221657_1410508399Sept 17 2014 Z2 LR
Transcript of 221657_1410508399Sept 17 2014 Z2 LR
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Early fall is a great time of
year to make improve-ments inside and outside
of your home, but you dont have
to do it all alone. The dedicated
staff at Seelas Paint in Wayne is
eager to help you every step of
the way. The family-owned busi-
ness has always been known for
providing advice and personal
attention to each customers
home improvement project.
In fact, it was 60 years ago
when Al Seela founded his busi-ness on the principle that Paint
without advice is worth only half
the price. Since then, Als son
Bob and grandchildren Jamie
and Jeff have continued to grow
the business, developing a repu-
tation for quality products, fairprices and a knowledgeable staff.
Seelas proudly sells paint
from Benjamin Moore, an
award-winning New Jersey-based
paint company, popular for its
high-end quality and sustainable
product lines. The store also sells
window fashions from Hunter
Douglas, the industrys leading
manufacturer of custom window
fashions.
But even as business andproduct offerings expand, the
Seela family always makes it a
priority to provide personal
attention and professional
advice to its customers. The
friendly store team is expertly
skilled at helping you pick just
the right color to make your
home have that personal touch.
Our staff strives to make
sure that our customers find the
right color and the right prod-ucts to complete their projects,
even beyond their own expecta-
tions, said owner Bob Seela.
They are so committed to
helping homeowners put the fin-
ishing touches on their projects
that they even have their own
window treatment specialist.
Pam offers in-home con-
sultations. She has a great eye for
getting your windows just right,
Seela said.In addition to paint, the
store has a full selection of wall-
paper books for you to browse
and find the exact patterns, tex-
Seelas Paint helps
homeowners every
step of the way
Proverbs 3:5,6 God Bless AmericaRecycled Paper from 30% Post Consumer Waste
September 17, 2014
Zone 2, Vol. 12, No. 18
We are a Family, Friendly Publication
continued on page 19
Happy
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NOTE: To have your groups announce-ment appear in Community Happenings,please e-mail your paragraph to calen-
SEPT 20
The Montville United Methodist Church29 Whitehall Rd (Route 202) Towaco, NJ
will be holding a gently used clothing and
household goods sale on Saturday,September 20, 2014 from 8:30-12:30.We have a large selection of clothing sizes
and household items to choose from. The
proceeds from this sale go to help localfamilies in need. For further informationand directions call 973-334-3924.
SEPT 21
Huge garage sale! To benefit theMontville Animal Shelter sponsored byMontville Pet Parents 86 River Rd,
Montville (the old shelter, behind the Bd.
of Education). Sale is on SaturdaySeptember 20 from 9am-4pm and
Sunday September 21 from 9am-4pm.Household items, kids stuff, furniture,knicknacks, pet items and more! Formore info: [email protected] call 973-727-9959.
SEPT 24
Chess Club on Wednesday, September
24 from 4:30-5:30pm. Make new friends
over a game of chess at the Lincoln ParkLibrary! Light instruction will be provid-ed, but kids should have a basic under-standing of the game to attend. Grades2+. Please register for this program bycalling 973-694-8283 or [email protected].
SEPT 25
Afternoon Book Club at The Lincoln ParkLibrary will be meeting on Thursday,September 25 at 1pm. Please contact
Rachel Burt with any questions, at 973-694-8283 or rachel.burt@lincolnparkli-
brary.org.
SEPT 26
The Lincoln Park Library will be screen-ing Muppets Most Wanted (PG, 107 min)on Friday, September 26 from 4:30-6:15pm.For all ages. Bring a friend and
visit our website at www.lifeandleisurenj.com September 17, 2014Page 2, Zone 2
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visit our website at www.lifeandleisurenj.com September 17, 2014Page 4, Zone 2
Nobody wants to pay
premiums for a bene-
fit they will never
realize. Nobody enjoys speak-
ing to a life insurance agent.
Nobody wants to talk about
their own demise. Nobody
wants to plan for their owndeath. Woody Allen, the
famous movie actor, producer,
director says that he isnt
afraid of death; he just doesnt
want to be there when it hap-
pens. In one of his older
movies, there is a torture
scene where he places the vic-
tim in an underground bomb
shelter and the audience
watches as a life insurance
salesman, briefcase in hand,walks down into the pit to
conduct a tortuous presenta-
tion about life insurance.
The Gallop organization
once conducted a poll asking
people which occupation
would you wish your daugh-
ters intended husband to be a
member of. The number one
answer was Clergy; at the
bottom of the list was, Used
Car Salesman. But, rightabove the bottom of the barrel
was, Life Insurance Agent.
FYI Doctor was listed as
number 2, but, after the
advent of Obamacare, the poll
if conducted today, Im confi-
dent that Doctor would fall
heavily in the rankings and
Life Insurance Agent would
rise close to the top! Let me
explain
Lets be honest with our-selves, who wouldnt be
enthusiastic when scanning
the obituaries to see that
when a certain person on the
list, named you as one of their
beneficiaries! In the Ameri-
can lexicon is a phrase, who
died and left you a fortune? It
was Ben Franklin who said
that nothing in life is certain
except for death and taxes. Of
course, when he said thosewords he was unaware that
this great nation would
impose a tax at death, first ini-
tiated as a temporary measure
to help pay for the War of
1812, later re-imposed to pay
for WWI and then left perma-
nently in place to this day,
though modified from time totime.
