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Its that time of year again.

Over the next few weeks

the hustle and bustle will

begin to pick up as local folk

are preparing for Christmas.

The holiday season inevitably

means an extra-long To-Do

List. But before you can think

about buying any gifts or pre-

pare for any parties, one cen-

tral Yule-tide detail needs to

be taken care of: The Christ-mas Tree.

Beginning this month,

Anello Fence will be home to

one of the areas top Christmas

Tree outlets. Featuring balsam

firs, Anello has a tree for any

budget and home type. Trees

start at just $19.99 and are as

tall as 12 feet. Whether you are

seeking a tree for your apart-

ment or your cathedral-ceiling

home, Anellos should be your

first choice. Additionally, live

wreaths are for sale to make

the holidays even brighter. At

Anello Fence, quality is a pri-

ority and customer service is

second nature, especially dur-

ing Christmas time! They rec-

ognize the spirit of the season,and in an act of Christmas giv-

ing part of the proceeds gener-

ated from the trees will go

toward the Pequannock Fire

Department.

Anello Fence is already

known for top quality products

in the Fencing Industry. Steve

Anello, owner, is a member of

the American Fence Associa-

tion and has more than 25

years of experience in the busi-

ness, being third generation in

the fence industry. He takes

great pride in being able to

provide the highest value

fences to residential and com-

mercial customers, installing

all types of standard and cus-

tom designs. The company hasgrown through the years and it

continues to offer fences of

timeless beauty combined with

great durability. Anello Fence

provides customers with a

long-lasting product that is vir-

tually maintenance-free, with

Many people equate

charity to financial

donations. But indi-

viduals can be charitable with

their time as well.

According to Char-

ity Navigator, a nonprofit

organization that moni-

tors charities, Americans

gave more than $290 bil-

lion to charity in 2010.

Thirty-five percent of alldonations went to reli-

gious organizations. Much

of these contributions can

be attributed to people

giving to their local place

of worship. Donations toward

educational services and pro-

grams were the second most

common types of donations.

Although charitable giv-

ing through monetary dona-

tions are important, men and

women can donate more than

just money. Here are some ways

to do just that.

Donate hair. There are many

different charities that collect

hair for individuals undergoing

cancer treatments that resulted

in hair loss. These charities col-

lect hair of lengths between 8 to

12 inches and turn the

locks into wigs for the

needy.

Donate your stuff. Before

tossing unused items into

the trash, assess these items

and determine if theyrestill useful. There are many

places that will accept

noncash donations, be it

clothing, electronics, chil-

drens toys, etc. For exam-

ple, half-way homes that house

abused women and children

Be charitable

without spending money

Donating clothing is one method of giving

that does not require a financial investment.

page 13 page 21page 2 page 4 page 7

Proverbs 3:5,6 God Bless America

November 30, 2011

Zone 3, Vol. 9, No. 23

Recycled Paper from 30% Post Consumer WasteProud to Serve the Following Communities: Bloomingdale, Butler, Kinnelon, Lincoln Park,

Montville, Pequannock, Pompton Plains, Pompton Lakes, Riverdale, Smoke Rise, and Wayne

Anello Christmas tree sales

benefit local FD By Joe Pellegrino Jr.

continued on page 22 continued on page 22

HOLIDAY

DININGGUIDE

PAGE20

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Note: To have your groups an-

nouncement appear in Com-

munity Happenings please

email us the information in aparagraph format to calendar

@lifeandleisurenj .com.

Dec 17

Santa and his elves are taking

some time out of their very

busy North Pole schedule sothat you can come and enjoy

breakfast with them on Satur-

day, December 17th at Christ

Church, 400 Ramapo Avenue,

Pompton Lakes. Seating times

are 9:00 and 10:30 a.m. Price

of admission includes break-fast for children and their par-

ents and a pre-Christmas gift

and picture with Santa for the

kids. Kids will also be given

an opportunity to shop at the

Santa Shack for inexpensive

gifts for their family. SantasHelpers will be there to assist

with the shopping (No grown

ups allowed!). Tickets are

$7.00 for adults and children 2

and up, and $1 for children

under 2. Please call the parish

office for tickets at 973-835-

2207 weekdays between 9:00

am and 2:00 pm.

Dec 18

On Sunday, December 18,2011, at 7:30 pm, Our Lady of

the Magnificat Church will

present its twenty-eighth an-

nual Christmas Concert. Al-

ways hailed as the event of the

Christmas season, this years

Concert promises to be a truly

grand event as OLM celebrates

the parishs Golden Jubilee

Anniversary. The evening will

be filled with the joyous

sounds of the highly acclaimedthirty-five member Christmas

Festival Orchestra of New Jer-

sey, conducted by Maestra

Karen Pinoci. OLMs own

Adult Choir, under the direc-

tion of Music Minister

Michael Pierce, will join theorchestra for several selections.

The Concerts program will in-

clude classical favorites and

traditional Christmas pieces

sure to delight the hearts and

souls of all. Tickets are avail-

able by visiting www.olm

concert.com or calling 973-

838-5577 or 973-492-1784.

OLM Church is located at 2

Miller Road, Kinnelon.

Around theCommunity

The Butler Recreation De-

partment will again be answer-

ing letters addressed to Santa

Claus. Santas mailbox will be

in the Butler Library beginning

Monday, November 28. Any

letter received by December

20th will receive a handwrit-ten response. Encourage your

child to write a letter and share

his/her enjoyment when the

mail person delivers a reply.

Beginning December 13, the

new group JIT (Jerseyans inTransition) - is meeting the sec-

ond Tuesday of every month,

2:00 - 3:30, at the Butler Public

Library. JIT is a self-guided

group, with occasional guest

speakers, for people who are un-

employed or underemployed, to

talk about their job hunting

strategies and tools, career

changes, interviewing; in other

words, being in transition. All

programs are free of charge butpre-registration is required.

Please call or visit the Library to

reserve your spot. Space is lim-

ited to 25. Butler Public Library

is located at 1 Ace Road, be-

hind the municipal building, on

the Internet at http://www.but-

lerlibrary .org/, or by phone at

973-838-3262.


partment is taking registrationfor its six week ski program to

Mountain Creek. Flyers with

visit our website at www.lifeandleisurenj.com November 30, 2011Page 2, Zone 3

HIGHEST

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Publisher: Joe Pellegrino Editor: Bethanne Pellegrino Art Department: Robin Banta, Mary LalamaSales: Kathleen Todd, Lisa Buniewski, Debbie Schwartz, Hider Marza

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 & Leisureare those of the respective columnists and writers, and do not necessarily reflect those of the publisher, or Life & Leisure. Advertising is open toanyone 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 paidfor by the author and are in effect advertisements. Publication of any advertisement does not constitute, either implied or inferred, an endorsementof services, products or businesses advertised. 2011 Life & Leisure, LLC. Life & Leisure is a trademarks of Life & Leisure, LLC.

100% mailed twice a month newspaperP.O. Box 435, Wayne, NJ 07474-0435

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Anormal spine when

viewed from the back

appears straight.

When the spine is affected by

scoliosis there is evidence of alateral or sideways curvature

and a rotation of the vertebrae

(back bone). The Scoliosis

Research Center defines scol-

iosis as a curvature of the spine

measuring ten degrees or

greater on x-ray.

