peace with themselves andthe world around them. If you are doingfine after the war, thats fantastic butdont forget about your buddies who arestill suffering. Find out how you canhelp. Call Barry Jensen at 973-809-9665. Point Man Ministries meets thefirst Thursday of every month from7:30 9:30pm at Cornerstone Chapel620 Route 23 North, Pompton Plains.The Montville Township Womens Clubhas an ongoing project: comfort pil-lows for breast cancer patients. A team


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T

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prepared foods, so be sure to

always read the nutrition label.

6.Frozen or canned fruits and

veggies are okay. Remember

that frozen fruits and vegetables

have the same vitamins and

minerals in them. This knowl-

edge makes keeping the

kitchen stocked with choles-

terol- and blood pressure-low-

ering foods a little easier.

Choose unsalted or unsweet-

ened varieties when possible.

Sonia Scott is the owner of Dor-

son Home Care, a full-service

home health care agency provid-

ing families throughout northern

and central New Jersey with

compassionate home care services

since 1989. For more informa-

tion, call 973-672-7691 or visit

www.dorsonhomecare.com.


Anju Budhwani, MDINTERNAL MEDICINE ASSOCIATES of

Lincoln Park

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Pet owners go to great

lengths to treat their pets

like members of the fam-

ily. The days of dog houses in

the backyard are largely a thing

of the past, and many pet own-

ers are more careful about what

they feed their four-legged

friends, placing a greater

emphasis on a nutritious diet

that promotes pet health.

Being a proactive pet

owner also means taking pre-

ventive measures to protect

your pets. This includes learn-

ing about rabies, which can

also help protect members of

your household and your com-

munity. Pet owners who learn

about rabies, including its caus-

es and symptoms, are better

equipped to recognize a rabid

animal, and will know to keep

their pets and their children

indoors until its safe to go out-

side.

Rabies is an infectious dis-

ease that can spread from ani-

mals to humans. When an ani-

mal has rabies, the virus travels

through the nerves inside the

brain, where it reproduces and

then travels back through the

nerves to most parts of the

body, including the salivary

glands. When the rabies virus

reaches the salivary glands,

brain damage has likely

occurred and the virus has

infected the saliva, where it can

enter a persons body through a

bite or broken skin.

Humans who contracted

the rabies virus in the past did

so after being bitten by a dog.

However, the Centers for

Disease Control and Preven-

tion note that more and more

causes of human rabies have

been linked to bats and rac-

coons. The Canadian Centre

for Occupational Health and

Safety notes that among

domestic animals, dogs account

for between two and six per-

cent of rabies infections, while

cats are responsible for between

one and two-and-a-half per-

cent of rabies cases. Thanks in

large part to the rabies vaccina-

tion, there have not been any

reports of rabies caused by dog

bites in the U.S. in years.

Rabies can appear in ani-

mals in various ways. When an

animal has furious rabies, it

will change behavior, grow

restless, wander aimlessly and

bite any animals, people or

objects that get in its way

before eventually becoming

paralyzed in its throat and hind

legs. Once that occurs, the ani-

mal will most likely die.

Some animals with

rabies, however, will not

become violent. These ani-

mals will change their behav-

ior, which may become with-

drawn or more affectionate.

Animals may try to hide and

will find it difficult to swallow.

Their behavior will not

become violent, and they are

likely to die after a few days.

The CCOHS notes that

cats infected with the rabies

virus typically become

extremely vicious, while dogs

also become excitable and

may become vicious and bite

for no reason.

Though rare, human

beings can be infected with the

rabies virus. Drooling, convul-

sions, exaggerated sensations or

pain at the bite site, loss of feel-

ing in an area of the body, loss

of muscle function and difficul-

ty swallowing are a few of the

symptoms humans

may exhibit when

infected with the

rabies virus.

Should humans

or their pets be bitten

by an animal, they

should try to gather as

much information as

possible about the

biter and contact animal con-

trol so the animal can be safely

captured to determine if it has

rabies. If there is a risk of rabies,

humans will be given a series of

doses of a preventive vaccine

and a treatment called human

rabies immunoglobulin, or

HRIG, which is administered

the day the bite occurred. Vets

will often quarantine a bitten

pet that has received the rabies

vaccine prior just to monitor

behavior and be safe.

