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It was just over a year ago that

Hurricane Irene hit northern

New Jersey. The rains came

followed by the horrific flooding

ravaging many homes in the

area. Those of you affected by

the flooding know the devasta-tion of losing homes, businesses,

churches and ultimately pre-

cious memories. I can still

remember peoples lives spread

out on their lawns or set at the

curb, including mine. Yet

through this tragedy, there were

so many unaffected that reached

out and helped those in need. I

can still remember the people

that came and assisted our fami-

ly; they will always hold a spe-cial place in our hearts. They

werent thinking of themselves

at that time; they heard a call for

help and responded.

We have since restored our

home and it just recently started

to feel like home where we could

feel comfortable. We were so

grateful this year

that we made it

through the sum-

mer with no hurri-

canes. Who would

have ever thought

at the end ofOctober, only

fourteen months

after Irene, Super

Storm Sandy

would darken our

doorways. If you

were like me, you

were glued to the TV watching

and tracking the storm.

Well, you know the out-

come; our gracious God had

mercy on northern New Jerseyfrom the devastation of flooding.

Yes, we had no power and the

lines for gas were long but He

spared us from what couldve

been horrible. Unfortunately for

Southern New Jersey and New

York City, the storm was cata-

strophic. People lost everything

some even lost their lives. I

was able to visit Brick several

times to help a friend that lost

her year-round home. As I drove

through the streets of purewreckage it was a familiar scene

once again. Memories came

pouring in as I realized there has

to be something more we can do

to give back. I know what a

blessing others were to my fami-

ly in our time of tragedy; now its

our turn to offer it back.

We will be collecting sup-

plies for our neighbors over

the next several weeks in

hopes of making this devas-

tating time just a bit easier.

As the Holidays are

approaching please considerdonating the following to

touch the lives of those who

lost so much:

Non-perishab le food, toi-

letries, personal hygiene

products, cleaning supplies

and cleaning tools, baby

items (especially diapers), paper

goods, toilet paper, paper towels,

bedding, blankets and yowels,

new underwear only, coats, new

or gently used hats and gloves,food store gift cards, batteries,

over-the-counter medication.

The collection point in our

area will be in Spa 23, located at

381 Route 23, Pompton Plains

Collections will last now

through November 28.

Giving back in the wake of Super Storm Sandy

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November 21, 2012

Zone 3, Vol. 10, No. 22

PRSRTSTD

U.S.POSTAGE

PAID

PHILAPA191

PERMIT6752

Life&Leisure,LLC

234MainStreet,2ndFloor

LincolnPark,NJ07035-1787

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2/32

Note: To have your group's

announcement appear in

Community Happenings,

please e-mail the informationin paragraph format to calen-

[email protected].

Nov 24 and 25

After battling the crowds

this Black Friday, visit the

Ramapo-Bergen Animal

Refuge in Oakland to

de-stress during our Black

Cat Adoption Weekend,

Saturday and SundayNovember 24 and 25. We

have several black cats and

kittens looking for their for-

ever homes. Come to enjoy

their company and you might

just leave with a new friend.

Our weekend hours are

11am-4pm. Please visit

www.rbari.org for more infor-

mation about our organiza-

tion.

Dec 1

Come join the fun!! Have

your picture taken with

Santa, create a craft and lis-

ten to story time with Mrs.

Clause. Saturday, December

1 at the Aaron Decker

School, Decker Ave, Butler.

Tickets are $4.00 per person.

Choose from one of the 2 ses-sions: Session 1: 8:00-9:30am

and Session 2: 10:00-

11:30am. All children must

be accompanied by an adult.

This event is only for stu-

dents and their families from

the Aaron Decker School.

For information contact

Heather Keene 973-838-

0621 or Beth Bauer 973-838-

6765.

Dec 15 and 16

High Mountain Church of

the Nazarene will hold its

Live Nativity on Saturday,

December 15 at 7pm and on

Sunday, December 16 at

6:30pm. This outdoor pro-

duction features live actors,

music, live animals and audi-ence participation in the

singing of Christmas carols.

Children and grown-ups of

all ages are invited to attend.

Children may pet the ani-

mals after the show. Hot

chocolate and other refresh-

ments and snacks will be

served indoors after the per-

formance. Admission is free.

Please try to bring a canned

or dry good item, which wewill donate to Star of Hope

food pantry in Paterson.

High Mountain Church is

located at 681 High

Mountain Road, North

Haledon. For more informa-

tion or directions, call 973-

427-2575.