According to the Na-

tional Institute of Arthritis

and Musculoskeletal and Skin

Diseases three to five out of

every 1,000 children develop

spinal curves that are consid-

ered large enough to require

treatment. There are threedifferent types of scoliosis that

can occur in children:

Congenital scoliosis- This type

of scoliosis is often caused by

failure of the vertebrae to form

normally, absence of the ver-

tebrae, partial formation of the

vertebrae or a lack of separa-

tion of the vertebrae.

Neuromuscular scoliosis- This

type of scoliosis is associated

with neurological conditions

including cerebral palsy, spina

bifida, muscular dystrophy,

spinal cord tumors and para-lytic conditions.

Idiopathic scoliosis- The cause

of this type of scoliosis is un-

known and makes up 80- 85 %

of all cases.

Other causes of scoliosis

may include hereditary condi-

tions, differences in leg

lengths, injury, infections and

tumors. Scoliosis usually de-

velops when the bones are

growing most rapidly, usually

from the ages of 9-14 years.

It is very important for

children to be screened fre-quently as they will rarely feel

any pain when the scoliosis is

first developing . The symp-

toms of scoliosis may include

difference in shoulder height,

hip height or shoulder blade

height. There may be a differ-

ence in the way the arms hang

beside the body when the

child is standing straight. In

addition, the sides of the back

may appear asymmetrical in

height when the child is bend-

ing forward.

The treatment goal of allpediatric spinal deformities is

to maintain function, prevent

symptoms in the short term

and long term and most im-

portantly to stop the progres-

sion of the curve and prevent

deformity. If the scoliosis is de-

tected early the child can re-

ceive treatment that may

control the condition and pre-

vent other problems. Several

studies have demonstrated therelationship between trunk

strength and scoliosis and the

value of spinal strength train-

ing in adolescent idiopathic

scoliosis with curves measur-

ing 20 to 60 degrees. Treat-

ment depends on the severity

of the curve.

Mild curves should be

checked every six months by

the physician. In addition,

your pediatric physical thera-pist should recommend exer-

cises that improve flexibility

and strengthen the muscles

that support the spine.

Moderate curves that measure

between 25- 40 degrees on an

x-ray benefit from bracing in

conjunction with exercises.

Electric stimulation also may

be successful for certain types

of scoliosis.

When bracing and exercise

do not slow the progression of

a severe curve that is 50 de-

grees or greater, surgery may be

necessary. Surgery can usually

be avoided if the condition is

detected and treated early.Early detection is crucial.

If left untreated, the scoliosis

can cause problems with heart

and lung function.

Gena Livingston is a pediatric

physical therapist, who brings

over five years of experience to

Kids Therapy Center of

Riverdale. Specializing in early

childhood intervention, Gena is

very experienced treatingchildren with cerebral palsy,

delayed motor development,

autism, torticollis, post-surgical

corrections, and athletic

injuries. If you would like to

schedule an appointment or

consult with Gena, she can be

reached at Kids Therapy

Center, 18 Newark Pomp-

ton Turnpike, Riverdale,

973-616-8300.


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Margaret (Peggy) TanaEd.M, MAT, LPC, LCADC

Licensed Professional CounselorLicensed Clinical Alcohol and

Drug CounselorNJ 37PC00302700, NJ 37LC00078800

Counseling for individuals

and couples using a holistic,

person-centered approach.

Experienced with abuse, trauma,

cultural, and spiritual issues.

Trained in EMDR.

170 Kinnelon RoadKinnelon, NJ 07405

www.margaret-tana.com

973-838-7265

AnxietyAddiction

Depression

Has your child been diagnosed with... Cerebral Palsy

Autism

Developmental Delay

Balance/Coordination Disorder

Hypertonia (increased muscle tone)

Hypotonia (low muscle tone)

Down Syndrome

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18 Newark Pompton Tpke.

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Physical Therapy

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...then give us a call 973.616.8300

What is Scoliosis and how is it treated? By Gena Livingston

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Does an investment exist that offers safety ofprincipal, liquidity and growth with a guaranteed*monthly income for the rest of my life? By Mark Charnet

As a Retirement and

Estate Planning Spe-cialist, a Financial

Planner and a Certified Annu-

ity Specialist, licensed for over

thirty years, I continue to hear

this question virtually every day.

As a matter of fact, millions of

people are investing billions of

their hard earned dollars into

vehicles that answer this ques-

tion with a resounding YES!

There is only one investment

opportunity available that offersall of these features simultane-

ously and its called an Annuity.

Suffice it to say that annu-

ities have gotten some bad press

since their invention over 130

years ago, some of the press was

accurate and deserving, other

articles were way off base. A

certain female TV personality,

who claims to be a financial ad-

visor, never has anything good

to say about annuities. Her in-fluence over her viewers has

kept these good people away

from learning about the benefits

that some great companies and

their products have to offer.

This is truly unfortunate. She

likes to beat up the annuity

salesperson stating, Why would

you put your tax-deferred IRA

into a tax-deferred annuity and

pay for the tax-deferral benefit

of an annuity when the IRA isalready tax-deferred? She fur-

ther claims that the motivation

behind the recommendation is

all about commissions. This is

absolutely bunk and Ill tell you

why.

Firstly, what does the in-

surance company charge for

tax-deferral? Answer ZERO!

Thats right! There is no tax-de-

ferral charge as Congress

deemed annuities tax-deferred,not the insurance industry.

Well, if not for tax-deferral why

would anyone purchase an an-

nuity and which of the three

should one consider for their

money; the TFA or traditional

fixed annuity, the FIA or fixed

indexed annuity and the VA or

variable annuity? In each case,

the annuity offers a death bene-

fit guarantee and probate pro-

tection in addition to

tax-deferral. Each of the annu-

ities also offers a lifetime incomethrough Annuitization and

herein lays the basis of a great

deal of confusion and anti-

quated information. Another

word for Annuitization is An-

nuicide, which, sounds like sui-

cide. In most cases when you

annuitize, you must forfeit the

principal to receive an income

payment for life or a guaranteed

period of time or both. Today

however, to receive a single orjoint lifetime income with your

spouse, Annuitization is no

longer required. Thats right!

You can have your cake and eat

it too. Not only can you elect

to receive an income for the rest

of your life or in addition

spouses lifetime, you retain

control of the principal too! But

theres more.

While youre waiting to

initiate the income, leaving theaccount to grow as you prepare

for retirement, the insurance

company will guarantee a mini-

mum annual percentage of

growth to the value each year

that will provide you the in-

come when you elect it. Now,

not only will the income be

guaranteed for life but it will

also be guaranteed to be based

on a potentially larger income

base even if the annuity per-

formance was negative, poor or

zero depending on the invest-

ment selections and product theannuitant chose. Imagine if

your IRA was in stocks and they

went down before your planned

retirement date or even after

you retired, with a properly

structured annuity your income

would be unaffected in any neg-

ative way! In fact, it could be

greater than what you antici-

pated due to the guaranteed in-

creasing income base

language of the annuity. The fe-

male TV orator never discusses

this preeminent annuity feature.

