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Regular exercise can benefit

the body in many ways,

helping men and women

maintain healthier weights and

lower their risks for devel-

oping potentially deadly

diseases. Though many

people are quick to associ-

ate exercise with its phys-

ical benefits, those hours

spent on the treadmillalso can boost brain

power.

According to Dr. Barry

Gordon, professor of neu-

rology and cognitive sci-

ence at Johns Hopkins

Medical Institutions and

coauthor of Intelligent

Memory: Improve the

Memory That Makes You

Smarter, exercise has a

direct impact on thebrain. Thats because

exercise works directly on brain tis-

sue, improving the connections

between nerve cells, creating new

synapses, growing new neurons

and blood vessels, and improving

cell energy efficiency. So while

many people may begin an exercise

regimen with a goal of trimming

their waistlines or toning their

bodies, they might be happy to

know that those physical benefitsare accompanied by several cogni-

tive benefits as well.

As the American Psych-olog-

ical Association acknowledges, the

connection between exercise and

mental health is hard to ignore,

and the APA notes that the fol-

lowing are just a few of the mental

benefits men and women might

reap from regular exercise.

IMPROVED MOOD

Many people feel great afterexercising, especially if that exer-

cise comes at the end of a particu-

larly stressful day. However, those

extra laps on the track or those

hours spent on the treadmill dont

just pay short-term dividends. In a

controlled trial overseen by Duke

University researcher and clinical

psychologist James Blumenthal,

sedentary adults with major

depressive disorder were assigned

into one of four groups: supervisedexercise, home-based exercise,

antidepressant therapy, or a place-

bo pill. Those in the exercise and

antidepressant groups had higher

rates of remission than those in the

placebo group, and Blumenthal

concluded that exercise was gener-

ally comparable to antidepressants

for men and women with major

depressive disorder. In addition, in

following up with patients a year

later, Blumenthal found that thosewho continued to exercise had

lower depression scores than those

participants who were less active.

Blumenthals study was not

Exercise benefits the brain, too

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

February 5, 2014

Zone 2, Vol. 12, No. 3

We are a Family, Friendly Publication

SCHOOLREGISTRATION

PAGE 11continued on page 15

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

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

FEB 6

Come celebrate heart health month atLincoln Park Library with Muscle Man Mikeand Baseball Bobby on Thursday, February

6 from 4:30-5:15pm. For all ages Games,singing, music, exercising, and more!Please register for this program by calling973-694-8283 or [email protected].

FEB 8

Holy Spirit School Parish Center 330Newark Pompton Turnpike, Pequannock

on Saturday, February 8, enjoy a night oflaughter featuring professional comediansGary DeLena and Tom Caldora. Doors

open at 7pm. Show begins at8:30pm.Tickets-$20 each (coffee anddessert included). Feel free to bring anyfood, beer, wine, soda or any other bever-age of your choice to have at your table.

For tickets call Holy Spirit School 973-835-5680 or 862-228-3430. To qualify for a

special drawing, purchase tickets byJanuary 31, only adults 21 and older willbe permitted to enter. All proceeds will ben-efit the children of Holy Spirit School.

FEB 17

The G.F.W.C. Montville Township WomensClub will meet on Monday, February 17 atthe Senior House at 7pm. Come and listento Lori Wilson, Director of CommunityRelations of Family Promise speak. FamilyPromise, one of the clubs recipients of

charitable funds, mission is to help home-less and low-income families achieve sus-tainable independence. Visitors and guestsare welcome to attend. Refreshments willbe served. Montville Township Womens

Club meetings are held the 3rd Monday ofeach month. New members are welcome.

Please telephone Alexandria at 973-405-0088 for additional or membership infor-

mation.

FEB 19

Pequannock UNICO has scheduled a bustrip to Mt. Airy Lodge & Casino Resort onWednesday, February 19. Ticket priceis $29 per person. Deadline for reserva-tions and payment is February 5. Pleasecall Joe Carabello at 973-835-0208 orJoan Deodato at 973-696-3799 for infor-

mation and reservations.

MAR 19

Pequannock UNICO has scheduled a bus

visit our website at www.lifeandleisurenj.com February 5, 2014Page 2, Zone 2

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

Lincoln Park, NJ 07035 i 973.696.8008

Publisher: Joe Pellegrino i Editors: Bethanne Pellegrino & Kenneth Nicholas i Art Director: Robin Banta

Sales: Lisa Buniewski, George Papendicki 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 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. 2014 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.

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HOW LONG HAVE YOU SUFFERED FROM LOW BACK PAIN?HAVE YOU TRIED THE DRS SYSTEM?

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Losing a spouse can be

hard enough, but losing

a spouse and not know-

ing how to manage the fami-

lys finances can lead todespair. As you gather your

tax records this year, take a

few extra steps to help your

spouse avoid added stress after

youre gone.

In many households one

spouse takes care of the

finances, such as paying bills,

filing important papers and

tracking investments. Its

essential that the other spouse

at least knows the location of

these papers and how toaccess the assets. To provide

structure to your records, start

with a balance sheet listing of

all bank accounts, insurance

policies and investment hold-

ings, including applicable

online passwords. Also list

your physical assets and the

location of ownership titles.