If you are bitten by an ani-

mal, report the incident right

away and contact your physi-

cian immediately. Its also good

to do so if you havent been bit-

ten but were exposed to a bat,

fox or skunk, all of which can

carry the rabies virus.

Incidences of rabies have

dropped dramatically in recent

years, but pet owners should

still take a proactive and pre-

ventive approach to protect

themselves, their loved ones

and their pets.

Brought to you by Dr. Matthew

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According to a new sur-

vey of more than

2,000 Americans

conducted by Coldwell Banker

Real Estate and leading psy-

chotherapist Dr. Robi Ludwig,

Americans dont see eye to eye

about the appropriate amount

of time for adults to live with

parents after college. The sur-

vey found that Americans ages

55 and older think it is accept-

able for adults to live at home

with their parents for as long as

three years, while those ages

1834 feel it is acceptable for

adults to live at home with

their parents for as long as five

years.

Parents Not Ready to Let Go?

Parents as a whole, and

particularly those who are

younger, may be driving the

trend of adults living at home

for a longer period of time.

According to the survey, mil-

lennial parents (ages 18 34)

are fine with grown children

living at home for up to five

years after college, while older

parents (ages 55 and older)

believe they should be out of

the house within three years of

finishing college.

In terms of transitioning

into independent adulthood,

its almost as if 27 is the new

18, said Dr. Ludwig, who also

serves as lifestyle correspon-

dent for Coldwell Banker Real

Estate, LLC. Living at home

can be a great opportunity for

young adults who need some

time to get on their feet, but

its only beneficial if the time is

used wisely. Our twenties are a

very crucial time because the

decisions we make and the les-

sons we learn then influence

who we become as adults.

The Two Extremes of

Boomerang Kids

Dr. Ludwig explains there

are two extremes when analyz-

ing the behaviors of adult chil-

dren living at home: those who

regress, delaying their develop-

ment into independent adults,

and those who are able to con-

tinue their transition into full

adulthood by living at home

with a purpose.

In either case, the accept-

ance of adults living at home

has its limits. According to the

survey, more than two in three

Americans (70 percent) be-

lieve that too many adults liv-

ing at home with their parents

are avoiding responsibility, and

nearly an equal proportion (65

percent) believe too many

young adults who live at home

after finishing college are over-

staying their welcome.

Additional Survey Findings

Its not for everybody.

While Americans are largely

accepting of this living

arrangement, the survey

revealed that nearly one in

seven Americans (13 per-

cent) believe adults should

never live at home with their

parents.

Living at home affects

mom and dad. More than half

of Americans (57 percent)

believe that when children

return home after graduating

from college, it prevents their

parents from moving on with

their lives.

Living at home with a

purpose: Four in five

Americans (80 percent) be-

lieve that its okay for adult

children to live at home if they

are saving money to buy their

own home.

Advice for Parents

When children return

to the nest, Dr. Ludwig rec-

ommends parents establish

and enforce expectations

that will help their adult

children thrive.

Give adult children

responsibility: 92 percent of

Americans agree that adult

children who live at home

with their parents should do

their own chores.

Dont let them live free

of charge: 82 percent of

Americans feel that adult chil-

dren living at home should

pay rent.

Set a target end date:

Close to two in three (65 per-

cent) Americans agree that

adult children who live with

their parents should move out

as soon as they find a job.

The economy may be a


Americans disagree: how long is too long to live with parents?


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reason to move home tem-

porarily, but you cant let the

state of the economy get in

the way of living your life,

said Dr. Ludwig. The key to

deciding if this living situa-

tion is right for parents, chil-

dren and families is figuring

out whether or not it will help

the child develop and thrive.

Adult children and their par-

ents should use the time at

home to move forward and

grow, rather than regress and

risk becoming perma-children

or perma-parents.

How Times are Changing

However long they stay at

home, boomerang kids are

changing the traditional

lifestyle milestones for buying

and selling homes impact-

ing themselves as first-time

home-buyers and their down-

sizing parents alike.

A generation or two ago,

young adults would tradition-

ally graduate from college, rent

for a time and then buy their

first home. Their parents

would eventually downsize,

and it was less acceptable for

young adults to move home,

said Budge Huskey, president

and chief executive officer of

Coldwell Banker Real Estate,

LLC. As a real estate brand,

we wanted to better under-

stand the behaviors of the

younger generation, particular-

ly boomerang kids, and how

their lifestyle choices were

influencing the way consumers

view homeownership.