Every annuity offers a declining

surrender charge that once con-

cluded never re-appears like aCD every anniversary. Further,

annuities offer a degree of

penalty free access during the

surrender charge period which


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continued on page 14

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Its the season for holiday

hustle and bustle and shop-

pers are seeking the perfect

gifts for friends and family mem-

bers. When given the choice of

gifts, statistics show that cloth-

ing purchases and accessories

top the list of the most popular,garnering 58 percent of the gift-

ing share.

Instead of choosing what-

ever first catches their eye on

the racks, holiday shoppers may

want to follow the expert advice

of a renowned clothing designer

to ensure their gifts are well re-

ceived this season.

Toula is a family-owned

and run clothing line that has

been designing versatile andtimeless womens knitwear since

1986. Founded by Eddie and

Ming Wang, Toulas reins have

since been taken over by Steven

Wang, the couples son. Offer-

ing sophisticated designs that

are fashionable yet always com-

fortable, Toula focuses on ca-

reer-driven separates that can be

easily combined to build a so-

phisticated, fashion-forwardwardrobe.

Steven Wang shares his

expert advice and guidance to

shoppers thinking of gifting

with clothing this holiday sea-

son.

Q:What trends are in style for

2011?

A:There are many different in-

terpretations of styles continu-

ing through the winter, which

began in fall. Lace ruffles andbows have taken on a multiple

season lifespan along with bold

hardware and finishings

(pearls). Womens fash-

ion has been inspired

by 60s-era jackets and

mixed prints.

Q:Are certain colors in

this season?

A:For colors, dainty

neutral and citrusbright colors compete

for the most popular

trend in the Toula col-

lection. This seasons

colors also consist of

modern metallic and

neutrals. Pale blue and bold reds

are two other must-have colors

for this season.

Q:What clothing items should gift-

givers lean toward when holiday

gifting?A:Stay classic and basic for giv-

ing gifts during the holidays, es-

pecially when it comes to

clothing. In general, most

woman have their own sense of

style and can be intimidated

when given something too

avant garde or fashion-for-

ward. My personal favorite is abasic black jacket with great

trim detail or textural patterns.

Designer Q&A; Offers insideadvice on clothing gifts


151 Newark Pompton Tpk. Pequannock

973-694-9073www.BostonLouisJewelers.com

Tues, Wed & Fri 10am-6pm Thurs 10am-8pm Sat 10am-5pm Closed Sunday & Monday

25 Kinnelon Rd. Kinnelon 973-838-8580

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New Patient

SPECIALExam, Digital X-Rays, and Cleaning

$120.00(Regularly $266) Expires 01-31-12.

Not to be combined with any other offers.

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Question: What would cause my eyelids and

Tear glands to be red each morning?

Answer:Redness of the eyelids in the morning usually

is caused by blepharitis, an inflammation and/

or infection in the eyelids. Blepharitis often affects

both upper and lower eyelids. The cause can be a

multiplication of the bacteria that are normally on the

skin of the eyelids, or a blockage and inflammation of

the oil glands that open onto the edges of the eyelids.Eric Shnayder, MD is a Board Certified Ophthalmologist who treats a wide variety of eye disorders. After graduating summacum laude from Temple University, he received his Doctor of Medicine degree from the Medical College of Pennsylvania.The doctor completed his Ophthalmology residency at the University of Medicine and Dentistry of New Jersey. Aside fromperforming regular eye exams, Dr. Shnayder is proficient in cataract & laser surgery, glaucoma, diabetic eye disease, retinaldisease and childrens eye problems. He practices at 11 Kiel Avenue in Kinnelon and can be reached at 973-838-7722.

Question: Are pink eye and conjunctivitis the

same thing?

Answer: There is substantial overlap. Pink eye is an

infectious form of conjunctivitis, most often caused by

viruses but also caused in some cases by bacteria. The

most important form of non-infectious conjunctivitis

is allergic, usually recognizable by mild redness,

substantial itching and no discharge.

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Images Salon on Route 23

North in Butler would like

to thank all of their guests

for participating in Susan G.

Komen Passionately Pink for

the Cure. We raised $300 our

first year and plan to raise even

more in the years ahead in the

hope to find a cure!

We would also like to

thank all who entered our Hal-

loween contest. There were

503 tattoos & stickers in our

glass pumpkin. Congratulations

to Sandra Mayberry, the winner

of the $50 Gift Certificate.

Images Salon would like

to wish you and your family a

Happy & Healthy holiday

season.


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These days the economy

seems to have affected

everyones wallets and

has had us tightening our

budgets. Pet lovers are no ex-

ception. Our pets give us

priceless companionship dur-

ing good and bad times but

people are still looking to cut

costs, even when it comes to

their pets.

Medically, the best way to

cut costs is to focus on preven-

tion. Keeping your dog or cat

in good general health is the

best preventative for expensive

illnesses and conditions that

can be uncomfortable for your

pet and costly for you. Emer-

gency visits at night or on the

weekend can be the most ex-

pensive and can be avoided

with simple precautions like

keeping your cat indoors and

your dog on a leash and well

fenced.

The first step to

preventative veterinary

care is actually going to

the vet for a physical

exam. This should be

done annually for most

pets and every 6 months

in senior pets (over 7

years of age). These vis-

its can save a lot of time

and money by catching

diseases early and learn-

ing about preventative

care . Thi s includes

heartworm preventative,

flea and tick control,

early detection blood

work and a check-up of your

pets gums, teeth, heart, lungs

and internal organs.

Take that extra weight off

your pet. Overweight pets, just

like people, are more prone to

some very serious health prob-

lems, such as arthritis, heart

disease, and diabetes. Its

much easier to prevent weight

gain with proper diet and exer-

cise than having to get the

weight off, especially when

pets are in their senior years.

The first step is to assess if your

pet is overweight. Your veteri-

narian can assign a body con-

dition score. If a pet is at a

normal weight, you should be

able to feel the ribs easily and

see a waist or hourglass shape

when viewed from above. So,

measure your pets food, mini-

mize treats, and maintain a

daily exercise routine and you

may prevent a costly illness

down the road.

Spay and neuter your

pets. This will have a big

health impact. For females, it

greatly reduces the chance for

breast cancer and prevents py-

ometra (an expensive and po-

tentially fatal uter-

ine infection). For

males, it removes

the chance of testic-

ular cancer and re-

duces prostate

disease. It also di-

minishes the desire

to wander and try to

escape from the yard, poten-

tially getting hurt.

Be careful with your pur-

chases. Replace things like col-

lars and bowls when necessary

and do so with quality prod-

ucts. One good collar is better

than a lot of trendy ones that

they can escape from.

Make sure your home is

hazard-free. Routinely inspect

your home for pet hazards and

toxins. Food hazards include

raisins, xylitol (artificial sweet-

ener) containing products and

chocolate. Poisonous house-

plants such as lilies should be

removed.

Consider pet insurance.

The plans are different; some

include routine visits or just

emergency visits. Therefore,

research for the plan that best

suits your needs. Accidents

and major procedures can be

costly and pet insurance is one

way to help defray some of the

burden.

Times are tough but dont

let your pet suffer down the

road by not preventing some-

thing small today.

Dr. Matthew Krupnick is the

owner of the Pequannock Ani-

mal Hospital. He grew up in

Kinnelon and is happy to be

home, with his wife, three cats

and two dogs, to provide quality

and compassionate care for your

pets in the community. The Pe-

quannock Animal Hospital is lo-

cated at 591 Newark Pompton

Turnpike in Pompton Plains.

