221657_1402051296June 11 2014 Z3 LR
Transcript of 221657_1402051296June 11 2014 Z3 LR
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Owner Dennis Coyle of
DC Landscape Design
LLC based out of
Pequannock Township donates toPequannock. I grew up In
Pequannock Township. I have
multiple clients in Pequannock
and Pompton Plains. I thought it
would only be right to give back a
little to the community that has
given so much to me. I spent
many days of my youth at PV
Park. It is a great lake and I have
many great memories there. I
spoke with town officials and
they gave me the green light todonate a garden and a tree to the
Park.
The garden DC Landscape
installed is directly in front of the
PV Park sign. The design includes
some dwarf evergreen
boxwoods, dwarf foun-
tain grasses, red knock
out roses, yellow daylilies, purple saliva, blue
star juniper and finished
it off with some black
dye mulch which really
makes the flowers and
plants stand out. The
tree I decided to donate
was a Purple Leaf
Thunder Cloud Plum. It
is one of my favorite
trees. They have small
pink flowers in springand then, throughout
the summer until fall,
the foliage of the plant offers a
beautiful burgundy color. The
tree does not get huge and does
not make a mess in fall. There are
only a handful of trees that have
nice burgundy foliage throughout
the spring, summer and fall
months and this is one of them.
All in all, its a pretty mainte-
nance free tree.
RIVERDALESQUARE
FATHERS DAY GUIDESEE CENTERFOLD
12 Main Street, Butler, NJ 07405973.283.0454 973.283.4339 973.283.4331
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Proverbs 3:5,6 God Bless AmericaRecycled Paper from 30% Post Consumer Waste
June 11, 2014
Zone 3, Vol. 12, No. 12
We are a Family, Friendly Publication
DC Landscape Design
donates garden & trees
continued on page 20
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NOTE:To have your groups announce-
ment appear in Community Happenings,please e-mail your paragraph to [email protected].
JUN 13The Ramapo-Bergen Animal Refuge,Inc. is holding a huge sale at the Copper
Tree Mall, 350 Ramapo Valley Road(Route 202) in Oakland, NJ on
Friday, June 13th from 9am-9pm andSaturday, June 14th from 9am-3pm. Find a wide range of beautiful
gifts, seasonal and household items -some animal-related, most not. All pro-ceeds directly benefit the animals of
R.B.A.R.I. To learn more about ourorganization please visit www.rbari.org.
JUN 20
Join us on Friday, June 20 at 1pm forSaving Mr. Banks, a Walt Disney movierated PG-13, 125 minutes. For moreinformation or to register, call thelibrary at 973-835-5044 or registeronline at riverdalelibrary.org.
JUN 26
The Riverdale Librarys Summer
Reading Kickoff Party is Thursday June
26, 4-5 p.m. Kick off our super sciencesummer with juggling, beat boxing, andcrazy balancing! For kids enteringgrades K-5. Registration is required.Call 973-835-5044 or go online atriverdalelibrary.org to register.
JUN 30
The Denville String Band, which enter-tains in the tradition of the PhiladelphiaMummers, will be performing at theBloomingdale Senior Center on Monday,
June 30, 7:30pm. Coffee and cake willbe served. Doors open at 6 pm. Thecost is $5.00. For information and
reservations, please call Pat at 973-838-9259.
Around the
Community
The Riverdale Library is hosting aLEGO Lab on Wednesday June 25, July23, & Aug. 27 from 4-5pm. Build a
rocket ship, a city, a robot? Become anengineer: you bring your imaginationand well supply the LEGOs! For kidsentering grades K-5. Registration is
required. Call 973-835-5044 or goonline at riverdalelibrary.org to register.Calvary Gospel Church, 1559Hamburg Tpk, Wayne announces our2014 VBS. It will be held July 14-18from 9am-12pm. This is a free activityfor children grades pre K-5. The themewill be Gods Love from the program(Son Treasure Island.) Please call thechurch at 973-694-5385 to reserveyour spot now!The UONJ is an area-wide support
group for ostomates, individuals withpotential, new, existing or reversedostomies. We provide direct aid andmutual support for this group of individ-
uals. Meetings are held the secondMonday of each month, at Chilton
Medical Center, located at 97 WestParkway in Pompton Plains. Meetingsstart at 7pm. Any questions, please feelfree to reach out to Jo Ann ValentCWOCN (Co-president) [email protected] or973-831-5168.Riverdale Public Library announcesSummer Reading Program 2014. Cometo the library, fill out a registration card,and receive a reading log. Read, or, lis-ten to an audio book (or 100 pages)
each week. Bring in your completedreading log each week. The child whoreads the most books will win a goodybag full of prizes! There will be first,
second and third place winners for themost books read. This program is opento residents of all towns. Registrationbegins Monday, June 23. Call 973-835-5044 or go online at www.riverdaleli-brary.org for more information.Story Times for Infants and Pre-Schoolers; for 2-year-olds with a care-
giver, theres Totally Twos on Mondaysfrom 10:15-10:45am. For infants with acaregiver, check out Baby Time onMondays from 11:00-11:30am. For 3-
5-year-olds, come to Preschool Pals onTuesdays from either 10:15-11:00am
or 1:30-2:15pm. Summer story timebegins the week of June 16 and endsAugust 5. Registration is required.Summer registration for all programsbegins May 16 for Riverdale residents,May 23 for non-residents. Call 973-835-5044 or go online atwww.riverdalelibrary.org to register.
Girl Scout Registration! Come and join.Registration will be on Saturday, June14 from 9-12pm at the Pompton LakesReformed Church for girls and adult vol-
unteers! Free GS Loom Bracelet for allnew members! For more info pleasecontact Paulette B at 973-390-5066 forat [email protected] 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 Works
2nd Floor 145 Ringwood Ave Wanaque
or call 973-934-6520 for more infor-mation.Whether you are still suffering from
visit our website at www.lifeandleisurenj.com June 11, 2014Page 2, Zone 3
100% Mailed, Bi-Weekly Newspaper234 Main Street, 2nd Floor
Lincoln Park, NJ 07035 i 973.696.8008
Publisher: Joe Pellegrino i Editor: Bethanne Pellegrino i Administrative Assistant: Denise Wirsing i Art Director: Robin Banta
Sales: Lisa Buniewski, Larry Johnson, 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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FOURTH OF JULY FIREWORKS SCHEDULE
BLOOMINGDALE Friday, June 27 at 6pm, Walter T. Bergen School, 225 GlenwildAve, rain date June 28.
MONTVILLE Saturday,June 28 at 9:30pm, Montville High School, 100 HorseneckRd. rain date June 29.
PEQUANNOCK Wednesday, July 2 Pequannock High School, 85 Sunset Rd. rain
date July 3.