Around theCommunity

The Butler Recreation

Department will again be

answering letters to Santa.

Any child who puts a letter

in Santa's mailbox in the

Butler library or gives a letter

to Santa at the tree lighting

will receive a handwrittenresponse. All letters must be

received by December 20.

You can also mail your let-

ters, by December16, to

visit our website at www.lifeandleisurenj.com November 21, 2012Page 2, Zone 3

100% mailed twice a month newspaper234 Main Street, 2nd Floor

Lincoln Park, NJ 07035 973.696.8008

Publisher: Joe Pellegrino Editors: Bethanne Pellegrino & Kenneth Nicholas Assistant Editor & Administrative: Jennifer Pellegrino

Multimedia: Joe Pellegrino, Jr. Art Director: Robin Banta Graphics: Mary Lalama

Sales: Lisa Buniewski, George Papendick, Veronica Pluta Classifie ds: 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 onlyadvertisements that appeal to the entire family; the final determination of which is made by the Life & Leisure. Views expressed in Life & Leisure arethose of the respective columnists and writers, and do not necessarily reflect those of the publisher, or Life & Leisure. Advertising is open to anyonedesiring to reach the public and is subject to approval, revision and/or rejection at any time by the publisher. Many of the articles are paid for by theauthor and are in effect advertisements. Publication of any advertisement does not constitute, either implied or inferred, an endorsement of services,products or businesses advertised. 2012 Life & Leisure, LLC. Life & Leisure is a trademarks of Life & Leisure, LLC.

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Presidential elections

are over! Obamacare is

here to stay! Fiscal

Cliff is on the horizon!

Recession rearing! Inflationlooming! Anemic interest

rates linger! Lousy stock mar-

kets persist! Federal deficit

increasing! Short sales and

foreclosures mounting!

Massive unemployment con-

tinues! Hurricane Sandy

aftermath: no power, no

internet, no TV, no phones,

no heat, no school no gas, no

patience, no paychecks, no

fun, no kiddingwow! This

makes me dizzy.

Hurricane winds, earth-quakes, fallen trees and other

bad news got you down? Feel

like you cant get off this

train or merry-go-round ride?

Do you feel like throwing up?

These last few weeks have

been rather grating on the

nerves. Even without power

or a working cable line for

more than 12 days, the head-

lines listed above keep rever-

berating in my head. Over

the course of Sandy, my

smartphone was my only linkto the outside world. The

Charnet world was temporar-

ily one of Monopoly,

Scrabble, Banana-Grams and

Gin Rummy, which replaced

the normal activities of

interactive video gaming

murder and mayhem, DVDs

and homework. After a few

days our family got accus-

tomed to using the bathroom

in the dark, wearing jackets

indoors and spending most of

our time together in oneroom (the one with the fire-

place!). The smell of gasoline

permeated our home, as did

the fumes from the generator.

When my kids pulled up

to the gas pumps, the ques-

tion of cash or credit was

replaced with Fill up your

tank or your gas cans? With

a $40 limit, it was simply one

or the other. And though it

was aggravating and frustrat-

ing waiting for JCP&L and

Optimum to show-up, werealized that we were truly

blessed. With no injuries, no

property loss and a generator

at hand, we were considered

among the fortunate. Those

around us did not possess a

generator, nor did they have

a multitude of licensed chil-

dren to go to the gas pumps

simultaneously to wait three

hours for a drop or two of gas.

As they waited in line, Iwent to the hardware store

for a 25 foot piece of plastic

tubing to siphon our vehicles

if it came to that. A 100-foot

extension cord from Lowe's

cost $89 plus tax and I had to

buy two. When added to the

existing ones, it stretched

1,000 feet around and

through my home.

In NJ, 33 people per-

ished from the east coaststorm of the century named

Sandy. The Jersey shore was

smashed with property losses

in the billions, but more than

that, irreplaceable memen-

tos, pictures, collectibles and

heirlooms, furniture and

entire homes were gone,

swallowed up by the

Atlantic. Most of us in the

Wayne area lost a little time,

a week or two without pay,and saw our blood pressure

rise when waiting on the

power company as well as the

internet provider. But by

comparison to our brethren

south and east of us, we lost

very little. With our focus off

Sandy, we are ready to refo-

cus on the headlines once

again.