You may reach them by calling

(973) 616-0400.

Cutting pet costs By Dr. Matthew Krupnick


WHERE YOUR

PET IS FAMILY

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Full Service Animal

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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 ExamNEW CLIENTS ONLY.

Limit 1 per pet.

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8/3/2019 221657_1322491662Nov 30 2011 Z3 LowRez

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pertinent information are in

all schools. Also available at

an excellent price are season

passes for youths who do not

participate in the six week pro-

gram, and adults. For prices

and additional information

call the recreation office at

973-838-7903 between noon

and 4:30 p.m.


partment is holding ongoing

Zumba classes at the Aaron

Decker School on Tuesday and

Thursday evenings from 7:45 -

8:30 p.m. Classes are taught by

Rosemary Russell a certified

Zumba instructor. You may ei-

ther drop in or sign up for an

eight week session. Please call

the recreation office for further

information.

Kinnelons Open Space

Committee (OSC) and Open

Space Advisory Committee

(OSAC) are inviting members

of various organizations and

Developing the Foundation for a Lifetime of School Success!

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makes principal access fast and

easy. As far as safety is con-

cerned, insurance companies

that offer annuities must insure

their obligations $1 for every $1

of deposit, whereas banks only

need to back each dollar with

about 3. Everyone knows that

the FDIC insures each depositor

up to $250,000 this year, but did

you ever ask yourself how long

the FDIC has to pay me back if

the bank with my money fails?

The answer is: As long as it

takes and as you also know

there is no guarantee of interest.

I mentioned above that

there were three different annu-

ities, the TFA that is company

declared interest generating, the

FIA that is interest generating

based on a formula tied or

linked to a stock market index

like the S+P 500 and the VA

which is purely based on the

performance of the manage-

for strength, and flexibility of

the injured region. Beginning

with slow and low intensity

sport specific conditioning/drills

before moving on to more rapid

and higher intensity work is es-

sential.

Good communication

with the coach is also critical in

every phase of injury. This gives

the coach the ability to tailor

the training around the injury

thus, not allowing the athlete to

become deconditioned. This

will protect the athlete from fu-

ture injury as well. In summary,

a good tactical plan with return

to play is helpful for the coach

and benefits the athlete by en-

suring a safe return to play.

Drs. Glenn and Christine Foss

are the owners of Advance

Sports Medicine & Chiropractic

Center in Riverdale. Both doc-

tors have been practicing chiro-

practic for over thirteen years

and have been amongst the com-

munities leading health care

providers. As innovators in

health care, they have merged

chiropractic and physical therapy

services together to enhance the

quality of patient care and overall

treatment outcome. If you have

any questions for either of the

doctors or would like to schedule

a consultation please call

973-616-4555.


When to return an athlete to play? Does an investment exist

continued from page 5

continued on next page

continued from page 8

8/3/2019 221657_1322491662Nov 30 2011 Z3 LowRez

15/28

ment companies selected simi-

lar to mutual funds. With the

addition of a living benefit rider

that offers an enhanced income

base and income guaranteed for

life, in my opinion, there are no

similar or competing alterna-

tives for a portfolio geared to

providing an ample retirement

regardless if you are preparing to

or are already retired. Its worth

investigating all of your options

to find the right series of annu-

ities for your particular situa-

tion. Each of the three

annuities discussed provide

their own uniqueness, that

when combined, offer an in

penetrable force to complement

any portfolio. Because of the

sheer volume of products and

information, client mistakes in

selection and application of

benefit programs is common.

The best advice is to work with

a professional specifically

knowledgeable in the area of

annuities. Some financial advi-

sors have received advanced

training with annuities and

have received the C.A.S. desig-

nation from the Institute of

Business and Finance, Certified

Annuity Specialist, demonstrat-

ing proficiency in the under-

standing and use of annuities in

the financial planning process.

Should you have any ques-

tions relating to your annuity or

an advisor that recommends

one to you, before signing the

contract or application, a free

consultation is available to all

Life and Leisure Readers simply

for the asking, by referencing

this article when calling to

schedule your appointment.

Mark E. Charnet, CAS, CSA,

is President and Founder of

American Prosperity Group.

APG is the Premier Retirement

and Estate Planning Franchise in

the United States with 16 offices

in 8 states. Mr. Charnet has

over thirty years of experience in

the Retirement and Estate Plan-

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courages your inquiries and can

be reached at: 800-929-3374 or

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[email protected] Check

out our website:

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OutshineSanta withthe best giftunder the tree.

Stop In & Enter Your Chance To Win $100 Gift Certificate

1516 Route 23 North Butler (Stop N Shop Plaza) 973.838.1920

Huge selection of

14K gold diamond jewelry,

engagement & wedding rings,pendants, tennis bracelets,

sterling silver, amber jewelry,

watches,gift items, childrens

jewelry, Cross pens and jewelry boxes

Holiday SaleHoliday Sale

Antonelli Jewelry

We Buy Gold!

Does an investment exist

continued from previous page

To Advertise Call 973-696-8008

b lif dl i j N b 30 2011P 16 Z 3

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The joys of the holidays

are many: Sharing

eggnog, exchanging

presents, trimming the tree,

contacting the police to report

a robbery. The last one cer-

tainly isnt a joy, but its an all-

too common reality of the sea-

son. But the holidays arent the

only times that home break-ins

take place. Theres no telling

what goes through the minds of

thieves, and preparing for any

situation is the way to avoid

loss due to theft.

In the U.S., a home is

robbed every 14.6 seconds, and

the average dollar loss per bur-

glary is $2,119, according to the

Federal Bureau of Investiga-

tion. Statistics Canada offers

that break-ins are not only the

most serious type of property

crime committed in Canada,

but they are also one of the

most common. In 2009, there

were more than 205,000 break-

ins reported to the police, ac-

counting for 15 percent of all

property crimes.

Despite burglaries being

down overall in numbers in

both the U.S. and Canada,

homeowners can still be dili-

gent in their efforts to prevent

break-ins and property loss.

Here are some strategies for

thwarting would-be thieves.

Break down cardboard boxes.

Theres no better way to tell

thieves about all the new pres-

ents you received than by ad-

vertising them at the curbside.

Burglars will see that empty tel-

evision box or other expensive

gadget boxes put out for pickup

and have a clue about the new

goodies inside the home. In-

stead, cut up the boxes and

bundle them with newspapers

so they are inconspicuous.

Lock every door and window

all the time including the

garage. Many people fail to re-

alize that the garage presents a

great point of entry to the

house, one that is private and

away from the eyes of con-

cerned neighbors. Once inside

the garage, a thief can use tools

in the garage to pick at the lock

on an inside door to the home.

Forget about hiding keys.

Thieves know about all the

places homeowners hide spare

keys. Youre not fooling anyone

with faux rocks or a key taped

over the door. If youre prone to

forgetting your keys, leave a

spare pair with a trusted neigh-

bor instead.

Dont advertise your status on

social network sites. You may

be excited to share your vaca-

tion adventures with friends,

but posting pictures of your va-

cation or telling others about

when youre planning to leave

the house can be dangerous.

