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F
all is a great time to enjoy the
great outdoors. Beautiful fall
foliage coupled with greatweather compel many people to
spend ample time outdoors before
the arrival of harsh winter weather
drives them back indoors. The fol-
lowing are a handful of activities
that are tailor-made for fall.
Raking leaves: While raking
leaves might not jump out at you
as a great way to spend a nice fall
afternoon, families often find rak-
ing leaves together soon turns intoa fun day in the yard. Build leaf
piles and let the kids jump in, and
then do it again.
When raking, encourage
kids to collect some colorful leaves
and set them aside. Once the rak-
ing is done, you can then enjoy
making some homemade crafts
with the leaves you and your
youngsters just collected.
Apple picking: Perhaps no activ-
ity is more synonymous with fall
than apple picking. Many appleorchards encourage customers to
come by and pick their own apples
in the fall. Once your family and
you have scoured the orchard for
the perfect apples, relax with a cup
of warm apple cider before return-
ing home to make some home-
made apple sauce and, of course, a
delicious apple pie.
Hayride: Hayrides are another
fall tradition, and many farms offer
relaxing hayrides throughout fall.Younger children who may tire if
asked to patrol an apple orchard
for apples might find a hayride is
more their speed. Some farms may
even allow customers to walk the
grounds and visit the animals on
the premises.
Fun family activities tailor-made for autumn
Proverbs 3:5,6 God Bless AmericaRecycled Paper from 30% Post Consumer Waste
September 18, 2013
Zone 3, Vol. 11, No. 18
We are a Family, Friendly Publication
FALLREGISTRATION
SEE PAGES 8 & 9continued on page 13
7/29/2019 221657_1379071392Sept 18 2013 Z3
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NOTE: To have your groups announce-ment appear in Community Happenings,
please e-mail your paragraph to [email protected].
SEPT 19
Its time to join the best organizationaround! Girl Scouts in Pompton Lakesand Riverdale, grades K-12. Come tothe Pompton Lakes Reformed Church,59 Hamburg Tpk on Saturday
September 14 from 9am-12pm andTuesday September 19 from 7-9pm toregister your girl(s) or just learn more
about this great opportunity. For moreinformation, email Paulette at letu-
[email protected]. See you there!
SEPT 21Passaic County Freeholder candidatesChristian E. Barranco, Phil Weisbecker &the Pompton Lakes Republican Club cor-dially invite you to a HometownRepublican Dinner. Enjoy a night of din-ing and music. September 21 at 6pm,held at the Pompton Lakes Elks Lodge#1895 located on Perrin Avenue.Keynote Speaker: Assemblyman JayWebber. Suggested donation $65.00.Please make checks payable to
Barranco Campaign Fund or BCF. Sendto C. Barranco, 2 Maple St., Pompton
Lakes, NJ 07442. Or call 973-897-1873for more information.
SEPT 25
The date and time for the Makeoversfor Interviews Program at Butler PublicLibrary has been changed toWednesday, September 25 from6:308pm presented by Lynn AnneCutler, Mary Kay Independent BeautyConsultant. Make your first impressioncount. Participants will receive productsamples to take home, and the opportu-nity for a follow-up consultation with
Independent Beauty Consultant LynnAnne Cutler. This free program is limited
to 10 participants - call 973-838-3262,or stop by the Library to pre-
register. Butler Public Library is locatedat 1 Ace Road, behind the municipalbuilding, on the internet at www.butler-library.org,
SEPT 28
Family & Friends for Freedom Fundpresents a benefit at the RhinoTheatre,247 Wanaque Ave, Pompton Lakes tosupport our wounded soldiers. Showtime Saturday, September 28 at 8pm. Ticketdonation $20.00. Gene Ferrari will once
again star in a Benefit for our WoundedWar Heroes. Genes classically elegantstyle, both in performance and in attire,begs comparison to such great singers asTom Jones, Engelbert and Neil Diamond.They gave to us, now it is our turn to
give to them! Come out and support thisgreat event! Call Kathy Sturla at 973-897-2237 for tickets. For moreinformation call 973-897-2237 orwww.injuredmarinesfund.org.
Around theCommunity
True Vine Christian Center, located at99 Two Bridges Road in Lincoln Parkoffers 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 sincethe forth is Christmas Day). The hoursare from 5:30-6:45pm. It is for families
that are in need.Riverdale Public Library announcesSeptember-October 2013 Programs forchildren and teens. Story Times forInfants and Pre-schoolers, programsbegin September 9 and end October 29.Puppy Pals, Wednesday September 11& October 9, from 4-5pm, BreakfastBook Club Saturday September 21,10:15-11:30am, Lego Lab,Wednesday, September 25 & October
23, from 4-5pm, Teen Movie Night,
Wednesday, September 4 & October
2,from 5:30-7:45pm, Teen Book Club,Wednesday, September 18 & October16, 6-7pm Teen Crocheting Wednesday,September 25 & October 23, 6-7pmRegistration required for all programs.Please call 973-835-5044, go online atwww.riverda lelibrary.org, or [email protected] to regis-ter or for more information.The Unorthodox Wood Carving Club isnow excepting new members. We are asmall group of woodcarvers with inter-
ests in carving duck decoys, birds, andall other types of wood carving designs.Some power equipment available for
use. Please stop by Pompton Mill Works2nd Floor 145 Ringwood Ave Wanaqueor call 973-934-6520 for more infor-mation.The Bloomingdale Friends of theLibrary would like to welcome newmembers/volunteers. If you are look-
visit our website at www.lifeandleisurenj.com September 18, 2013Page 2, Zone 3
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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visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 3, Page 3
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What do these yearshave in common:
1987, 1990, 1994,
2000, 2001, 2002 and 2008?
Not sure? Let me ask the
question a different way.
What did these years in the
stock market do to your
retirement portfolio? Were
you still working when the
markets crashed, corrected or
burned? Did you view this as
a momentary problem thattime would heal? Did you
view these years as buying
opportunities since the prices
were on sale by 10 percent
off or more? Did you take
advantage of the opportunity
and invest heavily, adding to
your temporarily discounted
retirement accounts? If not,
dont you wish you did?
