1382697082oct 30 2013 Z2 LOW REZ

T
onys Boulevard Service

Center has been keep-
ing motorists safe in
Pompton Plains and the neigh-
boring communities for over 21
years.
As the winter season
approaches, owner Anthony
Cangialosi encourages
all car owners to have
their vehicles checked
out. Tonys will ensure
all belts, hoses, heating
system, tires, fluid lev-
els, filters and batteries
are prepared to carry you
safely through the win-
ter.
Cangialosi origi-
nally opened the automotive
repair service on the Boulevard in
1992. Eight years later, he
expanded to a second location,
Pompton Plains Sunoco at 547
Newark-Pompton Turnpike.
Between the two locations,
there are six service bays to
ensure fast and efficient repairs.
Most repairs are complet-
ed same-day, Cangialosi said.
Tonys services all car
repair needs, from transmissions
and engines to basic mainte-
nance. The repair team performs
front-end alignments, computer
diagnostics, tune-ups and all
scheduled factory maintenance.
They also work on brakes, sus-
pensions and exhaust systems,
and handle Goodyear, Fire-
stone, Continental and
Michelin tires.
All technicians are trained
and licensed, with expert knowl-
edge in both domestic and import
vehicles. To further guarantee
accuracy and safety, Cangialosi
employs state-of-the
art computer diagnostic
equipment.
We are known for car-
ing for our customers
safety, said Cangialosi.
We get the work done
right the first time, and
at an affordable rate.
And, Cangialosi says,
customers can always
count on one additional thing:
Honest service at a competitive
price.
Tonys Boulevard Service
Center is also a licensed state
inspection and emission repair
facility.
To request an appointment
call Tonys at 973-835-2333 or
Pompton Plains Sunoco at 973-
835-1217.
Tonys cares for cars and customers safety
HAVE A HAPPY &
SAFE HALLOWEEN
Proverbs 3:5,6 God Bless America
Recycled Paper from 30% Post Consumer Waste
October 30, 2013
Zone 2, Vol. 11, No. 21
We are a Family, Friendly Publication
continued on page 6
NOTE: To have your groups announce-
ment appear in Community Happenings,
please e-mail your paragraph to calen-
dar@lifeandleisurenj.com.
NOV 5
Enjoy time with friends and family
and help the Montville Animal Shelter.
Join us at the Bonefish Grill, 28 RT 46,
Pine Brook on November 5 from 5-
7pm for beverages & appetizers.
Tickets $25 - includes 2 beverages,
appetizers and tip. Tickets are limited.
3 ways to purchase tickets: www.
montvillepetparents.org - click donate,
include Bonefish in the comments,
mail check payable to MPP to PO Box
231, Pine Brook, NJ 07058 or email
us at info@montvillepetparents.org.
NOV 10
The Knights of Columbus in
Pequannock is having a Country Dance
(line and partner)/Pasta Dinner on
Sunday, November 10 from 4-8pm
with the Due South Band (country,
classic and southern rock) at Knights
of Columbus Hall, 84 Lincoln Park Rd,
Pequannock. Tickets are $25 and
include pasta dinner, soda, desserts,
coffee, and cash bar. Call Mike at 201-
213-3910 for tickets by November 3.
www.facebook.com/KnightsOfColumb
usPequannock
NOV 12
The November 12 Montville Township
Chamber of Commerce Info/Luncheon
will be hosting Mr. Art Goetz, FEMA
Representative, as he discusses
Developing a Business Continuity and
Disaster Preparedness Plan For Your
Business at the Bonefish Grill, 28 Rt.
46 W. in Pine Brook. from 12-2pm
This is a must see for business owners.
Cost is $20.00 for member and
$25.00 for non-members. Please go to
the Chamber website at www.montvil-
lechamber.org to register. PayPal is
now accepted or call the Chamber
office 973-263-3310.
NOV 13
Pequannock UNICO has a few seats
open for their bus trip to Mt. Airy
Lodge & Casino Resort on Wednesday,
November 13. Ticket price is $29 per
person. Deadline for reservations and
payment is October 25. Please call
Joe Carabello at 973-835-0208 or
Joan Deodato at 973-696-3799 for
information and reservations.
NOV 16
Montville Reformed Church Womens
Guild is hosting a Holiday Shopping
Bazaar. This one stop shopping event
will be held on Saturday, November 16
from 10am-3pm. All vendor spots
have been filled. We have various ven-
dors, home party demonstrators and
crafters. The Womens Guild will also
have bracelets for sale. Best of all its
free admission. The kitchen is open
and muffins and bagels will be for sale
when we open; for lunch-homemade
soups; for dessert-our famous baked
goods table. Come and do your
Holiday shopping all under one
roof. For a list of the vendors please
go to the church web site at
www.montvillereformed.org.
Around the
Community...
The Montville Township Chamber of
Commerce is requesting your assis-
tance in providing names of candi-
dates for its 2013 Annual Awards. This
is an exciting opportunity to give cred-
it to someone in our Community who
goes above and beyond. To make
your job easier, we have established
the following categories for award
recipients: Business Person or Business
of the Year, Organization of the Year,
Citizen of the Year, Beautification
Award, Public Safety Award, Public
Service Award, Silver Service Award.
For your convenience, the Awards
Criteria and a Nomination form are
on the Chambers website at
www.montvillechamber.org. Please
forward your recommendations to the
Chamber office no later November 13.
Thank you for giving this some
thought and providing your guidance.
November programs at the Lincoln
Park Public Library. Rizzos Reptiles,
Saturday, November 2 from1-2pm, all
ages. Get up close and personal with a
boa, baby alligator, lizards, turtles,
and more! Young Rembrandts
Drawing Class; Wednesday, November
visit our website at www.lifeandleisurenj.com
October 30, 2013 Page 2, Zone 2
100% Mailed, Bi-Weekly Newspaper
234 Main Street, 2
nd
Floor
Lincoln Park, NJ 07035 i 973.696.8008
Publisher: Joe Pellegrino i Editors: Bethanne Pellegrino & Kenneth Nicholas i Art Director: Robin Banta
Sales: Lisa Buniewski, George Papendick, i Classifieds: Kathleen Todd
Please e-mail all press releases and calendar information to calendar@lifeandleisurenj.com 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 Life & Leisure. Views expressed in Life & Leisure are
those of the respective columnists and writers, and do not necessarily reflect those of the publisher, or Life & Leisure. Advertising is open to anyone
desiring 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 the
author 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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FREE WiFi in Waiting Area Hours: Mon-Sat 8am-6pm, Sun 8am-4pm
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continued on next page
6 from 4:30-5:30pm; Grades K-3.Take
a free drawing class at the Library
from a Young Rembrandts art teacher!
Please register for these programs by
calling 973-694-8283 or e-mail
rachel.burt@lincolnparklibrary.org.
Thanksgiving Scavenger Hunt,
Tuesday, November 26 from 2-3pm,
all ages. Stop by after schools early
dismissal for a scavenger hunt at the
Library! You will also receive a special
scavenger hunt to work on during
Thanksgiving Day. Then, bring your
completed scavenger hunt back to the
library for a prize.
The Montville United Methodist
Nursery School 29 Whitehall road
(Route202) Towaco will be sponsoring
a collection for the battered Womens
Shelter during the months of October
and November, until Thanksgiving.
Items needed include personal care
items and feel good accessories to help
give comfort to the womens situa-
tions. Items may be donated directly
to the Nursery School anytime from
8am-4pm. Some suggested items may
include cosmetics, womens hygiene
products, hair brushes and small beau-
ty accessories. We hope you will join us
in this goodwill endeavor. Any ques-
tions call the school at 973-334-3924
True Vine Christian Center, located at
99 Two Bridges Road in Lincoln Park
offers a food pantry which is open
every second & fourth Wednesday of
the month. Remaining 2013 dates are
as follows: October 23, November 13
& 27, December 11 & 19 (this is the
third Wednesday since the forth is
Christmas Day). The hours are from
5:30-6:45pm. It is for families that
are in need.
Whether you are still suffering from
the bleak memories of war or have
resolved to put it all behind you, Point
Man Ministries is for you. Point Man is
a Christian ministry dedicated to help-
ing veterans find peace with them-
selves and the world around them. If
you are doing fine after the war, thats
fantastic but dont forget about your
buddies who are still suffering. Find
out how you can help. Call Barry
Jensen at 973-809-9665. Point Man
Ministries meets the first Thursday of
every month from 7:30 9:30pm at
Cornerstone Chapel 620 Route 23
North, Pompton Plains.
The Montville Township Womens Club
has an ongoing project: comfort pil-
lows for breast cancer patients. A
team of club members, seniors, and
volunteers from surrounding cities
participates in this worthy project.
Even heart surgery patients have
found use for these comfort pillows.
Call Chairperson Alexandria Sarra at
