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F

all is a great time to enjoy the

great outdoors. Beautiful fall

foliage coupled with greatweather compel many people to

spend ample time outdoors before

the arrival of harsh winter weather

drives them back indoors. The fol-

lowing are a handful of activities

that are tailor-made for fall.

Raking leaves: While raking

leaves might not jump out at you

as a great way to spend a nice fall

afternoon, families often find rak-

ing leaves together soon turns intoa fun day in the yard. Build leaf

piles and let the kids jump in, and

then do it again.

When raking, encourage

kids to collect some colorful leaves

and set them aside. Once the rak-

ing is done, you can then enjoy

making some homemade crafts

with the leaves you and your

youngsters just collected.

Apple picking: Perhaps no activ-

ity is more synonymous with fall

than apple picking. Many appleorchards encourage customers to

come by and pick their own apples

in the fall. Once your family and

you have scoured the orchard for

the perfect apples, relax with a cup

of warm apple cider before return-

ing home to make some home-

made apple sauce and, of course, a

delicious apple pie.

Hayride: Hayrides are another

fall tradition, and many farms offer

relaxing hayrides throughout fall.Younger children who may tire if

asked to patrol an apple orchard

for apples might find a hayride is

more their speed. Some farms may

even allow customers to walk the

grounds and visit the animals on

the premises.

Fun family activities tailor-made for autumn

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

September 18, 2013

Zone 3, Vol. 11, No. 18

We are a Family, Friendly Publication

FALLREGISTRATION

SEE PAGES 8 & 9continued on page 13

7/29/2019 221657_1379066684Sept 18 2013 Z3

2/32

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

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

SEPT 19

Its time to join the best organizationaround! Girl Scouts in Pompton Lakesand Riverdale, grades K-12. Come tothe Pompton Lakes Reformed Church,

59 Hamburg Tpk on SaturdaySeptember 14 from 9am-12pm andTuesday September 19 from 7-9pm toregister your girl(s) or just learn more

about this great opportunity. For moreinformation, email Paulette at letu-

[email protected]. See you there!

SEPT 21Passaic County Freeholder candidatesChristian E. Barranco, Phil Weisbecker &the Pompton Lakes Republican Club cor-dially invite you to a HometownRepublican Dinner. Enjoy a night of din-ing and music. September 21 at 6pm,held at the Pompton Lakes Elks Lodge

#1895 located on Perrin Avenue.Keynote Speaker: Assemblyman JayWebber. Suggested donation $65.00.Please make checks payable to

Barranco Campaign Fund or BCF. Sendto C. Barranco, 2 Maple St., Pompton

Lakes, NJ 07442. Or call 973-897-1873for more information.

SEPT 25

The date and time for the Makeoversfor Interviews Program at Butler PublicLibrary has been changed toWednesday, September 25 from6:308pm presented by Lynn AnneCutler, Mary Kay Independent Beauty

Consultant. Make your first impressioncount. Participants will receive productsamples to take home, and the opportu-nity for a follow-up consultation with

Independent Beauty Consultant LynnAnne Cutler. This free program is limited

to 10 participants - call 973-838-3262,or stop by the Library to pre-

register. Butler Public Library is locatedat 1 Ace Road, behind the municipalbuilding, on the internet at www.butler-library.org,

SEPT 28

Family & Friends for Freedom Fundpresents a benefit at the RhinoTheatre,

247 Wanaque Ave, Pompton Lakes tosupport our wounded soldiers. Showtime Saturday, September 28 at 8pm. Ticketdonation $20.00. Gene Ferrari will once

again star in a Benefit for our WoundedWar Heroes. Genes classically elegantstyle, both in performance and in attire,begs comparison to such great singers asTom Jones, Engelbert and Neil Diamond.They gave to us, now it is our turn togive to them! Come out and support thisgreat event! Call Kathy Sturla at 973-

897-2237 for tickets. For moreinformation call 973-897-2237 orwww.injuredmarinesfund.org.

Around theCommunity

True Vine Christian Center, located at99 Two Bridges Road in Lincoln Parkoffers a food pantry which is open everysecond & fourth Wednesday of themonth. Remaining 2013 dates are asfollows: September 11 & 25, October 9

& 23, November 13 & 27, December 11& 19 (this is the third Wednesday sincethe forth is Christmas Day). The hoursare from 5:30-6:45pm. It is for families

that are in need.Riverdale Public Library announcesSeptember-October 2013 Programs forchildren and teens. Story Times forInfants and Pre-schoolers, programsbegin September 9 and end October 29.Puppy Pals, Wednesday September 11& October 9, from 4-5pm, Breakfast

Book Club Saturday September 21,10:15-11:30am, Lego Lab,Wednesday, September 25 & October