Even if you have your security

settings locked down to only


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committees throughout the

Borough to join them on a tour

around Kinnelon. The Land

Conservancy of New Jersey

will be taking notes and

gathering information on

Kinnelons Historical, Recre-

ational, and Open Space facil-

ities in order to update the

Boroughs Open Space Plan.

Residents should go to the

Boroughs website (www.kin-

nelonboro.org) for additional

information regarding Public

Meetings in which they

can participate. Comments /

suggestions are always wel-

come at: Kinnelon_OSAC@

yahoo.com.

The Bloomingdale Seniors are

planning on a 10 day Caribbean

Cruise out of Bayonne on Royal

Caribbeans Explorer of the Seas

on April 26, 2012. The itiner-

ary includes Haiti, Bermuda, St.

Maartin and San Juan. For in-

formation and pricing, please

call Pat at (973) 838-9259.

Jewish Family Service of

North Jersey, a recipient of fi-

nancial assistance from UJA

Federation of North Jersey, is

expanding its Kosher Meals on

Wheels program in Wayne. The

Meals on Wheels Program pro-

vides hot, nutritious kosher

meals to people age 60 and over,

or those younger who have a

disability and who are unable to

cook or shop. Volunteer drivers

bring needed meals; offer a

smile, a greeting and a personal

contact to the elderly, many of

whom seldom get out. Drivers

are needed to deliver meals two

times a month. Presently, we

are accepting referrals for people

who would like to receive

meals. Please call Paul Klein at

(973) 595-0111 to volunteer, to

request Kosher Meals on

Wheels, or for additional infor-

mation.

The Circle of Friendship, a

support group for the separated

and divorced, meets at 7:30 p.m.

every Thursday at St. Marys

Church, 17 Pompton Ave in

Pompton lakes. For further in-

formation call Christine at 973-

335-9880.

For Singles in their 20s-30s

looking to meet other young

Jewish singles, come join us for

games, friends, snacks and

more! We meet the first Sunday

of the month at Congregation

Beth Shalom, 21 Passaic Ave,

Pompton Lakes, NJ. Bring your

friends. Find our page on

Facebook or email singles.jew-

[email protected]

friends, the fewer people who

know about your whereabouts

the better. Your list of 200

friends may not be the closest

friends anymore.

Trim bushes and fix lighting.

Darkness and camouflage are a

thiefs best friends. Being able

to hide behind shrubs to jimmy

a window or lock hides him or

her from others who may wit-

ness suspicious activity. Keep

landscaping neat around door-

ways and windows, and

promptly replenish any burned-

out bulbs.

Dont give burglars easy ac-

cess. Leaving ladders or items

that can turn into stepping

stools enables thieves to reach

any window or door of the

house even upstairs windows

that may be unlocked.

Keep things out of easy view.

Some people love the open

look of drape-free windows.

However, giving outsiders a

clear view of the interior of your

home can set you up for trou-

ble, as it gives thieves a view of

your valuables. Close the blinds

after dark and especially when

youre leaving the home for a

time.

There are many tactics to

take to help protect your home

and belongings from being

stolen. Employ these tips during

the holidays and year-round.


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break-ins any timeof the yearcontinued from previous page

Community Happeningscontinued from page 13


visit our website at www lifeandleisurenj com November 30, 2011Page 18, Zone 3

8/3/2019 221657_1322491662Nov 30 2011 Z3 LowRez

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Snow certainly may be

beautiful when it is del-

icately falling flake-by-

flake to the ground. But when

the snow slowly but surely

starts to pile up, the beauty of

a winters landscape can turn

into a formidable project.

A recent 17-year study

published by the American

Journal of Emergency Medi-

cine says that snow shoveling

sends on average more than

11,000 adults and children to

the hospital every year. Snow

shoveling can contribute to

broken bones, head injuries,

pulled backs, and even heart

attacks. Overworking the mus-

cles, falling, and being hit with

the shovel were the most com-

mon reasons for getting hurt

during a shoveling session.

Individuals who have existing

heart problems may actually

experience a heart attack if

they overtax themselves while

shoveling. Adults over the age

of 55 are more than four times

as likely as younger people to

suffer heart-related side effectswhile shoveling snow.

Many people do not real-

ize just how much of a work-

out snow shoveling can be.

The physical demand of the

activity can be on par with

running on a treadmill, forcing

the heart to work overtime.

Compounded by cold temper-

atures, snow shoveling is noth-

ing to take lightly. Heeding

advice to be cautious can be

the way to stave off injury or

something more serious.

Treat shoveling just like any

other exercise and warm up

first. Stretch your muscles, jog

in place and get the heart

pumping.

Invest in an ergonomic

shovel. These shovels are typ-

ically lighter than traditionalsteel shovels and have a han-

dle and design that reduces the

need to bend a lift.

Move smaller loads of snow

at a time. The average shovel-

ful of snow can weigh 20

pounds or more, so lifting less

should provide some relief.

Push the snow as much as

you can to displace it. Should

you have to lift it, bend at the

knees. Do not twist or throw

the snow over your shoulder or

you risk back injury.

Take a break every few min-

utes to catch your breath and

have some water. It is easy to

become dehydrated or over-

heated while shoveling, but

not know it due to the cold.

Wear the proper footwear to

avoid falls on ice and snow.

Many injuries occur due to

falls on slippery surfaces.

For those who are not physi-

cally fit enough to shovel

snow, consider investing in a

snow blower or pay to have

the snow removed.


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Passaic Valley Hospice, a non-

profit organization is in need of

volunteers for various duties.

Volunteers are an integral part

of the professional Hospice team

that provides physical, emo-

tional and spiritual support to

the terminally ill. They work di-

rectly with patients and families

providing respite for caregivers,companionship for patients and

families and run errands. For ad-

ditional information please call

at 973-256-4636 ask for Laura

Entwistle. Weekday volunteers

are especially needed. REACH

OUT - Give the Gift of SELF!!

Mommy and Me Fitness!

Mothers with infants and young

toddlers have always been chal-

lenged to find a way to get backin shape while focusing on the

Part of the enjoyment of

the holiday season in-

volves spending time

in the kitchen whipping up

delicious treats. Particularly

for young children, baking

sugar cookies with Mom or

Dad and then decorating the

creations can be a festive way

to spend a day.

Those short on time can

turn to store-made sugarcookie dough for their cookie

making, but those who want

the authentic taste of cookies

from scratch, there are many

recipes from which to choose.

This recipe for rolled

sugar cookies produces cook-

ies that will hold up well to

cutting and baking. Theyre

also quite delicious.

Rolled Sugar Cookies

(Makes 5 dozen)112 cups butter, softened

3 cups white sugar

4 eggs

2 teaspoons vanilla extract

5 cups all-purpose flour

2 teaspoons baking powder

1 teaspoon salt

1. Cream together the butter

and sugar in a large bowl until

smooth. Beat in the eggs and

vanilla.

2. Mix the dry ingredients to-

gether and add to the wet in-

gredients until incorporated.Cover and refrigerate the

dough for at least one hour.

3. Preheat the oven to 400 F.

On a surface coated with

some confectioners sugar, roll

out the dough to between 1/4

and 1/2 inch thickness (a

thinner cookie will be

crispier). Cut out shapes with

a cookie cutter.