Having a complete

record of assets is important,

but so is knowing how to man-

age those assets. Make a list ofthings you consider important

that your spouse might not

know about. This might

include such things as how to

manage retirement distribu-

tions and estate issues. You

might also list the names of

people who should be notified

of your passing. Simple things,

like routine chores to perform

at the vacation home or recre-

ational vehicle, might provide

comforting guidance.Educating your spouse on

financial matters can also be a

satisfying social opportunity.

Join with other like-minded

couples to establish an invest-

ment club where everyone

participates in the decision

making. Such venues often

lead to important conversa-

tions about managing money

discussions not always easy

when its just you and your

spouse.Candid conversations

about family finances are

sometimes better facilitated in

front of a trusted financial

advisor. Including your advi-

sor will not only provide

another set of eyes, but can

help provide structure and

documentation that the other

spouse can rely upon in an

emergency. Our office stands

ready to assist you with thisimportant financial matter.

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consult with us or your own tax

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While there are many

ways to help elder-ly loved ones do all

they can to maintain health,

one of the best ways to improveboth the physical and mental

health of senior citizens is med-

itation. We know that medita-

tion can reduce stress and help

us relax, but recent studies have

shown that meditation can also

relieve pain, reduce the proba-

bility of heart disease and

improve creativity. Here are

some other benefits of medita-

tion:

1. The deep breathing exer-cises 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

digestive functions is empow-

ered through meditation. This

extra oxygen boosts the

immune system, heals the

lungs and improves circula-tion.

2. Meditation also causes

increased alertness and the

ability to interact with others

and surroundings. The

increased oxygen in the

bloodstream of the elderly

user of meditation will causebrain functions to improve.

3. Because both the mind and

the body become more

relaxed, the mental and phys-

ical health of the individual is

improved drastically. Seniors

who suffer from depression

can benefit from meditation.During meditation, feelings of

happiness are created in the

brain that increase daily hap-

piness and satisfaction.

4. Meditation improves physi-

cal energy, making the senior


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trip to LiGrecis Staaten restaurant onStaten Island, NY on Wednesday, March19 for their St. Josephs Festival. The

price is $78.00 per person, which includes

1 hour open bar, full plated luncheon,Sinatra Stylist, Steve Maglio, and comedi-an Chris Monty. Call Joe Carabello at 973-

835-0208 or Joan Deodato at 973-696-

3799 for further information. Pleasenote: Deadline for reservation with fullpayment is Friday, February 21.

Around theCommunity...

Tooth sensitivity can

be caused by a prob-

lem with the tooths

nerve and blood supply

(pulp), or by exposure of

dentin, resulting in dentin

hypersensitivity.

Dentin is a sponge-like,

hard layer underneath enam-

el (the outer white, hardest

layer of a tooth) that con-tains small channels that

connect the pulp to the out-

side of the dentin. When

dentin is exposed, there can

be hypersensitivity.

Dentin hypersensitivity

is a short, sharp pain not

caused by tooth decay. It can

affect up to one in every two

people at sometime in their

lives. This condition is esti-

mated to affect 40 millionpeople in the U.S.

Hypersensitivity mostly

affects people in their 20sand 30s. Age changes dentin

and decreases tooth sensitivi-

ty. Age increases gum reces-

sion (exposing dentin),

enamel erosion, and tooth

structure loss.

Enamels hard texture

protects the pulp and dentin.

When it is lost, hypersensi-

tivity occurs. The most com-

mon complaints are caused

by cold and sweets.The painfrom enamel loss is caused by:


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Tooth sensitivity, a

common problemBy Peter Brusco, DMD

The first of a four-part article

Community Happenings

continued on page 8

continued from page 2

continued on page 11

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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 enriching the lives of

seniors.

5. A study published in the

Journal of Brain, Behavior and

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 pastresearch to have positive

effects on the brain linked

with brain changes that may

even have effects against men-

tal illness.

Sonia Scott is the owner of

Dorson Home Care, a full-serv-

ice home health care agency pro-

viding families throughout north-

ern and central New Jersey with

compassionate home care

services since 1989.

For more information,

call 973-672-7691 or visit

www.dorsonhomecare.com.

1. Acidic foods and drinks

(sodas,sports drinks,fruits,etc.)

2. Vigorous over-brushing,

removing the enamel

3. Abrasive toothpastes

4. Using a medium or hard

toothbrush (not American

Dental Association approved)

5. Gum recession

6. Use or overuse of tooth

whitening products

7. Clenching or grinding your

teeth (bruxism)

Part 2 discusses the actu-

al reason hypersensivity hurts,

damaged to the pulp (nerve),

and available treatments.

Dr. Brusco is a 1980 graduate

of The University of Pennsylva-

nia and has been practicing in

Kinnelon since 1982. Dr. Brus-

cos practice is located at 170

Kinnelon Road, Suite 29A in

Kinnelon. You may reach him

by calling 973-838-5862 or vis-

iting him on the web at

www.drbrusco.com.


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Tooth sensitivity, a common problem

continued from page 6To Advertise

in Life & Leisure

Call 973-696-8008

Top five benefits of meditation forsenior healthcontinued from page 5

8/13/2019 221657_1391177915Feb 5 2014 Z2 LR

9/24

Attend one of our

upcoming free pro-

grams designed for

older adults interested in edu-

cation to improve and main-

tain optimal health and well-

ness.