973-405-0088 for more information.
All monetary donations, used to pur-
chase polyfill for the pillows, should be
made payable to MTWC and should
indicate Comfort Pillow in the
memo. Please mail checks to P.O. Box
267, Montville, NJ 07045.
Mothers & More is a not-for-profit
group for both stay-at-home and
working moms. It features monthly
meetings, playgroups, mom-and-tot
outings, mom-night-outs, and much
more. Members are from Wayne and
all surrounding towns. Monthly meet-
ings are on the first Monday of each
month (unless a holiday) at 7:30pm at
Our Savior Lutheran Church, 670
Newark Pompton Turnpike, Pompton
October 30, 2013 Zone 2, Page 3
Welcome Dental Exam $95
Includes Complete Set of X-Rays and
Oral Cancer Screening
New Patients Only
Community Happenings
continued from previous page
continued on page 10
T
hough annuities have
been around since the
days of the Roman
Empire, they have gone
through many metamor-
phisms, especially since the
1950s. Yet many people have
little to no idea how these
much maligned financial prod-
ucts can create a secured guar-
anteed retirement income
without giving up one penny of
principal. Even respected peo-
ple in the financial media are
totally misinformed about
annuities, spewing incorrect,
false and incomplete informa-
tion about annuities of all
types. I am appalled by the
annuity venom of TV person-
ality SZ, radio supposed guru
RK and print pundit KN.
To protect the guilty I have
somewhat disguised their
names here, but I believe you
know whom I am referring to.
So in the spirit of these spokes-
people, we will start our con-
versation with the ugly.
SZ says: Never put your
IRA into an annuity because
an annuity is tax deferred and
so is your IRA, so why pay for
tax-deferral through an insur-
ance company with your
IRA? What a bunch of bunk!
Do you know how much the
insurance company charges for
tax deferral? Absolutely noth-
ing! Tax deferral for annuities
is sanctioned by congress. So
there must be another reason
to put your IRA into an annu-
ity, and there are many. More
about that later in the good
section of this article.
RK says: Annuities are
just too expensive and there
are many other less expensive
alternatives. Compared to
what? A 1972 Ford Pinto and
a 2013 Rolls Royce Phantom
will both drive you to work
every day, but the 1972 Pinto
Were With You
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Annuities: the good, the bad and the ugly! By Mark Charnet
could explode if hit in the rear
along the way. Though your
insurance would replace the
car in that event, who would
replace you? Along with style,
grace, prestige and the finest
ride in the automobile uni-
verse, if you get hit in the rear
while driving your Rolls
Royce, you certainly wouldnt
blow up. In fact, you and your
car would probably be
unscathed by the event. My
first car was a 1972 Pinto that I
rolled over on its side when
making a turn at 5 mph on wet
pavement. When driving my
1994 Bentley, identical to a
Rolls Royce of the same year,
the traffic came to a sudden
stop from 40 mph on Route 23.
I stopped, but the young col-
lege student behind me never
even hit the brake, plowing
into me with her Nissan. The
hood of her car folded in half
to the windshield. My car had
two small scratches where her
license plate screws were locat-
ed. There was absolutely no
damage to the car, to me or my
passenger. Does that mean the
difference in price between the
Pinto and the Bentley might
have saved me from bodily
harm or even my life? Ill let
you decide. I do know if I were
hit like that in the Pinto, I
would not be writing this col-
umn today.
What about your portfo-
lio and retirement income?
Are they crash proof?
Annuities can be designed to
be crash proof! Is there a fee for
that feature? Absolutely! Is it
worth it? Ill let you decided
that for yourself, too.
KN just doesnt like
annuities. Probably because
he doesnt sell them and it
takes away dollars from what
he does like to sell to his
clients: assets under manage-
ment. Stocks, bonds and
mutual funds can all be held
in a managed account that
generates fees and or commis-
sions. Most annuities do not
fit well into this system and
fee-based financial planners
loathe embracing products
that do not pay on-going fees.
The bad: Due to igno-
rance and the promulgation of
faulty and negative informa-
tion spread by these media per-
sonalities and others cou-
pled with antiquated informa-
tion about modern day fixed-
indexed and variable annuities
the public is once again dis-
served by their regular
resources for information. It is
imperative that they get the
facts from knowledgeable
trained and licensed profes-
sionals in the annuity industry
and with those facts be ready
and able to make the informed,
potentially portfolio-saving
and perpetuating decisions.
The good: I am a licensed
annuity representative and a
certified annuity specialist,
uniquely qualified to render an
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Annuities: the good, the bad and the ugly!
continued on page 6
T
he U.S. Food and
Drug Administration
(FDA) is going to
explore creating a new sugar
level for products. This is a
number that added sugar cant
exceed in a given product.
The goal is to boost oral
health, and combat diabetes,
heart disease, and other
health issues. The Center for
Science and Public Interest
filed a 54-page petition about
the overwhelming evidence
that added sugars cause major
health problems.
The American Heart
Association claims that no
person should consume more
than nine teaspoons of sugar
each day. The average
American consumes between
18-23 teaspoons of sugar each
day. The average 20-ounce
bottle of soda has 16 tea-
spoonfuls of sugar from high
fructose corn syrup.
Sugary drinks comprise
the largest source of calories in
the American diet.
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. You
may reach him by calling 973-
838-5862 or visit him on the
web at www.drbrusco.com.
Sugar Regulation
By Peter Brusco, DMD
opinion on this subject. I have
rejected fee-based financial
planning from my practice and
have 32 years of financial plan-
ning and annuity experience.
Ive also created the Trinity
Method of Investing, based on
a tri-annuity platform, which
protects your retirement and
portfolio from the five forces of
portfolio demise: market losses,
liability risks, health care costs,
expenses of long-term care and
taxes at death. Simultaneously,
most people Ive encountered
desire Maximizing their
income today while preserving,
protecting and perpetuating
their wealth for tomorrow.
All who employ the TMI
benefit from the protection
and opportunities it provides.
Each persons specific financial
position, goals and needs are
different, as would their partic-
ular design of the TMI be.
When market corrections,
crashes and upheaval occur,
when inflation rears its ugly
head, when the bad news
appears in your rear view mir-
ror, will your portfolio and
financial life be driven by an
explosive 1972 Ford Pinto or a
7,000-pound Rolls Royce? Will
the price of protection be too
high then? Will your road of
financial independence during
retirement be completely
paved and smooth? If so, no
protective measures may be
necessary. However, should
there be a storm or turmoil in
the stock and bond markets, or
an expensive health challenge
sometime along your journey,
then the benefits of a properly
structured portfolio of annu-
ities applied according to the
TMI may be just what the doc-
tor ordered. Are you willing to
wait, unprepared, naked and
vulnerable to see what hap-
pens? Before you answer the
question, a Rolls Royce costs
$450,000 today. A living bene-
fit rider for your annuity can
cost as little as .35 percent
annually. Thats only $350 a
year to protect and guarantee a
$100,000 portfolio. There is
nothing worth $100,000 that
you may own that can be
insured for less than that annu-
al sum! What would SZ, RK
and KN say about that?
Why not pick up the
phone and call for an appoint-
ment to find out more? The
call and the appointment are
free, but the information when
learned and applied could
mean millions more to you and
your family.
Mark E. Charnet, CAS, CSA is
president and founder of Ameri-
can Prosperity Group. APG is
the premier retirement and estate-
planning franchise in the U.S.
with 17 offices in eight states.
Charnet has 32 years of experi-
ence in the retirement and estate-
planning fields and encourages
your inquiries at
877-885-1APG (1274),
973-831-4424 or markchar-
net@1apg.com. For more infor-
mation, visit www.1apg.com. In-
terested in a career in retirement
and estate planning? Visit
www.apgfranchise.com. Securi-
ties through: BCG Securities,
Inc. Member SIPC, FINRA and
a registered investment advisor.
Annuities: the good, the bad and the ugly!
continued from page 5
Tonys Boulevard Service
Center, Inc. has two locations:
276 Boulevard and 547
Newark-Pompton Tpke. in
Pompton Plains. Hours are
8am5pm MondayFriday and
8am12pm Saturday.
Tonys cares
for cars and
customers safety