WAYNE Wayne PAL Annual Fireworks Extravaganza, Wednesday, July 2- RainDate Sunday, July 6, Wayne Hills High School, 272 Berdan Avenue, Gates Open at6pm, $10 per Family, Fireworks Show Begins Approximately 9:15pm. There will beFood, BATTLE OF THE BANDS, Clowns, Rides, Glo-Sticks and a 50/50 Raffle.
continued on page 5
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visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 3
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Do you think its a
requirement to be-come a millionaire
in your lifetime? Is it a nice
thought, perhaps for some-
one else, or not even a
thought at all? Were you
alive when the average house
in our North Jersey area cost
around $80,000 in 1978,
when $1,000,000.00 was
really a cool million? And
now, what is a cool million
dollars worth? Does it still goas far; spend the same or feel
as good when compared to
the late 70s considering
nominal bank CD rates were
over 10% and for a brief peri-
od as high as 18%? A
$1,000,000 CD would gener-
ate $180,000 in annual inter-
est, in other words, you could
live on that. Today, the same
$1,000,000 CD from the
same bank pays .35% or$3,500 in annual interest and
that is before we calculate
todays inflated cost of goods
and services when compared
to the 1970s.
Please imagine a slice of
pizza or my newest measure
of inflation, a bagel. When I
was 7 years of age, a slice of
pizza cost a quarter and a
bagel cost a dime. This week
I purchased a dozen bagels for$12 and two slices of pizza
cost more than $4.00! My
children have asked me why
we even use change anymore
since basically nothing costs
less than a dollar. You know,
theyre right and inflation
isnt slowing down stopping
or going away, quite the con-
trary, in this columnists
opinion, inflation is poised to
skyrocket! What I am sayingis that accumulating a $1
plus million retirement port-
folio is no longer a nice
thought or optional, its adownright mandatory neces-
sity - Period!
Last month one of my
columns was entitled, Is a
College Education Worth
the Cost? Is it worth losing
at least 4 years of momentum
in the workforce building
your career while accumulat-
ing a 6 figure school loan
debt, not to mention a guar-
antee of a job upon gradua-
tion? I wrote, Its a Dogs
Life for Me, comparing the
wonderful life my dog leads
to the perfect retirement life.
Another column was titledWants vs. Needs the
American Struggle, where
no one actually needs a new
Bentley motorcar. Today, I
am writing about financial
preparedness, that without
exception must be planned
for and executed or suffer a
retirement of sacrifice, disap-
pointment or worse, no
retirement at all. There was
once a joke that asked, Howdo you spell retirement? The
answer was D.E.A.T.H.
Unfortunately, for some peo-
ple born after 1985 thisjoke will more than likely
be their reality. The rules of
the money game including
wealth accumulation, inter-
generational wealth transfer
and debt avoidance must be
mastered and plans for a
joint-life guaranteed retire-
ment income must be in
place so the surviving spouse
will not run out of money
before running out of life.
Lets see what the
future holds is a phrase tan-
tamount to complacency and
denial. We must be proac-
tive, decisive, actionaryand reactionary to world
events including that of our
own government that shape
our individual and familys
financial future. The finan-
cial section of the newspaper
can no longer be used to line
the bird cage or as the dogs
wee wee pad, until after it is
read and digested by all who
live under the family roof.
Tough economic times willbe upon us again and the fed-
eral government lacks the
financial might and world
respect to save us this time.We have come to the rescue
of other failing nations
throughout history and how
many of those nations would
or could come to the aid of
the United States of
America? Bottom line is it
really doesnt matter, because
the problem of our national
debt and total federal finan-
cial obligations due to con-
tinued congressional compla-
cency, have gotten too far
out of control where no
nation on earth possesses the
financial might to render any
aid or bailout.Its truly out of control
with no leadership from any
branch in power to overcome
this adversity and travesty. I
am concerned for the chil-
dren of today as the govern-
ment has forsaken them by
refusing to acknowledge and
correct decades of reckless
spending without regard to
balancing expenses with rev-
enue. The government can-not continue to raise taxes
on the 50% of Americans
that pay tax while increasing
those that are dependent ongovernment provided
income, health care and
housing benefits. How many
more examples do we need?
History is littered full of
failed governments, political
experiments run amok and
Robin Hood economic les-
sons for the United States
government to behave the
way it has, increasing the
debt ceiling every budgetyear to this incomprehensi-
ble level. How, as a family
unit, can you react and pro-
tect yourself from our failed
domestic economic prob-
lems? Ill tell you: work more,
earn more, save more, invest
more and spend less, all the
things your government
refuses to do. Living above
ones means, keeping up with
the Joness, entitlementvacations and new cars are
out! Frugality, Budgeting and
Necessities only, are in! The
penalty for non-compliance
will be severe and what are
the consequences if I am
wrong about future inflation?
Youll have a fortune more
money invested a rosy future
and leave a major legacy!
But, if Im right, and you are
prepared, youll be able toprosper through your very
last day with food on the
table, a roof over your head
and cash to pay for health
care. This is too serious a
subject to put-off or poo poo.
The Federal Reserve has
already indicated interest
rates will rise in the latter
half of 2015 and with that
the resurgence of inflation.
Remember the bagel andpizza prices of your childhood
vs today and just think about
them for a moment. Now,
project what they will cost in
ten years, in twenty and if
you will be able to pick upthe tab when the kids and
grandkids come over. My
advice, get together with a
competent financial advisor
today to design a tax-advan-
taged savings/investment and
income producing program
to protect and provide for
your future financial require-
ments ASAP!
Mark E. Charnet, CAS, isPresident and Founder of
American Prosperity Group.
APG is the P remier Reti rement
and Estate Planning Franchise
in the United States with 19
offices in 8 states. Mr. Char-
net has over thirty three years
of experience in the Retirement
and Estate Planning fields.
Creator of the Trinity Method
of Investing, Mark encour-
ages your inquiries and can bereached at: 973-831-4424 or
via email,
Check out our website:
www.1APG.com Interested in
a career in retirement and es-
tate planning? Check out this
website: www.APGFran-
chise.com Securities through:
United Planners Financial
Services, A limited partner-
ship. Member SIPC, FINRAand a Registered Investment
Advisor.
visit our website at www.lifeandleisurenj.com June 11, 2014Page 4, Zone 3
He who has health has hope. And he who has hope has everything.Benjamin Franklin
And he who desires everything, must have the cash!Mark Charnet
By Mark Charnet
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the 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 Man
Ministries meets the first Thursday ofevery month from 7:30-9:30pm atCornerstone Chapel 620 Route 23
North, Pompton Plains.The Pompton Lakes Republican Club
invites you to its monthly meetings onthe third Thursday of each month at theVFW Post 2906 off Wanaque Avenue inPompton Lakes. Membership is open tothe public. Get involved with the PLRCand participate in informative meetings,community outreach, scholarships for
youth, and social activities. Questions?Call 973-835-4025 or [email protected] Circle of Friendship, a non-denominational support group for the
separated and divorced, meets at7:30pm on the first, third and fifthThursdays of each month at St. Mar ysChurch 17 Pompton Ave. in PomptonLakes. For further information call theparish at 973-835-0374.
visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 5
We Design From Our Hearts
FLOWERS GALORE & MOREFULL SERVICE FLORIST
503 Main St. River Place www.FlowersButlerNJ.com
VENDORS WANTEDIntroducing HOME MADE WAY
A Venue for Local Artisans to rent space, showcaseand sell their unique ARTS, CRAFTS and DESIGNS
Display Your Crafted Items Outside on Saturdays or
Anyday Upon Request - Call for Details 973.838.9200
Community Happenings
continued from page 2
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Afather who is afraid to
go the dentist is likely
to pass on his fear to
his children, according to
researchers at Rey Juan
Carolos University in Madrid,
Spain. The International
Journal of Pediatric Dentistry
published a study where 183
Madrid children from 7-15
years old, as well as their par-
ents, rated the level of fear todentistry in an anonymous
questionnaire.
The data showed that
mothers reported the highest
levels of dental fear and the
researchers concluded that the
greater dental fear is for one
family member, the greater it
would be for the other family
members. They also concluded
that the fathers feelings about
going to the dentist play a hugerole in whether a mothers fear
of the dentist will be passed to
their children.
Children seem to pay
attention to the emotional
reactions of their fathers, if
going to the dentist will be
stressful, said Professor
America Lara-Sacido.
The results point to a
need for dentists to reducefathers dental fears by giving
them accurate information on
dentistry, teaching simple
relaxation techniques, or
addressing negative thoughts
to prevent passing dental fears
on to their children. The workwith the parents is key and
teaches them to be relaxed as a
way of directly influencing
their kids.
Dr. Peter Brusco is a 1980 grad-
uate of the University of Penn-
sylvania and has been practicing
in Kinnelon since 1982. Dr.Br-
uscos practice is located at 170
Kinnelon Road, Suite 29A in
Kinnelon. You can reach him at973-838-5862. Visit him online
at www.drbrusco.com.
visit our website at www.lifeandleisurenj.com June 11, 2014Page 6, Zone 3
Using LenSx Laser Technology
Laser Cataract Surgery
Charles D. Crowley, M.D.
and his Associates offer eye
care for the entire family,
from surgery to glasses.
Safer Better More Reliable
Other conditions we treat(partial list)
Blurred visionCataractsFloaters and flashesGlaucomaDiabetic RetinopathyMacular DegenerationCrows feet/creased brow
Treatments(partial list)
Custom Vue LasikCustom Cataract with RestorMultifocal Lens ImplantsFoldable Lens Implants
Dr. Michael DelGiodiceis an author on ocular disease
and Vice President of the NJ Chapter of the AmericanAcademy of Optometry. His specialties include laser eyesurgery post-operative care, dry eye syndrome, contact
lenses and neurologic eye disease. He is also aconsultant for Bausch & Lomb.
ASSOCIATEDEYEPHYSICIANS, P.A.
Ceaser Pitta, M.D. specializes in diseases of theretina including Macular Degeneration, DiabeticRetinopathy, Macular Holes, Macular Pucker and
Detachment surgery.
Meet our experienced Physicians
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Like father like son: Why your
children may be afraid of the
dentist By Peter Brusco, DMD
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visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 7
Dr. Peter Brusco, D.M.D.
Preventing cavities,
gum problems and
saving your teeth for a
lifetime for over 30 years.
973-838-5862 170 Kinnelon Rd., Suite 29A Kinnelon www.drbrusco.com
and Share atDr. Peter Brusco, D.M.D.
NEW PATIENTSPECIAL
$8900Expires July 31, 2014
Not to be combined with any other offers.
Dr. Peter Brusco, D.M.D.973-838-5862
EXAM, DIGITAL X-RAYS, AND CLEANING
REG. $2660% Financing for qualified patients through CareCredit
Friendly, Caring Atmosphere with Gentle, Experienced Dental Professionals.
Cosmetic Dentistry Bonding & Veneers TMJ Root Canals Teeth WhiteningOral Surgery Mini Dental Implants Implants Dentures
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What would summer
be without days
spent frolicking at
the beach or afternoons spent
splashing in the pool? Fun in
the water makes hot days more
enjoyable and bearable, and
few summertime activities do
not involve water play in oneaspect or another.
Although time spent in
the water can be refreshing and
entertaining, water does pres-
ent certain hazards, particular-
ly for those who do not know
how to swim. Learning to
swim, especially at a young age,
is advisable and a great way to
remain safe around the water.
The World Health
Organization says drowning is
the third leading cause of unin-
tentional injury death across
the globe, accounting for 7 per-
cent of all injury-related
deaths. Children, males and
individuals with increased
access to water are most at risk
of drowning. In general, chil-
dren under five years of age
have the highest drowning
mortality rates in the world,
though adult males in Canada
and New Zealand drown at
higher rates than children.
According to the
American Academy of
Pediatrics, parents should con-
sider swimming lessons for
most children between the
ages of one and four. New
research has revealed that
swimming instruction for chil-
dren between the ages of one
and four may decrease drown-
ing risk. However, parents
should be advised that swim-
ming lessons do not remove all
risk. Children still need con-
stant supervision when in and
around water. Additionally,
learning CPR can be a life-sav-
ing measure.
When enrolling children
in swim lessons, parents should
look for safety-certified
instructors who have first aid
and resuscitation training and
certification. Many programs
visit our website at www.lifeandleisurenj.com June 11, 2014Page 8, Zone 3
Physical Therapy - Speech Therapy
Occupational TherapySensory Integration
Has your childbeen diagnosedwith...Cerebral Palsy
Autism
Developmental Delay
Balance/CoordinationDisorder
Hypertonia
(increased muscle tone)
Hypotonia(low muscle tone)
Down Syndrome
Spina Bifida
Metabolic Disorder
Traumatic Brain Injury
We can help, give us a call
973.616.830018 Newark Pompton Tpk
Riverdale
Developing the Foundation for a Lifetime of School Success!
Family Owned and Operated Est. 1972
Preschool, Kindergarten Ages 2-6 Years
KINNELON10 Maple Lake Road
WEST MILFORD836 Macopin Road
Call, visit and compare the advantages gained for your child.
CelebratingOur42nd
A nniversary
973-838-2122 www.applemontessorischools.com
Visit our school and findout how many consecutive
years over 90% of ourchildren scored in the top
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MOST FUN in theirlives!