The Presbyterian Min-
isters, in colonial times, decid-
ed that it was too expensive
for the church to
care for their fami-
lies when they died
so they instituted a
program of making
payments into a
kettle from their
pay each period tofund a death bene-
fit for that purpose.
The older the min-
ister, the higher
the contribution as
they were closer to
the end of their
life, hence, annual
renewable term
life insurance was
born. Years later, a
German fellowrealized that there
was much more
money in the ket-
tle than was actually needed
to pay all of the death bene-
fits, so he redesigned the pro-
gram to allow the insureds to
borrow, with interest paid
back to the kettle (and kettle
management), an advance
against their eventual death
benefit. If the insured diedbefore the loan was paid back,
it was deducted from the pay-
out. The idea was so success-
ful that the company decided
to allow others in to their
Society of insureds with a
name change to the Widows
and Orphans Friendly
Society in Newark, NJ,
which later in 1877, became
the company we know today
as Prudential.Other companies and
societies followed suit, some
fraternal, some mutual and
others as stock companies
designed to make a profit for
their members, policy holders,
or stockholders as the case
may be, leading to the wealth-
iest industry in the UnitedStates and the entire world.
Along the way, these
powerhouse companies have
been financially protecting
families and businesses for
centuries now, yet, and Im
still embarrassed to say this,
life insurance continues to be
the most bought yet least
understood product in our
nation, bar none! Further, no
other product has evolved to
offer so much more opportuni-ty and improvement from its
inception and original design
than life insurance. Not even
the computer or telephone
can match the advancements
in scope, benefits and design
enhancements that life insur-
ance has enjoyed. In other
simplified words, life insur-
ance isnt just for dying any-
more! Today, in addition to
what you already know aboutlife insurance it can also: pay
for college for your kids and
pay for your own retirement
income needs, at the same
time - tax-free! It can pay for
long-term care, at a nursing
home or in your own home. It
can pay you if you have cancer
or a heart attack and do notdie! It can pay for itself if you
cannot make the payments
because of a disability.
The cash values rate of
return today, can be based on
the positive movement of a
stock market index of your
choice including the: S+P 500
or DJIA, Europes Eurostoxx,
the Chinese Hang Seng, the
Japanese Nikkei or a fixed
guaranteed interest rate if
more appropriate when inter-est rates are higher than today.
The policy owner can change
the strategy annually. No
more substandard returns! In
fact, life insurance policies of
current design must be viewed
as an investment class in addi-
tion to death benefit protec-
tion. Not to do so could prove
detrimental to your financial
health!
However, in all of thehoopla stated above, there is
a barrier of entry into the
world of life insurance and
that my friends is called
underwriting. Alas, there is a
gatekeeper and this colum-
nist, a diabetic, who four
years ago suffered a quintuple
bypass, doesnt possess thecombination to their lock.
What I am stressing is your
insurability must be counted
amongst your greatest assets!
To ignore your
insurability might
prove to be a
grave mistake. To
prevent this
tragedy in my
family, Ive locked
in my young chil-drens insurability
by securing poli-
cies for them
before their 9th
birthdays! Thats
right and the best
part is that all pre-
miums were fin-
ished being paid
in only five years!
Under current
assumptions, theywill enjoy millions
of dollars in tax-
free income
throughout their retirement
years and still pass on mil-
lions more to my yet unborn
grandchildren.
Yes, September is Life
Insurance Awareness Month
and Im sure your personal
life insurance awareness
needs improvement. If notfor you, for your children and
theirs. I cannot stress enough
the importance of getting a
new fresh look at this indus-
try and your current policies
to see what may be done to
improve your insurance
financial picture regardless of
your age. Let me add that
though I myself am uninsur-
able, I still enjoy the tax
advantaged accumulationbenefits with tax-free access
to the cash values of life
insurance on older policies
purchased before my heart
surgery and newer policiespurchased after my surgery
even though Im uninsurable.
Its important to learn
the secrets of how to:
Maximize your income today
while preserving, protecting
and perpetuating your wealth
for tomorrow. To that end I
pledge my support; all you
need is to ask me for a no
obligation no cost appoint-
ment to see how life insur-ance and the entire financial,
retirement and estate plan-
ning process can best benefit
your personal situation. Call
today and Ill explain how I
picked the underwriters
lock!
Mark E. Charnet is President
and Founder of American Pros-
perity Group. APG is the Pre-
mier Retirement and EstatePlanning Franchise in the Unit-
ed States with 21 offices in 10
states. Mr. Charnet is a Certi-
fied Annuity Specialist with 33
years of experience in the Retire-
ment and Estate Planning fields.
Creator of the Trinity Method of
Investing, Mark encourages
your inquiries and can be
reached at: 877-885-1APG or
973-831-4424 or via email,
[email protected] out our website:
www.1APG.com Interested in
a new career? Check out:
www.APGFranchise.com Secu-
rities through: United Planners
Financial Services, A Limited
Partnership, Member SIPC,
FINRA and a Registered Invest-
ment Advisor. APG is conve-
niently located at 901 Rt. 23
South 2nd floor Pompton
Plains, NJ (above theLakeland Bank).