A video summary of the

findings, and the feelings of a

family with a recent college

graduate living at home, is

viewable on the Coldwell

Banker YouTube channel On

Location.

Methodology

This survey was conduct-

ed online within the U.S. by

Harris Interactive on behalf of

CooperKatz from June 1317,

2013 among 2,021 U.S. adult

adults ages 18 and older,

among whom 888 are parents,

467 are parents of children less

than 18 years old and 494 are

parents of children 18 years of

age or older. This online survey

is not based on a probability

sample and therefore no esti-

mate of theoretical sampling

error can be calculated.

Since 1906, the Coldwell

Banker organization has been a

premier provider of full-service

residential and commercial

real estate. Coldwell Banker is

the oldest national real estate

brand in the United States and

today has a network of more

than 82,000 sales agents work-

ing in approximately 3,100

offices in 51 countries and ter-

ritories. The Coldwell Banker

brand is known for creating

innovative consumer services

as recently seen by being the

first national real estate brand

to create an iPad application

and the first to fully harness

the power of video in real

estate listings, news and infor-

mation through its Coldwell

Banker On Location

YouTube channel. The

Coldwell Banker system is a

leader in specialty markets

such as resort, new homes and

luxury properties through its

Coldwell Banker Previews

International marketing pro-

gram. Coldwell Banker Real

Estate, LLC fully supports the

principles of the Fair Housing

Act and the Equal

Opportunity Act. Each office

is independently owned and

operated. Coldwell Banker is a

subsidiary of Realogy Holdings

Corp. (NYSE: RLGY), a glob-

al leader in real estate franchis-

ing and provider of real estate

brokerage, relocation and set-

tlement services.


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Americans disagree: how long is too long to live with parents?


i it b it t lif dl i jSeptember 4 2013 Zone 2 Page 17

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Are you depressed,

despairing, or con-

vinced there is no way

out of a difficult situation or

health crisis? Dr. Jim Henry,

D.Min., founder and president

of the Life Givers Network, has

years of experience helping

people and families devastated

by life-threatening or life-alter-

ing illnesses, and he can help

you gain a fresh perspective on

how to handle your crisis

whatever it may be.

Jims time-tested work-

shop Steps to Extraordinary

Living can help you and your

loved ones. The next workshop

will be offered Saturday, Sept.

14 at Calvary Temple in

Wayne.

Many members of Jims

family have battled various

cancers and other major dis-

eases, so Jim knows firsthand

how illness can impact a family.

As soon as the doctor delivers

the news of a significant illness,

seeds of hopelessness, anxi-

ety, fear, loss, pain and despair

are scattered in the minds and

hearts of patients and family

members alike. Those seeds

seek to take root, grow and

dominate.

But those negative emo-

tions dont have to win.

Patients and their fami-

lies need to know they are not

alone. Statistics for 2013 indi-

cate that every day in our

nation an estimated 4,383

people are diagnosed with

some form of cancer. An addi-

tional 9,589 Americans learn

they have heart disease, multi-

ple sclerosis, Parkinsons dis-

ease, Alzheimers, or some

other major illness. Thats

13,972 people daily whose

lives will never be the same

due to a significant, life-

threatening, life-altering ill-

ness. Countless others, friends

and family of those who learn

they are seriously ill, begin a

journey of suffering as well.

Many people are finding

help from the principles pre-

sented in Steps to

Extraordinary Living. During

the workshop, Jim and others

from the Life Givers Network

help people gain new insight

and a fresh perspective on truly

difficult issues. These people

are helped by Jims principles of

early, intentional, life-oriented,

people-focused intervention.

Joe Battaglia, president of

Renaissance Communica-

tions, who has known Jim for

many years, said: Jims work is

not just inspiring or motiva-

tional, its transformational.

The workshop will equip

you for positive action in nega-

tive situations. Jim and Life

Givers offer the tools necessary

to see your health or life crisis

as a new beginning, rather than

the painful beginning of the

end. Jim can also help you

maintain faith in the midst of

heart-wrenching questions

about God and the reality of

your suffering.

God really does want you

to have life and have it more

abundantly, Jim said. Even

when the circumstances are

screaming otherwise, I want

you to know what to do, what

to say, and how to avoid the

negative emotions that want to

take over and rule your life at

times like these.