A Truly UniqueMontessori School Security Camera and
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Foreign Language
3 or 5 Half Days
Full Days 7am-6:30pm Fastrackids
Parenting Seminars
Character Education After School Clubs
Summer CampAges 2-12 Years Daily Swimming Lessons, heated pool
designed for the safety of young children
Sports/Organized Games Arts & Crafts
Field Trips/Fun Themed Days
Music/Dance
In House Events Nature & Science
Computers Cooking After Camp Clubs
Jr. Counselors in Training Program
(6th-9th) grades Fastrackids
j
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&MEMORIES
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PERFORMING
ARTS
ACADEMY
973-839-7800194 Wanaque Ave. Pompton Lakes www.thepaa.com
RED, WHITE & BLUEZOO WEEK
ALL AROUND THEWORLD
BEACH WEEKFANCY NANCY WEEK
CIRCUS WEEKMYSTERY WEEK
June 30th - August 22nd,9am-1pm
Ages: 3-6 & 7-10
SUMMER ARTS& CRAFTSDAY CAMP
NEW WEEKLY THEMES INCLUDING:
Thursday is Movie Day and Pizza Day. Movie theme will be
related to the weekly theme. Popcorn will be served.
Performing Arts Academys all newSummer Day Camp provides children with afun and educational experience in the arts.
How parents can help youngsters
learn to swim
continued on next page
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offered are sponsored by the
American Red Cross or the
YMCA. Private swim clubs
may have their own instruc-
tors.
Children between the
ages of one and three typically
do not have the motor coordi-
nation to swim effectively.
These children can benefit
from swim lessons that empha-
size getting used to the water,
safety and learning some swim-
ming readiness skills.
Instruction may involve teach-
ing children how to move their
legs and arms and strengthen
muscles used for swimming.
Children between the ages of
four and five may be more
developmentally ready for
swimming. Such youngsters
may move from water-safety
lessons to actual swimming
with or without support. A
study titled Childrens readi-
ness for learning front crawl
swimming published in The
Australian Journal of Science
and Medicine in Sport showed
that whether kids started les-
sons at two, three or four years
of age, they learned to swim
well at approximately the
same mean age of five and
a half years.
In addition to swim-
ming lessons, parents and
other adults can ensure
water safety by taking the
following precautionary
measures:
Children should never be
left unattended in the
water. It takes mere inches
of water for a youngster to
drown.
In the pool or another body
of water, caregivers should be
within touching distance of
young swimmers to provide
help if needed, even if the
child is wearing a floatation
device.
Keep rescue equipment by
the pool.
Remove toys from the pool
when its not in use. These
toys can attract children who
will go in after them.
A fence around the perime-
ter of the yard may be manda-
tory, but a fence around the
pool itself is another safety bar-
rier to consider. The fence
should feature a self-latching
gate.
Even adults should be
watched while swimming. It is
always a safe idea to swim with
a buddy, so that the other per-
son can get help if something
goes wrong.
So, be safe this summer.
visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 9
How parents can help youngsters learn to swim
continued from previous page
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Many college stu-
dents recognize the
value of intern-
ships. Internships can help
college students start building
their resumes before they
even earn their degrees, and
those experiences can give
them an edge in a competi-
tive postgraduate job market.
Landing internships
gives students some firsthand
experience within a given
profession, and that exposure
can help them decide if a pro-
jected career path is right for
them or if its good to go back
to the drawing board. The
following are a few tips to
help college students land an
internship and make the
most of the opportunity.
Dont hesitate. Though
many internships are tailored
to students with a year or two
of college under their belt,
that doesnt mean freshman
cant begin to explore poten-
tial opportunities. Even if you
dont intend to get an intern-
ship in the coming school
year or during summer break,
you can begin to explore
potential opportunities that
might interest you when the
time to start seeking intern-
ships does arrive. Looking
early may yield valuable
information, such as courses
that would improve your
chances of landing an intern-
ship, which your fellow stu-
dents who hesitate or pro-
crastinate wont have.
Speak with the career
placement specialists at your
school. Career placement
departments at colleges and
universities are an increasing-
ly valuable resource for
todays college students,
many of whom will graduate
and face an uncertain and
crowded job market. But
career placement depart-
ments are not just a resource
for grads. Such departments
can be valuable tools for cur-
rent students interested in
landing internships. If you
dont know where to begin
your internship search or sim-
ply want to see if any oppor-
tunities have opened up,
speak with representatives at
the career placement depart-
ment at your school. Look
the part on such visits, dress-
ing nicely and bringing a
Tips to land a good internship
visit our website at www.lifeandleisurenj.com June 11, 2014Page 10, Zone 3
SALES SERVICE REPAIRS
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LARGEST VACUUM PARTS SELECTION IN NEW JERSEY
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12 amps 5 Spin Scrub Brushes On-Board Powered
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24 Cord 1 Year Warranty
Performance
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Margaret (Peggy) TanaEd.M, MAT, LPC, LCADC
Licensed Professional CounselorLicensed Clinical Alcohol and
Drug CounselorNJ 37PC00302700, NJ 37LC00078800
Counseling for individuals
and couples using a holistic,
person-centered approach.
Experienced with abuse, trauma,
cultural, and spiritual issues.
Trained in EMDR.
170 Kinnelon RoadKinnelon, NJ 07405
www.margaret-tana.com
973-838-7265
AnxietyAddiction
Depression
June 12th & 13th9am to 4pm
Cash Only!
Cheesecakes, Cookie Dough, Pies,Candy, Gift Items, Toys & More!
220 WEST PARKWAY POMPTON PLAINS continued on page 24
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visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 11
HOW LONG HAVE YOU SUFFERED FROM LOW BACK PAIN?HAVE YOU TRIED THE DRS SYSTEM?
After only three weeks of treatment, clinical studies have shown outstanding
results in relieving the debilitating pain that may be caused by bulging, herniated,
degenerative, or ruptured discs, as well as sciatica, posterior facet syndrome,
and many failed back surgery cases.
All Ages Welcome Evening Appointments
Most Insurance Plans Accepted
Advanced Sports Medicine& Physical Therapy Center
18 Newark Pompton Tpke. Riverdale 973-616-4555
www.AdvancedSportMed.com
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A State-of-the-Art FacilitySpecializing inTreatment for:
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Treatment of herniated anddegenerative discs without surgery.
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Summer and the warm
weather are just about
here. Its time to get off
our couches and venture into
the great outdoors. These
plans will often include your
furry, four-legged friends.
However, dogs and cats can
suffer from hot weather prob-
lems similar to those of the
human- like enduring the
heat, bugs and allergies. As it
gets hotter, it is important to
take some simple precautions
to keep our pets healthy and
safe from the hazards that
accompany summer.
Heat stroke is a very seri-
ous and very common occur-
rence during the summer
months and results when your
pets body temperature rises
above the normal range. Heat
stroke can be a life-threaten-
ing disease, can afflict dogs or
cats quite rapidly and be diffi-
cult to treat. A little preven-
tion can go a long way.