23, from 4-5pm, Teen Movie Night,Wednesday, September 4 & October

2,from 5:30-7:45pm, Teen Book Club,Wednesday, September 18 & October16, 6-7pm Teen Crocheting Wednesday,September 25 & October 23, 6-7pmRegistration required for all programs.Please call 973-835-5044, go online atwww.riverda lelibrary.org, or [email protected] to regis-

ter or for more information.The Unorthodox Wood Carving Club isnow excepting new members. We are asmall group of woodcarvers with inter-

ests in carving duck decoys, birds, andall other types of wood carving designs.Some power equipment available foruse. Please stop by Pompton Mill Works2nd Floor 145 Ringwood Ave Wanaqueor call 973-934-6520 for more infor-mation.The Bloomingdale Friends of the

Library would like to welcome newmembers/volunteers. If you are look-

visit our website at www.lifeandleisurenj.com September 18, 2013Page 2, Zone 3

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

Lincoln Park, NJ 07035 973.696.8008

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

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

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

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

advertisements that appeal to the entire family; the final determination of which is made by the Life & Leisure. Views expressed in Life & Leisure arethose of the respective columnists and writers, and do not necessarily reflect those of the publisher, or Life & Leisure. Advertising is open to anyonedesiring to reach the public and is subject to approval, revision and/or rejection at any time by the publisher. Many of the articles are paid for by theauthor and are in effect advertisements. Publication of any advertisement does not constitute, either implied or inferred, an endorsement of services,products or businesses advertised. 2013 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.

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What do these yearshave in common:

1987, 1990, 1994,

2000, 2001, 2002 and 2008?

Not sure? Let me ask the

question a different way.

What did these years in the

stock market do to your

retirement portfolio? Were

you still working when the

markets crashed, corrected or

burned? Did you view this as

a momentary problem thattime would heal? Did you

view these years as buying

opportunities since the prices

were on sale by 10 percent

off or more? Did you take

advantage of the opportunity

and invest heavily, adding to

your temporarily discounted

retirement accounts? If not,

dont you wish you did?

For some investors,

crashes, corrections anddepressions are merely a

great time to buy and invest

more for gains yet to come.

For others, these negativemarket events cause stress,

tension, anxiety and high

blood pressure. The deter-

mining factors of either an

opportunity or reason for

alarm boil down to just one

word: liquidity!

When we work, we gen-

erate capital, creating liquid-

ity. When we are retired, liq-

uidity is severely limited

or non-existent becauseemployer based bi-weekly

paychecks no longer come

in. In fact, crashes, correc-

tions, recessions, depressions

and inflation are devastating

to those on a fixed income

or portfolio-based income

stream. If you have surplus

capital, you look forward to

dips in the markets that gen-

erate buying opportunities. If

you have no surplus or areliving on the majority of

what your portfolio can safe-

ly produce, very little good

can come from falling mar-kets whether they are

stocks, bonds, real estate,

precious metals or commodi-

ties because you cannot

afford to participate. To risk

further decline or erosion

could prove fatal!An analysis of the dates

reveal the following: There

are 26 years between 1987

and 2013. The years chosen

in my opening paragraph rep-

resent the seven worst per-

forming years of the 26-yearspan. That means 27 percent

of the 26 years were overtly

negative, and some people

have never recovered!

If you believe that the

stock or bond markets will

never experience a crash or

correction again, please dis-

continue reading this column

right now and dont waste

another minute of your time.

If you hold to the belief thatthe markets comprising the

holdings in your retirement

portfolio may go into nega-

tive territory at any time,

exacerbated by the monthly

withdrawals that must con-

tinue to support you and your

spouse for the rest of your

life, please invest a few more

moments of your time read-

ing to the end, for your own

economic benefit.Is your retirement port-

folio crash proof? In other

words, will your income

stream be uninterrupted if

the markets fell 40 percent in

a year? Would your level of

income be free from decline?

Would you be able to access

your portfolio in the event of

an emergency to grab a largesum of capital on demand? If

you or your spouse entered a

nursing facility, would your

income be satisfactory to

handle the additional costs

while still being able to

maintain your household? Is

your portfolio designed to

pay you a stable income for

the rest of your life, even if

the IRS says your IRA must

be depleted as you age? Whatabout a legacy for your chil-

dren? Will they receive any-

Is your portfolio crash proof? By Mark Charnet


continued on page 10

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7/29/2019 221657_1379066684Sept 18 2013 Z3

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Whitening is not

permanent. People

who expose their

teeth to a lot of foods and bev-

erages that cause staining maysee the whiteness start to fade

in as little as 1 month. Those

who avoid foods and beverages

that stain may be able to wait

one year or longer before

another whitening treatment

or touch-up is needed.

Tips for maintaining your

newly whitened teeth include:

Avoiding the consumption of

or exposure to products that

stain your teeth. If you dochoose to consume beverages

that stain, consider using a

straw so that the liquid bypass-

es your front teeth.

Brush or rinse immediately

after consuming stain-causing

beverages or foods.

Follow good oral hygiene

practices. Brush your teeth at

least twice daily and floss at

least once daily to remove

plaque. Use whitening tooth-paste (once or twice a week

only) to remove surface stains

and prevent yellowing. Use

regular toothpaste the rest of

the time.

Consider touch-up treat-

ments. Depending on the

whitening method used, youmay need a touch-up every 6

months or after a year or two.