September is National Life Insurance Awareness Month Does this mean anything to you?By Mark Charnet
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visit our website at www.lifeandleisurenj.comSeptember 17, 2014 Zone 2, Page 7
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Aspecial Promotion
Night was recently
held for black belt
graduates of Portas Karate
and Kobudo Academy of
Pompton Lakes and Wayne.
Along with advanced black
belt degree awards, several
students were also presented
with their first black belts.
With members of their fami-
lies, friends and local digni-
taries in attendance, each stu-
dent received a new black
belt and a certificate of rank
from Okinawa, Japan official-
ly registering their promo-
tion with the Okinawan
Shobukan Karate-Do Assoc-
iation and the All Okinawan
Portas Karate students receive
black belt degrees
MOVINUP! Portas Karate and KobudoAcademy students awarded Black Beltdegrees in OkinawanShobukan Karate-Do. Pictured leftto right front row areAlex Leshinsky, Steve Vogt and P.J. Genberg. Back
row are Paul Markoweic, Stephen Leavy, Sensei John Porta, Dennis Horvath andMichael Benetatos.
visit our website at www.lifeandleisurenj.comSeptember 17, 2014 Zone 2, Page 9
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Alack of basic inter-
nal controls can
leave your company
vulnerable to pilferage,
embezzlement, and other
types of misappropriation.
Small firms generally
cant afford to hire internal
auditors or set up separate
divisions to break up duties.
But even smaller companies
can establish controls in cer-
tain high-risk areas, such as
the following:
Cash disbursements. If
at all possible, the
owner/manager should sign
checks. This control has a
dual purpose: management
sees how the company is
spending its money, and the
cash disbursement function
is kept separate from book-
keeping or accounting. If the
same person signs checks and
enters disbursement transac-
tions in the accounting
records, embezzlement is
harder to prevent. Requiring
two signatures on checks
above a certain amount also
provides greater control.
Customer collections.
Consider having the
owner/manager open the
mail, especially if customer
collections are a regular part
of your business.
Alternatively, you might ask
someone separate from the
Your small business should establish internal controls
visit our website at www.lifeandleisurenj.com September 17, 2014Page 10, Zone 2
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accounting function to open
the mail and prepare the
deposit slip. Of course, the
practice of making daily
deposits is also a good con-
trol.
Personnel practices. By
taking care to perform back-
ground checks before hiring
key employees, especially
those who will be handling
cash or other high-risk assets,
you can prevent problems
later on. Of course, financial
pressures, addictions, and
other factors can corrupt
even good employees.
Perhaps a small busi-
nesss greatest control is the
tone at the top. If manage-
ment sets a high standard,
employees generally follow.
However, if a manager is per-
ceived as lax for example,
he or she doesnt respond
quickly when evidence of
misappropriation surfaces
employees might conclude
that theft isnt such a big
deal.
visit our website at www.lifeandleisurenj.comSeptember 17, 2014 Zone 2, Page 11
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Your small business should establish internal controls
continued from previous page
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Pet owners go to great
lengths to treat their pets
like members of the fam-
ily. The days of dog houses in
the backyard are largely a thing
of the past, and many pet own-
ers are more careful about what
they feed their four-legged
friends, placing a greater
emphasis on a nutritious diet
that promotes pet health.
Being a proactive pet
owner also means taking pre-
ventive measures to protect
your pets. This includes learn-
ing about rabies, which can
also help protect members of
your household and your com-
munity. Pet owners who learn
about rabies, including its
causes and symptoms, are bet-
ter equipped to recognize a
rabid animal, and will know to
keep their pets and their chil-
dren indoors until its safe to
go outside.
Rabies is an infectious dis-
ease that can spread from ani-
mals to humans. When an ani-
mal has rabies, the virus travels
through the nerves inside the
brain, where it reproduces and
then travels back through the
nerves to most parts of the
body, including the salivary
glands. When the rabies virus
reaches the salivary glands,
brain damage has likely
occurred and the virus has
infected the saliva, where it can
enter a persons body through a
bite or broken skin.
Humans who contracted
the rabies virus in the past did
so after being bitten by a dog.
However, the Centers for
Disease Control and Preven-
tion note that more and more
causes of human rabies have
been linked to bats and rac-
coons. The Canadian Centre
for Occupational Health and
Safety notes that among
domestic animals, dogs account
for between two and six per-
cent of rabies infections, while
cats are responsible for between
one and two-and-a-half per-
cent of rabies cases. Thanks in
large part to the rabies vaccina-
tion, there have not been any
reports of rabies caused by dog
bites in the U.S. in years.
Rabies can appear in ani-
mals in various ways. When an
animal has furious rabies, it will
change behavior, grow restless,
wander aimlessly and bite any
animals, people or objects that
get in its way before eventually
becoming paralyzed in its
throat and hind legs. Once that
occurs, the animal will most
likely die.
Some animals with rabies,
however, will not become vio-
lent. These animals will change
their behavior, which may
become withdrawn or more
affectionate. Animals may try
to hide and will find it difficult
to swallow. Their behavior will
not become violent, and they
are likely to die after a few days.