Certain pets may be predis-
posed to this condition such
as brachycephalic breeds (i.e.
pushed in nose) like a Bulldog
or Persian cat, overweight
pets, very young and very old
pets or ill pets. Heat strokes
occur a lot in late spring and
early summer because our pets
are out of shape and are not
yet acclimated to the hot
weather. Therefore, introduce
pets to exercise slowly. Also,
try to exercise pets in the
morning or evening when
temperatures are lower. Be
sure to provide your pet with
plenty of breaks for water and
time to cool down in the
shade.
There are many ways to
avoid heat stroke. The most
known adage is to never leave
a pet in the car on warm days.
Even with the windows open,
temperatures in a car can rise
to deadly levels within min-
utes. Dogs and cats dont
sweat the same way we do.
They thermo-regulate mostly
by panting and can sweat
minimally through the bot-
tom of their feet. One of the
easiest preventative measures
is to make sure that pets have
free access to water and shade
when kept outside.
Early signs of heat stroke
may include rapid panting,
heavy breathing, excessive
salivation, increased body
temperature (i.e. above 100-
102 degrees F), depression,
weakness, and vomiting. If
you suspect that heat stroke is
taking place, seek immediate
veterinary attention. In the
meantime, you should remove
the animal from the hot area
and start lowering your pets
body temperature. This
shouldnt be done too quickly,
which can also be dangerous.
Therefore only use cool water,
NO ice. An easy remedy is to
place cool water soaked T-
shirt on your pet and take
them right to your veterinari-
an. Aside from heat stroke,
more outdoor activities mean
the risk of outdoor traumas
and increased accidents. Some
tips include: not leaving pets
unsupervised around a pool,
make sure all pets wear flota-
tion devices on boats, and try
not to let your dog drink pool
water, which contains chemi-
cals that could cause stomach
upset.
Cats that are allowed
outdoors also venture out
more in the summer. Be on
the lookout for abscesses and
other fighting injuries. Cats
that are neutered or spayed
may be at a lower risk of such
injuries as they are unlikely to
be involved in mating-
induced aggression. The best
way to avoid these
injuries is to keep your cat
indoors.
The warmer months
also means more bugs.
Fleas are a common pest that
live off the blood of their
hosts and can cause itching, or
worse, an allergic reaction
called flea-bite dermatitis.
Fleas can also be carriers for
an intestinal parasite called
tapeworms. Mosquitoes are
another pest that may carry
heartworms, which can be life
threatening to your dog and
cat. More trips to the dog park
can also increase exposure to
infected soil and intestinal
parasites, some of which are
transmissible to people
(zoonotic). In North Jersey,
we cant forget about ticks
that can carry a variety of dis-
eases, most notably Lyme dis-
ease. Preventatives for fleas,
ticks, heartworms and intes-
tinal parasites are available
from your veterinarian and
should be given year-round.
The benefits of prevention far
outweigh the nuisance and
health hazards for your pet
and to us as well.
Another summer risk for
cats that live in apartment
buildings or in homes with a
second floor is high-rise syn-
drome. This is the unfortunate
scenario of us wanting to open
windows in the nice weather
and cats falling out of them.
Cats dont deliberately jump
out of windows but can fall if
screens arent properly secured
or if they are focused on an
insect or bird and become dis-
tracted. Cats can be seriously
visit our website at www.lifeandleisurenj.com June 11, 2014Page 12, Zone 3
Dr. Matthew Krupnick, D.V.M.
591 Newark Pompton Tpke.(near Friendly's)
Pompton Plains, NJ
973.616.0400
Hours: Mon 8-6pm Tues 8-4pm
Wed 8-7pm Thurs 8-6pmFri 8-5pm Sat 8-12pm
FREE ExamNEW CLIENTS ONLY.
Limit 1 per pet.
Not combinable w/other offers. Expires 7/23/14.
15% OFFExam Fee
ONE TIME ONLY. Limit 1 per pet.Not combinable w/other offers. Expires 7/23/14.
OpenSaturda
ys
PequannockVeterinarian.com
WHERE YOURPET IS FAMILY
Full Service Animal Hospital, Specializing in Cats & Dogs
Complete Medical, Dental & Surgical Services On Premises
Caring & Competent Staff
Summer safety for pets
continued on next page
Brought to you by Dr. Matthew Krupnick,
the owner of Pequannock Animal Hospital
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8/12/2019 221657_1402051296June 11 2014 Z3 LR
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injured even if they fall even
from a short distance. This
syndrome is 100 percent pre-
ventable by having secure
screens or enclosures for our
windows.
With some simple pre-
vention our pets can enjoy
this summer as much as we do.
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.
visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 13
a full service salon
on the cutting edge
FATHERS
DAY
SPECIAL
Gift Certificates Available
(973) 838-8306 1238 Rt. 23 N. ButlerTues, Fri & Sat 9am-5pm Wed & Thurs 10am-8:30pm
$10 OFFAny Spa Treatment
with MaryannWith this coupon.
Not to be combined with any other offers.Expires July 15, 2014
Purchase a Mens Facial withHaircut Gift Certificate for Dad
$80Reg $95~or~
FREEHaircut with Any Mens Hair Color
With this coupon. Not to be combined
with any other offers. Expires July 15, 2014
Welcoming
Maryann to
our salon with
over 20 years
experience
in the skin
care industry.
Formerly
worked in the
Butler area.
Assistant and Experienced Stylist Positions Available.
Did you know that
having your car
repaired or serviced
byPry does not voidyour manufacturers
warranty?
Foreign & Domestic NJ State Inspection Brakes Mufflers Exhaust
GIVE
PRYATRY!
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50 Boonton Ave. BUTLER
Most cars. Not to be combined with any other offers.With coupon. Expires 07/15/2014.
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SPRINGSPECIALS!
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MAINTENANCE SPECIAL
NEW CLIENTS ONLY. Most cars. Not to be combined w/any other offers.
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Belts & Hoses Wiper Blades Fluid Levels Low Test Battery Brakes
Suspension Charging System Tires Filters Battery
Check:
GREATDEAL!
Summer safety for pets
continued from previous page
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Riverdale Square is the
perfect venue for a full
day of activities.
Located right on Route 23
North, less than a mile from I-
287, Riverdale Square offers
convenience where you can
shop, wine, dine and enjoy
all in one location!
Great Clips
If youre looking to keep up
with the latest in hairstyle
trends, Great Clips is a great
place to start! It offers attrac-
tive haircuts at even more
attractive prices. Coming in for
a haircut has never been easier
online check-in is available,
ensuring low wait times. No
appointment? No problem!
Walk-ins are always welcome!
For more information or to
speak with an expert stylist,
call 973-513-9447 or visit
www.greatclips.com.
Hollywood Tans of Riverdale
You dont have to spend hours
in the hot sun to have a golden
tan this summer! Hollywood
Tans of Riverdale boasts some
of the best tanning in the area.