For some investors,
crashes, corrections anddepressions are merely a
great time to buy and invest
more for gains yet to come.
For others, these negativemarket events cause stress,
tension, anxiety and high
blood pressure. The deter-
mining factors of either an
opportunity or reason for
alarm boil down to just one
word: liquidity!
When we work, we gen-
erate capital, creating liquid-
ity. When we are retired, liq-
uidity is severely limited
or non-existent becauseemployer based bi-weekly
paychecks no longer come
in. In fact, crashes, correc-
tions, recessions, depressions
and inflation are devastating
to those on a fixed income
or portfolio-based income
stream. If you have surplus
capital, you look forward to
dips in the markets that gen-
erate buying opportunities. If
you have no surplus or areliving on the majority of
what your portfolio can safe-
ly produce, very little good
can come from falling mar-kets whether they are
stocks, bonds, real estate,
precious metals or commodi-
ties because you cannot
afford to participate. To risk
further decline or erosion
could prove fatal!An analysis of the dates
reveal the following: There
are 26 years between 1987
and 2013. The years chosen
in my opening paragraph rep-
resent the seven worst per-
forming years of the 26-yearspan. That means 27 percent
of the 26 years were overtly
negative, and some people
have never recovered!
If you believe that the
stock or bond markets will
never experience a crash or
correction again, please dis-
continue reading this column
right now and dont waste
another minute of your time.
If you hold to the belief thatthe markets comprising the
holdings in your retirement
portfolio may go into nega-
tive territory at any time,
exacerbated by the monthly
withdrawals that must con-
tinue to support you and your
spouse for the rest of your
life, please invest a few more
moments of your time read-
ing to the end, for your own
economic benefit.Is your retirement port-
folio crash proof? In other
words, will your income
stream be uninterrupted if
the markets fell 40 percent in
a year? Would your level of
income be free from decline?
Would you be able to access
your portfolio in the event of
an emergency to grab a largesum of capital on demand? If
you or your spouse entered a
nursing facility, would your
income be satisfactory to
handle the additional costs
while still being able to
maintain your household? Is
your portfolio designed to
pay you a stable income for
the rest of your life, even if
the IRS says your IRA must
be depleted as you age? Whatabout a legacy for your chil-
dren? Will they receive any-
Is your portfolio crash proof? By Mark Charnet
visit our website at www.lifeandleisurenj.com September 18, 2013Page 4, Zone 3
continued on page 10
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visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 3, Page 5
7/29/2019 221657_1379071392Sept 18 2013 Z3
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Whitening is not
permanent. People
who expose their
teeth to a lot of foods and bev-
erages that cause staining maysee the whiteness start to fade
in as little as 1 month. Those
who avoid foods and beverages
that stain may be able to wait
one year or longer before
another whitening treatment
or touch-up is needed.
Tips for maintaining your
newly whitened teeth include:
Avoiding the consumption of
or exposure to products that
stain your teeth. If you dochoose to consume beverages
that stain, consider using a
straw so that the liquid bypass-
es your front teeth.
Brush or rinse immediately
after consuming stain-causing
beverages or foods.
Follow good oral hygiene
practices. Brush your teeth at
least twice daily and floss at
least once daily to remove
plaque. Use whitening tooth-paste (once or twice a week
only) to remove surface stains
and prevent yellowing. Use
regular toothpaste the rest of
the time.
Consider touch-up treat-
ments. Depending on the
whitening method used, youmay need a touch-up every 6
months or after a year or two.
If you smoke or drink lots of
stain-causing beverages, you
may need a touch up more
often.
Frequently Asked Questions
Does insurance cover the cost of
whitening procedures?
No. Dental insurance
does not typically pay for the
cost of the tooth whitening
procedure.
Does teeth whiteners damagetooth enamel?
Studies of whitening
products using 10% carbamide
peroxide showed little to no
effect on the hardness or min-
eral content of a tooths enam-
el surface.
Do teeth whiteners damage exist-ing dental restorations?
Over 10 years of clinical
use of whitening products con-
taining 10% carbamide perox-
ide have not shown any dam-
age to existing fillings. The
issue is not damage to exist-
ing restorations; rather, keep
in mind that existing restora-
tions such as tooth-colored
fillings, crowns, bonding,
veneers, and bridges do not
lighten. This means that any
preexisting dental work mayneed to be replaced to match
the new tooth shade achieved
in the natural teeth, should a
bleaching process proceed.
Do teeth whiteners damage a
tooths nerve?
Theres no evidence to
date that the tooth whitening
process has a harmful effect on
the health of a tooths nerve.
One study reported that at
both a 4.5 and 7-year follow
up, no individual who used atooth whitening system need-
ed a root canal procedure on
any teeth that had been
whitened.
Dr. Peter Brusco is a 1980
graduate of The University of
Pennsylvania and has been
practicing in Kinnelon since
1982. Dr. Bruscos practice is
located at 170 Kinnelon Road,
Suite 29A in Kinnelon. Youmay reach him by calling 973-
838-5862 or visiting him on the
web at www.drbrusco.com.
Follow-Up Care By Peter Brusco, DMD
visit our website at www.lifeandleisurenj.com September 18, 2013Page 6, Zone 3
7/29/2019 221657_1379071392Sept 18 2013 Z3
7/32
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 3, Page 7
Dr. Peter Brusco, D.M.D.170 Kinnelon Rd., Suite 29A Kinnelon
973-838-5862 www.drbrusco.com
The health of your teeth and gums are important to us. We are dedicated to serve you with
courtesy, kindness, and respect. Our responsibility is to take great care of you.
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Prevent cavities and gum problems. Make your teeth last a lifetime.Call Today! 973-838-5862
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7/29/2019 221657_1379071392Sept 18 2013 Z3
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This fall, the Jacksonville
Chapel Sports Ministry
is bringing baseball
pitching classes to the commu-nity every Wednesday night.