The CCOHS notes that cats
infected with the rabies virus
typically become extremely
vicious, while dogs also become
excitable and may become
vicious and bite for no reason.
Though rare, human
beings can be infected with the
rabies virus. Drooling, convul-
sions, exaggerated sensations or
pain at the bite site, loss of feel-
ing in an area of the body, loss
of muscle function and difficul-
ty swallowing are a few of the
symptoms humans may exhibit
when infected with the rabies
virus.
Should humans or their
pets be bitten by an animal,
they should try to gather as
much information as
possible about the biter
and contact animal
control so the animal
can be safely captured
to determine if it has rabies. If
there is a risk of rabies, humans
will be given a series of doses of
a preventive vaccine and a
treatment called human rabies
immunoglobulin, or HRIG,
which is administered the day
the bite occurred. Vets will
often quarantine a bitten pet
that has received the rabies
vaccine prior just to monitor
behavior and be safe.
If you are bitten by an
animal, report the incident
right away and contact your
physician immediately. Its
also good to do so if you
havent been bitten but were
exposed to a bat, fox or skunk,
all of which can carry the
rabies virus.
Incidences of rabies have
dropped dramatically in
recent years, but pet owners
should still take a proactive
and preventive approach to
protect themselves, their
loved ones and their pets.
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 quali-
ty and compassionate care for
pets in the community. The Pe-
quannock Animal Hospital is lo-
cated at 591 Newark Pompton
Turnpike in Pompton Plains.
You can reach the hospital by
calling 973-616-0400.
Brought to you by Dr. Matthew Krupnick,
the owner of Pequannock Animal Hospital
Recognizing rabies in animals
visit our website at www.lifeandleisurenj.com September 17, 2014Page 12, Zone 2
Dr. Matthew Krupnick, D.V.M.
591 Newark Pompton Tpke.(near Friendly's)
Pompton Plains, NJ
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Karate-Do Association,
which are the founding and
governing organizations.
Presentations were made
by Sensei John Porta, founder
and chief instructor of Portas
Karate and Kobudo Academy
and the senior United States
representative of the
Okinawan Shobukan Karate-
Do Association. The gradu-
ates upon receiving their new
black belts degrees were given
an invitation to participate
and demonstrate with Sensei
Porta and other academy
black belt members at the
future World Karate Festival
that will be held in Okinawa.
Portas Karate &
Kobudo Academy chief
instructor is Sensei John
Porta, 9th degree black belt,
master instructor. For addi-
tional information call 973-
835-5473 or visit www.por-
taskarate.org-facebook.coml-
portasacademy.
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use only. Please consult with
us or your own tax professional
before applying this general in-
formation to your
specific situation.
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Your small business should establish internal controls
continued from page 11
Portas Karate students receive black belt degrees
continued from page 9
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8/11/2019 221657_1410508399Sept 17 2014 Z2 LR
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The cool, crisp days
of autumn will soon
arrive. As fall
foliage creates a colorful
display and kids frolic in
leaf piles on the lawn, you
may want to pay some mind
to a few lesser known facts
about this beloved time of
year. Autumn may call to
mind Halloween and the
return of school, but there
are other factors that make
this season unique.
1. The first day of autumn is
known as the autumnal equi-
nox. On this day, the number
of hours of daylight and dark-
ness are equal. This is because
the sun is aligned with the cen-
ter of the Earth between the
north and south of the planet.
The other equinox occurs in
the spring, which arrives in the
third week of March in the
Northern hemisphere.
2. In Greek mythology, autumn
was a time when Persephone,
the daughter of Demeter, was
abducted by Hades, the god-
king of the underworld. During
this time, Demeter, the goddess
of the harvest, was distraught
and the ground grew sparse and
cold. When Persephone
returned in the springtime,
plants and life bloomed anew
because of Demeters happi-
ness.
3. Those who live closest to the
equator, which is the center of
the planet, never experience
the season of autumn. Around
the equator, the temperature
remains consistently warm.
4. Yellow, orange and varia-
tions thereof always reside in
the pigmentation of tree
leaves, but they are just
overpowered by the abun-
dance of green from the
chlorophyll in the leaves.
Come autumn, however,
when the sun weakens and
days grow shorter, the
amount of chlorophyll in
leaves diminishes, allowing
the other pigments in the
leaves to show through.
5. Red and purple leaves are
actually caused by the presence
of sugars from sap that is
trapped inside of the leaves.
6. Fall is a peak migration time
for many species of birds.
During autumn, birds will fly to
other areas as they seek more
hospitable climates. The Arctic
tern journeys about 11,000
miles each way for its annual
migration. That is like going all
the way across the United
States about three and a half
times
Circa 1994. Forrest
Gump is without a
doubt one of my
favorite movies. I have seen it
a hundred times and yet still
enjoy it. Forrest was a simple
man whose nave nature led
him to make wise observa-
tions. One of my favorite
scenes is when Forrest and
Lieutenant Dan are in the
hospital. In a fit of anger Lt.