Joy Twillie, M.D, a psychi-

atrist from Nashville, TN, said,

I had the honor of attending

one of Jims Life Givers

Network workshops and imme-

diately saw how the book and

program provide a bridge

between the spiritual and the

physical. Jim offers physicians a

way to help patients that wont

contradict the medical treat-

ments they are receiving.

Let Jim show you how to

move from devastation to

extraordinary living. The work-

shop will be held in the sanctu-

ary of Calvary Temple, 1111

Preakness Ave in Wayne on

Saturday Sept. 14 from

9am1pm. Early registration

and more information can

be found at www.tlgn.org.Registration on the day of the

event begins at 8:30am. If you

have questions, please contact

the Life Givers Network at

201-670-0031 or write to LifeGivers, P.O. Box 110, Midland

Park, NJ 07432.


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Steps to Extraordinary Living comes to Calvary Temple

visit our website at www lifeandleisurenj com September 4, 2013Page 18, Zone 2

7/30/2019 221657_1377859260Sep 4 2013 Z2 LOW REZ

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of club members, seniors, and volun-

teers from surrounding cities partici-pates in this worthy project. Even heart

surgery patients have found use forthese comfort pillows. Call Chairperson

Alexandria Sarra at 973-405-0088 formore information. All monetary dona-

tions, used to purchase polyfill for thepillows, should be made payable to

MTWC and should indicate Comfort


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Call to schedule acomplimentary consultation:

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Pillow in the memo. Please mail checksto P.O. Box 267, Montville, NJ 07045.Mothers & More is a not-for-profitgroup for both stay-at-home and work-

ing moms. It features monthly meet-ings, playgroups, mom-and-tot outings,mom-night-outs, and much more.Members are from Wayne and all sur-rounding towns. Monthly meetings are

on the first Monday of each month(unless a holiday) at 7:30pm at OurSavior Lutheran Church, 670 NewarkPompton Turnpike, Pompton Plains.

Lincoln Park Savings

Bank announced today

that David C. Dixon,

Esq. has been appointed as a

member of the Board of

Directors of the Savings

Bank and of Lincoln Park

Bancorp.

Dixon is a partner with

Feeney & Dixon, LLP,Counselors at Law, located in

Pompton Plains. He has

served as general corporate

counsel for Lincoln Park

Savings Bank since

September 1999.

He has served as munic-

ipal attorney for the Borough

of Lincoln Park from 1999 to

2006. He also served as the

boroughs municipal prosecu-

tor from 1986 to 2001.Dixon is admitted to

practice before the Superior

Court of NJ, the U.S.

District Court for the District

of NJ, the U.S. Court of

Appeals for the Third Circuit

and the District Court of the

District of Columbia.

He is a member of

the Morris County Bar

Association and the NJ Bar

Association. He is a former

member of the Morris

County Municipal Prose-

cutors Association and the

NJ Insti tute of Munic ipal

Attorneys.

Dixon is a member ofthe Pequannock Valley

Chamber of Commerce, a

former member and past

president of the Pequannock

Valley Rotary Club, a former

member and past president of

the Pequannock Township

High School Band Parents

Association and an honorary

member of the Lincoln Park

P.B.A.

Lincoln Park Savings

Bank is a full-service savings

bank serving the local com-munities of Lincoln Park,

Montville, Pequannock and

Wayne since 1923.

Subway has become

famous worldwide for

serving a variety of

healthy subs and salads made

from freshly baked bread and

fresh ingredients. Some of its

menu options have even been

sanctioned by the American

Heart Association. The

restaurant is known for mak-

ing all sandwiches and salads

exactly to taste, right in frontof the customers.

Each Subway is individu-

ally owned and operated

by independent franchisees.

Mohammad Ahmed, the new

owner of Subway on Newark-

Pompton Turnpike in Peq-

uannock, promises that in his

store, you will really enjoy the

difference.

Many of you have very

limited time, so my first objec-

tive is to train every member

of my staff to be friendly,

attentive and, above all,

prompt, said Ahmed.

Last year, Ahmed won the

award for Single Unit Owner

of the Year in North America.

Now he is bringing his expert-

ise, enthusiasm and vision for

success to the Pequannock

location. Success, however,isnt possible without the cus-

tomers. Ahmed encourages

patrons to offer comments or to

discuss concerns with his team

at any time.

Your recommendation

to others is important to grow

the business, he said. With

your valuable personal input,

we promise 100 percent satis-

faction with each and every

repeat visit here.