Participants will practice the
basics of baseball in a clinic for-
mat with emphasis on integrat-
ing faith and character on and
off the field.
Classes are led by Mike
Warden, former All-Morris
County Baseball Player for
Pequannock High School and
All-American at Southern
New Hampshire University. Hehas coached the Teel and
Wladyka club teams and has
coached two current Major
League players. He is also an
instructor at Dichiaro Baseball
School.
Classes run Wednesdays
at the Jacksonville Chapel gym
from Sept. 11Nov 2. Children
in 2nd5th grades play 67pm
and children in 6th12th
grades play 78pm.
All children are welcome
and its recommended they
bring their own gloves. Space is
limited so register today at
www.chapelnj.org/sports or call
Kathy at the chapel office: 973-
334-6657. Jacksonville Chapelis located at 264 Jacksonville
Road in Lincoln Park.
All-American pitcher to
teach baseball clinics at
Jacksonville Chapel
visit our website at www.lifeandleisurenj.com September 18, 2013Page 8, Zone 3
Has your child been diagnosed with... Cerebral Palsy
Autism
Developmental Delay
Balance/Coordination Disorder
Hypertonia (increased muscle tone)
Hypotonia (low muscle tone)
Down Syndrome
Spina Bifida
Metabolic Disorder
Traumatic Brain Injury
18 Newark Pompton Tpke.
Riverdale, NJ 07457
973.616.8300
Physical Therapy
Occupational Therapy
Sensory Integration
Speech Therapy
Childhood
Weight Loss
...then give us a call 973.616.8300
PERFOR
MING
ARTS
ACADEMY
j973-839-7800
194 Wanaque Ave. Pompton Lakes
Visit Our Website:www.thepaa.com
Dawn La Viola-Schaub - Artistic Director
ALL NEW STATE-OF-THE-ART STUDIOThe New Studio is 3 levels, offering 5 beautiful spacious dance rooms, central air, 2 lounges & bathroom.Large observation windows in a safe, secure, facility.
REGISTER EARLY
TO GET THE CLASSES OF YOUR CHOICE.Or Register by Mail to get the class of your choice.
Any questions please call:
973-839-7800j
WE OFFER A LARGE VARIETY OF DANCEBallet Tap All Boy Hip Hop Jazz Lyrical Contemporary Modern Hip Hop
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7/29/2019 221657_1379071392Sept 18 2013 Z3
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Community Happenings
ing to make new friends, want to shareyour leadership skills, and participatein our fundraising events, please cometo a meeting and help support thelibrary! You can make a difference inyour community! Meetings are on the3rd Wednesday of each month, at 7pm
in the Council Chambers, above thelibrary. For questions or more infoplease call or stop by theBloomingdale Free Public Library, 101Hamburg Turnpike, Bloomingdale orcall 973-838-0077.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 isa Christian ministry dedicated to help-ing veterans find peace with them-selves and the world around them. Ifyou are doing fine after the war, thatsfantastic but dont forget about your
buddies who are still suffering. Findout how you can help. Call BarryJensen at 973-809-9665. Point ManMinistries meets the first Thursday of
every month from 7:30-9:30pm atCornerstone Chapel 620 Route 23North, Pompton PlainsThe Pompton Lakes Republican Clubinvites you to its monthly meetings onthe third Thursday of each month atthe VFW Post 2906 off WanaqueAvenue in Pompton Lakes. Mem-
bership is open to the public. Get
involved with the PLRC and partici-pate in informative meetings,community outreach, scholarshipsfor youth, and social activities.Questions? Call 973-835-4025 or e-mail [email protected].
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 3, Page 9
Developing the Foundation for a Lifetime of School Success!
Family Owned and Operated Est. 1972
CORE APPLECORE APPLE
Visit our school and findout how many consecutive
years over 90% of our
children scored in the top10% nationally...
and they are having theMOST FUN in their
lives!
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Reading Program
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Curriculum Computers
Music Foreign Language 3 or 5 Half Days
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Parenting Seminars Character Education After School Clubs
Summer CampAges 2-12 Years Daily Swimming
Lessons, Heated Pool
designed for safety of
young children Sports/Organized Games
Arts & Crafts Field Trips/Fun
Themed Days
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earolds
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continued from page 2
7/29/2019 221657_1379071392Sept 18 2013 Z3
10/32
thing from your estate? Is
it guaranteed?
Though the federal
estate tax bracket has been
fixed at $5,250,000, NJ con-
tinues to hover at $675,000.
This means if your estate,
counting your home, exceeds
that amount, taxes will have
to be paid! Are you prepared
to take care of this mandated
reduction in your bequest to
them?
Here are the nine points I
am making:
1. I insist on a guaranteed
rising income for the rest of
my life, and my wifes, when
we stop working.
2. I demand long-term care
portfolio protection to insure
the integrity of my assets and
income.
3. I require that my portfolio
be designed with the least
amount of governmental
intrusion (taxes) as possible.
4. I desire to leave the great-
est sum we possibly can to
our favorite charities (our
four children) when my wife
and I are gone.
5. I must have protection
from stock and bond market
losses, so that my income and
insurance programs put in
place will not be compro-
mised when the negative
market years occur. (And
occur they will).
6. I mandate that during ris-
ing markets my portfolio will
be able to capture the high
values to reset my lifetime
income stream, which will
never retreat, upward.
7. I need the flexibility and
liquidity to make adjust-
ments as necessary when sit-
uations arise.
8. As part of my retirement
plan, I have documents in
place that designate my
executors, trustees, power of
attorney, health proxy and
living will advocate.
9. My plan must include
funds for entertainment
value that are disposable and
discretionary (e.g. Vegas,
travel and gifting).