Thursday, January 23, 1:00

to 2:30 pm POLST

Practitioners Orders for

Life-Sustaining Treatments

Learn about the national

initiative designed to place

healthcare decisions in your

hands.

Familiarize yourself with

the NJ POLST form - both its

legal and medical significance.

This new tool compliments

your Advance Directive

(Living Will). Proper utiliza-

tion of a POLST can help

focus those difficult conversa-

tions you may need to have

with your physician.

Terri Roth Reicher, ESQ,

Pompton Lakes Councilwoman

Location: Belmont Clubhouse

- PAC

Tuesday, February 11, 1:00

to 2:30 pm Understanding

the Highs and Lows

of Blood Pressure

The presentation will

include: a brief explanation of

systolic and diastolic blood

pressure and their signifi-

cance; recommended blood

pressure for people of all ages;

risk factors for high blood

pressure; lifestyle strategies for

achieving optimal blood pres-

sure; medications that treat

high blood pressure.

Ying Liu, M.D., PhD,

Attending Physician

Dept. of Medicine St. Josephs


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Winter & Spring 2014


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AMERICAN PROSPERITY GROUP, www.1APG.com, is seen above celebrating the Grand

Opening of their new National Corporate Headquarters in Pompton Plains on October 19, 2013.APG founders, Mark and Terry Charnet, surround Mayor Rich Phelan, who officiated the ribbon-cut-

ting ceremony, at the front entrance of their building, 901 Route 23 South. Also pictured are: LouiseMarchese, of the Pompton Plains Economic Committee and the Charnet children, daughter Chelsie in

pink and Zachary, on the far left. Long-time clients of APG Inge Wagner, Dumitru Tirisi and RobertHarz are also pictured as they came to help celebrate the 901 Building Open House party that was open

to the public and held in the front parking lot. Attendees enjoyed music, face-painting for the kids andfree food and drinks. All of the building tenants were represented and welcomed the guests and friends

that came by to partake in the festivities and they include: The Lakeland Bank, Pediatricare, KingTranscriptions as well as the new building owners American Prosperity Group. All are welcome to stopby and meet the great people and family of businesses at 901 Rt. 23. Be sure to take the elevator to the

second floor to tour American Prosperity Group we always have coffee and refreshments, love to meetnew friends and share some retirement and estate planning secrets with you!

Our number and website are: 973-831-4424 www.1APG.com

Wayne Hospital Location:

Belmont Clubhouse - PAC

Tuesday, February 25, 10:30

to 12:00 pm Diabetes - Fact

vs. Fiction

Come learn about com-

mon misconceptions about

diabetes including myths

about self-management and

meal planning. Find out if you

have the right information to

successfully prevent or man-

age diabetes.

Dina Hulbert, RD, Diabetes

Educator, Chilton Hospital

Location: Woodland

Commons Catering Room

Tuesday, March 11, 10:00 to

11:30 am Aesthetic Skin

Care with Laser Technology

With recent advances in

laser technology, Dr. Bhatt

will present non-surgical

methods of using the latest

lasers to achieve younger,

more vibrant, and rejuvenated

facial appearance. He will also

present details regarding med-

ical skin care products that

support your desire to have

younger, healthier skin.

Shirish V. Bhatt, MD, Board

Certified Internist;

Center for Aesthetic Skin

Sciences Location: Woodland


Thursday, March 27, 1 to

2:30 pm The Wiser Eye &

You

The focus of this presen-

tation is to educate the audi-

ence about some eye diseases

that occur in the elderly

including cataract, glaucoma,

and macular degeneration;

give tips on things that they

can do to either prevent or

help treat some of these

aging-eye diseases and illus-

trate some of the cutting-edge

technologies occurring in eye

care today

Swati J. Parekh, MD,

FAAO and

Jai G. Parekh, MD, MBA,

FAAO Location: Woodland


Tuesday, April 22, 3 to 4:30

pm Skin Health, Skin

Cancer Awareness and

Prevention

The Dermatology Group,

Northern New Jerseys pre-

miere Dermatology practice

will speak on skin health, skin

cancer awareness and preven-

tion. We want to teach the

residents of Cedar Crest how

to care for their skin, enjoy

the sun safely, and learn

the early warning signs

(ABCDEs) of skin cancer.

Marc Abbate, MD,

Board Certified Dermatologist

Location: Belmont Clubhouse

- PAC

All of the Cedar Crests

Active Adult Wellness

Education Series programs

are free.

Registration is required.

Adults are welcome. Invite your

friends!