4. Line a cookie sheet with

parchment paper. Place cook-ies 1 inch apart on the parch-

ment.

5. Bake around 5 to 7 min-

utes, or just until the edges of

the cookies start to brown.

Remove promptly from the

cookie sheet and cool on a

rack.

6. Decorate the cookies using

icing (recipe below) when thecookies cool, or sprinkle with

colored sugar while cookies

are warm.

Cookie Icing

(Covers 1 dozen cookies)

1 cup confectioners sugar

2 teaspoons milk

2 teaspoons light corn syrup14 teaspoon almond extract

Assorted food coloring1. In a small bowl, stir to-

gether confectioners sugar

and milk until smooth. Beat

in corn syrup and almond ex-

tract until icing is smooth and

glossy. If icing is too thick,

add more corn syrup.

2. Divide the icing into separate

containers to add choice of col-

ors. Mix until well blended.

3. Use a piping tip and pastry

bag to outline the cookie in a

thin bead of the icing. Allow to

dry.3. Then use a paintbrush to fill

in the design with the remain-

der of the icing.

4. Wait an hour or more for the

icing to completely harden be-

fore serving.

Note: Gel colors found in

craft stores in the cake deco-

rating aisle produce deep col-

ors with little product

necessary. Theyre also less

likely to thin out icings thanliquid food coloring.

Delicious sugar cookies

v s t ou webs te at j

A Warm, Elegant & Engaging Atmosphere

Customer Appreciation Night - Every Wednesday & Friday

50% OFF Entire Check4pm-11pm. Cash only. 18% Gratuity added to total bill. Not valid with any other offers.

Closed On Christmas Day To Be With Family

Restaurant & Fine Catering Gift Certificates Available Daily Lunch Buffet & Full Menu with Specials Take-Out Full Bar

We will open for private parties on Mondays & Tuesdays

Now AcceptingReservations forChristmas &

New Years Eve

Happy Holidays From Lina, Sal & Staff

CateringFor All Occasions

On & Off Site

49 Main St Bloomingdale, NJ 973-492-2211 1-888-522-Lina (5462) www.linasristorante.comJust off Routes 23 & 287 Open Wed, Thurs & Sun 12pm-11pm Fri & Sat 12pm-12am VISIT US ON FACEBOOK

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CommunityHappeningscontinued from page 17



8/3/2019 221657_1322491662Nov 30 2011 Z3 LowRez

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demands of new motherhood.

This class lets mom keep baby

within arms reach so there is

no need to worry about find-

ing a sitter or making the time

away from baby to workout.

The StrollFit program is de-

veloped with the needs of

both mom and baby in mind.

Each 60- minute class consistsof cardiovascular, strength and

flexibility training for a total

body workout. The classes also

provide a great environment

for moms to connect with one

another and develop support

systems for achieving fitness

goals. Not to mention bond-

ing with baby! Now offered in

2 locations Wayne and

Montclair. For more informa-

tion or to attend a free class-Contact Tami Wolfe at 973-

896-4828 or email tamis-

[email protected].

j

2 LARGE CHEESE PIES

$18991 Lg. Cheese Pie & 1Order of Buffalo Wings

Only $1599Only

1 Lg. Cheese Pie & 1 ColdAntipasta or Mussels

$1699Only3 LARGE CHEESE PIES

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Super Family Package

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$2.00 Off$15.00 or More

$2.00 OffAny Large Pie

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1 Lg. Cheese Pie, 6 Mozzarella Sticks,6 Garlic Knots & One 2 Lt. Soda

Closed Mondays, Tues-Thurs 11am-10pm,Fri-Sat 11am-11pm, Sun 12-10pm

LUNCH SPECIALS AVAILABLE 11AM-3PM

Dannys PizzaTake-Out or Delivery only. Not to be

combined w/any other offers. Exp. 12/31/11

















DINNER FOR 2

$2199OnlyChicken Entrees

Any StylePasta Any Style

Side Salad

HOLIDAY

CATERING

Dannys PizzaMention this coupon. Not to be

combined with any otheroffers. Exp. 12/31/11

15% offAny Order $100 or more.

177 MAIN ST. LINCOLN PARK

973-709-0093Visit our website for complete menu:

www.202ItalianBistro.comLunch: Tue-Fri 12pm-3pm Dinner: Tue-Thurs 5pm-10pm

Closed Mondays - Fri-Sat 5pm-11pm Sun 4pm-9pm

Book Your Holiday PartyWe Will Be Open For

Christmas Eve & New Years Eve & DayCall for More Information!

3 CoursePrefix Menu

$2299 per personIncludes choice of appetizer,entree, dessert, coffee or tea

Sun, Tues & Wed

ON & OFF PREMISE CATERING AVAILABLE & PARTY ROOM AVAILABLE

THIN CRUST PIZZA STARTING AT $8.00LARGE PIZZA STARTING AT $10.50 TAKE OUT ONLY

THURSDAY & FRIDAY

All You Can Eat Pasta Night$

2199

Choice of appetizer & 3 different Pasta selections of the day

Limited up to 8 people

NEWYEAR'S

EVEPARTY!

Live4PieceBa

nd,

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st

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Startsat9:30pm

Coupon must be presented before ordering. Maximum 2 coupons per table. Not valid for parties of 8 or more.Not valid on holidays. Not valid with other offers. Excludes beverage and tax. All coupons good for two meals.NOT VALID ON HOLIDAYS. Expires 12/30/11.

*

Coupon must be presented before ordering. Maxi-mum 2 coupons per table. Not valid for parties

of 8 or more. Not valid with other offers. Excludestax. NOT VALID ON HOLIDAYS. Expires 12/30/11.

*

Shrimp Scampi or Francaiseover Linguine, Veal, Chicken,Shrimp or Eggplant Parmi-

giana w/Linguine, Chicken orSole Francaise w/Potato, Meat

Loaf w/Mashed Potatoes,Fried Shrimp w/French Fries

***Soup or Salad***

With the purchaseof a beverage.

MONDAY - THURSDAY

$10.99

LUNCH SPECIAL6 Choices for

ALL DAYSPECIAL

1. Grilled Chicken or Shrimp Caesar Salad

2. Eggplant Parmigiana Platter or Hero

3. Chicken or Shrimp Scampi over Pasta

4. Chicken, Shrimp or Sole Francaise with Vegetable

5. Meatloaf with Mashed Potatoes

6. Fried Shrimp & French Fries

7. Fish & Chips

CANNOT COMBINE WITH LOBSTER OFFER. Coupon must be presented before ordering. Maximum 1 coupon per table.Not valid for parties of 8 or more. NOT VALID ON HOLIDAYS. Not valid with other offers. Excludes tax. Expires 12/30/11.

With the purchase of a beverage.With minimumFood purchase of$35.00$10 Off

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Book Your HolidayPartyNow!

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

Rated 3 Stars In The Record Delivery Available $15 Minimum

To Advertise in Life & Leisure Call 973-696-8008

CommunityHappenings

continued from previous page


8/3/2019 221657_1322491662Nov 30 2011 Z3 LowRez

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unmatched strength and an at-

tractive appearance that holds

its value much longer than any

competitors product. Meeting

customers needs for privacy,

security, safety, and enhance-

ment will always take top pri-

ority with Anello Fence!