This is how my personal
retirement and estate plan is
designed and how I practice
the 7 Ps: Proper Prior
Planning Prevents Poor
Performance Period! It is
designed to Maximize my
income today while protect-
ing, preserving and perpetu-
ating my wealth for tomor-
row. My 32 years of experi-
ence in the retirement and
estate-planning field have
taught me that most people
agree with these basic ten-
ants for their own retirement
and estate plan. Wouldnt
you agree? If so, and a self-
analysis reveals that you are
not set-up properly to
include each of the nine ben-
efits listed above, perhaps a
no-cost, non-obligatory con-
sultation with me would be a
prudent move. There is no
fee and no commitment nec-
essary to get my professional
opinion on your personal
plan. Why not avail yourself
the opportunity to hear and
learn more about improving
and upgrading your financial
future? Or you may choose to
attend our free retirement
and estate-planning work-
shops from Sept. 2426 at
our public learning center,
located in the APG National
Headquarters at 901 Route
23 South in Pompton Plains.
Call or e-mail today for more
visit our website at www.lifeandleisurenj.com September 18, 2013Page 10, Zone 3
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Is your portfolio crash proof?
continued from page 4
continued on next page
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information.
Mark E. Charnet, CAS, CSA
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APG is the premier retirement
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Ahealthy pet is a happy
pet and responsible
pet owners know that
their beloved pets health rests
largely on their shoulders.
Ensuring a pet is healthy over
the long haul can be quite sim-
ple. While some pets may
develop medical conditions
that require more attention,
the following are a few simply
ways pet owners can keep their
pets healthy.
Dont skip visits to the
veterinarian. Unlike humans,
pets cant speak for themselves,
so its quite possible that a pet
could be hurting or dealing
with a medical condition while
its owner has no idea. Annual
veterinary checkups can help
avoid such situations, and the
vet might notice a developing
condition before it becomes
anything serious. If a pets
behavior suddenly changes,
schedule a veterinarian visit as
soon as possible, as this behav-
ioral change could be indica-
tive of a medical issue.
Prioritize vaccinations.
Vaccinations can protect a pet
from a host of ailments, includ-
ing rabies, distemper and Lyme
disease. New pet owners who
adopted a pet from a rescue
organization should get docu-
mentation about the animals
past vaccinations. (Certified
kennels typically provide such
documentation at the time of
adoption.) If there is no such
documentation or if there are
documents showing the pet
received certain vaccinations
but not necessarily all of its
vaccinations, take the pet to
the veterinarian and have the
animal receive those vaccina-
tions that arent documented.
Spay or neuter the pet.
The ASPCA notes that spay-
ing or neutering a pet is a pre-
ventive measure that can help
a pet in the long haul. Spaying,
or removing the ovaries and
uterus of a female dog or cat,
can prevent diseases, such as
breast cancer and pyometra, as
well as infection and keep the
animal from going into heat.
Neutering a male dog or cat
before it reaches six months
can reduce the likelihood that
the animal will behave aggres-
sively, while helping to prevent
testicular cancer, diseases of
the prostate and hernias.
Help the pet fight heart-
worm. Heartworm isnt easy to
treat, but it is easily
prevented. Cat ow-
ners should speak to
their veterinarian
about heartworm
and the best course
of action, as cats are
less likely to devel-
op heartworm than
dogs, who are natu-
ral hosts for the
infection. Dogs should be test-
ed for heartworm annually in
the early spring, and the veteri-
narian might prescribe a pre-
ventive medication the dog
will take once per month. How
long the dog must take the
medication depends on the
dog and the veterinarian, but
dog owners should heed the
vets advice.
Get your pet off the
couch. Humans should not be
couch potatoes and neither
should their pets. Regular
exercise burns calories while
increasing muscle mass
and improving cardiovascular
strength. Dog owners should
know that how much exercise
their dog needs depends on its
breed, age, sex and physical
condition, so discuss a proper
exercise regimen with your
veterinarian. Cats need exer-
cise, too, and cat owners
should also discuss the specifics
with their vet.
Brought to you by Dr. Matthew
Krupnick, the owner of the Pe-
quannock Animal Hospital. He
grew up in Kinnelon and is hap-
py to be home with his wife,
three cats and two dogs to
provide quality and compassion-
ate care for your pets in the com-
munity. The Pequannock Ani-
mal Hospital is located at 591
Newark Pompton Turnpike in
Pompton Plains. You can reach
them at 973-616-0400.
Simple tips to keep your pet healthy
visit our website at www.lifeandleisurenj.com September 18, 2013Page 12, Zone 3
WHERE YOUR
PET IS FAMILY
Dr. Matthew Krupnick, D.V.M.
Full Service Animal
Hospital, Specializing
in Cats & Dogs
Complete Medical,Dental & Surgical
Services On Premises
Caring & Competent Staff
591 Newark Pompton Tpke.
(near Friendly's)
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973.616.0400
Hours: Mon 8-6pm Tues 8-4pm
Wed 8-7pm Thurs 8-6pm
Fri 8-5pm Sat 8-12pm
FREE ExamNEW CLIENTS ONLY.
Limit 1 per pet.
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www.PequannockVet.com
7/29/2019 221657_1379071392Sept 18 2013 Z3
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Hiking: Hiking is a fun
activity that can be enjoyed
nearly year-round, but its
especially enjoyable in the
fall. Thats because few
things in nature are as capti-
vating as a park or forest
when the fall foliage is in full
bloom. Early fall also boasts
ideal temperatures for hiking,
as the mercury likely wont
rise enough or sink low
enough to produce the kind
of extreme temperatures that
can compromise a hikers
afternoon. Instead, fall tem-
peratures tend to be mild and
comfortable, allowing hikers
to fully enjoy their often
beautiful surroundings.
Corn maze: Visiting a corn
maze is another activity that
many people instantly associ-
ate with fall. Some farmers
transform their cornfields into
corn mazes once the tempera-
tures dip, and such mazes can
be fun for adults and children
alike. Though adolescents can
often be trusted to find their
way through corn mazes,
younger kids should be
accompanied by an adult.