While Ahmeds primary

goal is to guarantee the highest

level of customer satisfaction,

he also says to expect constant

improvements in his restau-

rants cleanliness and perform-

ance standards. And this is

just the beginning! he said.

For value and variety,

Subway is one of the most

popular restaurants in theworld. In 2010 the restaurant

surpassed McDonalds as the

largest fast food chain world-

wide.

If you have any ques-

tions, please call the store at

973-706-6435. Stop in to

eat fresh at 166 Newark-

Pompton Turnpike in

Pequannock.

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

710 NEWARK POMPTON TURNPIKE , POMPTON PLAINS973-835-1426 www.gillysrestaurant.com

RESTAURANT

z2

MUST PURCHASE A BEVERAGE WITH EACH MEAL .

DINNER ONLY INCLUDES SOUP OR SALAD.

MONDAYSATURDAY

CASH ONLY. CANNOT COMBINE WITH OTHER OFFERS. NOT VALID ON

HOLIDAYS. Coupon must be presented before ordering. Not valid on parties 6 or more.2 Meals per coupon. Expires 10/2/13.

*

WHOLE LOBSTERTHURSDAY NIGHT

--- NO COUPONS ---

$1299+tax1 lb.14

LUNCH DINNER

$699 $1299Veal Parmigiana Fried Shrimp Platter

Chicken, Shrimp or Sole Francaise

Chicken or Shrimp ParmigianaHomemade Meatloaf w/Mashed Potatoes

Meatball & Sausage Vodka Sauce over Ziti.

* *

MARIA FERRITO

973-986-6914 Cell

[email protected]

NJAR MILLION DOLLARSALES CLUB 2001

NJ CIRCLE OF EXCELLENCE2002-2012

ConsistentTOP PRODUCER

in the WAYNE area.GEMINI LLC Realty 973-696-1111x131197 Berdan Ave., Wayne, NJ

Townhome SpecialistRelocation Agent

CallMARIA FERRITOfor CURRENT MARKET

VALUE OF YOUR HOME

SHORT SALE AGENTOwe more than your

home is worth?WANAQUE $299,999

Large 3BR 2.5BABi-Level with deck,

central air and2 car garage.

New Subway Owner of the Year

promises satisfaction


Lincoln Park Savings Bank

appoints David C. Dixon toBoard of Directors

To Advertise

in Life & Leisures

Real Estate Section

Call

973-696-8008




7/30/2019 221657_1377859260Sep 4 2013 Z2 LOW REZ

20/24

Prospective members are always welcomed.For more information call 877-221-1581 or e-mail sbotbyl1 @yahoo.com.Toastmasters provide a supportive environ-ment to improve public speaking and leader-ship skills. We meet the first Wednesday ofeach month at Hollywood Restaurant &Pizzeria, 376 Fairfield Road, Fairfield from 7-

9pm Guests are welcomed. For more informa-tion, visit www.diningtospeak.com.

year, that supplier would be in

there like concrete, no matterthe price.

Has your customer come

to you to ask you about rec-

ommending another suppli-

er? Yes, it is a pain in the

neck to call someone you

know and refer them. How

many times have they

referred you? Are you keep-

ing score? Why not? If you

tell your customer you dont

know and someone else does,

that supplier might knowsomeone who does what you

do. That is the real cost of not

referring someone to your cus-

tomer. It would be great to

have five to 10 vendors at

your customer. Again, you are

insulating yourself against

competition. But more impor-

tantly, you are now the go-to

guy for your customer. And

instead of lowering prices, you

can actually think of increas-

ing them.

If you would like more info on

networking and to see how it is

really done, contact Philip J.

Doyle, president of 24-7 Net-

working Sales, at 973-697-

8872 or [email protected].

Be sure to check out great net-

working meetings on the web-

site: www.join24-7.com.

v s t ou webs te at j

Ryan BarryMortgage Banker

NMLS# 183464

973-200-3262 Direct 973-454-5183 Cell 973-837-9616 Fax

[email protected] by Mortgage Executive magazine as a "Top 1% Mortgage originator" for 2012

CENTURY 21 CREST REAL ESTATE, INC.142 Route 23 North, Pompton Plains, NJ 07444

(973) 686-1500 (800) 950-5021

OWN THESE HOMES FOR...To Qualified Buyers.