So come on down andcelebrate the season with

Anello Fence. Purchase your

tree, wreath, and maybe even

get a fencing quote! Anello

Fence, LLC is licensed, in-

sured, and offers solid refer-

ences with its years of

expertise, making it your best

choice for quality fencing in-

stallations! For an estimate,

call 973 839-4100. Customers

can also visit the web sitewww.anellofence.com

who have left dangerous situa-

tions can typically make good

use of noncash donations and

accept them willingly.

Donate blood. Blood banks

are often in short supply. Blood

supplies typically diminish dur-

ing natural disasters or storms

and need donors are needed to

help replenish supplies. Type O

blood is the universal blood type

and can be transferred to any-one. Those with Type O nega-

tive blood are really in demand

because their blood donations

are vital for accident victims

and babies needing transfusions.

Only about 7 percent of the

population has Type O negative

blood, according to the Ameri-

can Red Cross.

Give your time. Many differ-

ent organizations are under-

staffed and can always use thehelping hands of volunteers.

Check with organizations in

your area to see if any need someextra help. Also check with a

son or daughters school. Some

schools can use volunteers in

the library or other special cur-

riculum classrooms where

staffing has been reduced be-

cause of budget cuts.

Offer free services. Profession-

als, such as accountants, attor-

neys, teachers, and tutors can

donate their services to others,

especially those who are unableto afford them in an unstable

economy.

Raise awareness. You can be

the mouthpiece for an organiza-

tion or special agenda. Either

spread the word door-to-door,

draft letters or make public

speeches.

There are many benefits to

making financial donations. But

donating time, services or be-

longings are additional ways tomake a difference.

Q:What should shoppers keep in

mind when choosing clothing for

gift-recipients?

A:When buying clothing, try to

have a good understanding of

the persons body shape so that

you can really pick out a piece

that accents his or her style and

keeps the person feeling great!

Remember, the holidays are a

time for giving, so keep in mind

what the person you are buyingfor likes and dislikes.

Q:What clothes are good for thin

figures, full figures?

A:Many people have the mis-

conception that thin individu-

als are able to wear almost

anything. It actually can be dif-

ficult to find the perfect styles

for thin figures. Slim figures look

good in ruffles and accents.

Cinched waist and bold con-

trast looks great on this bodytype, too.

Having a full figure doesnt

mean a person cant wear fash-ion, it just means they should

wear fashions that flatter their

assets. A boat neck and shoul-

der pads (almost all of our styles

incorporate shoulder pads) can

help keep the upper body pro-

portioned. I love the mix of silks

and knit suiting together for this

body type! As difficult as it once

was to find designers creating

styles for fuller-figured women,

things have taken a drastic turnfor the better. With Saks (and

other retailers) investing a large

interest in this department, and

introducing designers such as

Chanel, YSL, Dolce & Ga-

banna, and Toula, there have

been big strides made for spe-

cial-size shopping for fuller-fig-

ured women. Toula plus sizes are

available in 14 to 24.

Q:How can gift-givers shop de-

signer without spending a fortune?A:My best advice would be to

get basics and build, such as

valuable, timeless pieces thatwill stay in style season after sea-

son. Toula designs a collection

that has a consistent black,

which means that in 10 years

the same Toula black basic you

get today will match the new

black jacket that comes out.

Many department stores

are offering designer collec-

tions at reasonable prices. In

addition to smaller boutiques,

Toula collections are nowavailable at select Dillards

Department Stores through-

out the U.S. I have received

many requests from women to

bring the collection to their

area, and Dillards is the per-

fect platform for us to reach

our loyal customers and grow

with new fans.

Shoppers can visit

www.toula.com to learn more

about the collections and tofind out where items are sold.

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Designer Q&A; Offers inside advice on clothing giftscontinued from page 6

Be charitable without spending moneycontinued from page 1

Anello Christmas

tree sales benefitlocal FDcontinued from page 1


8/3/2019 221657_1322491662Nov 30 2011 Z3 LowRez

23/28

The dream of home

ownership is one that

lives on in spite of the

global economic struggles. The

process of buying a home canbe an emotional roller coaster

ride, with feelings of excite-

ment mixed in with exhaus-

tion, fear and uncertainty.

Over the last several

years, the real estate market

has been turned upside down,

and many prospective buyers

have begun to question some

of the conventional wisdom

associated with buying a home.

While such skepticism mightbe a healthy attitude in the

current market, prospective

buyers particularly those

who have never purchased a

home before should avoid

the following mistakes that

buyers make regardless of

whether the market is up or

down.

Failure to get qualified be-

forehand. Mortgage qualifica-

tion is essential when buying ahome, as it gives buyers preap-

proval for a loan before they

make any offers. Making an

offer on a home before you

know what the bank is willing

to lend you is a waste of timefor everyone involved, includ-

ing you, the seller and the real

estate agents involved. Some

agents will not show a home if

you dont have a preapproval.

Once preapproved for a loan,

dont take any steps that might

put that approval in jeopardy.

This includes anything that

might drastically alter your

credit score.

Being blindsided by addi-tional costs. First-time home-

buyers, once they have moved

into their home, often experi-

ence some sticker shock when

the additional expenses associ-

ated with home ownership

arise. These additional ex-

penses include property tax

and insurance costs and can be

substantial. Even those buying

a condominium or co-op

should expect monthly main-tenance fees even if their new

place is brand new and needs

no maintenance.

Shooting for the moon. The

ongoing recession is in part the

result of predatory lending that

Cindy Gallagher, salesassociate with Cold-

well Banker Residen-

tial Brokerage in Kinnelon, has

again ranked as the #1 agent in

her office, based on her sales

production in October, Gal-

lagher has achieved this honor

many times in 2011 and in

prior years. Gallagher also

ranked as the #24 agent com-

panywide at the end of Octo-

ber for total units.A Kinnelon native whose

family has had ties to the local

business community for gener-

ations, Gallagher said she hasa deep affinity for the borough

in which she lives and works.

My lifetime here allows me to

offer significant knowledge

and insight about the neigh-

borhoods, schools and how the

area has evolved because Ive

witnessed that growth and

progress firsthand.

Gallagher accompanies

her local market knowledge

with continual training inorder to expand the expertise

she can provide. This includes

earning the Previews Property

Specialist designation, whichhas expertly trained her in

marketing luxury homes. She

is also a Certified Relocation

Specialist, proficient in help-

ing buyers and sellers who are

moving out of state.

A consistent award winner

for her professional excellence,

Gallagher is a member of the

Coldwell Banker International

Presidents Elite, representing

the Top 1% of over 100,000Coldwell Banker agents world-

wide. Gallagher has also earned

the New Jersey Association of

REALTORS Circle of Excel-lence Sales Award for her out-

standing service and sales

performance several limes.