Pumpkin picking: Much
like apple picking is best in
fall, so is pumpkin picking.
Rather than buying your
Halloween pumpkin from
the grocery store, where your
options may be limited, go
straight to the source and
pick your future jack-o-
lantern from a nearby pump-
kin patch, which will provide
a much wider selection. Let
your youngsters pick their
own pumpkins and then
spend the rest of the day
carving them at home. And
dont forget to save those
seeds, which can be roasted
over an open flame to make a
delicious snack.
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 3, Page 13
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Fun family activities tailor-made for autumn
continued from page 1
7/29/2019 221657_1379071392Sept 18 2013 Z3
14/32
While there are many
ways to help an
elderly loved one
do all they can to maintain
health, one of the best ways to
improve both the physical and
mental health of a senior citi-
zen is meditation. We know
that meditation can reduce
stress and help us relax, but
recent studies have shown that
meditation can also relieve
pain, reduce the probability of
heart disease and improve cre-
ativity. Here are some other
benefits of meditation:
1. The deep breathing exercis-
es central to any program of
meditation encourage oxygen
enrichment to the blood.
Senior citizens who suffer from
digestion problems often see
immediate relief because the
oxygenation of their digest-
ive functions is empowered
through meditation. This extra
oxygen boosts the immune sys-
tem, heals the lungs and
improves circulation.
2. Meditation also causes
increased alertness and the
ability to interact with others
and surroundings. The
increased oxygen in the blood-
stream of the elderly user of
meditation will cause brain
functions to improve.
3. Because both the mind and
the body become more relaxed,
the mental and physical health
of the individual is improved
drastically. Seniors who suffer
from depression can benefit
from meditation. During medi-
tation, feelings of happiness are
created in the mind, which
increases daily happiness and
satisfaction.
4. Meditation improves physi-
cal energy, making the senior
years just as rewarding as
other life phases. Meditation
is also easy to learn and
requires no certain religious
affiliations. The fact that
meditation is flexible and easy
to do makes it a great choice
for everyone, quickly enrich-
ing the lives of seniors.
5. A study, published in the
Journal of Brain, Behavior &
Immunity, shows that eight
weeks of training in mindful-
ness meditation is linked with
decreased loneliness. Aside
from alleviating loneliness,
mindfulness meditation has
also been shown in past
research to have positive effects
on the brain linked with
brain changes that may even
have effects against mental ill-
ness.
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, visit www.dorsonhome-
care.com or call 973-672-7691.
visit our website at www.lifeandleisurenj.com September 18, 2013Page 14, Zone 3
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The break-even point
in your business is
where all direct and
indirect costs have been met.
You are neither making nor
losing any money. The break-
even point can be measured in
number of units sold, dollars
of total sales or possibly hours
billed out.
To calculate your
breakeven point, you must
first determine your direct
(variable) and your indirect
(fixed) costs. Direct costs vary
with the number of units sold.
For every unit you sell, you
must buy another set of the
components. Your indirect
costs dont normally vary for a
given volume of business.
Your gross profit per unit
(sales less direct costs, known
as the contribution margin)
goes toward paying for these
indirect costs. Once the indi-
rect costs have been paid, you
have reached the break-even
point. The gross profit from
every unit sold over the break-
even point goes to the bottom
line as profit.
To simplify this exam-
ple, lets assume that you run
a food stand that sells only
hamburgers. For every burger
you sell, you need to buy
meat, a bun, trimmings,
and a paper serving plate.
Assume your burger sells for
$6 and the total of the direct
costs is $2 per burger. This
means that you have a con-
tribution margin of $4 to go
toward fixed costs.
Your fixed costs include
such things as rent, insurance,
advertising, taxes and so on.
Within limits, selling a few
more burgers will not cause
these expenses to increase. If
your total fixed costs are $100
a day, your breakeven point is
25 burgers or $150. Once you
pass 25 burgers, $4 from each
additional sale goes to your
bottom line as profit.
For assistance in deter-
mining your break-even point
and its effect on your prof-
itability, give us a call.
Robert P. Sokoloff, CPA & As-
sociates, PC is a full-service ac-
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Do you have any strate-
gic alliances with
affiliated businesses?
These are businesses that are
complimentary to your busi-
ness. Examples of complimen-
tary businesses include plumb-
ing, electrical, carpentry,
HVAC, landscaping, win-
dows, furniture, doors, paving
and concrete. Each of these
companies comes across two
to five sales leads every
month. If not, they are not
networking or asking the
questions. You should have a
list of at least 25 other compa-
nies that you refer business to,
and that refer business back to
you. And youd better be
tracking both.
By bringing other con-
tractors to your customer, you
are insulating yourself against
competition. If I were an elec-
trician and brought a plumber
to my customer, the last words
out of my plumber to my cus-
tomer better be, I know
another electrician.
What about competitive
businesses? Have any alliances
with them? Yes, your competi-
tors. Some competitors are
really nice people! I have sev-
eral electrical contractors that
are friendly competitors. They
have signed agreements not to
try to take each others cus-
tomers. They share employees
when they can, which is bet-
ter than hiring and firing, and
gives current employees more
confidence that they have a
job long-term.
Do you have strategic
alliances with your suppliers?
Have you received a sales lead
from your suppliers? And not
just the suppliers in your
industry. Your insurance
agents, bankers, lawyers,
accountants, printers, clean-
ers, maintenance and delivery
service members, caterers,
contractors have they
brought you business? You
should have a chart in the
office and make it a competi-
tion. Send every supplier a let-
ter once a quarter to
announce the top suppliers
and who is on the bubble.
If you would like more
info on networking and to see
how it is really done, check
out some great networking
meetings at www.join24-
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Doyle at 973-697-8872 or
visit our website at www.lifeandleisurenj.com September 18, 2013Page 16, Zone 3
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i it b it t lif dl i jSeptember 18 2013 Zone 3 Page 17
7/29/2019 221657_1379071392Sept 18 2013 Z3
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One of the hot new
trends in hardwood
flooring this season is
the use of beautiful brown
flooring colors to inspire home
decors by bringing nature
indoors. Touted as the colors
of tomorrow by a leading
Canadian hardwood flooring
manufacturer, these new colors
already have interior design
professionals and enthusiasts
buzzing.