Back to the quest of financial

independence:Maximizing our income

today while simultaneously

preserving, protecting and

perpetuating our wealth for

tomorrow! We can return to

the mission of eliminating,

avoiding and deferring

income taxes in addition to

preparing for the effects of the

fiscal cliff brought on by the

elimination of tax reductions,

the increase in income tax

rates and the addition of the

Obamacare tax levies, along

with the mandatory cuts inentitlement and military

spending. Some experts pre-

dict increases in unemploy-

ment, decreases in stock

prices, reductions in credit

availability and more volatili-

ty in both the domestic and

foreign stock markets. As we

have all witnessed firsthand,

regardless of a hurricane or

portfolio planning, the seven

P's prevail: Proper PriorPlanning Prevents Poor

Performance Period! Like

the necessity of an electric

generator, a properly struc-

tured portfolio requires a life-

time income generator. Come

learn how to apply the seven

Ps to your financial life and

portfolio with no charge! Call

me for a no-obligation consul-

tation right now, 24 hours a

day.

Mark E. Charnet is president

and founder of American Pros-

perity Group. APG is the pre-

mier retirement and estate plan-

ning franchise in the U.S. with

18 offices in 10 states. Charnet

is a certified annuity specialist

and has over 30 years of experi-

ence in the retirement and estate

planning fields. Creator of the

Trinity Method of Investing,Charnet encourages your in-

quiries and can be reached at

877-885-1APG (1274) or

973-831-4424, or via e-mail at

[email protected].

Check out the website:

www.1apg.com. Interested in a

career in retirement and estate

planning? Check out this web-

site: www.apgfranchise.com.

Securities through BCG Securi-

ties, Inc. member SIPC,FINRA, and a registered

investment advisor.

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6/32

Why do I

need a

p u b l i c

adjuster? Many peo-

ple assume that the

adjuster assigned to

them from their

insurance company is

their adjuster. This is

a common miscon-

ception of both homeowners

and businesses. The truth ofthe matter is that the adjuster

from the aforementioned

insurance company works

solely for that insurance com-

pany. Their job is to save their

employer as much money as

possible. Hiring a public

adjuster will help you get the

most out of your own insurance

policy.

Bruce Berliner is a

licensed bonded publicadjuster in the State of New

Jersey who has been working in

the insurance industry for over

thirty years. As a professional

adjuster handling your claim,you can expect Bruce to take

care of the following:

Setting up of appointments

and negotiating with the insur-

ance companys adjuster.

Complete analytical review

of your insurance policy (flood,

homeowners, etc.).

Inspection of your property to

examine the scope of your

damage.

Acquisition of emergencyfunds.

Both temporary lodging

(hotel) and food expenses for

you and your family

while your claim is

being settled (if your

claim is under a

homeowners policy).

Assurance that your

settlement will be suf-

ficient to restore your

home or business.

and many more

benefits.

Going through such atime as this, it is understood

how overwhelming dealing

with an insurance claim can

be, especially when you want

to get the most out of your

claim. Bruce Berliner exhibits

his dedication for each of his

clients, making them feel as if

they were his only client.

If you are interested in

contacting Bruce Berliner con-

cerning your insurance claim,he can be reached at 201-674-

2593.

The tooth contains the

pulp (nerve) in thecenter, which is made

up of nerves and blood ves-

sels. It provides feeling, as

well as new cells that repair

the tooth. Diseases of this

area are hidden inside the

tooth, diagnosed by symp-

toms, special tests, and X-

rays. Injury to the pulp can

cause pulpitis, which causes

sensitivity to different

degrees.Injury to the dental pulp

causes changes that build up

over time and destroy the

nerve. Most of the time it is

caused by deep tooth decay

(bacteria), deep fillings,

cracked teeth, broken fillings,

or trauma. If it is a mild injury,

inflammation will occur and

many times the pulp will

repair itself. The tooth will be

sensitive to hot and coldthings, but this should go

away in a short period of time.

If a long-standing injury is left

without treatment, the tooths

pulp will die. Sometimes thepulp dies without any symp-

toms and may only be detect-

ed if the tooth breaks, turns

dark, or shows up on an X-ray.

Reversible pulpitis is

mild inflammation and is

capable of healing when

treated by a dentist.

Symptoms and signs include:

1. Sensitivity to cold, sweets,

and sometimes heat

2. Pain stops in a few seconds3. Pain is short and sharp but

doesnt occur by itself

4. Pain caused by extreme

temperatures, not mild ones

Irreversible pulpitis is

not capable of healing; the

tooths pulp dies and infec-

tion soon follows. Symptoms

include:

1. Lingering pain from hot or

cold

2. Initial sharp pain to coldor hot

3. Pain from mild tempera-

tures

4. A dull ache or throbbing

pain

5. Spontaneous pain that

wakes you up at night or

when you lie down

6. Swollen face

Part 4 of this series will

conclude with diagnosis and

treatment.