If you smoke or drink lots of

stain-causing beverages, you

may need a touch up more

often.

Frequently Asked Questions

Does insurance cover the cost of

whitening procedures?

No. Dental insurance

does not typically pay for the

cost of the tooth whitening

procedure.

Does teeth whiteners damagetooth enamel?

Studies of whitening

products using 10% carbamide

peroxide showed little to no

effect on the hardness or min-

eral content of a tooths enam-

el surface.

Do teeth whiteners damage exist-ing dental restorations?

Over 10 years of clinical

use of whitening products con-

taining 10% carbamide perox-

ide have not shown any dam-

age to existing fillings. The

issue is not damage to exist-

ing restorations; rather, keep

in mind that existing restora-

tions such as tooth-colored

fillings, crowns, bonding,

veneers, and bridges do not

lighten. This means that any

preexisting dental work mayneed to be replaced to match

the new tooth shade achieved

in the natural teeth, should a

bleaching process proceed.

Do teeth whiteners damage a

tooths nerve?

Theres no evidence to

date that the tooth whitening

process has a harmful effect on

the health of a tooths nerve.

One study reported that at

both a 4.5 and 7-year follow

up, no individual who used atooth whitening system need-

ed a root canal procedure on

any teeth that had been

whitened.

Dr. Peter Brusco is a 1980

graduate of The University of

Pennsylvania and has been

practicing in Kinnelon since

1982. Dr. Bruscos practice is

located at 170 Kinnelon Road,

Suite 29A in Kinnelon. Youmay reach him by calling 973-

838-5862 or visiting him on the

web at www.drbrusco.com.

Follow-Up Care By Peter Brusco, DMD


7/29/2019 221657_1379066684Sept 18 2013 Z3

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This fall, the Jacksonville

Chapel Sports Ministry

is bringing baseball

pitching classes to the commu-nity every Wednesday night.

Participants will practice the

basics of baseball in a clinic for-

mat with emphasis on integrat-

ing faith and character on and

off the field.

Classes are led by Mike

Warden, former All-Morris

County Baseball Player for

Pequannock High School and

All-American at Southern

New Hampshire University. Hehas coached the Teel and

Wladyka club teams and has

coached two current Major

League players. He is also an

instructor at Dichiaro Baseball

School.

Classes run Wednesdaysat the Jacksonville Chapel gym

from Sept. 11Nov 2. Children

in 2nd5th grades play 67pm

and children in 6th12th

grades play 78pm.

All children are welcome

and its recommended they

bring their own gloves. Space is

limited so register today at

www.chapelnj.org/sports or call

Kathy at the chapel office: 973-

334-6657. Jacksonville Chapelis located at 264 Jacksonville

Road in Lincoln Park.

All-American pitcher to

teach baseball clinics at

Jacksonville Chapel


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Community Happenings

ing to make new friends, want to shareyour leadership skills, and participatein our fundraising events, please cometo a meeting and help support thelibrary! You can make a difference inyour community! Meetings are on the

3rd Wednesday of each month, at 7pmin the Council Chambers, above thelibrary. For questions or more infoplease call or stop by theBloomingdale Free Public Library, 101Hamburg Turnpike, Bloomingdale orcall 973-838-0077.Whether you are still suffering fromthe bleak memories of war or haveresolved to put it all behind you, PointMan Ministries is for you. Point Man isa Christian ministry dedicated to help-

ing veterans find peace with them-selves and the world around them. Ifyou are doing fine after the war, thatsfantastic but dont forget about yourbuddies who are still suffering. Findout how you can help. Call BarryJensen at 973-809-9665. Point ManMinistries meets the first Thursday of

every month from 7:30-9:30pm atCornerstone Chapel 620 Route 23North, Pompton PlainsThe Pompton Lakes Republican Clubinvites you to its monthly meetings onthe third Thursday of each month atthe VFW Post 2906 off Wanaque

Avenue in Pompton Lakes. Mem-

bership is open to the public. Getinvolved with the PLRC and partici-pate in informative meetings,community outreach, scholarshipsfor youth, and social activities.Questions? Call 973-835-4025 or e-mail [email protected].


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continued from page 2

7/29/2019 221657_1379066684Sept 18 2013 Z3

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thing from your estate? Is

it guaranteed?

Though the federal

estate tax bracket has been

fixed at $5,250,000, NJ con-

tinues to hover at $675,000.

This means if your estate,

counting your home, exceeds

that amount, taxes will have

to be paid! Are you prepared

to take care of this mandated

reduction in your bequest to

them?

Here are the nine points I

am making:

1. I insist on a guaranteed

rising income for the rest of

my life, and my wifes, when

we stop working.

2. I demand long-term care

portfolio protection to insure

the integrity of my assets and

income.

3. I require that my portfolio

be designed with the least

amount of governmental

intrusion (taxes) as possible.

4. I desire to leave the great-

est sum we possibly can to

our favorite charities (our

four children) when my wife

and I are gone.

5. I must have protection

from stock and bond market

losses, so that my income and

insurance programs put in

place will not be compro-

mised when the negative

market years occur. (And

occur they will).