Mercier Wood Flooring,
one of North Americas leading
hardwood flooring manufactur-
ers, recently rounded out its
Design + Program for hard-
wood floors with two trendset-
ting hues Autumn Leaf and
Kalahari which they called
the colors of tomorrow during
their official launch.
Mercier Wood Flooring
is always on top of the latest
trends and never more so than
today with the launch of these
new colors, said designer
Nancy Soccio of Dolce
Interieur in Montreal. My
clients are always looking for
these types of contemporary,
yet nature inspired colours that
work great in modern and clas-
sic decors.
According to Michel
Collin Marketing Director for
Mercier theyre latest offering
have already become favorites
with clients. A perfect blend
of dark brown tones, Autumn
Leaf is resolutely contemporary
yet gives the impression that
nature has really come into
your home, he added. And
because it respects the funda-
mental principles of global har-
mony, it will go well with any
style.
Kalahari, another popular
hue from this years palette, fea-
tures beautiful gold and cognac
tones. Soccio liked the versatil-
ity of this color that can be used
in any decor. Delightfully par-
adoxical, Kalahari is both
trendy and timeless, she
explained. With its warm
color it will brighten up any
room. Its ideal for both chic
contemporary spaces and those
that are more modern or coun-
trystyle. These new colors are
available in solid, engineered
and LOC versions in varying
widths. More information on
the latest trends in wood floor-
ing is available at www.mercier-
woodflooring.com.
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 3, Page 17
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visit our website at www lifeandleisurenj com September 18, 2013Page 18, Zone 3
7/29/2019 221657_1379071392Sept 18 2013 Z3
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visit our website at www.lifeandleisurenj.com September 18, 2013Page 18, Zone 3
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 3, Page 19
7/29/2019 221657_1379071392Sept 18 2013 Z3
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7/29/2019 221657_1379071392Sept 18 2013 Z3
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Home may be where
the heart is, but italso can be an
unsafe place if safety hazards
are not recognized and
addressed.
The Consumer Product
Safety Commission says that
each year 33.1 million people
are injured by consumer
products and other dangers
in the home. Here is a collec-tion of home hazards that
can compromise safety in and
around the house.
Flooding: Super storms have
been wreaking havoc on
many areas of the country.
Flooding is a common side
effect of strong rains and
high tides, and the aftermath
of a flood can turn a homefrom a haven into a hazard.
Microorganisms in flood
waters may contaminate
drinking water, and wet walls
and floors can present a
breeding ground for insects,
pests and microorganisms
like mold and mildew. The
National Safety Council says
microorganisms can pene-trate into soaked, porous
materials and later be
released into the air and
inhaled. Flooding also may
lead to weakened or rotted
floorboards.
Magnets: Very small magnets
are popular in jewelry, toys,
building sets, and more. The
number of products with
strong magnets has in-
creased, which may pose sig-
nificant safety threats to
children. The CPSC says
that magnets have con-
tributed to one death and 86injuries since 2005. Eight
million magnetic toys have
been recalled. Magnets that
are swallowed may not pass
easily through the digestive
system. Oftentimes, they can
get trapped in place when
attracted to one another or a
piece of metal and pinch or
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continued on next page
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 3, Page 21
7/29/2019 221657_1379071392Sept 18 2013 Z3
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twist the intestines, poten-
tially causing blockage orinfection.
Furniture tip-over:
Large furniture and electron-
ics that are not balanced well
or anchored to a wall can be
pulled over by children and
even adults. Small children
can be seriously injured by
tip-over accidents. Tip-overs
cause an estimated 22 deathsper year.
Pools and spas: While
drowning in pools and spas is
a leading cause of death,
there are other dangers lurk-
ing. Faulty underwater light-
ing, appliances that fall into
the water and aging wiring
can result in electrocution.
The CPSC notes that suc-
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The majority of suction acci-
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Recognizing safety hazards around the house
continued from previous page
continued on page 22
visit our website at www.lifeandleisurenj.com September 18, 2013Page 22, Zone 3
7/29/2019 221657_1379071392Sept 18 2013 Z3
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suction can hold an adult
underwater. There have evenbeen cases of people being
disemboweled from pool
drains. Installing a safety
vacuum release system thatturns off the pool pump when
a drain is blocked can pre-
vent entrapment.
Fire: Home fire injuries arehighest among seniors and
children under the age of
five. In addition, home fires
are a leading cause of emer-gency room visits. Smoke
alarms on every level of the
house can alert to danger, but
ensuring candles are extin-
guished and electrical wiring
is up to date and making sure
space heaters and other
appliances are not left
unattended can help
prevent fires.
Garage doors: The CPSC
says an average of 20,000
people each year are treated
in the hospital for injuriescaused by garage doors. From
fingers and toes getting
trapped to heavy doors
falling on children and
adults, garage doors can
cause serious injury.
Fall s: Falls are a leading
cause of injury to people of
all ages. Falls down stairs,
from windows and off of lad-
ders are just some of the rea-
sons people visit emergency
rooms each and every day.
Ensuring there are no trip-ping hazards around the
house and also having sturdy
handles and guardrails pres-
ent for use by the elderly can
help prevent some falls.
There are many dangers
lurking around the house,
and awareness of such haz-
ards can help prevent serious
injury.