Dan, whose legs were both
amputated, pulls Forrest down
on the floor. Forrest had saved
Lt. Dans life when he was
wounded, but Lt. Dan insisted
he was supposed to die on the
battlefield just like the rest of
the men in his family had
done in previous wars.
Because Forrest saved him he
believed that he was robbed of
his destiny. He ends by telling
Forrest, Look at me. I use to
be Lt. Dan Taylor. Upon
hearing this Forrest looks at
Lt. Dan and makes a powerful
statement when he says, You
still are Lt. Dan.
When your identity is
wrapped up in what others tell
you who you are and what
your destiny is to be it is a
dangerous slippery slope. Lt.
Dan had a legacy of battlefield
deaths that he believed he had
to live up to. The reality is
that the words of a simple man
were needed for that legacy to
be re-written.
Think about it
There is the destiny we all
believe we have and then there
is the true destiny we will all
realize. The challenge is that
too often we listen to others
and get wrapped up in their
visions for us so that we lose our
way. There is another road that
we should be traveling but we
cant locate it because someone
else created the map! What
about you? Remember, you are
still Lt. Dan.
Joe Pellegrino is an author,
speaker and consultant for Not
Just An Average Joe, LLC.
Have thoughts of your own?
Send them to joe@notjus-
tanaveragejoe.com. 2014 Not
Just An Average Joe, LLC.
Lieutenant DanPicture this
by Joe Pellegrino
visit our website at www.lifeandleisurenj.com September 17, 2014Page 14, Zone 2
12 fun facts about autumn
continued on page 16
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7. Contrary to popular belief,
squirrels who have spent the
entire autumn collecting
acorns and other foods do not
hibernate for the winter.
Rather, they spend the majori-
ty of their time in nests they
built to shelter them from
harsh weather. When squirrels
do come out in winter, they are
usually tunneling under the
snow to find the food they
buried during the fall.
8. Several cultures have
ancient traditions that coincide
with autumn. For example, the
Chinese celebrate the Moon
Festival to give thanks for a
successful summer harvest.
9. Halloween is a large part of
autumn. The concept of wear-
ing masks and costumes hails
from ancient Celtic tradition.
The Celts believed ghosts
roamed on Halloween, and
people wore disguises to hide
from the spirits.
10. Youre bound to see pump-
kins as part of autumn decor.
The pumpkin was first named
by the Greeks. They called this
edible orange item pepon,
which means large melon.
11. Evergreen trees will not
lose their leaves like deciduous
trees. Their leaves, also called
needles, are covered with a
thick wax. This wax protects
the inner components of the
needles, preventing them from
freezing.
12. Autumn also signals anoth-
er colorful spectacle apart from
the tree leaves. The aurora
borealis, also known as the
Northern Lights, tends to be
visible this time of year. This is
because geomagnetic storms
are about twice as likely to
occur during the fall thanks to
cool evening weather.
visit our website at www.lifeandleisurenj.com September 17, 2014Page 16, Zone 2
We Offer: Arts & Crafts Music with Piano Physical Education Spanish SRA Readiness Program Phonics Program
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12 fun facts about autumn
continued from page 14
i it b it t lif dl i jSeptember 17 2014 Zone 2 Page 17
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visit our website at www.lifeandleisurenj.comSeptember 17, 2014 Zone 2, Page 17
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visit our website at www lifeandleisurenj com September 17, 2014Page 18, Zone 2
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After a few months of
blue skies and warm
temperatures, sum-
mer revelers will soon bid
adieu to the sultry days of
this beloved season. Summer
is often a season filled with
vacations and recreation, but
as the warm days dwindle
and work and school com-
mitments begin anew, there
is additional work to be done
in preparation for the
months ahead.
Stock up on pool equip-
ment. Homeowners who
have pools can take advan-
tage of end-of-season sales to
purchase a few more gallons
of pool chlorine or other pool
equipment. Store them after
you have winterized the pool,
and you will be ahead of the
game in terms of supplies for
next year.
Plan your garden har-
vest. If you have a backyard
garden, pick your tomatoes
and other vegetables before
the weather starts to get
chilly. Herbs can be
washed and frozen in zip-
per-top baggies so they
can be used when cook-
ing over the next several
months. Boil tomatoes
for sauce and freeze or jar
them. Begin to clear out
residual stems and plant
debris from the garden.
Clean patios and
furniture. Scrub and hose
down outdoor furniture,
cushions and living areas.
Clean and dry items before
storing them for the winter,
so everything is ready to go
when the warm weather
returns next year.
Purchase spring bulbs.
Buy bulbs for spring-bloom-
ing flowers and map out
where they will be planted
for beautiful flowers next
year. Wait until temperatures
start to dip before planting
the bulbs, otherwise they
may begin to produce shoots
prematurely, zapping the
bulbs of energy.
Check the heating sys-
tem. Although turning on
the heat may be the last
thing youre thinking about,
its a good idea to test it and,
if necessary, have the system
serviced prior to the arrival
of cold weather.
Tend to the deck and
other repairs. Make repairs to
outdoor structures now, and
theyll be more likely to sur-
vive the harsh weather thats
just over the horizon. Apply
stain or sealant to further
protect wood structures in
advance of snow and ice.
Examine the roof and
chimney. Winter is a poor
time to learn you have miss-
ing roof shingles or a leak.