6. I mandate that during ris-

ing markets my portfolio will

be able to capture the high

values to reset my lifetime

income stream, which will

never retreat, upward.

7. I need the flexibility and

liquidity to make adjust-

ments as necessary when sit-

uations arise.

8. As part of my retirement

plan, I have documents in

place that designate my

executors, trustees, power of

attorney, health proxy and

living will advocate.

9. My plan must include

funds for entertainment

value that are disposable and

discretionary (e.g. Vegas,

travel and gifting).

This is how my personal

retirement and estate plan is

designed and how I practice

the 7 Ps: Proper Prior

Planning Prevents Poor

Performance Period! It is

designed to Maximize my

income today while protect-

ing, preserving and perpetu-

ating my wealth for tomor-

row. My 32 years of experi-

ence in the retirement and

estate-planning field have

taught me that most people

agree with these basic ten-

ants for their own retirement

and estate plan. Wouldnt

you agree? If so, and a self-

analysis reveals that you are

not set-up properly to

include each of the nine ben-

efits listed above, perhaps a

no-cost, non-obligatory con-

sultation with me would be a

prudent move. There is no

fee and no commitment nec-

essary to get my professional

opinion on your personal

plan. Why not avail yourself

the opportunity to hear and

learn more about improving

and upgrading your financial

future? Or you may choose to

attend our free retirement

and estate-planning work-

shops from Sept. 2426 at

our public learning center,

located in the APG National

Headquarters at 901 Route

23 South in Pompton Plains.

Call or e-mail today for more


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continued on next page

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information.

Mark E. Charnet, CAS, CSA

is president and founder of

American 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

experience in the retirement and

estate-planning fields and en-

courages your inquiries at

877-885-1APG (1274),

973-831-4424 or

[email protected].

For more information, visit

www.1apg.com. Interested in a

career in retirement and estate

planning? Visit www.apgfran-

chise.com. Securities through:

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Ahealthy pet is a happy

pet and responsible

pet owners know that

their beloved pets health rests

largely on their shoulders.

Ensuring a pet is healthy over

the long haul can be quite sim-

ple. While some pets may

develop medical conditions

that require more attention,

the following are a few simply

ways pet owners can keep their

pets healthy.

Dont skip visits to the

veterinarian. Unlike humans,

pets cant speak for themselves,

so its quite possible that a pet

could be hurting or dealing

with a medical condition while

its owner has no idea. Annual

veterinary checkups can help

avoid such situations, and the

vet might notice a developing

condition before it becomes

anything serious. If a pets

behavior suddenly changes,

schedule a veterinarian visit as

soon as possible, as this behav-

ioral change could be indica-

tive of a medical issue.

Prioritize vaccinations.

Vaccinations can protect a pet

from a host of ailments, includ-

ing rabies, distemper and Lyme

disease. New pet owners who

adopted a pet from a rescue

organization should get docu-

mentation about the animals

past vaccinations. (Certified

kennels typically provide such

documentation at the time of

adoption.) If there is no such

documentation or if there are

documents showing the pet

received certain vaccinations

but not necessarily all of its

vaccinations, take the pet to

the veterinarian and have the

animal receive those vaccina-

tions that arent documented.

Spay or neuter the pet.

The ASPCA notes that spay-

ing or neutering a pet is a pre-

ventive measure that can help

a pet in the long haul. Spaying,

or removing the ovaries and

uterus of a female dog or cat,

can prevent diseases, such as

breast cancer and pyometra, as

well as infection and keep the

animal from going into heat.

Neutering a male dog or cat

before it reaches six months

can reduce the likelihood that

the animal will behave aggres-

sively, while helping to prevent

testicular cancer, diseases of

the prostate and hernias.

Help the pet fight heart-

worm. Heartworm isnt easy to

treat, but it is easily

prevented. Cat ow-

ners should speak to

their veterinarian

about heartworm

and the best course

of action, as cats are

less likely to devel-

op heartworm than

dogs, who are natu-

ral hosts for the

infection. Dogs should be test-

ed for heartworm annually in

the early spring, and the veteri-

narian might prescribe a pre-

ventive medication the dog

will take once per month. How

long the dog must take the

medication depends on the

dog and the veterinarian, but

dog owners should heed the

vets advice.

Get your pet off the

couch. Humans should not be

couch potatoes and neither

should their pets. Regular

exercise burns calories while

increasing muscle mass

and improving cardiovascular

strength. Dog owners should

know that how much exercise

their dog needs depends on its

breed, age, sex and physical

condition, so discuss a proper

exercise regimen with your

veterinarian. Cats need exer-

cise, too, and cat owners

should also discuss the specifics

with their vet.

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Hiking: Hiking is a fun

activity that can be enjoyed

nearly year-round, but its

especially enjoyable in the

fall. Thats because few

things in nature are as capti-

vating as a park or forest

when the fall foliage is in full

bloom. Early fall also boasts

ideal temperatures for hiking,

as the mercury likely wont

rise enough or sink low

enough to produce the kind

of extreme temperatures that

can compromise a hikers

afternoon. Instead, fall tem-

peratures tend to be mild and

comfortable, allowing hikers

to fully enjoy their often

beautiful surroundings.