Mortgage Payments listed above are based on principal and interest only and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR basedon a 740 credit score as of August 13, 2013. Terms for Condos listed above are subject to meeting Fannie Mae Guidelines. This information is not to be considered a commitment to lend. Programs and termsare subject to change without notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ , NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35286. Equal Housing Lender.

The Housing Market isHOT!!!Know your buying power BEFORE beginning your home search

Call today for a FREE Mortgage Pre-qualification

BUTLER $279,900

$1,151 per month30Yr Fixed w/0 points.4.625/4.742% APR

BUTLER $373,000

$1,534 per month30Yr Fixed w/0 points. 4.625/4.717%APR

LINCOLN PARK $335,000

$1,378 per month30Yr Fixed w/0 points. 4.625/4.726% APR

LINCOLN PARK $364,900


POMPTON PLAINS $214,900

$884 per month30Yr Fixed w/0 points. 4.625/4.771% APR



NORTH HALEDON $435,000




CLIFTON $389,000


WEST MILFORD $295,000

$567per month

30Yr Fixed w/0 points. 4.625/4.737% APR



POMPTON LAKES $259,000

$1,065 per month30Yr Fixed w/0 points .4.625/4.789% APR

POMPTON LAKES $499,800


WANAQUE $279,999


WANAQUE $319,000


RIVERDALE $279,900


BLOOMINGDALE $399,900


WOODLAND PARK $288,000


MULTI-FAMILY MULTI-FAMILY

Networking: what did you do for your customers this month?


CommunityHappeningscontinued from page 19


7/30/2019 221657_1377859260Sep 4 2013 Z2 LOW REZ

21/24

Sometimes, we see only

what we are looking for.In 1860, Abe Lee was

looking for gold. He struck in

the small Rocky Mountain

town of Leadville, Colorado,

aptly named for the huge quan-

tities of lead carbonite that

seemed to be everywhere.

News spread quickly of the gold

strike, causing a boom and bustin population. The ore petered

out relatively quickly and, of

course, the miners followed

news of the next strike.

But they had missed

something.

The massive amounts of

lead carbonite contained silver

large percentages of it. Just afew years later, in the mid

1870s, the town had produced

millionaires like Horace and

Baby Doe Tabor, as well as JJ

Brown and his famous unsink-

able wife, Molly.

At the height of its pro-

duction, the Matchless Mine

produced over $2,000 of high-grade silver every day more

than $7 million over its life-

time. This was at a point in his-

tory when the average

American worker labored for

about one dollar a day.

The silver had always

been there, but people ignored

it because they were focused onsomething else. And thats the

point. We see only what we are

looking for. So what are you

looking for? What opportuni-

ties are hiding in plain sight?

j

POMPTON PLAINS $659,000Fabulous 4BR 6Bth custom home on park-likeproperty in a great area w/2GAR, full fin bsmt &much more! WYN0572

WAYNE 973-694-8000

KINNELON $1,695,000Smoke Rise-"Experience the WOW" Comfort/ele-gance/master craftsmanship make this home the ul-timate. KIN1950KINNELON/SMOKE RISE 973-838-9300

SEASIDE HEIGHTS $430,000New const luxury 4BR 3.5Bth twnhm at Seaside-Hgts Watersedge. Other avail models-just blcksfrom ocean,boardwalk,bay. WYN0351

WAYNE 973-694-8000

WAYNE $350,000Nice 3BR Ranch on quiet cul-de-sac on just less than.5ac w/fpl, CA, bsmt & GAR. Low taxes. WYN0623

WAYNE 973-694-8000

VERNON $279,900Spacious 3BR 3BA Expanded Ranch/spaciousRms./LR w/FP/freshly painted/2C oversized

heated Gar. KIN3710KINNELON/SMOKE RISE 973-838-9300

WAYNE $410,880Nice 3BR 1.5Bth Exp Ranch in TomsLk w/DR, LR, EIK,huge FamRm, fin Bsmt/RecRm & Gar, CA + MORE!WYN0214

WAYNE 973-694-8000

WAYNE $424,900PinesLk 3/4BR 2.5Bth Colonial/Cape Charmerw/stone fplc, Chestnut beamed ceilings, GAR.Enjoy the lake lifestyle! WYN0668

WAYNE 973-694-8000

WAYNE $429,0004BR 2.5Bth Split w/sep 1st fl living area-perfectfor ext. family,HW fls under carpet,level yd.1yrbuyer warranty incl. WYN 0501