Furthermore, ensure the
chimney and venting to the
outdoors is not obstructed by
abandoned animal nests.
Check your closets. Go
through clothing and remove
any items that are damaged
or no longer fit, donating
them if possible. Clean out
kids closets as well, as pants
that fit perfectly in May will
not necessarily fit come
September.
Stock the shed. Once
the weather has cooled
down, move outdoor flower
pots, hoses and lawn orna-
ments you no longer need
into the shed or garage while
ensuring items needed in fall
and winter, such as rakes,
snow shovels and snow blow-
ers, are more accessible.
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tures and colors youve been
looking for. The staff will
even help you coordinate
with all your accessories.
It is not uncommon to
see customers walking in car-
rying pillows, tiles and cabi-
net doors to help find their
perfect color, said Seela.
We can match paint and
stain by computer and by
eye.
And after finding the
perfect color, the staff will
even save your selection into
a computer database so that
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about remembering it when
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For your next home
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visit our website at www.lifeandleisurenj.comSeptember 17, 2014 Zone 2, Page 21
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Registration begins at 10:30am. Tee-Off
is 12:30pm. Shotgun start. 19th Holecocktails will start at 5pm and sit downdinner is at 5:30pm. A Hole in Oneprize of $25,000, longest drive and clos-est to the pin contests. Special raffle: aweek of your choice in Myrtle Beach, S.C.Drawing: October 16, 2014. Cost perplayer is $150.00 including lunch, dinner
and on-course beverages, greens fees,cart and gift bags. For information andreservations please call Holy Spirit Schoolat 973-835-5680 or 973-694-0938.
OCT 25
The First Reformed Church of LincolnPark Fall Harvest Fair is scheduled forOctober 25 from 10am-4pm. Local craftspersons and vendors will be displayingand selling their goods. An old fashionedbake sale with lots of homemade goodieswill be available. If you would like to bea part of the sales floor, space may bereserved to show your handmade crafts
or other goods or services. Contact the
church office at 973-694-4336 or see ourweb page frc-lpnj.org for an applicationand more information. First ReformedChurch is located at 60 Chapel Hill Road inLincoln Park. Hope to see you all there.
NOV 12
Pequannock UNICO will be hosting a bustrip to Mt. Airy Lodge & Casino Resort onWednesday, November 12. Ticket price is$29 per person. For reservations or infor-mation please call Joe Carabello at973-
835-0208 or Joan Deodato at 973-696-3799. Please note: final payment is due
October 12.
Around the
Community...
Pequannock UNICO trip to WoodlochPines Resort from Wednesday, October 22
to Friday, October 24. Reservations forthis unique resort are booked a year inadvance. Due to unexpected circum-stances, we now have 3 double occupan-cy rooms available, for couples or 2friends to share. The cost is $365.00 perperson. If interested, please call JoeCarabello at 973-835-0208 immediatelyto reserve a room.
The Montville United Methodist NurserySchool 29 Whitehall Road in Towaco isexcited to begin its 36th season by spon-
soring a personal care item drive to ben-efit the Montville Kiwanis Food Pantry.We will be collecting much needed itemssuch as bar soap, shampoo, deodorant,toothpaste and toothbrushes. These itemscan be brought to the school any week-day from 7:30 am-5:30pm during themonth of September. The school is com-mitted to helping others in our communi-ty. For further information call the direc-tor, Renee Gilbert at 973-334-3924.Reading with Romeo on Wednesday,
September 17 from 4:30 5:30pm, allages. Lego Club on Thursday, September
18 from 6:00 7:30pm; Grades 2+.There is no registration required for this
program. African Clay Mask MakingWorkshop on Saturday, September 20from 1-2pm. Ages 5+. Please register forthis program by calling 973-694-8283 ore-mailing [email protected]. Wolves Visit Lincoln Park! on
Monday, September 22 from 7-8pm forall ages. Location: PAL Gym. Tickets are
required for entry to this program andcan be obtained at the Lincoln ParkLibrary. Each ticket costs $1 and a portionof the proceeds will be donated toHowling Woods Farm. Tickets will be
exhaust pipe. Check that thearea is free of leaves, debris and
animal nests. Again, any block-
ages can impede the efficiency
of the unit or cause it to fail.
Thermostat
Very often a furnace may
not turn over because the ther-
mostat is faulty. Many a home-
owner has spent money to have
a service person come out to
examine the furnace, only to
learn they only need a new
thermostat or battery in the
thermostat.
Check the thermostat
against a separate thermometer
to ensure that it is reading the
right temperature in the house.
Raise the setting a few degrees
to test if the heat kicks on.
Fuel
Furnaces are powered by
various energy sources.
Electricity, gas or oil may be
involved in the process. If fuel
is not being delivered to the
furnace, the pilot will not light
and warm the air to be blown
through the house. Some sys-tems have an emergency shut-
off switch that will halt fuel
delivery to the unit. Its easy for
these switches to be flipped
accidentally if a furnace is
located in a high-traffic area.
Make sure the switch is in the
on position before reporting a
problem.
In addition to these steps,
you may want to vacuum the
vent screens around the house.