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Recognizing safety hazards around the house
continued from page 21
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 3, Page 23
7/29/2019 221657_1379071392Sept 18 2013 Z3
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12 Main Street, Butler, NJ 07405
973.283.0454 973.283.4339 973.283.4331
Free Delivery Take-Out Dine-In
ForOur
COMPLETEMenuItems,
VisitUsOnline!AJsPizzaOnline Ordering Available/www.ajspizzaonline.com/ Catering Available
Party SubsAll subs include lettuce, tomato, onions, oil and vinegar
3 ft. 4ft. 6ft.Italian ........................$45.00 ..............$60.00 ..............$90.00
Turkey ........................$45.00 ..............$60.00 ..............$90.00Roast Beef ..................$45.00 ..............$60.00 ..............$90.00
Turkey w/ Cheese........$50.00 ..............$67.00 ..............$100.00Roast Beef w/Cheese ..$50.00 ..............$67.00 ..............$100.00
Wrap PlattersAvailable with Whole Wheat, White, Tomato BasilAsk for Lettuce, Tomato, Onion & Dressing
Small (9pc) Large (18pc)Buffalo Chicken ......................................$18.00 ..............$36.00Italian ....................................................$18.00 ..............$36.00Chicken Caesar ......................................$18.00 ..............$36.00Cheese Steak..........................................$18.00 ..............$36.00Grilled Chicken ......................................$18.00 ..............$36.00
Sandwich PlattersAny mix of sandwiches available
Small (12pc) Large(24pc)Ham & Cheese........................................$12.00 ..............$24.00Italian ....................................................$14.00 ..............$28.00Chicken Cutlet, Grilled or Breaded ..........$14.00 ..............$28.00
Tuna ......................................................$14.00 ..............$28.00Turkey & Cheese ....................................$16.00 ..............$32.00
Roast Beef & Cheese ..............................$17.00 ..............$34.00Eggplant,Fresh Mozz.& Roasted Peppers..................................$17.00 ..............$34.00Grilled Chicken,Fresh Mozz.& Roasted Peppers ................................$18.00. ..............$36.00
&+ )""&+$(#' $#"''#' $,,&""(!'
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visit our website at www.lifeandleisurenj.com September 18, 2013Page 24, Zone 3
7/29/2019 221657_1379071392Sept 18 2013 Z3
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710 NEWARK POMPTON TURNPIKE , POMPTON PLAINS973-835-1426 www.gillysrestaurant.com
RESTAURANT
z3
MUST PURCHASE A BEVERAGE WITH EACH MEAL .
DINNER ONLY INCLUDES SOUP OR SALAD.
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*
Strip SteakNShrimp ScampiWITH BAKED POTATO FOR A LIMITED TIME
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* *
Call to schedule acomplimentary consultation:
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Italian Restaurant
Findingthe RightRestaurant
for YourDinnerParty
Over the last couple of years, dining out has become an even bigger luxury than itonce was. Thanks to the struggling economy, many people have decided to cutback on spending, and dining out has become casualty of such events.
While the economy is gradually rebounding, dining out is still largely reserved forspecial occasions among those whose memory of the recession is still fresh. However,dining out does remain a strong choice when hosting a special occasion such as a birthdayparty or anniversary celebration. When choosing a restaurant to have such a gathering,consider the following tips to ensure that rare restaurant night out goes off without a hitch.
NEWwhats
in dining?
Look for versatility in a menu. Whendining out, the emphasis is obviously on thefood. Couples might enjoy certainrestaurants they have previously patronized,but that does not necessarily make therestaurant ideal for a party. When shoppingfor a restaurant, look for one that boasts aversatile menu that can cater to a vast arrayof palates. Especially for larger parties, theversatility of the menu is very important.Restaurants that boast a large entreeselection that includes meat, poultry,seafood, and even vegetarian dishes ensures
each guest has options. Examine the elbow room. Because diningout has become such a luxury, comfortshould be another key consideration. Look
for a restaurant that provides ample elbowroom so everyone can relax and wont feelcrowded.
Be sure there are places to park. Chancesare, most guests will be driving to the party.While it seems like an afterthought, therestaurant should provide ample, and ideallyfree, parking. Avoid restaurants that chargefor valet service or inquire if such servicecan be included on the tab ahead of time.
Reserve well in advance. If its a trulyspecial occasion, be sure to begin the processof finding a restaurant as early as possibleand make a reservation the moment adecision is made. Reservations can alwaysbe cancelled should things not work out.
Indian Restaurant
Family Restaurant
Fine Dining
Seafood Restaurant
Only In Life& Leisure
To Advertise Call973.696.8008
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 3, Page 25
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6 ounces thickly slicedbacon, coarsely chopped
1 large red onion, finely
chopped
1/4 cup finely chopped celery
15 ounces frozen corn,
thawed (3 cups)
3 cups whole milk
1 pound red potatoes,
scrubbed and cut into
1/2-inch dice
1/2 cup heavy cream
2 tablespoons mincedchives, plus more for
garnish
Salt and freshly ground pepper
Tabasco
1/2 pound medium sea
scallops
In a large saucepan, cook
the bacon over moderately low
heat until crisp, 10 minutes.
Transfer the bacon to paper
towels to drain. Pour off 2tablespoons of the bacon fat
and reserve. Add the onion
and celery to the pan. Cook
over low heat until softened,
12 minutes.
Meanwhile, in a food
processor, puree 1 cup of the
corn with 1 cup of the milk.
Add the corn puree to the
saucepan along with the
remaining 2 cups each of corn
and milk and the potatoes.
Simmer over low heat untilthe potatoes are tender, about
20 minutes. Stir in the cream,
chives and the reserved bacon.
Season with salt, pepper and
Tabasco and keep warm.
In a large skillet, heat the
reserved 2 tablespoons of
bacon fat until shimmering.
Add the scallops, season with
salt and pepper and cook over
moderately high heat until
browned, about 1 1/2 minutes
per side. Ladle the soup intobowls; top with the scallops
and chives and serve.
Make Ahead The recipecan be prepared through Step
2; refrigerate overnight.
Corn Chowder with Bacon and Sea Scallops
Fresh seafood, the finest quality meats, seasonal ingredients and a chef whoensures every course is prepared to perfection. Thats our recipe for success.