Voted favorite tanning salon in
North Jersey within one year of
its opening, it is home to the
rich and the famous, including
the Real Housewives of NJ
and former Miss Teen America
Katarina Kneer. Use its exclu-
sive Superstar Tanning Units
or opt for a golden spray tan.
For more information call 862-
248-0830 or visit www.holly-
woodtansriverdale.com.
NJ Buffet Hibachi Grill and
Sushi
NJ Buffet presents an entirely
new concept in buffet dining.
With 12 buffet tables rotating
more than 300 items, it is the
largest and most elegant buffet
in Morris County. The restau-
rant offers a hibachi-style grill
where diners can watch the
chefs create fresh and succulent
dishes right before their eyes!
Lunch buffet starts at just
$6.99. For more information
call 862-377-0598.
Pearle Vision
Pearle Vision Riverdale is
an awarding winning store for
its customer service. Your eyes
are important to us, so come in
to schedule your eye examina-
tion with our Independent
Doctor of Optometry. We spe-
cialize in Adult and Pediatric
eye examinations, contact lens
services, diagnosis and manage-
ment of eye diseases. Here at
Pearle we have an expert staff
of licensed Opticians who will
make sure you see your world
more clearly. For more infor-
mation please call 973-248-
1188 to schedule your next
appointment or visit
www.pearlevision.com.
Red Mango
Red Mango Riverdale Square,
home of the #1 Zagat rated
frozen yogurt is proud to intro-
duce Red Mango Caf &
Smoothie Factory branded
smoothies & cold-pressed
juices. Store hours will be from
7AM-11PM daily. Enjoy your
choice of cold-brewed coffee,
detox juice, or steel-cut oat-
meal for breakfast- a salad,
wrap, or flatbread for lunch
(all under 420 calories) - or an
after workout smoothie packed
with protein to keep you
going . Dont fo rget Red
Mangos all natural, probiotic
infused frozen yogurt! Come in
any time of day to experience
Red Mangos 3 core values:
Health, Taste, & Style. For
more information, call
862-248-0606 or visit www.
f a c e b o o k . c o m / r e d m a n -
goriverdalenj.com. COMING
SOON!!!
Your Own Winery
Just as the name suggests, Your
Own Winery is a unique oppor-
tunity to make your own wine
year-round, guided by experts
without any mess or hassle.
After free wine tasting from
many samples, customers
select, then create, their own
wine in three or four steps in a
beautiful retail location. The
staff does all the prep and
cleanup, leaving you to enjoy
the wine-making experience.
Also, wine personally made by
the bride and groom, makes the
Perfect Wedding Favor. For
more information call 862-200-
5808 or visit www.yourown-
winery.com.
So come on down to Riverdale
Square. Shop for Fathers Day
or better yet, take dad out for a
day of enjoyment. Theres a lot
to love about Riverdale
Square!
visit our website at www.lifeandleisurenj.com June 11, 2014Page 14, Zone 3
WhereYOU make great WINE
92 Route 23 North | Riverdale862.200.5808 | www.YourOwnWinery.com
Wine MakingGift Certificates
GREATFathers Day Gift!
Perfect Wedding
Favors, Call for Details!
FREE Wine Tasting
Before You Buy Find Your
Perfect Wine Makes 28 Bottles
Less Sulfites Than
Store Wines
Strawberry Riesling, Sangria,Watermelon White Merlot & More
100% Satisfaction Guaranteed
Make SUMMERWines NowDone in 6 Weeks
Riverdale Square
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Fathers Day has been
celebrated in one form
or another since the
beginning of the nineteenth
century. Perhaps the most
driving force behind Fathers
Day was Senora Dodd, who
thought of the idea of a day
to honor fathers while listen-
ing to a Mothers Day ser-
mon in 1909. Having been
raised by her father, Dodd
wanted to honor the sacri-
fices that fathers make.
Father s
Day was not formally consid-
ered a holiday until 1972,
when a Congressional Act
officially designated the third
Sunday in June Fathers Day.
Families celebrate
Fathers Day in many ways.
This year
Fathers Day falls on Sunday,
June 15. Dads who are histo -
ry buffs may want to cele-
brate this years holiday by
reminiscing about the
notable events that have
occurred on June 15 through
the years. Here are just some
of the many historical
events that took place on
June 15.
1752: Ben Franklin per-
forms his famous kite-flying
experiment to test the elec-
trical power of lightning.
1775: George Washington
is appointed Commander in
Chief of the American Army.
1878: The first attempt at a
motion picture takes place.
Twelve cameras, each taking
one picture, focus on horses
hooves to see if they will
leave the ground.
1887: The New York Giants
baseball team beats the
Philadelphia Phillies 29 -1.
1916: The Boy Scouts of
America receives its congres-
sional charter.
1918: An inch of snow falls
in northern Pennsylvania.
1924: Native Americans
are proclaimed U.S. citizens.
1934: The Great Smoky
Mountains National Park is
dedicated.
1940: France surrenders to
German forces as Nazi troops
occupy the city of Paris.
1968: John Lennon and
Yoko Ono plant an acorn at
Coventry Cathedral.
1977: General elections are
held in Spain for the first
time since 1936.
1985: The Russian space
probe Vega 2 lands on Venus.
2002: An asteroid misses
hitting Earth by 75,000
miles.
2003: The San Antonio
Spurs defeat the New Jersey
Nets to win the NBA
Championship.
visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 15
Celebrate dad and some historythis Fathers Day
b lif dl i j J 11 2014P 16 Z 3
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Dracula makes an
appearance at The
Rhino Theatre in
June. This stage adaptation is
closely based on the original,
presenting the frightening
story that made this a horror
classic. The story focuses on
the mysterious Count Dracula
who has gone to England
where he lives on a large
estate next to an insane asy-
lum run by the incredibly
naive Dr. Seward. The others
that make up the cast of this
thriller include Professor Van
Helsing, Renfield, the beauti-
ful Lucy Westenra and
Charles. The plot develops
with all the excitement of the
original and then, in the end,
the audience is given the jolt
of a startling double twist.
Friday and Saturday shows are
at 8pm and Sundays shows are
at 2pm. Ticket price is $25 for
Adults and $23.50 for seniors.
Call for tickets at 973-248-
9491. Rhino Theatre is located
at 247 Wanaque Ave., Pompton
Lakes. Visit their website at
www.RhinoTheatre.com.
visit our website at www.lifeandleisurenj.com June 11, 2014Page 16, Zone 3
LUNCH SPECIAL$699MONDAY - SATURDAY
*
*CASH ONLY. CANNOT COMBINE WITH OTHER OFFERS OR GIFT CERTIFICATES. NOT VALID ON HOLIDAYS.1 Coupon Per table. Coupon must be presented before ordering. Not valid on parties 6 or more. Expires 6/28/14.
With thepurchase of a
beverage.