This will reduce the amount of
dust blown around. Also, if the
furnace exhausts into a flue, be
sure that the exhaust route is
clear so that carbon monoxide
does not back up into the
home.
Many homeowners are
fully capable of inspecting their
furnaces to ensure they are
ready for winter. If anything
seems out of place or malfunc-
tions, consult with an HVAC
professional to make repairs.
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How to inspect your furnace before
winter arrivescontinued from previous page
Community Happenings
continued from page 6
continued on page 22
visit our website at www.lifeandleisurenj.com September 17, 2014Page 22, Zone 2
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available at the Library starting on
September 2.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.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 and
the world around them. If you are doing
fine after the war, thats fantastic but
dont 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 7:309:30pm at Cornerstone Chapel 620Route 23 North, Pompton Plains.The UONJ (United Ostomates of NorthJersey) is an area-wide support group forostomates (people of any age with
potential, new, mature or reversedostomies or continent diversions). We
meet the second Monday of the month atChilton Medical Center, 97 West Parkway,
Pompton Plains, NJ, in the BoardRoom at 7pm. Contact Jo Ann ValentCWOCN for more information 973-831-5168.The Montville Township Womens Clubhas an ongoing project: comfort pillowsfor breast cancer patients. A team of clubmembers, seniors, and volunteers from
surrounding cities participates in this wor-thy project. Call Chairperson Alexandria
Sarra at 973-405-0088 for more infor-mation. All monetary donations, used topurchase polyfill for the pillows, shouldbe made payable to MTWC and shouldindicate Comfort Pillow in the memo.
Please mail checks to P.O. Box 267,Montville, NJ 07045.Mothers & More is a not-for-profitgroup for both stay-at-home and work-ing moms. It features monthly meetings,
playgroups, mom-and-tot outings, mom-night-outs, and much more. Members
are from Wayne and all surroundingtowns. Monthly meetings are the firstMonday of each month (unless a holi-day) at 7:30pm at Our Savior LutheranChurch, 670 Newark Pompton Turnpike,Pompton Plains. Prospective membersare always welcomed. For more informa-tion call 877-221-1581 or e-mail sbot-
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!!!
Recognized by Mortgage Executive magazine as a "Top 1% Mortgage originator" for 2013
973-200-3262 Direct 973-454-5183 Cell 973-200-3231 Fax [email protected]
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 September 8, 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.
Ryan BarryMortgage Banker
NMLS# 183464
BLOOMINGDALE $245,000$950 PER MONTH
4.125/4.249% APRRANCH
3 BR, 2 BA
JEFFERSON $265,000$1,027 PER MONTH
4.125/4.241% APRRANCH
2 BR, 2 BA, 1 CAR GAR
LITTLE FALLS $289,000$1,121 PER MONTH
4.125/4.233% APRCAPE COD
3 BR, 1.1 BA, 1 CAR GAR
LITTLE FALLS $354,700$1,375 PER MONTH
4.125/4.216% APRSPLIT LEVEL
3 Br, 1.1 BA, 1 CAR GAR
LINCOLN PARK $300,000$1,163 PER MONTH
4.125/4.230% APRTownhouse
2 BR, 2.1 BA
LINCOLN PARK $335,000$1,299 PER MONTH
4.125/4.220% APRTOWNHOUSE
2 BR, 2.1 BA, 1 CAR GAR
POMPTON PLAINS $339,000$1,314 PER MONTH
4.125/4.220% APRCAPE COD3 Br, 1 BA
POMPTON LAKES $449,900$1,744 PER MONTH
4.125/4.201% APRCOLONIAL
5 BR, 3.1 BA 3 CAR GAR
POMPTON PLAINS $625,000$2,423 PER MONTH
4.125/4.184% APRCOLONIAL
4 BR, 2.1 BA, 2 CAR
RIVERDALE $649,900$2, 520 PER MONTH
4.125/4.183% APRNEW CONSTRUCTION/COLONIAL!
4 BR, 2.1 BA, 2 CAR GAR
WAYNE $264,900$1,027 PER MONTH
4.125/4.241% APREXPANDED RANCH
3 BR, 1 BA, 1 CAR GAR
WAYNE $479,000$1,857 PER MONTH
4.125/4.197% APRCONDOMINIUM
3 BR, 2.1 BA, 2 CAR GAR
WAYNE $598,900$2,322 PER MONTH
4.125/4.186% APRSPLIT LEVEL
5 BR, 3.1 BA, 2 CAR GAR
WEST MILFORD $199,900$775 PER MONTH
4.125/4.274% APRBI-LEVEL
2 BR, 1 BA, 1 CAR GAR
MOUNT OLIVE $749,900$2,908 PER MONTH
4.125/4.177% APRCUSTOM COLONIAL4 BR, 3.1 BA, 3 CAR
PARSIPPANY $419,900$1,628 PER MONTH
4.125/4.205% APRCUSTOM HOME
4 BR, 2.1 BA
PEQUANNOCK $329,900$1,279 PER MONTH
4.125/4.222% APRCAPE COD3 BR, 1 BA
VERNON $179,900$698 PER MONTH
4.125/4.288% APRRANCH
3 BR, 2 BA, 2 CAR GAR
142 Route 23 North, Pompton Plains, NJ 07444 (973) 686-1500 (800) 950-5021
COLLEEN MC MAHON- 2013 NJAR
Circle of Excellence, Gold- 2013 Centrury 21
Centurion Award- Circle of Excellence, Silver- Masters Emerald Producer
- Quality Service Pinnacle Producer(973) 214-5250 cell
TERE EPISALE- PCBOR Quarter
Century Award, 2013- Circle of Excellence
Lifetime Member, 20+Consecutive Years
- Quality Service PinnacleAward, 2013
(201) 960-9084 cell
Listings Agent for the Month of August Sales Agent for the Month of August
Community Happenings
continued from page 21
visit our website at www.lifeandleisurenj.comSeptember 17, 2014 Zone 2, Page 23
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0051 AUTOMO-
BILES WANTED
WE BUY CARS !