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DRIVE HOME YOUR BRAND NEW TODAY!
S
enior citizens and the
winter season do not
often get along very
well. During these cold
months, they are supposed to
stay inside because extreme
weather may cause illness or
injury. Here are some winter
activities that are not only
enjoyable but beneficial.
PLAY BINGO. Bingo may
not be the best game for stay-
ing fit while remaining
indoors, but this is a great
game that encourages mental
stimulation. It is also a great
way to make new friends.
This game is not only played
at home, but can also be
found in local halls and sen-
ior clubs.
USE THE TREADMILL.
Treadmills are actually good
friends of senior citizens
while they remain indoors.
Walking on a treadmill daily
is just like walking outside
except that there are no wor-
ries about falling down a
snowy path. It can definitely
keep seniors fit and healthy,
even while staying inside.
WALK UP AND DOWN
THE STAIRS. Winter
activities do not have to be
fancy. Simply walking up and
down the stairs can actually
keep senior citizens healthy.
Sure, it is not as pleasant and
fun as some other activities,
but it burns more calories
and keeps them away from
heart diseases.
TAKE A CLASS. Cooking,
sewing and other kinds of
classes can make the senior
citizen busy and happy dur-
ing the cold months.
Enrolling in a class is a bril-
liant method to meet new
people. In addition, this
improves memory, keeps
their minds sharp and even
boosts their self-confidence.
Learning anything is the best
way to have a healthy mind
and body for a long time.
LEARN TO USE THE
COMPUTER. Winter is a
great time to learn to use a
computer with confidence.
There are online tutorials for
various computer programs
and information about virtu-
ally anything online. One
can travel to museums and
cities around the world, learn
a new language, take an
online class via a college or
other venue, or just goof off
and play games.
Sonia Scott is the owner of
Dorson Home Care, a full-
service home health care
agency providing families
throughout Northern and Cen-
tral New Jersey with compas-
sionate home care services
since 1989. For more informa-
tion, visit www.dorsonhome-
care.com or call
973-672-7691.
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
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973.616.8300
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Occupational Therapy
Sensory Integration
Speech Therapy
Childhood
Weight Loss
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973-686-0060
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Ed.M, MAT, LPC, LCADC
Licensed Professional Counselor
Licensed Clinical Alcohol and
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Counseling for individuals
and couples using a holistic,
person-centered approach.
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973-838-7265
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Five best winter activities for the elderly
G
etting a startup off
the ground is a con-
siderable and reward-
ing achievement. But once a
business has achieved a cer-
tain level of success, business
owners often find themselves
wondering what to do next.
Growing a business may
not prove as challenging as
turning it from a startup into a
successful enterprise, but busi-
ness owners often agonize
over the best way to grow
their businesses. The follow-
ing are a few ideas to grow
your business so you can build
on your initial success.
Open a new location.
Physical expansion is often
the first idea that comes into
business owners minds when
they are thinking about how
to grow their businesses. But
physical expansion is not
always the best way to grow a
business. Before deciding to
open a second location, con-
sider consumer trends to
determine if your company
has staying power, and eco-
nomic trends to determine if
the economy is healthy
enough to support both your
initial location and any addi-
tional locations you plan to
open.
Another thing to consid-
er before opening a new loca-
tion is your management style.
If that style is very hands-on,
then who will manage your
new location, or your existing
one if you plan to oversee
things at the new store?
Physical expansion can be
good for business, but its often
most successful when business
owners have a solid manage-
ment team already in place,
which allows owners to spend
time at both locations.
Diversify your offerings. The
Small Business Administra-
tion notes that diversifying is
a strong growth strategy, pro-
viding multiple streams of
income that can help business
owners survive the slower
months when sales tend to
dip. Businesses known for a
particular product may want
to offer complementary prod-
ucts or services or import or
export others products.
Startups often credit loyal cus-
tomer bases when citing their
reasons for surviving their first
few years, and such customer
bases already trust your brand.
Expanding that brand to
include complementary prod-
ucts or services is a logical
next step to grow your busi-
ness and build on the credibil-
ity you worked so hard to
achieve with your customer
base.
Develop an app. Many of
todays successful startups had
Web sites even before they
opened the doors to their
more traditional brick-and-
mortar stores. While a strong
Web presence is essential for
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E THANKSGIVING
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Guidance for a
Medicare
Supplement
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Senior Health
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Ideas to grow your business
Plains. Prospective members are
always welcomed. For more informa-
tion call 877-221-1581 or e-mail sbot-
byl1@yahoo.com.
Toastmasters provide a supportive
environment to improve public speak-
ing and leadership skills. We meet the
first Wednesday of each month at
Hollywood Restaurant & Pizzeria, 376
Fairfield Road, Fairfield from 7-9pm
Guests are welcomed. For more infor-
mation, visit www.diningtospeak.com.
The Montville Senior Citizens Club is
open to all Montville Township resi-
dents aged 55 and older. The club
meets every first and third Friday of
the month at the Montville Senior
House, next to the police station on
Route 202 South. We serve coffee and
cake at noon before the meeting at
1pm. New members and guests are
always welcomed. For information, call
Celia at 973-227-4591.
SALES SERVICE REPAIRS
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Community
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Call 973-696-8008
W
hile Halloween
can be fun for
adults and chil-
dren, pets might not look for-
ward to October 31 as much as
the rest of the family. When
trick-or-treating time arrives
and the doorbell gets its annu-
al workout, pet parents should
take steps to ensure their dogs,
cats and other companion
animals stay calm and dont
get too frightened or excited.
Halloween is full of deco-
rations, costumes and
strangers ringing your door-
bell. While the excitement
can be thrilling for children,
pets can easily grow scared.
Animals generally become
creatures of routine, and any-
thing that takes them out of
their comfort zones can be a
cause for agitation. Spooky
decorations hung throughout
the house and outdoors pres-
ent new sights and smells. The
doorbell ringing every few
minutes could put skittish pets
even more on edge espe-
cially when they come face-
to-face with hordes of cos-
tumed trick-or-treaters.
Candy, chocolate in par-
ticular, poses a large risk as
well. Even relatively small
amounts of chocolate can be
harmful to cats
and dogs. Thats
because choco-
late contains caf-
feine and theo-
bromine, two dif-
ferent types of
stimulants that
can wreak havoc
on an animals
central nervous
system. Hard
candies may be
swallowed and
become lodged
in the throat or
digestive tract.
Artificial sweet-
eners are harmful to animals,
too.
To help keep pets safe, it
is best to consider the follow-
ing tips for Halloween.
1. Keep pets indoors for the
day. Animals that are fright-
ened may run away or grow
disoriented and get lost. Also,
you never want your pet to be
the victim of a Halloween
prank. Sometimes black cats
are stolen on Halloween. Dogs
left outside may be
at risk for teasing
and taunting, too.
2. Dont take dogs trick-or-
treating. Although you may
have a calm, well-mannered
dog, the crowds in the neigh-
borhood may excite mans
best friend, whose behavior
might be difficult to predict.
Also, other animals that get
loose from homes when the
doors are opened may provoke
your dog. Its enough to keep
your eyes on your children,
never mind being mindful of
your dog, too!
3. Skip costumes for pets. You
may think its a cute idea to
dress your pets in costumes,
but theres a good
chance your pet does
not share your enthu-
siasm. It may stress
out the animal, so
avoid pet costumes.
4. Be mindful of
holiday decorations.
Strings of lights,
fake spider webs
and other decorative items
can be tripping hazards for
pets, while electronic
devices could pose a safety
risk. Avoid lit candles in the
home because cats or dogs
may knock them over.
5. Keep pets secured in a
bedroom or another quiet
space. Your dog or cat may
try to bolt outside every time
you open the door to trick-
or-treaters. Instead, keep the
animals in a bedroom or
laundry area. Not only will
they appreciate the quiet,
but also they wont have a
chance to escape and get lost.
6. Store collected candy out
of reach. Pets are inquisitive,
and they may be drawn to the
sweet smell of candy and
treats. Candy wrappers and
the candy itself can be haz-
ardous to pets. Therefore,
store candy where pets cannot
access it and be sure children
discard candy wrappers.
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
community. The Pequannock
Animal Hospital is located at
591 Newark Pompton Turnpike
in Pompton Plains. You can
reach them at 973-616-0400.
Protect pets from Halloween hazards
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)