Corn maze: Visiting a corn

maze is another activity that

many people instantly associ-

ate with fall. Some farmers

transform their cornfields into

corn mazes once the tempera-

tures dip, and such mazes can

be fun for adults and children

alike. Though adolescents can

often be trusted to find their

way through corn mazes,

younger kids should be

accompanied by an adult.

Pumpkin picking: Much

like apple picking is best in

fall, so is pumpkin picking.

Rather than buying your

Halloween pumpkin from

the grocery store, where your

options may be limited, go

straight to the source and

pick your future jack-o-

lantern from a nearby pump-

kin patch, which will provide

a much wider selection. Let

your youngsters pick their

own pumpkins and then

spend the rest of the day

carving them at home. And

dont forget to save those

seeds, which can be roasted

over an open flame to make a

delicious snack.


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While there are many

ways to help an

elderly loved one

do all they can to maintain

health, one of the best ways to

improve both the physical and

mental health of a senior citi-

zen is meditation. We know

that meditation can reduce

stress and help us relax, but

recent studies have shown that

meditation can also relieve

pain, reduce the probability of

heart disease and improve cre-

ativity. Here are some other

benefits of meditation:

1. The deep breathing exercis-

es central to any program of

meditation encourage oxygen

enrichment to the blood.

Senior citizens who suffer from

digestion problems often see

immediate relief because the

oxygenation of their digest-

ive functions is empowered

through meditation. This extra

oxygen boosts the immune sys-

tem, heals the lungs and

improves circulation.

2. Meditation also causes

increased alertness and the

ability to interact with others

and surroundings. The

increased oxygen in the blood-

stream of the elderly user of

meditation will cause brain

functions to improve.

3. Because both the mind and

the body become more relaxed,

the mental and physical health

of the individual is improved

drastically. Seniors who suffer

from depression can benefit

from meditation. During medi-

tation, feelings of happiness are

created in the mind, which

increases daily happiness and

satisfaction.

4. Meditation improves physi-

cal energy, making the senior

years just as rewarding as

other life phases. Meditation

is also easy to learn and

requires no certain religious

affiliations. The fact that

meditation is flexible and easy

to do makes it a great choice

for everyone, quickly enrich-

ing the lives of seniors.

5. A study, published in the

Journal of Brain, Behavior &

Immunity, shows that eight

weeks of training in mindful-

ness meditation is linked with

decreased loneliness. Aside

from alleviating loneliness,

mindfulness meditation has

also been shown in past

research to have positive effects

on the brain linked with

brain changes that may even

have effects against mental ill-

ness.

Sonia Scott is the owner of Dor-

son Home Care, a full-service

home health care agency provid-

ing families throughout northern

and central New Jersey with

compassionate home care services

since 1989. For more informa-

tion, visit www.dorsonhome-

care.com or call 973-672-7691.


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The break-even point

in your business is

where all direct and

indirect costs have been met.

You are neither making nor

losing any money. The break-

even point can be measured in

number of units sold, dollars

of total sales or possibly hours

billed out.

To calculate your

breakeven point, you must

first determine your direct

(variable) and your indirect

(fixed) costs. Direct costs vary

with the number of units sold.

For every unit you sell, you

must buy another set of the

components. Your indirect

costs dont normally vary for a

given volume of business.

Your gross profit per unit

(sales less direct costs, known

as the contribution margin)

goes toward paying for these

indirect costs. Once the indi-

rect costs have been paid, you

have reached the break-even

point. The gross profit from

every unit sold over the break-

even point goes to the bottom

line as profit.

To simplify this exam-

ple, lets assume that you run

a food stand that sells only

hamburgers. For every burger

you sell, you need to buy

meat, a bun, trimmings,

and a paper serving plate.

Assume your burger sells for

$6 and the total of the direct

costs is $2 per burger. This

means that you have a con-

tribution margin of $4 to go

toward fixed costs.

Your fixed costs include

such things as rent, insurance,

advertising, taxes and so on.

Within limits, selling a few

more burgers will not cause

these expenses to increase. If

your total fixed costs are $100

a day, your breakeven point is

25 burgers or $150. Once you

pass 25 burgers, $4 from each

additional sale goes to your

bottom line as profit.

For assistance in deter-

mining your break-even point

and its effect on your prof-

itability, give us a call.

Robert P. Sokoloff, CPA & As-

sociates, PC is a full-service ac-

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throughout Northern New Jer-

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our clients with professional,

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can be contacted with any of

your tax or business needs at

973-633-1001 or rps@cpanew-

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Do you have any strate-

gic alliances with

affiliated businesses?

These are businesses that are

complimentary to your busi-

ness. Examples of complimen-

tary businesses include plumb-

ing, electrical, carpentry,

HVAC, landscaping, win-

dows, furniture, doors, paving

and concrete. Each of these

companies comes across two

to five sales leads every

month. If not, they are not

networking or asking the

questions. You should have a

list of at least 25 other compa-

nies that you refer business to,

and that refer business back to

you. And youd better be

tracking both.