WE BUY TRUCKS !RONNIES INWAYNE
973-616-7900
WE PAY FORJUNK CARS
973-220-0202
0245 FURNITURE
FOR SALEEthan Allen D/R,L/R, Fam. Room
Furniture.Excel. CondCall for Appt
973-628-9660HELP WANTED
0294 RESTAURANT
Ant hony Francos inButler, seeks H/Sstudent (working
papers nec.)to assist with
taking phone orders.Call 973-492-1700
0323 HOMEMAK-
ER/PERS. ASST
Homemaker f/ Fatherw/ special needsson. Fair Lawn.
Call 973-714-1479
SERVICES
0655 CARPET
G&S CarpetCleaning
& Floor ServiceResidential& Commercial973-839-6436
0684 SER.COMM/RESI.CLEAN
Aidas CleaningService
Lincoln Pk, N.J.Home or Office
Experienced, Reliableand Detailed. SpeaksEnglish & PortugueseReference Available
Call 908-764-8966
0685 SERVICES
CLEANING
Mariyas CleaningService
Ukrainian ladies cleanyour home or office to
your completesatisfaction. Exper.
Refs AvailCall 973-557-3621
POLISH GIRL speaksEnglish, experience &with References can
clean your house.Call Anna
201-421-7887
0686 CLEANOUT
SERVICE
All appliances,
unwanted junk, scrapmetal, bldg. materials.Tear down & take
away sheds. Attics &Bsmnt cleaned.
Things yourgarbagemen wontpick up. WE DO!!!
CALL862-200-1283
0725 SERVICES
DRIVEWAYS
0730 SERVICES
ELECTRICAL
0774 SERVICES
HANDYMAN
0785 SER. HOME
IMPROVEMENT
0860 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 doit All. Call Mike973-495-3775
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
NEW & OLD
Construction-Residential& Commercial.
Fully Insured & Bonded
FREE ESTIMATES20%OFF New Customers
CQ ElectricLLC
973-699-0855
DrivewaysParking Areas
New ConstructionAsphalt Work
Sidewalks
973-248-1892call 7 days a week
Owner Operated LicensedFully Insured Free Estimates
CMR SERVICES
973-703-3039Cleanouts &
Dumpster ServicesFully Insured NJ Lic #A901
FREE ESTIMATE
Estates Abandoned PropStorefronts Basements
Whole House Attics
Regain Valuable Storage!We dispose unwanted items in an
environmentally safe way.
10% OFFwith this ad
NORTH JERSEYREMODELERS
973-962-1811
Full Kitchens Bath Specialists
Basements All Interior
Renovations Ceilings to Floors Doors Painting
Windows Counter Tops
Cabinet Refacing General Carpentry
973-632-6411
Maintenance RepairBuilding RemodelingNo Job Too Small or Big!
25 Years Experience
TOM DS HANDYMANSERVICE
Longo Construction
973-838-8693
All Types of Brick, Block,Concrete, Fireplaces,
Foundations etc.
Free Estimate - Fully Insured
Bloomingdale
0774 SERVICES HANDYMAN
TRI-COUNTY
www.mrhandyman.com973-696-9393
Insured & Bonded Member of the BBBNJ Lic. #13VH00608600 NAT-22773-1
Satisfaction Guaranteed!
$25 OFFCannot be combined w/any o ther offer. 1 per household. Exp. 10/15/14.
Get Your
To-Do-List Done!
REMODELS, REPAIRS,MAINTENANCE & MUCH MORE!
!$ #
"# &!"
" #$$# ( %' #%"
)
" "*
0815 SERVICES MASONRY
R.G. Gutters
973-832-4207
$ " # !
Free Estimates &20% OFF
Gutter Cleaning ForAll New Customers!
ARE YOUR GUTTERS FOWL?
0771 SERVICES-GUTTERS
KevinThe PainterA True Professional
Decorative, Faux &
Textural Finishes, Glazing,Sheetrock, Spackle,Repairs & Power Washing
Interior/ExteriorFully Insured
References available20 years Experience
973-979-8043
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
Stephen FoxPlumbing & Heating
Small Repairs,Alter, Drain Svc.
INSURED BONDED
973-839-1054
Lic.#7467
0826 SERVICES PAINT/POWER WASH
0920 SERVICES TREES
0827 SERVICESPAINTING
0804 SERVICES LAWN CARE
0886 SERVICES ROOFING
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