Pompton Plains, NJ
973.616.0400
Hours: Mon 8-6pm Tues 8-4pm
Wed 8-7pm Thurs 8-6pm
Fri 8-5pm Sat 8-12pm
FREE Exam
NEW CLIENTS ONLY.
Limit 1 per pet.
Not combinable w/other offers. Expires 11/30/13.
15% OFF
Exam Fee
ONE TIME ONLY. Limit 1 per pet.
Not combinable w/other offers. Expires 11/30/13.
O
p
e
n
S
a
tu
r
d
a
y
s
www.PequannockVet.com
many of todays businesses,
business owners can now go
one step further and create
their own smartphone or
tablet app. Such apps can
allow customers to peruse your
offerings, place orders on-the-
go and perform a host of other
tasks related to your business
without using a computer. An
app can introduce your busi-
ness to a whole new crop of
potential customers, whether
they live around the corner
from your store or halfway
around the globe. Upon intro-
ducing the app, expect some
technical glitches and solicit
user responses so you can
quickly update the app and
make it more user-friendly if
need be.
Form an alliance with other
businesses. Rather than diver-
sifying their product offerings,
some business owners have
found its easier and more
profitable to form an alliance
with other businesses who
already sell complementary
products. Such an alliance can
be good for both businesses, as
each can expand its customer
base without the kind of effort
it takes to open a new location
or the cost of producing new
products. Other businesses
already have lists of prospec-
tive customers who may need
your products, and vice versa.
Alliances can be the most
effective and quickest ways to
grow a business, not to men-
tion the least expensive and
time-consuming.
L
incoln Park Savings
Bank celebrated 90
years of serving the
community with a wine-and-
cheese party on October 5.
The array of beautiful food
was provided by A&A Fine
Foods in Lincoln Park.
Customers had a chance
to win many different prizes,
including an Elysium Spa gift
card, a round of golf at
Meadows Golf Club, a six-
month membership to Spa
23, a gift card to Montville
Inn and a dance lesson to
Fred Astaire Dance Studio.
The grand prize giveaway
was an iPad.
Each party-goer received
a gorgeous hand-painted wine
glass, created by Brushes with
a View.
Lincoln Park Savings
Bank has enabled many fami-
lies to buy the home of their
dreams. In 90 years of business,
Lincoln Park Savings Bank
has never sold a mortgage loan
in a secondary market. This
aspect is very important to the
bank because it shows how
customers can depend on
them to continue to provide
quality service for a loan.
ASSOCIATED EYE PHYSICIANS, P.A.
www.njeyedoc.com
Call Today For Our New Extended Early Morning & Evening Hours!
505 Wanaque Ave., Pompton Lakes 973.835.1222
1033 Clifton Ave., Clifton 973.472.6405
973.835.1222 973.472.6405
Charles D. Crowley, M.D. and his Associates offer eye care for the entire family
from surgery to glasses.
HIGHEST PRICES
PAID ON THE SPOT
Paragon Jewelers
Record High Gold Prices
Sell The Gold Jewelry
You No Longer Wear
We Also Buy Sterling Silver & Coins
Rt. 23 N. & Jackson Ave.
Pompton Plains
In The A&P Shopping Ctr.
Next To Home Goods
& T.J. Maxx
973-839-0611
Open Tues.-Fri. 10-6, Sat. 10-5
Gold Now $1,325 oz.
Lincoln Park Savings
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Ideas to grow your business
Knee Pain
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18 Newark Pompton Tpke., | Riverdale
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T
he arrival of autumn
ushers in cooler days
and less hours of sun-
shine. As much of the coun-
try turns its clocks back an
hour, night descends that
much earlier, prompting a
greater reliance on artificial
light and electricity. When
the time comes to turn clocks
back, eco-conscious men and
women can employ various
strategies to conserve energy.
Change light bulbs. Tra-
ditional incandescent bulbs
are not the most energy effi-
cient option available. The
United States Department of
Energy says incandescent
bulbs use a lot of energy to
produce light, but a signifi-
cant amount of energy to pro-
duce heat as well. Ninety per-
cent of the energy used by
incandescent bulbs is given
off as heat, so it is more eco-
nomical and efficient to use a
bulb that cuts down on heat
production. Compact fluores-
cent lamps, or CFLs, qualified
by Energy Star use about one-
fourth the energy and last ten
times longer than a compara-
ble incandescent bulb that
puts out the same amount of
Residential
Commercial
Industrial
Concrete Work
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973-838-0866
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Green ways to embrace shorter, colder days
light. Light-emitting diode,
or LED, bulbs are a much
more energy-efficient option,
and LEDs last 25 times longer
than incandescent bulbs.
Turn lights off when rooms
arent being used. It can be
tempting to turn on all of the
lights on in a home when
darkness arrives. But this
wastes both energy and
money. Turn lights off when
you exit rooms. Try to gather
the family in a centralized
location that is full of ambi-
ent and task lighting in an
attempt to concentrate light-
ing usage rather than spread-
ing it out all over the house.
Rely on timers or automat-
ed systems. Standard timers
or more complex app-synced
house management systems
enable homeowners to turn
their lights or even appli-
ances on and off at key times.
Those with a smartphone or
tablet can log in and manage
their homes from a remote
location, turning lights on or
off or adjusting their thermo-
stats at their convenience.
Turn down the temperature.
The California Energy
Commission says for every
degree a person lowers the
heat in the 60- to 70-degree
range, he or she will save up
to 5 percent on heating costs.
Set the thermostat low at
night when residents are
under warm blankets and
quilts, and lower the thermo-
stat when the house is empty.
Furthermore, homeowners
can turn down the thermo-
stat on hot water heaters and
even dishwashers, which can
help save as much as 11 per-
cent on water heating costs.
Look to alternative heat
and lighting sources. A warm,
inviting fire can light up a
room and also provide sup-
plementary heat. Pellet
stoves, or those that burn a
highly concentrated fuel
source that is energy efficient
and environmentally friendly
may prove a worthwhile
investment. Many heating
stoves continue to give off
ambient heat long after their
flames have been extin-
guished. And centrally locat-
ed stoves can heat most of a
home at a fraction of the cost
of traditional forced-air sys-
tems.
Put south and west-facing
windows to use. Place solar-
powered devices next to an
open window during daylight
hours to charge when the sun
is at its brightest. Use solar-
powered lamps, radios and
even phone charges once the
sun sets. Windows that get a
lot of warm sunlight can be
draped in dull, black curtains
to incubate rooms that need
warming. The black fabric
will absorb the suns heat,
naturally heating a room.
Trim shrubs and trees. Make
the most of sunlight when its
available by allowing the
suns rays to reach the interi-
or of the home. Prune dor-
mant trees and shrubs so that
the home will get plenty of
sunlight.
Spend time outdoors. Make
the most of daylight hours by
spending as much time out-
doors as possible. Read books
outside or do homework at
the patio table, reducing
reliance on indoor lighting.
Sunlight can make ideal task
lighting for arts and crafts
projects as well.
There are many ways to
conserve energy and become
less reliant on artificial light
as daylight hours gradually
dwindle.
Free Estimates Fully Insured References Available
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Whether its a minor remodel or a major home addition,
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Advantage Contracting also offers project management and full demolition.
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Payments as-low-as
$79 a month.
FINANCING
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Green ways to embrace shorter, colder days
Gargas Roofing & Construction
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e
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Rubber Roofs Leaders & Gutters Chimney Repairs Chimney Liners Solar Panels
With coupon. May not be combined with any
other offers. Expires 11/30/13.
www.Kovachroofing.com Email: Kovachroofing@aol.com
Nobody Covers You Better
Established 1948 A Professional Roofing Company
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Located in Pompton Lakes Serving Northern NJ In Business Since 2003
Owner
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A
sk for Tom
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Dont be left in the dark!
For over 50 years, Generac has focused primarily on power generation, and we now offer more
generator solutions than any other manufacturer. This heritage has helped make us the number
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closest competition. When a customer chooses Generac, theyre not just choosing protection
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201.321.4459
BasementsBeyond@gmail.com
Located in Pompton Lakes Serving Northern NJ In Business Since 2003
Owner
Operated
A
sk for Tom
T
he Rhino Theatre in
Pompton Lakes pres-
ents Les Misrables,
one of the most popular musi-
cals in the world, from Nov.
8Dec. 1.
Les Misrables packs
an emotional wallop that has
thrilled audiences interna-
tionally since opening in
London over 28 years ago. Its
been seen by over 60 million
people in 42 countries and
took home eight Tony Awards
including Best Musical
when it first came to
Broadway in 1987.
The timeless master-
piece, based on the novel by
Victor Hugo and made into an
Oscar-nominated film last
year, depicts an ex-convicts
struggle for redemption
against the tumultuous
backdrop of the French
Revolution. Hunted relent-
lessly for breaking his parole,
he must leave his past behind
while keeping his vow to raise
MOTHERS IN TRAINING
PROACTIVE PARENTING
TEMPER TANTRUMS