For more information

about buying or selling a home

in Kinnelon and surrounding

areas, contact Cindy Gallagher

with Coldwell Banker Residen-

tial Brokerage in Kinnelon at

973-714-3897 (cell) or 973-

283-7725 (direct) or 973-838-

9300 ex 244. You can view arealistings at www.coldwellbanker-

moves.com

!!!""#!&

NJAR MILLION DOLLAR SALES CLUB 2001NJ CIRCLE OF EXCELLENCE 2002-2010

Consistent TOP PRODUCER

in the WAYNE area

973-986-6914 Cell

from MARIA FERRITO

"&%!$&

973-986-6914 Cell

Call MARIA FERRITOfor CURRENT MARKET VALUE

OF YOUR HOME

Cindy Gallagher ranks as#1 sales agent at Coldwell Banker

Kinnelon for OctoberExperienced Realtor also ranks

in companys Top SO

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Buying a home?Avoid these mistakes



8/3/2019 221657_1322491662Nov 30 2011 Z3 LowRez

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saw banks grant excessive

loans to applicants who, in

hindsight, could not actually

afford all that they were ap-

proved to borrow. The result

was many people buying

homes they could not afford,

and then suffering some steep

consequences, including fore-

closure, when the first mort-

gage payment came due or theinterest rate rose. First-time

and even veteran buyers must

avoid shooting for the moon

when it comes to buying a

home, and instead only buy

one they know they can afford.

What the banks says you can

afford isnt always the same as

what you know you can afford.

Only buy a home you know

you can afford, regardless ofwhether the bank has ap-

proved you for a larger loan.

Pigeonholing you into an in-

adequate living situation. Just

like buyers shouldnt go over-

board, they also must avoid

compromising on the things

that are most important to

them. For example, many of

todays buyers, fully aware of

the rash of foreclosures and allthe housing horror stories of

the last several years, are reti-

cent to commit to a home, and

might compromise with a

condo or co-op. But if a home

is what you really want, and

another living situation that

mirrors apartment life is going

to make you miserable, dont

settle for that situation for the

sake of security. Doing so couldcost you financially, especially

when you realize the situation

isnt what youd hoped for and

look to sell earlier than is ideal.

Skimping on the cost of an

inspector. An inspector is your

last chance to find out if a

home is your dream home or a

money pit. Even if a house ap-

pears to be everything you

want, dont close on the saleuntil the house has been thor-

oughly inspected. The old

adage that advises against

judging a book by its cover cer-

tainly applies to buying a

home, and prospective buyers

should enlist the services of a

qualified inspector before clos-

ing on the sale of a home.

KINNELON $379,000Fayson Lakes charm/character throughout this

custom home. Cul-de-sac, close to beach.

4BRs, 2 full baths. KIN2141

Kinnelon/Smoke Rise 973-838-9300

GREEN POND $950,000A home for all seasons! Beautifully crafted 3BR,

2.1 bath lakefront. Captivating water views. Fully

furnished. KIN3077


KINNELON $410,000It has all been done! 4BRs, 2.2 baths, H/W flrs.,

C/A, deck, gar., seasonal mountain views.

KIN5004


KINNELON $1,850,000Smoke Rise 17 room custom home features

5BRs, 5.2 baths, 4 car gar. Too many amentities

to list. Seller will pay SR App. Fee. KIN3091


KINNELON $1,998,000Smoke Rise highest standard of quality work-

manship, attention to detail. A visual feats. Truly

a work of art. KIN2048


POMPTON LAKES $429,999Craftsman 4BR, 3 bath home with 2 fplcs, Gour-met kit., breakfast room, FDR, In-law suite, FR,lemonade porch, IG pool + 2 car gar. WYN0149

Wayne 973-694-8000

KINNELON $2,399,000Conveniently tucked away in heart of Kinnelonon cul-de-sac rests incredible 12,000 sq. ft. es-tate with cutting edge amenities. KIN1152


KINNELON $699,000Turnkey 4BR, 3.1 bath CHC renovated 10, h/w

flrs., fplc., crown moldings, 2 car gar., above

ground pool. KIN3094


KINNELON $1,999,000

Stately 4BR, 4.2 bath CHC on 3.7 acres on cul-

de-sac, paver driveway, 3 car garage. KIN3049


WAYNE $579,999Completely renovated 3BR, 2.5 bath ColonialSplit with addl feats. EIK/isle, HW/granite/SS,MBR suite + double marble vanity bath + MOREUPGRADES! WYN0763

Wayne 973-694-8000

WAYNE $409,900Lovely 3BR Townhome with great flow & layout,LR with fplc., FDR, updated kit, HW flrs., fin. w/oLL, deck w/wood view, 2 car gar. & more!WYN0810

Wayne 973-694-8000

WAYNE $379,000Great Packanack Lake 4BR, 3 bath home withHW flrs., kitchen/Greenhouse window + newSilestone Counters, LR w/fplc. & gar. WYN0933

Wayne 973-694-8000

WAYNE $499,900Spacious 10 room Split renov. In 10 with4/5BRs, 3 baths with granite, cath. Ceiling, slid-ers to deck, Kit./granite, HW flrs. Move right in!WYN0306

Wayne 973-694-8000

WAYNE $499,900Spacious Packanack Lake Tudor with 3BRs, 2baths, HW flrs., LR with fplc., FDR, office, lg.MBath, 2 WB stoves, FR, deck, patio + fencedyard. WYN0927

Wayne 973-694-8000

WAYNE $809,900Black Oak estates 4BRs, 4.1 bath Colonial withopen floor plan, banquet-size DR, EIK/granite,FR with fplc., office/library, fin. Bsmt. + 3 cargar. WYN0826

Wayne 973-694-8000

KINNELON $525,000Smoke Rise 3BR, 2.1 bath Ranch features

Cath. Ceiling/skylight, track lighting, full w/o

bsmt. KIN5017


KINNELON $579,000Smoke Rise 5BRs 4.1 bath Expanded Ranch,2 fplcs., HW flrs., 1st w/o bsmt. with wet bar,IG pool. KIN3034


KINNELON $624,000Smoke Rise delightful 12 room, 5BR, 3.1 bath

expanded Ranch on a cul-de-sac with pools &

fin. w/o LL. KIN2273


WAYNE $375,000Special 4BR, 1.5 bath all brick home on beau-tiful prop. With newer windows, HW flrs., fin.Bsmt, gas fplc. Near school, shops & transp.WYN0938

Wayne 973-694-8000

WAYNE $399,000Great Pines Lake cul-de-sac location for this3BR, 2 bath home with updated kit., FDR, niceSun room, sin. Bsmt. & gar. WYN0717

Wayne 973-694-8000

WAYNE $569,900Spacious 4BR, 2.5 bath Colonial withWalnut/granite eat-in-kit., FR with fplc., HWflrs., 2 car gar. & more on cul-de-sac loc. Nearshopping & major roads. WYN0827

Wayne 973-694-8000

GREEN POND $349,900Green Pond value Space 3BRs + office, 2.1baths on deep wooded lot / seasonal views oflake, oversized 2 car ar. KIN2086


GARFIELD $364,625New construction. 2BR, 2.5 bath Townhome atSignature Place hottest new Bergen CountyCommunity. More 2BR, 2-3 bath, dens & loftsavailable & garage. WYN0593

Wayne 973-694-8000

BLOOMINGDALE $292,900Move in ready 3BR, 2 bath Ranch with eat-in-kit, part. Finished bsmt. & one car gar. Nearschools & major highways. WYN0562

Wayne 973-694-8000

Buying a home?Avoid these mistakescontinued from page 23


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For well over half a cen-

tury, Cathedral Choir

221657_1322491662Nov 30 2011 Z3 LowRez

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