WAYNE 973-694-8000

WAYNE $599,0006-yr young 4BR 2.5Bth PackanackLk Col fea-

turing LR/Cath Ceil, Kit/Cherry/Granite, Extra

Large MBR w/Bth, 2GAR, MORE! WYN0341WAYNE 973-694-8000

WAYNE $679,900Oversized 5BR 3.5Bth Col w/stunning In-lawSte, 2 fpls, HW fls, updtd Kitchens, fin bsmt/wetbar, IG pool/Cabana + MORE! WYN0692

WAYNE 973-694-8000

WAYNE $949,900Impressive true 5BR CH Colonial in pr ime loc of IndianHill Estates on priv 1+ac cul-de-sac loc w/beautiful IG

pool. WYN0843WAYNE 973-694-8000

WAYNE $999,999Palatial Tudor-Col. Over 5800 Sq Ft.-every en-tertainers dream! Located in prestigious HorizonHgts. KIN3709KINNELON/SMOKE RISE 973-838-9300

FRANKLIN LAKES $1,499,000Beautiful 8BR 6.1Bath home in prestigiousWestGate w/3 Kit,3 Fplcs,In-law Ste,walk out

lower level,4GAR&so much more! WYN0323WAYNE 973-694-8000

GREEN POND $374,900LAKEFRONT-3 Season/4BR Cottage in GreenPond (Accessible by foot path or boat) KIN3729

KINNELON/SMOKE RISE 973-838-9300

KINNELON $250,000Build your Dream home on 2.4Ac lot on a cul-de-sac/close to transp/#1 Schools in Morris Cty

KIN3864KINNELON/SMOKE RISE 973-838-9300

KINNELON $299,000Fab opportunity to own Highway Property.Zoned Res.-possibly change to Highway Comm.

KIN3699KINNELON/SMOKE RISE 973-838-8400

KINNELON $399,000Fayson Lks-Charm/characer throughout3BR/2BA R.Ranch/EIK/2FPS/H/W Flrs/Fin w/o

LL. KIN3860KINNELON/SMOKE RISE 973-838-8400

KINNELON $469,900Magnificent Custom 3BR 3Bth home on level

.47ac w/Grmt Kit, FDR, LR, FamRm, Trex Deck,

gas HHBB Heat, CVac & MORE! WYN0006WAYNE 973-838-8400

KINNELON $699,900Stately 4BR/3.1BA Col. on 1.8 priv.Acs. w/Mtnviews/wood Flrs/SS Appl/granite/wineFridge/3C.Gar. KIN3634KINNELON/SMOKE RISE 973-838-8400

KINNELON $1,000,000Elegant custom 4BR/4.1BA home offers openfloor plan & spectacular wood detail. KIN3798

KINNELON/SMOKE RISE 973-838-8400

KINNELON $1,650,000Smoke Rise:Spectacular cust. estate w/unpar-alled finishes/detail & design. 14Rm FrenchCountry Est. KIN3755KINNELON/SMOKE RISE 973-838-8400

POMPTON PLAINS $1,100,000Elegant 5BR 3.5Bth Ranch w/1st Fl MBRSte,Tennis,3GAR on 1.6ac cul-de-sac locw/views,adj to Sunset Golf. WYN0108

WAYNE 973-694-8000

KINNELON $3,250,000SMOKE RISE-Lakefront Mansion/panoramiclake views/stunning sunsets/Pool/9,000 Sq FtEstate/6.5 priv Acs. KIN3395KINNELON/SMOKE RISE 973-838-9300

PEQUANNOCK $399,000Location/Location Exp. Ranch offers goodbones.3BRS 1BA main house along w/in-lawsuite. KIN3811KINNELON/SMOKE RISE 973-838-9300

What are you looking for? You could be missing opportunities By Paul Holland



7/30/2019 221657_1377859260Sep 4 2013 Z2 LOW REZ

22/24

0051 AUTOMO-BILES WANTED

WE BUY CARS !WE BUY TRUCKS !

RONNIES INWAYNE

973-616-7900

WE PAY FORJUNK CARS

973-220-0202

HELP WANTED0280 - 0329

0295 HELP WANT-ED GENERAL

F/T,P/T Sales/CashierApply in person,

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973-227-5008 ask forJ oe or Ishan

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SERVICES0610 - 0959

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incl. Repairs,Liners,Caps &

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Call 973-570-7362

0683 SERV.COMMERCIAL

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Lincoln Pk, N.J .Home or Office

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0685 SERVICESCLEANING

Best Cleaning Ser.FREE ESTIMATESfor office,apt,house

call BARBARA973-779-1546

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Ukrainian ladies cleanyour home or office to

your completesatisfaction. Exper.