You do not need to live at

Cedar Crest to attend this lecture

series.RSVP by calling:

973.831.3759 or by email at:


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The Lincoln Park Library offers help forall things technological! Sign up for aone-on-one session with a Librarian. Wecan offer help with a range of topics,including (but not limited to): MicrosoftWindows, Microsoft Office (Word, Excel,Powerpoint), web site help (Google,

Gmail, eBay, Etsy), and social media(Facebook, Twitter, Instagram, LinkedIn).We can also help you use your tablets(iPad, Kindle, Samsung Galaxy, etc.)!Please call 973-694-8283 or [email protected] to setup an appointment. At this time, sessionsare limited to one meeting per month.Calvary Gospel Church, 1559 HamburgTpk, Wayne. Services; 10am-worshipService; 11am-coffee and bagels;11:30am-Sunday School. Other activities;Brick-every second Saturday of themonth at 6pm for 18-30 yr olds;Depression Support Group-every 2nd and

4th Sunday evenings at 6pm; FloorHockey for ages High School and up-every Tuesday at 7pm. Please call 973-

694-5385 for more information.Whether you are still suffering from thebleak memories of war or have resolvedto put it all behind you, Point ManMinistries is for you. Point Man is aChristian ministry dedicated to helpingveterans find peace with themselves andthe world around them. If you are doingfine after the war, thats fantastic butdont forget about your buddies who arestill suffering. Find out how you can help.Call Barry Jensen at 973-809-9665.Point Man Ministries meets the firstThursday of every month from 7:30

9:30pm at Cornerstone Chapel 620 Route23 North, Pompton Plains.The Montville Township Womens Clubhas an ongoing project: comfort pillowsfor breast cancer patients. A team of clubmembers, seniors, and volunteers fromsurrounding cities participates in this wor-thy project. Call Chairperson AlexandriaSarra at 973-405-0088 for more infor-mation. All monetary donations, used topurchase polyfill for the pillows, should bemade payable to MTWC and should indi-

cate Comfort Pillow in the memo.Please mail checks to P.O. Box 267,Montville, NJ 07045.Mothers & More is a not-for-profit groupfor both stay-at-home and working

moms. It features monthly meetings,playgroups, mom-and-tot outings, mom-night-outs, and much more. Members arefrom Wayne and all surrounding towns.Monthly meetings are on the first Mondayof each month (unless a holiday) at7:30pm at Our Savior Lutheran Church,670 Newark Pompton Turnpike, PomptonPlains. Prospective members are alwayswelcomed. For more informationcall 877-221-1581 or [email protected] provide a supportive envi-ronment to improve public speaking andleadership skills. We meet the first

Wednesday of each month at HollywoodRestaurant & Pizzeria, 376 FairfieldRoad, Fairfield from 7-9pm Guests arewelcomed. For more information, visitwww.diningtospeak.com.


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Valentines Day is upon

us. This is a day to

celebrate our loved

ones and show them we care.

We also have to take care of

our four-legged loved ones, as

some Valentines Day gifts and

ideas may be hazardous to our

pets.

The most obvious warn-

ing is: Dont let your pets eat

chocolate. Chocolate is one of

the traditional gifts on

Valentines Day but can be

very dangerous to pets, even

life threatening. The toxic

compounds in chocolate are

methylxanthines, mainly

theobromine and, less impor-

tantly, caffeine. The amounts

of theobromine and caffeine

vary with the type of choco-

late. For instance, unsweet-

ened (Bakers) chocolate con-

tains 8 to 10 times the amount

of theobromine as milk

chocolate. This is a very com-

mon toxicity in dogs and seen

less in cats just by nature of

their eating habits.

Clinical signs of choco-

late toxicity usually occur

within six to 12 hours of

ingestion. Theobromine

affects the body as a central

nervous system stimulant, car-

diovascular stimulant,

increases blood pressure and

nausea. Therefore, common

signs of chocolate toxicity are:

vomiting, diarrhea, hyperac-

tivity, tremors, seizures, fast

heart rate and, in severe cases,

death. If your pet ingests

chocolate, contact your vet-

erinarian or poison control

immediately for treatment.

Also, knowing the type and

quantity of chocolate ingested

is helpful.

Another potential hazard

for pets on this sweet holiday

is any sugar-free gum or

candy. They commonly con-

tain the sugar substitute xyli-

tol. Signs of xylitol toxicity

can be seen as quickly as 30

minutes and causes a sudden

drop in the bodys blood sugar

(hypoglycemia). This may

result in weakness, depression,

loss of coordination, seizures,

coma and even liver failure.

Treatment should be initiated

immediately if ingestion

occurs.

Some holiday flowers,

though they are romantic, can

be toxic for your pet. The

biggest culprits are lilies. They

are highly toxic to cats, so

make sure your cats cant get

near them, or choose a differ-

ent variety of flower but not

tulips (the bulbs are the most

toxic). Amaryllis, daisies,

chrysanthemums or any flow-

ers with thorns may be poten-

tially dangerous flowers.

Leftover gift-wrapping or

decorations are enticing for

curious cats. Make sure all rib-

bons, bows and other wrap-

ping are out of your pets reach

and cleaned up. Cats especial-

ly like chewing on strings or

ribbons which can cause

choking or worse, an obstruc-

tion in the intestines that

could require emergency sur-

gery.

Candles are also a nice

touch on Valentines Day but

not to paws and fur. Dont

leave candles unattended, as

pets can easily be burned or

the candles could be knocked

over, causing a fire.

One last warning is not

to give pets as gifts. Puppies

and kittens are very cute and

cuddly but owning a pet is a

big undertaking. Purchasing a

pet should be done in a

responsible way and only after

a lot of research. If youre

ready, you should consider

adopting a pet from your local

shelter. These steps can be

done together and are roman-

tic and rewarding.