By bringing other con-

tractors to your customer, you

are insulating yourself against

competition. If I were an elec-

trician and brought a plumber

to my customer, the last words

out of my plumber to my cus-

tomer better be, I know

another electrician.

What about competitive

businesses? Have any alliances

with them? Yes, your competi-

tors. Some competitors are

really nice people! I have sev-

eral electrical contractors that

are friendly competitors. They

have signed agreements not to

try to take each others cus-

tomers. They share employees

when they can, which is bet-

ter than hiring and firing, and

gives current employees more

confidence that they have a

job long-term.

Do you have strategic

alliances with your suppliers?

Have you received a sales lead

from your suppliers? And not

just the suppliers in your

industry. Your insurance

agents, bankers, lawyers,

accountants, printers, clean-

ers, maintenance and delivery

service members, caterers,

contractors have they

brought you business? You

should have a chart in the

office and make it a competi-

tion. Send every supplier a let-

ter once a quarter to

announce the top suppliers

and who is on the bubble.

If you would like more

info on networking and to see

how it is really done, check

out some great networking

meetings at www.join24-

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17/32

One of the hot new

trends in hardwood

flooring this season is

the use of beautiful brown

flooring colors to inspire home

decors by bringing nature

indoors. Touted as the colors

of tomorrow by a leading

Canadian hardwood flooring

manufacturer, these new colors

already have interior design

professionals and enthusiasts

buzzing.

Mercier Wood Flooring,

one of North Americas leading

hardwood flooring manufactur-

ers, recently rounded out its

Design + Program for hard-

wood floors with two trendset-

ting hues Autumn Leaf and

Kalahari which they called

the colors of tomorrow during

their official launch.

Mercier Wood Flooring

is always on top of the latest

trends and never more so than

today with the launch of these

new colors, said designer

Nancy Soccio of Dolce

Interieur in Montreal. My

clients are always looking for

these types of contemporary,

yet nature inspired colours that

work great in modern and clas-

sic decors.

According to Michel

Collin Marketing Director for

Mercier theyre latest offering

have already become favorites

with clients. A perfect blend

of dark brown tones, Autumn

Leaf is resolutely contemporary

yet gives the impression that

nature has really come into

your home, he added. And

because it respects the funda-

mental principles of global har-

mony, it will go well with any

style.

Kalahari, another popular

hue from this years palette, fea-

tures beautiful gold and cognac

tones. Soccio liked the versatil-

ity of this color that can be used

in any decor. Delightfully par-

adoxical, Kalahari is both

trendy and timeless, she

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color it will brighten up any

room. Its ideal for both chic

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that are more modern or coun-

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widths. More information on

the latest trends in wood floor-

ing is available at www.mercier-

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visit our website at www lifeandleisurenj com September 18, 2013Page 18, Zone 3

7/29/2019 221657_1379066684Sept 18 2013 Z3

18/32



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Home may be where

the heart is, but italso can be an

unsafe place if safety hazards

are not recognized and

addressed.

The Consumer Product

Safety Commission says that

each year 33.1 million people

are injured by consumer

products and other dangers

in the home. Here is a collec-tion of home hazards that

can compromise safety in and

around the house.

Flooding: Super storms have

been wreaking havoc on

many areas of the country.

Flooding is a common side

effect of strong rains and

high tides, and the aftermath

of a flood can turn a homefrom a haven into a hazard.

Microorganisms in flood

waters may contaminate

drinking water, and wet walls

and floors can present a

breeding ground for insects,

pests and microorganisms

like mold and mildew. The

National Safety Council says

microorganisms can pene-trate into soaked, porous

materials and later be

released into the air and

inhaled. Flooding also may

lead to weakened or rotted

floorboards.

Magnets: Very small magnets

are popular in jewelry, toys,

building sets, and more. The

number of products with

strong magnets has in-

creased, which may pose sig-

nificant safety threats to

children. The CPSC says

that magnets have con-

tributed to one death and 86injuries since 2005. Eight

million magnetic toys have

been recalled. Magnets that

are swallowed may not pass

easily through the digestive

system. Oftentimes, they can

get trapped in place when

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twist the intestines, poten-

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Furniture tip-over:

Large furniture and electron-

ics that are not balanced well

or anchored to a wall can be

pulled over by children and

even adults. Small children

can be seriously injured by

tip-over accidents. Tip-overs

cause an estimated 22 deathsper year.

Pools and spas: While

drowning in pools and spas is

a leading cause of death,

there are other dangers lurk-

ing. Faulty underwater light-

ing, appliances that fall into

the water and aging wiring

can result in electrocution.

The CPSC notes that suc-

tion from a pool or spa drain

is also potentially hazardous.

The majority of suction acci-

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continued from previous page

continued on page 22


7/29/2019 221657_1379066684Sept 18 2013 Z3

22/32

suction can hold an adult

underwater. There have evenbeen cases of people being

disemboweled from pool

drains. Installing a safety

vacuum release system thatturns off the pool pump when

a drain is blocked can pre-

vent entrapment.