Meatloaf w/Mashed Potatoes, Fried Shrimp w/FF, Shrimp Scampi w/Pasta,Chicken Parmigiana w/Pasta, Chicken/Shrimp or Sole Francaise w/Vegetables
710 NEWARK POMPTON TURNPIKE , POMPTON PLAINS973-835-1426 www.gillysrestaurant.com
z3
MUST PAY AT BAR TO REDEEM $10. CASH ONLY. Cannot combine with other offers or gift certificates.Not valid on HOLIDAYS. 1 Gilly Money per table. Not valid on parties 6 or more. Expires 6/28/14.
z3
PAY AT BARTO REDEEM $10
RESTAURANT
Rhino Theatre presents: Dracula
June 6, 7, 8, 13, 14, 15, 20, 21, 22
Pictured is Chris Robertson playing Dracula is from Bloomfield andMichelle Scar playing Lucy is from Pompton Plains.
TAKE-OUT DINE-IN
Pizza MusselsItalian Dinners
Appetizers Calzones
Hot Wings Hot & Cold Subs
THERES NOTOPPINGUS!
HOURS: Mon.-Thur. 11am-10pm, Fri. & Sat. 11am-11pm, Sun. 12pm-10pm
FREE DELIVERYButler, Bloomingdale, Riverdale, Pompton Lakes, Kinnelon,Sections of Wayne, West Milford, Haskell, Pompton Plains
$6.00 Minimum
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3, 4 or 6ft Party Subs Sandwich & Wrap PlattersAny Mix Available
May not be combined with any other offer. One couponper visit. Take out, delivery or dine-in only. Exp. 6/30/14.
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2 LargeCheese Pies
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$19.99 $28.99
$2 OFFAny Dinner
orLarge Sub
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of $30or more
May not be combined with any other offer.One coupon per visit.Take out,delivery ordine-in only. Exp.7/30/14. Taxnot included.
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Any CateringOrder
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12 Main St., Butler 973-283-0454 973-283-4339Check Out Our Full Menu Online www.AJsPizzaonline.com
LARGE CHEESE PIZZA
with order of $50 or more
i it b it t lif dl i jJune 11 2014 Zone 3 Page 17
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Its all about remembering
Dads favorites on Fathers
Day. While everyone
relaxes and enjoys the serenity
of the backyard, these ribs will
be slowly cooking to mouth-
watering perfection.
Orange-Ginger Baby Back
Ribs
Ingredients:
5 pounds baby back ribs
Sauce:
1 cup ketchup
cup hoisin sauce
4 tab soy sauce
2 tab grainy mustard
3 tab honey
2 tab orange juice
2 tab Asian chili sauce
1 tab Worcestershire sauce
4 cloves garlic, minced
1 tab ginger
Grated zest of an orange
Salt and pepper
Directions:
Preheat the grill to medi-
um and turn down to low.
Prepare ribs for grilling by
removing the membrane from
the underside of the ribs.
Prepare several foil envelopes
and place 2 strips of ribs into
each envelope, with 1/4 cup of
water and seal tightly. Cook
for 2 to 2 hours on low
(300F) with the lid closed.
Check the thermometer on
the front of the grill lid fre-
quently and adjust the cook-
ing temperature accordingly.
This may require turning one
or two burners off and cooking
indirectly.
To prepare the sauce:
Combine all ingredients in a
saucepan and set aside until
the ribs are ready to remove
from the foil. Gently heat the
sauce on the side burner for 10
to 15 minutes before using.
Carefully remove the ribs
from the foil and place on
grids. Baste generously with
sauce, and grill for 10 minutes
per side, leaving the lid open,
turning several times, and
basting with sauce after each
turn.
Heat remaining sauce to
a boil and then allow it to sim-
mer for 5 to 10 minutes. Serve
on the side as a dipping sauce.
Find additional recipes and
grilling tips online at
www.broilkingbbq.com.
visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 17
Cinco De Mayo
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1 LG. CHEESE PIE & 1 ORDEROF BUFFALO WINGS
Only
$1599Only
1 LG. CHEESE PIE & 1 COLDANTIPASTO OR MUSSELS
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DANNYS PIZZATake-Out or Delivery only. Additional toppings extra.Not to be combined w/any other offers. Exp. 7/15/14
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2 Large1 Topping Pizzas
DINNER FOR 2Chicken Entrees Any Style,Pasta Any Style, Side Salad
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Gather around the grill this Fathers Day
visit our website at www lifeandleisurenj com June 11, 2014Page 18, Zone 3
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visit our website at www.lifeandleisurenj.com June 11, 2014Page 18, Zone 3
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visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 19
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visit our website at www.lifeandleisurenj.com June 11, 2014Page 20, Zone 3
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You can help give backtoo! In remembrance of
Memorial Day DC Landscape
Design LLC will donate 15%
of the total labor on any
installation in the month of
June to Wounded Warriors
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ties that DC Landscape
Design serves can help give
back too. People can feel good
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Dennis ended by saying,
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To schedule a free consultation
contact DC Landscape Design
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continued from page 1
visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 21
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Fertilizing a lawn is aspringtime tradition for
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Winter can take its toll on a
lawn, but fertilizer can go a
long way toward helping a lawn
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While lawn-and-garden enthu-
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Dont overdo it with nitrogen.
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Fertilizing for beginners
continued on page 26
visit our website at www.lifeandleisurenj.com June 11, 2014Page 22, Zone 3
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visit our website at www.lifeandleisurenj.comJune 11, 2014 Zone 3, Page 23
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On the heels of a reces-
sion that saw homevalues drop, many
would-be investors have shied
away from buying investment
properties. But real estate has
historically remained a sound
investment, boasting a long-
term appreciation rate that
makes it a worthwhile invest-
ment for those who can with-
stand temporary setbacks in
housing prices and hold on totheir properties over the long
haul.
But investors are often
nervous as they look for their
first properties. Uncertainty
about housing prices aside,
investing in real estate is also
risky, and first-time investors
need to be comfortable with
such risk in order to make the
most of their investments.The following are a few things
potential real estate investors
should consider as they decide
if investing in real estate is
right for them.
Personal ability
Real estate investors typ-
ically have tenants, and those
tenants inevitably have needs.
Investors who have experi-
ence as contractors may notfind it difficult to renovate a
property and make it more
attractive to tenants, nor are
they likely to be inconve-
nienced when minor issues on
the property need to be
addressed. Investors with no
such experience will need to
hire contractors to do the
work for them, cutting into
potential profits down theroad. In addition, investors
who dont have the ability
and/or the time to address
minor issues like a clogged
drain or a drafty window on
their own will need to hire a
property management firm to
tend to such needs. Such firms
are effective, but also expen-
sive, further cutting into your
profits.Even those investors
with contracting experience
may have little or no knowl-
edge of how the leasing
process works, forcing them to
rely on a real estate firm to
write up leases and ensure all
leases stay current. This, too,
License #: NJ09980558654 2014 CENTURY 21 REAL ESTATE LLC. CENTURY 21 is a trademark licensed to Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each office is independently owned and operated.All information deemed reliable but not guaranteed. Prices subject to change. If your property is currently listed with a real estate broker please disregard this offer.