49 MAIN STREET | BLOOMINGDALE973.492.2211 | 1.888.522.Lina (5462) | www.LinasRistorante.com
Just off Routes 23 & 287 Open Wed, Thurs & Sun 12pm-11pm Fri & Sat 12pm-12am
DAILY LUNCH BUFFET $6.95& Full Menu with Specials
Restaurant & Fine Catering Catering For All Occasions, On & Off Site Gift Certificates Available
Take-Out Full Bar
ATouchOfItalyInBlo
omingdale
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LinasA Touch Of Italy In Bloomingdale
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WE WILL BE OPENFOR PRIVATE PARTIES ON
MONDAYS & TUESDAYSvisit us on facebook
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Ferati's PizzaToppings Extra. Not to be combined w/any other offer. Exp. Oct. 31, 2013
Ferati's PizzaToppings Extra. Not to be combined w/any other offer. Exp. Oct. 31, 2013
Ferati's PizzaToppings Extra. Not to be combined w/any other offer. Exp. Oct. 31, 2013
Ferati's PizzaToppings Extra. Not to be combined w/any other offer. Exp. Oct. 31, 2013
HALF OFFBuy 1 Plain Pie Get 2nd Half Off
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Ferati's Pizza
Toppings Extra. Not to be combined w/any other offer. Exp. Oct. 31, 2013
To Advertise
Call 973-696-8008
visit our website at www.lifeandleisurenj.com September 18, 2013Page 26, Zone 3
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Many life events are
worthy of celebra-tion. Many fami-
lies aspire to have parties
honoring special events, such
as graduations, births, retire-
ments, bar mitzvahs, Sweet
Sixteens, and much more.
Hosting such a party can be a
great time, and such host-
ing duties need not break
the bank.Hosting a party can be
an expensive undertaking.
An unsteady economy has
left many families pinching
pennies for the necessities,
and hosting duties are a luxu-
ry many families cannot
afford. But hosts who can
create a budget ahead of time
might find their party is easi-er to plan. Creating a party
budget may mean compro-
mising on a few elements,
but it does not have to mean
compromising a good time.
Here are a few ways to budg-
et for a party and still have
a blast.
Determine a realistic party
budget. The first step is todetermine exactly what you
can spend. You will need to
base all of your plans on what
you can afford. It can be
tempting to go above budget,
but that may land you in
debt. Without a budget, you
will not know how to allo-
cate your money effectively.
Get price quotes from vari-ous venues. The cost of rent-
ing a venue will likely be the
biggest expense on your list.
But you can save a substan-
tial amount of money if you
can host at home. Those who
have limited house or apart-
ment space need to seek
other options. While restau-
rants may be expensive,
parks, gardens or church
basements may be morereasonable.
Figure out what elements are
important. Are your guestsgourmands who pay special
attention to food quality and
taste? If so, you may have to
spend more on food and bev-
erages. If a flashy location is
more desireable, then know
that a large portion of the
budget will be allocated for a
place with a view. Some peo-
ple flock to parties for the
entertainment. If you are like-
minded, then budget a larger
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Life & Leisure
The Dining Guide Section
Throw a great party on a budget
continued on next page
visit our website at www.lifeandleisurenj.comSeptember 18, 2013 Zone 3, Page 27
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portion for the band or deejay.
Keep a tally. As you startsecuring elements to the
party, be sure to deduct the
expenses from the total budg-
et. Hold on to all receipts
and reconcile them against
the amount you have to
spend. This will present an
accurate picture of the totalcost of the party. If you start to
break your budget, you will
know you it's time to curtail
any additional spending.
Don't plan on the gifts cov-
ering expenses. Some fami-
lies circulate tales of brides
and grooms dipping intotheir gifts at weddings to pay
for the party. Those who
have to do this have overex-
tended themselves. Many
throw parties with the inten-
tion of breaking even once
monetary gifts are collected.
Not only is this in poor eti-
quette, it is risky. There is no
guarantee that guests will
cover the cost of their meals.
Do as much as you canyourself. Cutting out the
middleman will dramatically
reduce the cost of many party
services. If you want floral
centerpieces on tables, make
them yourself. If you want
guests to take home choco-
late lollipops or other trin-
kets, spend time putting
them together. Printing your
own invitations reduces the
cost of using a printing serv-ice or buying them. Set your
own playlist of compiled
music on an mp3 player for
the music. If hiring a caterer
exceeds your budget, prepare
the food yourself. The more
services you can provide on
your own, the less expensive
the party will be.
Pare down the guest list.Another significant way to
come in at budget is to be
realistic about how many
people you can invite. While
it may be nice to extend an
invitation to everyone you
know, that will quickly drive
up the price. Only invite the
closest of friends and family.
Delegate some of the work.
If a friend or family member
offers to bring something tothe party, don't hesitate to
accept such an offer. You may
know someone who takes
excellent photos or a friend
who has a deejaybusiness on
the side. Every little bit helps
when working on a budget.
Start saving early. Look
ahead to the events that are
coming up that may warrant a
bash. Pick and choose among
those you want to celebrateand begin putting away
money toward those events.
Once the time arrives, you
may have more savings than
you thought and the ability to
indulge a little more.
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Throw a great party on a budget
continued from previous page
visit our website at www.lifeandleisurenj.com September 18, 2013Page 28, Zone 3
7/29/2019 221657_1379071392Sept 18 2013 Z3
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Coldwell Banker Resi-dential Brokerage sales
associate Cindy Gall-
agher continued her exemplary
record of sales performance in
July. Of the companys approxi-
mately 3,000 sales associates in
NJ and Rockland County, NY,
Gallagher ranked No. 38 in
gross commission income and
No. 40 in units sold out.
Gallagher is based in the com-
panys Kinnelon office.Cindy possesses unsur-
passed knowledge and insight
about the Kinnelon commu-
nity, as she is a proud lifetime
resident with more than 20
years of real estate experience
serving this area, said Jane
Trust Ryan, branch vice presi-
dent of Coldwell Banker
Residential Brokerage in
Kinnelon. Cindy has built a
legacy of trust among herclients and