FUSSY EATERS

DEVELOP A FAMILY SYSTEM

BEDTIME STRUGGLES
SIBLING RIVALRY
CREATING ROUTINE
REJECTION IN PARENTING
BLENDED FAMILY ISSUES
LOYLA LOUVIS
CERTIFIED
PARENTING
COACH
LOYLA LOUVIS, AACC
facebook: moms in training
www.mothersintraining.org
615 Valley Road
Upper Montclair, NJ
second oor
973-493-6918
www.mothersintraining.org
call to schedule a free consultation
or to book a workshop

alley Road 615 V 615 Valley Road

alley Road

LOYLA LOUVIS
CER
ARENTING PPARENTING
COACH
LOYLA LOUVIS, AACC
.mothersintraining.org www

LOYLA LOUVIS
TIFIED CER
ARENTING
COACH
LOYLA LOUVIS, AACC
.mothersintraining.org

T

alley Road 615 V 615 Valley Road
Upper Montclair
second oor
973-493-6918
.mothersintraining.org www
ee consultation call to schedule a fr

alley Road
, NJ Upper Montclair
second oor
973-493-6918
.mothersintraining.org
ee consultation

MOTHERS IN TRAINING
PROACTIVE P
ANTRUMS TEMPER T TEMPER TANTRUMS
TERS FUSSY EA FUSSY EATERS

MOTHERS IN TRAINING
ARENTING PROACTIVE P PROACTIVE PARENTING
ANTRUMS
TERS

MOTHERS IN TRAINING
Y SYSTEM AMIL AMILY SYSTEM DEVELOP A F DEVELOP A FAMIL
BEDTIME STRUGGLES
Y ALR SIBLING RIV SIBLING RIVALR