Call me today for your complimentary Mortgage Pre-approvaland Spring into the home buying process with confidence!!!
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Mortgage Payments listed above are based on principal & interest only on a 30yr fixed mortgage and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR based on a 740 credit score as of June 2, 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 terms are subject to change without notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ, NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35286 Equal Housing Lender.
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BUTLER $284,900$1,105 PER MONTH
3 BR, 1 BA, 1 CAR GAR Ranch4.125/4.234 APR
BUTLER $189,900$736 PER MONTH
2 BR, 1 BA, 1 CAR GAR Ranch4.125/4.281 APR
JEFFERSON TWP.$499,900
$1,938 PER MONTH4 BR, 2.1 BA, 2 CAR GAR Colonial4.125/4.195 APR
LITTLE FALLS $369,700$1,433 PER MONTH
3 BR, 1.1 BA, 1 CAR GARSplitLevel 4.125/4.213 APR
POMPTON PLAINS$169,900
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PEQUANNOCK $232,900$903 PER MONTH
3 BR, 1 BA, 1 CAR GAR ExpandedRanch 4.125/4.255 APR
POMPTON PLAINS$279,900
$1,085 PER MONTH4 BR, 2 BA, 1 CAR GAR Cape Cod4.125/4.236 APR
PEQUANNOCK TWP.$329,900
$1,279 PER MONTH3 BR, 1 BA Cape Cod 4.125/4.222APR
POMPTON PLAINS$2,650/ MONTH
3 BR, 2 BA
PEQUANNOCK TWP$284,500
$1,103 PER MONTH3 BR, 2 BA Expanded Ranch4.125/4.234 APR
POMPTON PLAINS$635,000
$2,499 PER MONTH4 BR, 2.1 BA, 2 CAR GAR Colonial
4.25/4.310 APR
POMPTON PLAINS$1,249,999
$4,774 PER MONTH5 BR, 5.1 BA, 4 CAR GAR Custom
Expanded Ranch4.00/4.038 APR
POMPTON LAKES$459,900
$1,783 PER MONTH5 BR, 3.1 BA, 3 CAR GAR Colonial
4.125/4.199
TOTOWA $334,500$1,297 PER MONTH
3 BR, 2 BA, 2 CAR GAR ExpandedRanch 4.125/4.221 APR
WANAQUE $319,000$1,237 PER MONTH
4 BR, 1.2 BA, 2 CAR GAR Custom4.125/4.224 APR
WAYNE $264,900$1,027 PER MONTH
3 BR, 1 BA, 1 CAR GAR ExpandedRanch 4.125/4.241 APR
POMPTON PLAINS$289,900
$1,124 PER MONTH4 BR, 1 BA, 2 CAR GAR Cape Cod4.125/4.233 APR
LINCOLN PARK$1,750/ MONTH
3 BR, 2 BA
POMPTON LAKES$2,100/ MONTH
2 BR, 2.1 BA
POMPTON PLAINS$2,300/ MONTH
3 BR,1.1 BA
WEST MILFORD $539,900$2,093 PER MONTH
4 BR, 2.2 BA, 2 CAR GAR Colonial4.125/4.191APR
142 Route 23 North, Pompton Plains, NJ 07444 (973) 686-1500 (800) 950-5021
RENT
AL
RENT
AL
RENT
AL
RENT
AL
Real estate investing for beginners
continued on page 24
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resume. Doing so
might just separateyou from your fellow
students, and that
can only help as you
begin your search for
an internship.
Ask around
among friends and
family members.
Sometimes you need
a little help to land a
good internship, so
dont be afraid to askyour friends and fam-
ily members if theyre
aware of any opportu-
nities. Adult relatives
might be aware of
internship opportunities at
their companies before the
general public, and theres no
shame in seeking help as you
try to take the first step
toward a rewarding career. In
addition to friends and familymembers, inquire about your
college or universitys alumni
network. Many alumni look
to hire students from their
universities for internships or
even entry-level positions, so
make the most of this poten-
tially valuable resource.
can cut into an investors prof-
its. Investors who dont bringany relevant expertise to the
table can still make a profit
from their real estate invest-
ments, but those profits likely
wont be as significant when
outside companies must be
hired to ensure the property is
in good shape and all neces-
sary documents are in order
and up-to-date.
Time
Real estate is often atime-consuming investment.
Tenants pay good money to
live in attractive rental prop-
erties, and those tenants will
have a host of needs that must
be met. Investors must be sure
they have the time to address
their tenants concerns, espe-
cially investors with no plans
to hire property management
firms. Potential investors who
already have full plates atwork and at home may not be
able to devote the time neces-
sary to make the most of their
real estate investments, andtherefore might be better off
finding another way to invest
their money.
Time also must be con-
sidered when considering
profits. Real estate is not the
type of investment that turns
a profit overnight. Even
investors who are looking to
invest in an up-and-coming
neighborhood must be pre-
pared to hold onto their prop-erties for at least a few years, if
not much longer, to maximize
their investments. Though
real estate is a sound invest-
ment, it is not a get rich quick
type of investment, so
investors looking to make a
quick buck should consider
alternatives before buying
investment properties.
Size
First-time real estateinvestors might be wise to
choose a smaller property for
their initial investment.
Larger properties can be over-whelming to manage, and
investors often rely on proper-
ty management firms to tend
to these properties. Such firms
charge more to manage bigger
properties, which can eat into
investors finances. Veteran
investors can handle such
overhead costs, but first-
timers might find themselves
caught off guard upon realiz-
ing the gravity of their finan-cial commitment. A good rule
of thumb for first-time
investors is to stick to smaller
properties, only moving on to
larger buildings once they are
fully comfortable with all that
comes with investing in real
estate.
Costs
The cost of a real estate
investment goes beyond the
purchase price of the home. Inaddition to the mortgage on
the property, investors must
pay the taxes and insurance
on the property, as well as anycosts associated with main-
taining and managing the
property. Certain tax breaks
are available to real estate
investors depending on where
they live. For example, in the
United States, taxes on the
profits when a property is sold
may be deferred if those prof-
its are immediately rolled into
another property (such a
deferment is only available tothose investors who arrange
this exchange prior to selling
the initial property). Potential
investors need to consider all
of these costs, and might want
to hire a real estate lawyer to
help them make the most of
their investments and any
profits they yield. But even
hiring an attorney is an addi-
tional cost investors must
consider before investing.
Enjoy the lifestyle you deserve with a REVERSE MORTGAGE loan. If youre a homeowner age 62 orolder, you can maintain the privacy and security of home ownership. Protect your estate and live your
golden years in the quality an