Have a sweet and safe

Valentines Day!

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.

A safe Valentines Day for your pet By Dr. Matthew Krupnick


Dr. Matthew Krupnick, D.V.M.

591 Newark Pompton Tpke.(near Friendly's)

Pompton Plains, NJ

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8/13/2019 221657_1391177915Feb 5 2014 Z2 LR

14/24

[email protected]

Programs will be held in the

Woodland Commons Clubhouse,

at Cedar Crest, unless designated

at the Belmont Clubhouse.

Parking is available in the

garage next to the Woodland

Commons Clubhouse or in

unmarked spaces for visitors


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Active AdultWellness

Education SeriesWinter & Spring

2014continued from page 10

8/13/2019 221657_1391177915Feb 5 2014 Z2 LR

15/24

the only one to conclude that

exercise can have a positive

impact on mood. In a review of

11 studies that examined the

effects of exercise on mental

health, Boston University pro-

fessor of psychology Michael

Otto and his colleagues found

that exercise could be a power-

ful tool when treating clinical

depression, and even recom-

mended clinicians include

exercise as part of their treat-

ment plans for depressed

patients.

ANTIDOTE TO ANXIETY

Some researchers, Otto

included, have begun to exam-

ine the effects of exercise on

treating and possibly prevent-

ing anxiety. The bodys nerv-

ous system responds quickly

when people feel frightened or

threatened, often causing the

bodys heart rate to increase

and sweating and dizziness to

occur. Those people who are

especially sensitive to anxiety

respond to these feelings with

fear, and that makes them

more likely to develop panic

disorders. But Otto and fellow

researcher Jasper Smits of the

Anxiety Research and

Treatment Program at

Southern Methodist Univer-

sity studied the effects that

regular workouts might have

on people prone to anxiety.

Since exercise produces many

of the same physical reactions,

such as sweating and an ele-

vated heart rate, the body pro-

duces when responding to fear

or threats, Otto and Smits

wanted to determine if exer-

cise might help people prone

to anxiety become less likely

to panic when experiencing

fear or threats. In studying 60

participants with heightened

sensitivity to anxiety, Otto

and Smits found that the sub-

jects who participated in a

two-week exercise program

exhibited marked improve-

ments in anxiety sensitivity

compared to those participants

who did not take part in the

exercise program. Otto and

Smith concluded that this

improvement was a result of

the exercise group participants

learning to associate the symp-

toms common to both fear and

exercise, such as sweating and

an elevated heart rate, with

something positive (exercise)

instead of something negative

(anxiety).

Regular exercise benefits

the human body in numerous

ways, not the least of which is

its impact on the brain. More

information on the link

between exercise and

improved mental health is

available at www.apa.org.


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Stringent lending poli-

cies and the escalating

costs of home owner-

ship have led many prospec-

tive home buyers to consider

condominiums instead of sin-

gle-family homes. Condos

are typically less expensive

than single-family homes,

which makes lenders and

borrowers alike feel more

comfortable. Lenders feel

better because the loans

arent as large, while borrow-

ers are more comfortable

because such loans allow

them to improve their stand-

ing with lenders, potentially

setting the table for a low-

interest home loan down the

road.

But the differences

between buying a condo and

buying a single-family home

go beyond the bottom line.

The following are a few

things prospective buyers

should know about condos

before they view any proper-

ties.

Condos come with fees.

Unlike single-family homes,

condos come with homeown-

ers association fees. These

fees cover the cost of mainte-

nance and repairs to the

property. This includes land-

scaping and garbage collec-

tion, as well as general

repairs throughout the con-

dominium complex. Fees

vary significantly from com-

munity to community, and

the best deal is not always

the one with the lowest

homeowners association fees.

Low fees tend to provide less

bang for the buck, generally

covering only the most basic

services. Higher fees often

mean the community offers

more amenities, such as a pri-

vate pool and gym for resi-

dents. Some people prefer

such amenities, while others

would rather find better deals

on their own. But prospec-

tive condo buyers must

include fees in their monthly

budgets when determining

how much they can afford to

spend.

Condos come with rules.

Owners of single-family

homes can create their own

rules for their households,

while condo owners must

agree to follow rules estab-

lished by the homeowners

association or the property

management firm responsible

for maintaining the commu-

nity and enforcing the rules.

Rules may not allow pets or

only allow pets of a certain

size. Other rules may restrict

how owners can decorate

their condos during the holi-

day season or how they can

furnish the exterior of their

properties, limiting patio fur-

niture to a set number of

chairs or tables. Some condo


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continued on next page

Buying a condo not the same as buying a home

i it b it t lif dl i jFebruary 5 2014 Zone 2 Page 17

8/13/2019 221657_1391177915Feb 5 2014 Z2 LR

17/24

owners are glad such rules are

in place, while others might

find such stipulations intru-

sive. Each community has

different rules, and prospec-

tive buyers should familiarize

themselves with a communi-

tys rules before buying any

properties within that com-

munity.

Condos often have man-

agement firms. Property

management firms can be

great to deal with, but they

can be troublesome as well.