MOTHERS IN TRAINING
Y SYSTEM TING ROUTINE CREA CREATING ROUTINE
ARENTING REJECTION IN P REJECTION IN PARENTING
Y ISSUES AMIL AMILY ISSUES BLENDED F BLENDED FAMIL

MOTHERS IN TRAINING
TING ROUTINE
ARENTING
Y ISSUES

TERS FUSSY EA FUSSY EATERS

TERS

Y ALR SIBLING RIV SIBLING RIVALR

Y ISSUES AMIL AMILY ISSUES BLENDED F BLENDED FAMIL

Y ISSUES

Next time you hit the drive-thru for your morning coffee, a quick bite for lunch or
with the kids after school, pay the bill for the car behind you! Your kindness could
make a difference in someones day!
To get started, download a Drive Thru Difference Note
at star991.com. Print out a few copies and take them with
you when you go about your day. Hand it to the cashier to
give to the person in the car behind you. Its a great little
note to let them know you care and a perfect opportunity
to introduce them to the New Star 99.1...and maybe, just
maybe, introduce them to Jesus.
We would love to hear your stories!
You can call The New Star 99.1
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Do you hear the people sing?
Rhino Theatre presents Les Misrables
710 NEWARK POMPTON TURNPIKE , POMPTON PLAINS
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973.492.2211 | 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
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Take-Out Full Bar
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Since 1983
I
n its annual Cost vs. Value
Report that compares the
cost for 35 popular remod-
eling projects with the value
those projects retain at resale,
Remodeling magazine found
that the overall average cost-
value ratio has improved for
the first time in six years.
Cost-recouped percentages
increased for all 35 projects
examined for the 2013 survey,
a remarkable turnaround from
just a year earlier, when only
three of the 35 projects saw an
increase in cost-recouped per-
centage.
Replacement projects
proved especially beneficial
for homeowners, who likely
also benefitted from a real
estate market that finally
started to stabilize after an
extended period of economic
uncertainty that heavily influ-
enced both buyers and sellers.
While an economy on
the rebound no doubt benefit-
ted homeowners looking to
recoup as much of their home
improvement investment at
resale as possible, other factors
likely contributed as well. For
example, homeowners sur-
veyed for the 2013 report who
added a backup power genera-
tor recouped more of their
investment than in previous
years. Thats likely because
heavily publicized storms,
such as Superstorm Sandy in
late 2012, have forced home-
owners and prospective home-
owners to place a greater
emphasis on being prepared
for such storms.
Among the upscale proj-
ects surveyed, none recouped
more of a homeowners invest-
ment than replacing existing
siding with fiber-cement
siding. Homeowners who
financed such a project
recouped 79.3 percent of the
projects cost, placing it just
ahead of a garage door
replacement, which recouped
an average of 75.2 percent of
its cost.
After years of many
home improvement projects
recouping little of their initial
costs at resale, the tide finally
seems to be turning for home-
owners. More information
about the 2013 Cost vs.
Value Report is available at
www.remodeling.hw.net.
a young orphan.
Youll be astounded by
the explosion of talent, and
moved by the performances,
said producer Carmela
Wolosz. And the brilliant
songs will keep you engaged
for the entire show.
Memorable songs like
Do You Hear the People
Sing, I Dreamed a Dream,
Castle on a Cloud, and
Master of the House lend to
this incredible story of the
human spirit that has made
Les Misrables Broadways
most beloved musical.
Dont miss your chance
to experience this theatrical
phenomenon performed live
in Pompton Lakes.
Les Misrables runs
Fridays and Saturdays at 8pm
and Sundays at 2pm, from
Nov. 8Dec. 1. Ticket prices
are $25 for adults, $23 for sen-
iors and $20 for children, plus
tax. To order tickets, call 973-
248-9491.
The Rhino Theatre is
located at 247 Wanaque Ave.
in Pompton Lakes, right off
Route 287 (exit 55). For
more information, visit
www.rhinotheatre.com.
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973-986-6914 Cell
maria.ferrito@century21.com
NJAR MILLION DOLLAR
SALES CLUB 2001
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2002-2012
Consistent
TOP PRODUCER
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Relocation Agent
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CONTRACTOR'S DELIGHT!
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Do you hear the people sing?
Rhino Theatre presents Les Misrables
Home improvement projects
recouping more at resale
L
easing commercial
space is a fact of life for
many business owners.
The expense of commercial
leasing is considerable, but
cost is not the only factor to
consider when leasing a com-
mercial space. The following
are a few tips for business
owners when negotiating
their commercial space lease.
Enlist some professional
help. While seasoned business
owners may be able to negoti-
ate their commercial lease on
their own, new business own-
ers often benefit from the
services of real estate brokers
and real estate lawyers. Real
estate lawyers can negotiate
your lease, explaining key
terms and conditions that
may prove confusing to first-
time business owners. Real
estate brokers can help you
find the right location, and
many real estate brokers have
a long working history with
landlords. Such relationships
can make the negotiating
process easier, and they also
can benefit business owners
looking for the best possible
location for their businesses.
Real estate brokers often get
first choice at the most desir-
able locations, so teaming up
with an established real estate
broker can increase your
chances of landing a desirable
property.
Emphasize affordable re-
newal options. The length of
commercial leases favored by
small businesses is often simi-
lar to the length of a lease on
a private residence. Though
the language might be more
complex than that of a pri-
vate residence lease, the
length of a commercial lease
agreement is typically one to
two years. But business own-
Negotiating a commercial lease that works for you
PEQUANNOCK $199,000
Warmth/character abound in this spacious yet
cozy custom home offering H/W Flrs/lots of up-
grades & park like property. KIN3951
KINNELON/SMOKE RISE 973-838-9300
KINNELON $1,195,000
Smoke Rise-Stunning 14 Rm/5BR/5.1BA CHC
at end of cul-de-sac/pool w/waterfall/summer
Kit./3C Gar. & more. KIN3826
MORRISTOWN $1,149,990
Morristown Sq NEW constr stunning end unit
2800sf townhome w/open flr plan, 3BRs, 2.5Bths,
spectacular custom finishes. WYN0713
WAYNE 973-694-8000
POMPTON PLAINS $239,900
Immaculate 2nd fl 2BR condo in The Glens
w/vaulted ceilings, Brkfast Bar, priv balcony.
Pool, clubhouse, tennis. WYN0748
WAYNE 973-694-8000
POMPTON LAKES $299,000
Custom 3BR 2.5Bth Exp Ranch w/LR/fplc, FDR,
full front porch, screened rear porch, fin bsmt +
2GAR. WYN0562
WAYNE 973-694-8000
WANAQUE $334,990
Wanaque Reserve NEW construction at 55+ ac-
tive adult comm, 768sf 2BR 2Bth unit. Impres-
sive 20,000sf clubhouse! WYN0816
WAYNE 973-694-8000
WAYNE $419,900
Pristine Breckenridge 2BR 2.5Bth unit w/marble
entry, open fl plan, FDR & DR, EIK, FamRm, lg
MBR, Terrace over looks gardens. WYN0836
WAYNE 973-694-8000
WAYNE $429,900
Premier 3BR 1.5Bth home on golf course cul-de-
sac loc w/nwr Kit, Roof, Deck+AC, LR/fpl, FamRm,
updtd wdws elec, furnace, MORE! WYN0806
WAYNE 973-694-8000
WAYNE $494,800
Fabulous loc! Spacious 3BR 2.5Bth Ranch style
end unit w/Gmrt Kit, gorgeous MBth, 2GAR,
MORE. Great lifestyle-Tennis & Pool! WYN0674
WAYNE 973-694-8000
WAYNE $549,900
Open, bright & spacious 5BR 3.5Bth Split
w/updtd Kit, HW fls, CA & MORE in one of the
most desirable areas in town! WYN0811
WAYNE 973-694-8000
WAYNE $825,000
Custom built 5406sf 5BR 4.5Bth CH Colonial
on cul-de-sac. w/finished in-law-suite, 3GAR,
huge backyd & hot tub. WYN0741
WAYNE 973-694-8000
WAYNE $839,900
Beautiful custom 12yr young Colonial loc on
cul-de-sac w/6BRs, 5Bths, 6000sf of living
space incl fin bsmt + IG Pool! WYN0724
WAYNE 973-694-8000
CLIFTON $799,000
Stunning updtd 3BR 2.5Bth Custom w/HW fls
thruout, Kit & Bth heated fls, wood accents, IG
pool, MORE SMART technology home. WYN0831
WAYNE 973-694-8000
KINNELON $355,000
Fayson Lks-Charm/Character throughout this
cust. home, cul-de-sac, close to beach. 4BRS/2
full Bths. KIN2141
KINNELON $375,000
Fayson Lks-Custom 3BR/2.1BA home w/winter
views/renovated 1997. KIN3529
KINNELON $499,000
Smoke Rise-Wonderful 2BR/2.1BA Cape w/nu-
merous renovations 2010-203/2C Gar./excellent
curb appeal. KIN3946
KINNELON $539,000
Smoke Rise - Spacious, Bright & clean 4BR,
2.2BA make this home your own/freshly painted
interior/exterior. KIN3780
KINNELON $550,000
Smoke Rise-Exceptional 1.33 AC level property
ready to be built on. Septic system & well in-
stalled. House plans avail. KIN1296
KINNELON $579,000
All brick spacious 4BR/2.1BA Ranch w/charm-
ing front porch/W/O lower level/2C Gar.
KIN3924
KINNELON $599,000
Great Price-Turnkey 4BR/3.1BA CHC. H/W Flrs.,
FP, Crown Moldings; 2C Gar.; above ground
Pool. KIN3094
KINNELON $675,000
Fabulous 5BR, 3BA CHC w/Contemp. flair. SS
Appl, Great Rm w/brick FP, skylights, lge Deck,
3C. Gar. KIN3685
PEQUANNOCK $275,000
Renovated Col. offers 4/5BRS, 2BA located on
a deep level lot close of highways, shopping,
restaurants, public transp. KIN3770
KINNELON $1,650,000
Smoke Rise:Spectacular cust. estate w/unparal-
leled finishes/detail & design. 14Rm French
Country Est. KIN3755
LINCOLN PARK $279,790
Deer Run Golf Club 2BR 2.5Bth twnhm w/real
HW fls, fplc, new W/D, FLR & DR, SunRm, EIK
& more in Pet Friendly community. WYN0767
WAYNE 973-694-8000
SMARTER. BOLDER. FASTER.
Make your first choice the right choice. Call Danielle today at 973.460.4352
142 Route 23 N
Pompton Plains, NJ 07444
danielle.fiorina@century21.com
www.daniellefiorina.com Office: 973.646.7440
Exceptional Full
Service...Quality
that Matters.
NJAR Circle of Excellence Award 2006-2012
Presidents Producer Award 2012
DANIELLE FIORINA
REALTOR
, ABR
HOMES ARE SELLING & BUYERS ARE BUYING!