Refs AvailCall 973-557-3621

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201-421-7887

0686 CLEANOUTSERVICE

All appliances,unwanted junk, scrapmetal, bldg. materials.

Tear down & takeaway sheds. Attics &

Bsmnt cleaned.Things your

garbagemen wontpick up. WE DO !!!

CALL862-200-1283

0725 SERVICESDRIVEWAYS

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Regain Valuable Storage!We dispose unwanted items in an

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Planning Prevents Poor

Performance Period. I have

lived my life by these truisms

and I even trademarked them

while designing the TrinityMethod of Investing, allowing

my clients to maximize their

income today while protecting,

preserving and perpetuating

their wealth for tomorrow.

Today, the Charnet fam-

ily is financially independent

as a result of practicing these

principles. Should you desire

a guided tour of the applica-

tion of these strategies, save

the dates of our free upcom-ing retirement and estate-

planning workshop series, to

be held at 901 Route 23

South in Pompton Plains

from September 2426. Stop

in to say hello, and see for

yourself how you can benefitfrom the application of disci-

pline. Watch for our green

flyer in this paper with all of

the details or, better yet, just

call APG today to reserve

your seats. Space is limited so

sign up your friends and fam-

ily first!

Mark E. Charnet is President

and Founder of American Pros-

perity Group. APG is the pre-mier retirement and estate-plan-

ning franchise in the U.S. with

17 offices in nine states. Charnet

is a certified annuity specialist, a

certified senior advisor and has 32

years experience in the retire-

ment and estate-planning fields.Creator of the Trinity Method of

Investing, he encourages your in-

quiries and can be reached at

877-885-1274, 973-831-4424

or [email protected]. For

more information, visit

www.1apg.com. Interested in a

career in retirement and estate

planning? Visit www.apgfran-

chise.com. Securities through:

BCG Securities, Inc. Member

SIPC, FINRA and a registeredinvestment advisor.

The recipe for financial independence is missing some

ingredientscontinued from page 4

Risks associated with teeth whitening

ADA Seal of Acceptance,

which indicates that the prod-

uct has met ADA guidelines for

safety and effectiveness.

Currently, only dentist-dis-

pensed home-use products con-

taining 10% carbamide perox-ide and office-applied products

containing 35% hydrogen per-

oxide have received the ADA

Seal of Acceptance. No over-

the-counter products have

received the Seal of

Acceptance. Over-the-counter

bleaching products are not

endorsed by the ADA because

the organization believes that

professional consultation is

important to ensuring safe andeffective use. No whitening

products using lasers currently

are on the ADAs list of accept-

ed products. Several whitening

toothpastes that are available

over-the-counter have received

the ADA Seal of Acceptance.

For a list of specific toothpastes

that have gained the ADAsSeal of Acceptance, visit:

www.ada.org/prof/prac/seal/ind

ex.html

It should be noted that

not all manufacturers seek the

ADAs Seal of Acceptance.

This is a voluntary program

that requires considerable

expense and time on the part of

a manufacturer. Just because a

product does not have the

ADA Seal of Acceptance doesnot necessarily mean that the

product is not safe and effec-

tive. You can be assured, how-

ever, that products that do

carry the seal have meet the

ADAs standards for safety and

effectiveness when used as

directed.

Teeth whiteners are notdrugs and therefore are not reg-

ulated by the FDA.

Dr. Peter Brusco is a 1980 grad-

uate of The University of Penn-

sylvania and has been practicing

in Kinnelon since 1982.

Dr. Bruscos practice is located at

170 Kinnelon Road, Suite 29A

in Kinnelon. You may reach him

by calling 973-838-5862 or visit-

ing him on the web atwww.drbrusco.com.


Paul Holland is an author, speak-

er, inventor and serial entrepre-

neur. Paul is the president of the

SWG Group, located in Fair-

field. You may reach him at

973-521-7647 orwww.theswggroup.com.

What are you

looking for? Youcould be missing

opportunities


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221657_1377859260Sep 4 2013 Z2 LOW REZ

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