A good property manage-

ment firm produces satisfied

community members who

speak glowingly of their com-

munities, while a poorly run

management firm can frus-

trate homeowners who feel

they are not getting what

theyre paying for. Some

property management firms

fail to collect homeowners

association fees for months at

a time, only to send letters

demanding back dues down

the road. Others simply dont

live up to expectations, fail-

ing to make repairs in a time-



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visit our website at www lifeandleisurenj com February 5, 2014Page 18, Zone 2

8/13/2019 221657_1391177915Feb 5 2014 Z2 LR

18/24

No Valentines Day is

complete without

chocolate. Men and

women alike look forward to

their sampling of sweets come

February 14, and that sampling

simply must include some

delectable chocolates.

Those who want to go

the extra mile this Valentines

Day can try their hands at

crafting their own confec-

tionary concoctions from the

comforts of their kitchens.

The following recipe for

Triple-Chocolate Cookies

from Michael Recchiuti and

Fran Gages Chocolate

Obsession (Stewart, Tabori &

Chang) will no doubt please

your valentine this February.

Triple-Chocolate Cookies

Makes about 48 cookies

1 cups unbleached all-pur-

pose flour

1/3 cup plus 1 tablespoon

unsweetened natural cocoa

powder

teaspoon baking soda

12 tablespoons unsalted butter

at room temperature

cup sugar

cup dark brown sugar

teaspoon pure vanilla

extract

Tahitian vanilla bean, split

horizontally

teaspoon fleur de sel (sea

salt) fine grains

3 oz milk chocolate, roughly

chopped

3 oz dark chocolate, roughly

chopped

Make the dough:

Sift the flour, cocoa and

Chocolate a must-have come

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baking soda together into a

bowl. Set aside.

Put the butter in the bowl

of a stand mixer fitted with the

paddle attachment. Beat on

medium speed until creamy.

Add both sugars and the vanil-

la extract. Scrape the seeds

from the vanilla bean into the

bowl. Sprinkle the salt over

the top. Beat on medium speed

just until combined.

Reduce the speed to low.

Add the dry ingredients in 3

additions, pulsing the mixer to

incorporate each addition

before adding the next one.

Pulse just until a crumbly

dough forms. Add both

chopped chocolates and mix

on low speed just until incor-

porated.

Turn the dough out onto

a lightly floured work surface.

Knead a few times to incorpo-

rate any crumbs.

Divide the dough in half.

Roll each half into a log about


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8/13/2019 221657_1391177915Feb 5 2014 Z2 LR

20/24

The Montv i l le Sen ior C i t izensC lub i s open to a l l Montv i l leTow nsh ip res ide nt s ag ed 55 andolder. The club meets every f irstand third Friday of the month atthe Montville Senior House, nextto the police station on Route 202South. We serve coffee and cakeat noon before the meeting at

1pm. New members and guestsare always welcomed. For infor-mation, call Celia at 973-227-

4591.

1 inches in diameter and 12

inches long. As you roll, gently

push the ends toward the cen-

ter occasionally to prevent air

pockets from forming and to

keep the logs at an even thick-

ness.

Wrap the logs in plastic

wrap and refrigerate until firm,

at least 3 hours or up to 3 days.

Bake the cookies:

Preheat the oven to 325

F. Line the bottoms of two 12-

by-18-inch sheet pans with

parchment paper.

Remove the logs from the

refrigerator and unwrap them.

Using a ruler to guide you and

a sharp knife, cut each log into

rounds inch thick. If thedough crumbles as you cut it,

reshape each slice. Place the

rounds on the prepared pans,

spacing them 1 inches apart.

Bake on the middle

shelves of the oven, rotating

the pans 180 degrees halfway

through the baking time, until

set but soft enough to hold a

slight indentation when

pressed with a fingertip, about

14 minutes. Let cool com-

pletely on the pans on wire

racks.

Store in an airtight con-

tainer at room temperature for

up to 1 week.

ly manner while letting the

property fall into disrepair. If

possible, speak to current

community residents about

how the property is managed.

If residents are not available,

potential buyers should

attempt to attend a home-

owners association meeting,

which can shed light on what

its like to live within a given

community and how accessi-

ble the management firm is

to community members and

how well it tends to those

members needs.

Condos are not as private as

single-family homes. Much

like apartment dwellers,

condo owners often share

walls with neighbors. That

means condo owners will

have to sacrifice some priva-

cy. Prospective buyers who

consider privacy a top priori-

ty may want to continue liv-

ing in an apartment until

they can afford to buy a sin-gle-family home. Though

condo owners rarely have

someone living above or

below them, sharing walls

with neighbors is still not as

private as owning a single-

family home.

Condominiums are

great options for people who

want to own their homes but

dont have enough money or

credit history to buy a single-

family home. But buyers must

educate themselves about

condominium life before

signing on the dotted line.

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v s t ou webs te at j

[email protected]

NJAR MILLION DOLLARSALES CLUB 2001

NJ CIRCLE OF EXCELLENCE2002-2012Consistent

TOP PRODUCERin the WAYNE area.

Townhome Specialist Relocation Agent

CALL MARIA at973-986-6914 Cellfor CURRENT MARKET VALUE OF YOUR HOME

SHORT SALE AGENTOwe more than your home is worth?