TOP PRODUCER
Advertising on over 170 websites
Direct access to all real estate listings
Short Sales & Foreclosure Certification
KINNELON $329,900
POMPTON PLAINS
$779,000
SHORT HILLS $1,350,000 LINCOLN PARK $259,900
To Find Out M
ore...
Call Danielle Today!
973.460.4352
POMPTON PLAINS
CALL FOR DETAILS
LINCOLN PARK
$354,900
LINCOLN PARK
$364,900
LINCOLN PARK
$749,900
Address Beds Baths Style Original Price Reduced To Sale Price % of OP
25 Roosevelt St 3 2 Cape Cod 169,000 165,000 97
303 Chatfield Dr 2 1 Condo 239,900 240,000 100
76 Village Rd 3 1 Cape Cod 249,000 222,500 89
35 First St 2 1 Ranch 299,900 300,000 100
51 Mandeville Ave 3 2.5 Colonial 300,000 280,000 93
30 Elizabeth Ave 3 1 Cape Cod 399,900 375,000 360,000 90
679 NwkPmptn Prof Office 399,900 375,000 94
8 Post Rd 3 1.5 Colonial 429,995 430,000 100
23 Van Riper Ave 4 1.5 Cape 450,000 436,000 97
25 Duncan Ave 4 2 Colonial 459,900 440,000 96
3 Wren Pl 4 1.5 Colonial 525,000 485,000 92
24 Pomona Ave 3 3 Colonial 525,000 535,000 100
5 Carol Pl 4 2.5 BiLevel 549,000 542,500 99
3 Redman Rd 4 2.5 Colonial 599,000 599,000 100
32 Oping Rd 4 2.5 Colonial 769,900 750,000 97
3 Dorothy Lane 4 2.5 Colonial 899,000 891,000 99