Fire: Home fire injuries arehighest among seniors and

children under the age of

five. In addition, home fires

are a leading cause of emer-gency room visits. Smoke

alarms on every level of the

house can alert to danger, but

ensuring candles are extin-

guished and electrical wiring

is up to date and making sure

space heaters and other

appliances are not left

unattended can help

prevent fires.

Garage doors: The CPSC

says an average of 20,000

people each year are treated

in the hospital for injuriescaused by garage doors. From

fingers and toes getting

trapped to heavy doors

falling on children and

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BM; 4.95"; 5.8"; Black; -

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

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Findingthe RightRestaurant

for YourDinnerParty

Over the last couple of years, dining out has become an even bigger luxury than itonce was. Thanks to the struggling economy, many people have decided to cutback on spending, and dining out has become casualty of such events.

While the economy is gradually rebounding, dining out is still largely reserved forspecial occasions among those whose memory of the recession is still fresh. However,dining out does remain a strong choice when hosting a special occasion such as a birthdayparty or anniversary celebration. When choosing a restaurant to have such a gathering,consider the following tips to ensure that rare restaurant night out goes off without a hitch.

NEWwhats

in dining?

Look for versatility in a menu. Whendining out, the emphasis is obviously on thefood. Couples might enjoy certainrestaurants they have previously patronized,but that does not necessarily make therestaurant ideal for a party. When shoppingfor a restaurant, look for one that boasts aversatile menu that can cater to a vast arrayof palates. Especially for larger parties, theversatility of the menu is very important.Restaurants that boast a large entreeselection that includes meat, poultry,seafood, and even vegetarian dishes ensures

each guest has options. Examine the elbow room. Because diningout has become such a luxury, comfortshould be another key consideration. Look

for a restaurant that provides ample elbowroom so everyone can relax and wont feelcrowded.

Be sure there are places to park. Chancesare, most guests will be driving to the party.While it seems like an afterthought, therestaurant should provide ample, and ideallyfree, parking. Avoid restaurants that chargefor valet service or inquire if such servicecan be included on the tab ahead of time.

Reserve well in advance. If its a trulyspecial occasion, be sure to begin the processof finding a restaurant as early as possibleand make a reservation the moment adecision is made. Reservations can alwaysbe cancelled should things not work out.

Indian Restaurant

Family Restaurant

Fine Dining

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To Advertise Call973.696.8008


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6 ounces thickly slicedbacon, coarsely chopped

1 large red onion, finely

chopped

1/4 cup finely chopped celery

15 ounces frozen corn,

thawed (3 cups)

3 cups whole milk

1 pound red potatoes,

scrubbed and cut into

1/2-inch dice

1/2 cup heavy cream

2 tablespoons mincedchives, plus more for

garnish

Salt and freshly ground pepper

Tabasco

1/2 pound medium sea

scallops

In a large saucepan, cook

the bacon over moderately low

heat until crisp, 10 minutes.

Transfer the bacon to paper

towels to drain. Pour off 2tablespoons of the bacon fat

and reserve. Add the onion

and celery to the pan. Cook

over low heat until softened,

12 minutes.

Meanwhile, in a food

processor, puree 1 cup of the

corn with 1 cup of the milk.

Add the corn puree to the

saucepan along with the

remaining 2 cups each of corn

and milk and the potatoes.

Simmer over low heat untilthe potatoes are tender, about

20 minutes. Stir in the cream,

chives and the reserved bacon.

Season with salt, pepper and

Tabasco and keep warm.

In a large skillet, heat the

reserved 2 tablespoons of

bacon fat until shimmering.

Add the scallops, season with

salt and pepper and cook over

moderately high heat until

browned, about 1 1/2 minutes

per side. Ladle the soup intobowls; top with the scallops

and chives and serve.

Make Ahead The recipecan be prepared through Step

2; refrigerate overnight.

Corn Chowder with Bacon and Sea Scallops

Fresh seafood, the finest quality meats, seasonal ingredients and a chef whoensures every course is prepared to perfection. Thats our recipe for success.

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Toppings Extra. Not to be combined w/any other offer. Exp. Oct. 31, 2013

To Advertise

Call 973-696-8008


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Many life events are

worthy of celebra-tion. Many fami-

lies aspire to have parties

honoring special events, such

as graduations, births, retire-

ments, bar mitzvahs, Sweet

Sixteens, and much more.

Hosting such a party can be a

great time, and such host-

ing duties need not break

the bank.Hosting a party can be

an expensive undertaking.

An unsteady economy has

left many families pinching

pennies for the necessities,

and hosting duties are a luxu-

ry many families cannot

afford. But hosts who can

create a budget ahead of time

might find their party is easi-er to plan. Creating a party

budget may mean compro-

mising on a few elements,

but it does not have to mean

compromising a good time.

Here are a few ways to budg-

et for a party and still have

a blast.