GEMINI LLC Realty 973-696-1111x131197 Berdan Ave., Wayne, NJ

MARIA FERRITO

CLIFTON$299,999

GREATNEIGHBORHOOD!Split level with 3BRs,

2.5BAs, MBR w/full

bath and 2 closets.



Cape Cod Colonial for sale as-is: beautiful home first floor damaged bySandy, can be easily restored or build your dream home. Value is in thisone-of-a-kind property. Waterfront living and views from every room with-out the expense! Low taxes, private marina on street dock your boat

without maintaining a bulkhead. Located on quiet cul-de-sac in Brick, sur-rounded by million-dollar homes, walking distance to yacht club and riverbeach, 1 mile to ocean and bay beaches. House boasts 3 large BRs, 2 Baths,

Fireplace, 4-Season Sun Porch, 2-car Garage. $329,000. Contact: (732)262-3161. Pre-Approved, serious buyers only.

FOR SALE


Valentines Day

Community

Happenings




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Century 21 Crest Real

Estate sales associateAnnmarie DeGeorge

was named the offices top

listing sales associate for

December.

Century 21 Crest is

pleased to recognize

Annmarie with this honor.

She is a leader and innova-

tor, empowering local home-

buyers and sellers with valu-

able information, helpingthem to make informed

real estate decisions, said

owner Patricia Wojtyszyn.

Annmaries competitive

intelligence, professionalism

and dedication have made

her a valued and trusted real

estate resource for the north-

ern New Jersey community

and a major contributor to

the overall success of ouroffice and the Century 21

system as a whole.

To put Annmaries years

of experience in both resi-

dential and commercial real

estate to work for you, con-

tact her directly at 973-896-

6178.

Servicing the northern

New Jersey area since 1981,

Century 21 Crest Real Estatehas enjoyed a fine reputation

specializing in residential,

commercial and rental prop-

erties. Crest Real Estate is a

full-service real estate agency

located at 142 Professional

Center on Route 23 North in

Pompton Plains.

j

WOODLAND PARK $265,000

$1,058 per month

30Yr Fixed w/0 points. 4.375/4.494%APR

POMPTON PLAINS $229,900

$918 per month30Yr Fixed w/0 points. 4.375/4.509% APR

RINGWOOD $237,000

$947 per month

30Yr Fixed w/0 points. 4.375/4.506% APR

WANAQUE $319,000

$1,274 per month30Yr Fixed w/0 points. 4.375/4.477% APR

WAYNE $239,900


WANAQUE $337,700

$1,349 per month30Yr Fixed w/0 points.4.375/4.472% APR

Ryan BarryMortgage Banker

NMLS# 183464

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

[email protected]

Recognized by Mortgage Executive magazine as a "Top 1% Mortgage originator" for 2012

CENTURY 21 CREST REAL ESTATE, INC.142 Route 23 North, Pompton Plains, NJ 07444(973) 686-1500 (800) 950-5021

OWN THESE HOMES FOR...To Qualified Buyers.

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

Call today for a FREE Mortgage Pre-qualification


$1,593.02 per month30Yr Fixed w/0 points. 4.375/4.413% APR



POMPTON PLAINS $1,250,000


RIVERDALE $339,00


POMPTON LAKES $194,500

$777 per month30Yr Fixed w/0 points.4.375/4.531% APR

WEST MILFORD $104,90

$425 per month30Yr Fixed w/0 points. 4.5/4.778.% APR

WANAQUE $315,000


BUTLER $149,900


FRANKLIN $129,900

$519 per month30Yr Fixed w/0 points.4.375/4.600% APR

WAYNE $574,900$2,330per month30Yr Fixed w/0 points. 4.25/4.566% APR

COMMERCIAL PROPERTIES

MULTI-FAMILY



Mortgage Payments listed above are based on principal and interest only and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR bason a 740 credit score as of January 30, 2014. Terms for Condos listed above are subject to meeting Fannie Mae Guidelines. This information is not to be considered a commitment to lend. Programs and terare subject to change without notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ, NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35286. Equal Housing Lender.

PEQUANNOCK $289,900


MULTI-FAMILY

Century 21 Crest / NJ Lenders; 10.025"; 8.65"; Black; -

Century 21 Crest recognizes Annmarie DeGeorge


8/13/2019 221657_1391177915Feb 5 2014 Z2 LR

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0051 AUTOMO-

BILES WANTED

WE BUY CARS !

WE BUY TRUCKS !RONNIES IN

WAYNE

973-616-7900

WE PAY FOR

JUNK CARS

973-220-0202

0230 FIREWOOD

Dry/Seasoned

Hdwd Split, Deliv.

Stacking avail.1/4, 1/2, full cords

Call 973-316-9574

SPLIT,SEASONED &DELIVERED

$180. full cord, $110.half cord.

Call 973-296-3307

HELP WANTED0280 - 0329

0294 HELPWANTED FOOD

SERVICE

Needed:Pizza MakerCounter Person, P/TWayne area. Moms &Col.students welcomeDriver also needed.

Call Bill 973-619-4069

SERVICES

0610 - 0959

0655 SERVICES

CARPET

G&S Carpet

Cleaning

& Floor Service

Residential

& Commercial

973-839-6436

0684SER.COMM/RESI.