18 Elm St 2 1 Ranch 125,000 55,995 45
9 Stonyridge Dr 2 1 Condo 227,500 219,900 215,000 95
285 Gettysburg Way 2 2.5 Townhome 239,900 229,900 203,000 85
96 Stonyridge Dr 2 1 Condo 229,900 215,000 93
23 Winona Ave 3 1 Colonial 250,000 240,000 96
336 Gettysburg Way 2 2.5 Townhome 284,900 274,900 265,500 93
36 Hope Terrace 3 1.5 Ranch 309,000 295,000 95
32 Evergreen Dr 4 1.5 BiLevel 338,500 325,750 96
117 Pinebrook Rd 3 1.5 BiLevel 349,000 340,000 97
77 Pinebrook Rd 3 2 BiLevel 349,900 350,000 100
10 Pleasant Ave 3 3 BiLevel 379,900 375,000 365,000 96
11 McKinley St 3 2 Cape Cod 379,000 357,500 94
95 Mt Heights Ave 4 2.5 Colonial 450,000 410,000 91
PEQUANNOCK TWP. AUGUST 2013 TOWN SALES
LINCOLN PARK AUGUST 2013 TOWN SALES
10+ ACRES
T
O
O
N
E
W
F
O
R
P
H
O
T
O
ers must be diligent regarding
renewal options and the cost
of such renewals. Come the
end of your lease terms, you
don't want to be met with a
considerable and unexpected
hike in rent just as your busi-
ness is starting to take off.
Work to get the most favor-
able renewal options possible
so more of your operating
budget can go into your prod-
ucts and not toward your
lease.
Pay attention to extra fees.
Many commercial leases
include fees in addition to the
monthly rent. Maintenance
fees are common, and there
may even be a separate set of
maintenance fees when shar-
ing commercial space. When
negotiating your lease, ask to
see a list of the costs and fees
current tenants typically
incur each month. When dis-
cussing maintenance fees,
confirm who must pay for less
routine maintenance, such as
hvac or plumbing repairs, and
be sure to get such informa-
tion included in the lease.
When discussing such
fees, inquire about utility
costs as well. Utilities are
often the responsibility of the
tenant, but it still behooves
business owners to confirm
who will be paying the
monthly utilities.
Negotiate an exclusivity
clause. Business owners often
don't want their competitors
to move in across the street,
and they certainly don't want
them to move into the same
building. Protect your busi-
ness from such a development
by negotiating an exclusivity
clause into your lease. Such
clauses prevent landlords
from leasing other spaces on
the property to your competi-
tion.
Carefully read the default
language. Before signing a
commercial lease, business
owners must familiarize them-
selves with the default lan-
guage therein. Determine
what happens if you default
on the lease, including if you
will be locked out upon your
first missed payment and if
the landlord will immediately
initiate eviction proceedings
in such instances. Many com-
mercial leases also include
language stating tenants are
responsible for any legal fees
landlords accrue in the case of
a default. Though it might be
difficult to negotiate the
default language in a lease,
business owners should still
know that language prior to
signing a lease.
$942 per month
30Yr Fixed w/0 points. 4.25/4.378% APR
BUTLER $189,900
$747 per month
BUTLER $369,000
$1,452 per month
KINNELON $329,900
$1,298 per month
$1,397 per month
KINNELON $820,000
$3,324 per month
Ryan Barry
Mortgage Banker
NMLS# 183464
973-200-3262 Direct 973-454-5183 Cell 973-837-9616 Fax
ryan.barry@njlenders.com
Recognized 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 based
on a 740 credit score as of October 22, 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 terms
are 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 is HOT!!!
Know your buying power BEFORE beginning your home search
Call today for a FREE Mortgage Pre-qualification
BUTLER $324,900
$1,279 per month
30Yr Fixed w/0 points. 4.25/4.349 % APR
$1,178 per month
PEQUANNOCK $624,700
$2,532 per month
$2,756 per month
WEST MILFORD $295,000
$1,161 per month
RIVERDALE $379,900
$1,495 per month
30Yr Fixed w/0 points.4.25/4.337% APR
WOODLAND PARK $288,000
$1,133 per month
BLOOMINGDALE $375,000
$1,476 per month
BLOOMINGDALE $379,999
$1,495 per month
PASSAIC $275,000
$1,082 per month
WANAQUE $339,000
$1,334 per month
~~~~ INCOME PROPERTIES - MULTI FAMILY HOMES ~~~~
~~~~ FEATURED PROPERTIES - SINGLE FAMILY HOMES ~~~~
$941 per month
Feature Your Listing in Our ReaI Estate Section
CALL 973-696-8008
OnIy
$125
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HELP WANTED
0280 - 0329
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0655 SERVICES
CARPET
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0684 SER.COMM/
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0685 SERVICES
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for office,apt,house
call BARBARA
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0686 CLEANOUT
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0774 SERVICES
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0785 SER. HOME
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0804 SERVICES
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0827 SERVICES
PAINTING
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Patches
Excavation
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ERICKSON
Masonry, LLC
Pompton Lakes, NJ
973-835-2001
35 Years Experience
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0774 SERVICES HANDYMAN
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the Lottery
ID F9192
Club Membership
Booklet
1-877-526-6957
0804 SERVICES LAWN CARE
Advertise
in Kathleens
Business Card
Directory,
Call for More
Information.
973-696-8008
0297 HELP
WANTED
LANDSCAPING
Landscape Foreman
needed. Lawn
maintenance exper.
& drivers license
Req. Contact
973-332-4666
To Advertise
in the
Classifieds
Call Kathleen
973-696-8008
NEW & OLD
Construction-Residential
& Commercial.
Fully Insured & Bonded
FREE ESTIMATES
20
%
OFF New Customers
CQ ElectricLLC
973-699-0855
NJ Licence #15600
0771 SERVICES-GUTTERS
R.G. Gutters
973-832-4207
Gutter CIeaning
Gutter InstaIIation
Gutter Repair Power Washing
Emergency Service
ALL
WORK
DONE BY
OWNER!
Free Estimates &
20% OFF
Gutter Cleaning For
All New Customers!
ARE YOUR GUTTERS FOWL?
NORTH JERSEY
REMODELERS
973-962-1811
Full Kitchens
Bath Specialists
Basements
All Interior
Renovations
Ceilings to Floors
Doors Painting
Windows
Counter Tops
Cabinet Refacing
General Carpentry
COMPETTVE
PRCES
30 Years Experience
FREE ESTIMATES
LC.#13VH01757100
NORTH JERSEY
GREENS
973.839.3070
WAYNE AREA
J ust
Call
No Job Too Small
Weekly Lawn
Service
Like What
Like What
You You See? See?
See YOUR Ad
In Life & Leisures
Next Issue!
Call
Kathleen (973) 696-8008
0827 SERVICES PAINTING
Stephen Fox
Plumbing & Heating
Small Repairs,
Alter, Drain Svc.
INSURED BONDED
973-839-1054
Lic.#7467
0931 SER.-
TV/AUDIO
INSTALLED
The TV Guy
If you need your TV,
Home Theater, Audio/
Stereo Equipment in-
stalled or connected.
Big or Small...We do
it All. Call Mike
973-495-3775
DIRECTORY
0932 SERVICES TREE
Advertise in the Classifieds.
B
A
B
Y

I
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E
M
S

L
U
G
G
A
G
E

B
O
A
T
S

O
U
T
D
O
O
R

G
E
A
R

T
O
Y
S

C
A
M
E
R
A
S
When its time to sell something you no longer
need or use, move it with the Classifieds.
Life & Leisure
www.lifeandleisurenj.com
To Advertise
Call
(973)
696-8008
Ask for Kathleen
J
E
W
E
L
R
Y

A
R
T

P
I
E
C
E
S

A
N
T
I
Q
U
E
S

R
E
C
O
R
D
I
N
G
S

T
V
S

&

V
C
R
S

...AND MORE!
Advertise
in Kathleens
Business Card
Directory,
Call for More
Information.
973-696-8008
October 30, 2013
BUSINESS CARD DIRECTORY
Zone 1
Because We Mean Business!
Your Ad
Here
Call Kathleen Today 973-696-8008!
Single Run
$50
Zone 1
Double Run
$90
Zones
1 & 2
Because We Mean Business!
HELP WANTED
Seeking a PT
Administrative Assistant
w/computer skills
Primary function is to
manage and properly direct
phone calls, assist with email
and editorial filing system in
Word and other office duties
as needed. Light graphic
ability a plus to assist in minor
layout and text importing.
9:00AM - 2:00PM
Every other week.
Call for more details.
973-696-8008
To Advertise
in Life & Leisure
Call 973-696-8008

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