Determine a realistic party

budget. The first step is todetermine exactly what you

can spend. You will need to

base all of your plans on what

you can afford. It can be

tempting to go above budget,

but that may land you in

debt. Without a budget, you

will not know how to allo-

cate your money effectively.

Get price quotes from vari-ous venues. The cost of rent-

ing a venue will likely be the

biggest expense on your list.

But you can save a substan-

tial amount of money if you

can host at home. Those who

have limited house or apart-

ment space need to seek

other options. While restau-

rants may be expensive,

parks, gardens or church

basements may be morereasonable.

Figure out what elements are

important. Are your guestsgourmands who pay special

attention to food quality and

taste? If so, you may have to

spend more on food and bev-

erages. If a flashy location is

more desireable, then know

that a large portion of the

budget will be allocated for a

place with a view. Some peo-

ple flock to parties for the

entertainment. If you are like-

minded, then budget a larger

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27/32

portion for the band or deejay.

Keep a tally. As you startsecuring elements to the

party, be sure to deduct the

expenses from the total budg-

et. Hold on to all receipts

and reconcile them against

the amount you have to

spend. This will present an

accurate picture of the totalcost of the party. If you start to

break your budget, you will

know you it's time to curtail

any additional spending.

Don't plan on the gifts cov-

ering expenses. Some fami-

lies circulate tales of brides

and grooms dipping intotheir gifts at weddings to pay

for the party. Those who

have to do this have overex-

tended themselves. Many

throw parties with the inten-

tion of breaking even once

monetary gifts are collected.

Not only is this in poor eti-

quette, it is risky. There is no

guarantee that guests will

cover the cost of their meals.

Do as much as you canyourself. Cutting out the

middleman will dramatically

reduce the cost of many party

services. If you want floral

centerpieces on tables, make

them yourself. If you want

guests to take home choco-

late lollipops or other trin-

kets, spend time putting

them together. Printing your

own invitations reduces the

cost of using a printing serv-ice or buying them. Set your

own playlist of compiled

music on an mp3 player for

the music. If hiring a caterer

exceeds your budget, prepare

the food yourself. The more

services you can provide on

your own, the less expensive

the party will be.

Pare down the guest list.Another significant way to

come in at budget is to be

realistic about how many

people you can invite. While

it may be nice to extend an

invitation to everyone you

know, that will quickly drive

up the price. Only invite the

closest of friends and family.

Delegate some of the work.

If a friend or family member

offers to bring something tothe party, don't hesitate to

accept such an offer. You may

know someone who takes

excellent photos or a friend

who has a deejaybusiness on

the side. Every little bit helps

when working on a budget.

Start saving early. Look

ahead to the events that are

coming up that may warrant a

bash. Pick and choose among

those you want to celebrateand begin putting away

money toward those events.

Once the time arrives, you

may have more savings than

you thought and the ability to

indulge a little more.

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Coldwell Banker Resi-dential Brokerage sales

associate Cindy Gall-

agher continued her exemplary

record of sales performance in

July. Of the companys approxi-

mately 3,000 sales associates in

NJ and Rockland County, NY,

Gallagher ranked No. 38 in

gross commission income and

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Gallagher is based in the com-

panys Kinnelon office.Cindy possesses unsur-

passed knowledge and insight

about the Kinnelon commu-

nity, as she is a proud lifetime

resident with more than 20

years of real estate experience

serving this area, said Jane

Trust Ryan, branch vice presi-

dent of Coldwell Banker

Residential Brokerage in

Kinnelon. Cindy has built a

legacy of trust among herclients and customers.

Gallagher earned the

New Jersey Association of

Realtors (NJAR) Circle of

Excellence Award at the Gold

Level for her sales excellence in

2011 and 2012. As a winner

of the Coldwell Banker

International Presidents Circle

Award for her 2012 achieve-

ments, Gallagher ranked with-

in the top 5 percent of approx-

imately 82,200 ColdwellBanker sales associates world-

wide. She has been her offices

associate of the month on

multiple occasions.

A Coldwell Banker

Previews Property Specialist,

Gallagher is expertly trained in

marketing luxury homes. She is

also a certified New Home

Specialist, certified Residential

Marketing Specialist, certified

Residential Specialist and cer-

tified Relocation Professional.

Gallagher is a member of

the National Association of

Realtors, NJAR and the Passaic

County Board of Realtors.

For more information

about buying or selling a home

in Morris and Passaic counties,

contact Cindy Gallagher at

973-838-9300 ext. 244, 973-

714-3897 or cgallaghercold

[email protected]. The

Coldwell Banker ResidentialBrokerage office is located at

1450 Route 23 North in Butler.

Listings can be viewed at cold-

wellbankermoves.com/kin-

nelon and kinnelonrealty.com.

MARIA FERRITO

973-986-6914 Cell

[email protected]

NJAR MILLION DOLLARSALES CLUB 2001

NJ CIRCLE OF EXCELLENCE2002-2012Consistent

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KINNELON/SMOKE RISE 973-838-9300

KINNELON $590,000Smoke Rise-Cust. blt. Ranch offers a wide open

221657_1379066684Sept 18 2013 Z3

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