CLEAN

Aidas CleaningServiceLincoln Pk, N.J.Home or Office

Experienced, Reliableand Detailed. SpeaksEnglish & PortugueseReference Available

Call 908-764-8966

0685 SERVICES

CLEANING

Brazilian WomanCleans & Organizes

Homes. Refs. avail.Karla 201-618-4036

Busy Bee CleaningResidential,10yrs exp.

owner oper. Ref.avail. Reliable, attn

to detail

Call 973-797-9951

HOUSE CLEANING

HOME-OFFICE-APT

Regina-973-249-8907

Mariyas Cleaning

ServiceUkrainian ladies cleanyour home or office to

your completesatisfaction. Exper.

Refs Avail

Call 973-557-3621

0686 CLEANOUT

SERVICE

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

Tear down & takeaway sheds. Attics &

Bsmnt cleaned.Things your

garbagemen wontpick up.

WE DO !!! CALL

862-200-1283

0725 SERVICES

DRIVEWAYS

0730 SERVICES

ELECTRICAL

0774 SERVICES

HANDYMAN

0785 SER. HOME

IMPROVEMENT

0826 SERVICES

PLUMBING

0931 SER.-TV/AUDIO

INSTALLED

The TV GuyIf you need your TV,

Home Theater, Audio/

Stereo Equipment in-

stalled or connected.

Big or Small...We do

it All. Call Mike

973-495-3775

SERVICE DIRECTORY & CLASSIFIEDS

Vinyl SidingReplacement Windows

Residential Roofing35+ Years Experience

ROSSROOFING & SIDING

973-696-5699Free Estimates Fully Insured

ASPHALTMAINTENANCE INC.

Driveways & Parking Lots

973-299-9226

Paving Sealing Curbs Retaining Walls Pavers Drains Patches Excavation

Free Estimates

0932 SERVICES TREE

CMR SERVICES973-703-3039

Cleanouts &Dumpster ServicesFully Insured NJ Lic #A901

FREE ESTIMATE

Estates Abandoned PropStorefronts Basements

Whole House Attics

Regain Valuable Storage!We dispose unwante d items in an

environmentally safe way.

10% OFFwith this ad

NEW & OLD

Construction-Residential& Commercial.

Fully Insured & Bonded

FREE ESTIMATES20%OFF New Customers

CQ Electric LLC

973-699-0855

R.G. Gutters

973-832-4207

$ "

# !

Free Estimates &20% OFF

Gutter Cleaning ForAll New Customers!

ARE YOUR GUTTERS FOWL?

0827 SERVICES PAINTING

973-632-6411

Maintenance RepairBuilding RemodelingNo Job Too Small or Big!

25 Years Experience

TOM DS HANDYMAN

SERVICE

NORTH JERSEYREMODELERS

973-962-1811

Full Kitchens Bath Specialists

Basements All InteriorRenovations

Ceilings to Floors Doors Painting

Windows Counter Tops

Cabinet Refacing General Carpentry

Longo Construction

973-838-8693

All Types of Brick, Block,Concrete, Fireplaces,

Foundations etc.

Free Estimate- Fully Insured

Bloomingdale

!$ #

"# &!"

" #$$# ( %' #%"

)

" "*

0815 SERVICES MASONRY

Stephen FoxPlumbing & Heating

Small Repairs,Alter, Drain Svc.

INSURED BONDED

973-839-1054

Lic.#7467

Quality

Workma

nship

Interior & Exterior Painting Residential Specialists Power Washing Paper Removal & Installation Brush Roll Airless Spray Fully Insured FREE Estimates

Owner Operated

Where Excellence InQuality Is Affordable

973-839-7403

0826 SERVICES PAINT/POWER WASH

To Advertise

Call Kathleen

973-696-8008

"

!

!

0771 SERVICES-GUTTERS

0886 SERVICES

ROOFING

PARKINGAVAILABLE

Availabl e

Parking for rent,

Limousines,

Co. Vans and

Cars.

Call Sal for

More Information

973-519-1725

0886 SERVICES

ROOFINGLikeWhatLikeWhat

YouYouSee?See?

SeeYOURAd

InLife&Leisures

NextIssue!

CallKathleen(973)696-8008

0827 SERVICES PAINTING

KevinThe Painter

A True ProfessionalDecorative, Faux &

Textural Finishes, Glazing,Sheetrock, Spackle,

Repairs & Power Washing

Interior/ExteriorFully Insured

References available20 years Experience

973-979-8043

0656 SERVICESCHIMNEY

Do It Right

Chimney Service

Chimney Cleaning

Special-$29.95

Prevent Carbon

Monoxide

Poisoning!!!

Our Other Services

Include: Repairs,

Liners, Caps &

Dampers, Plus

Powerwashing

w/Mold Resisting

Additive

Call

973-570-7362


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Let us help you define, execute andcommunicate your companys full potential.Full-Spectrum Branding | Marketing Campaigns | Website Development

234 Main StreetLincoln Park, NJ 07035

973.696.8008

www.NotJustAnAverageJoe.com

Where Does Your Business Fit Into the

BIG PICTURE?

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221657_1391177915Feb 5 2014 Z2 LR

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