Dr. Brusco is a 1980 graduate

of The University of Penn-

sylvania and has been prac-

ticing in Kinnelon since

1982. Dr. Bruscos practice is

located at 170 Kinnelon

Road, Suite 29A in Kin-

nelon. You may reach him bycalling 973-838-5862

or visiting him on the web at

www.drbrusco.com.


Tooth Sensitivty,Part 3 By Peter Brusco D.M.D.

Is there hope and help for floodvictims? The answer is YES

with a public adjuster


7/32


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8/32

Tax planning may seem

too difficult in the

current political and

economic environment. But

reviewing your tax situation

before the end of2012 will

position you to act quickly

when the timing is right.

Some rules that applied

when you prepared your 2011

federal income tax return

have expired, others are

expected to expire at the end

of this year and new provi-

sions are slated to begin in

2013. Here are a few tax

strategies to consider as year-

end 2012 approaches.

Review options for accelerat-

ing income

The idea of paying feder-

al and state income tax early

may make you wince, but hav-

ing a plan in place in case pay-

ing now results in saving later

is still a good idea. One rea-

son: Some methods of pulling

income from 2013 into 2012

require time time you may

not have if you wait until the

last minute.

For instance, say a viable

tax planning strategy involves

taking a payroll bonus from

your business at year-end. You

might choose to do this to

take advantage of the current

reduced rate of 4.2 percent for

the employee portion of social

security tax, which expires on

December 31, 2012. Perhaps

your goal is to lower the

amount of your 2013 income

that will be subject to either

the 3.8 percent or 0.9 percent

Medicare surtaxes taking

effect next year. Or maybe you

want additional earned

income so you can increase

your retirement plan contri-

bution.

Timing matters if youre

thinking of another tax plan-

ning move: distributing a div-

idend from your corporation

this year, while the maximum

tax rate for qualified dividends

is 15 percent.

Retirement accounts also

offer opportunities for acceler-

ating income into 2012. If you

turned 70 this year and you

expect to be subject to higher

taxes in 2013, it may makesense to take your initial

required minimum distribu-

tion by December 31 instead

of waiting until next April.

Remember, too, that you

can withdraw funds without

penalty from traditional IRAs

beginning at age 59-1/2. In

some cases, penalty excep-

tions apply when youre under

age 59-1/2.

Converting your tradi-

tional IRA to a Roth also

increases income in 2012. You

can put this strategy in place

now, because it comes with an

added benefit: you can change

your mind later, even after the

beginning of the year.

Roth conversions pro-

vide future-year tax breaks,

too. Unlike traditional IRAs,

withdrawals from Roth

accounts are not mandatory.

When you do choose to take


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9/32

them, they are not subject to

the new 3.8 percent Medicare

surtax, nor are they included

in figuring the taxable amount

of your social security benefits.

Regular income tax plan-

ning is only one factor in the

decision to increase current-

year income.

The alternative mini-

mum tax (AMT) is another.

The last annual AMT "patch"

expired at the end of 2011 and

youll want to understand your

exposure based on current

rules.

Dont overlook less obvious

income

At this point in 2012,

you have a fairly complete

picture of your income for the

year from sources such as

salary, retirement plan distri-

butions, and dividends. The

total of those, combined with

other predictable income

items, provides a good starting

point for tax planning one

youll want to augment by

thinking about less obvious

additions to income.

An example is taxable

capital gains distributed by

mutual funds. These differ

from the gain you recognize

when you sell mutual fund

shares you own. Capital gain

distributions from funds occur

when a fund manager makes a

profit selling investments the

fund owns. Those gains are

passed to shareholders, and

you generally have no control

over the timing. The distrib-

uted gains are taxable even if

you reinvest them in addition-

al shares, and in some cases

can impact the AMT compu-

tation. Check with your

mutual fund provider before

assuming youve captured all

your income for 2012.

Another potential item

thats easy to overlook: a 2010

Roth conversion. If you opted

to spread the tax over two

years, youll need to include

the second half on your 2012

federal income tax return.

That will increase your

income, which in turn can

affect your marginal tax

bracket, taxable social security

benefits and how much of

your rental real estate activity

losses are deductible. In addi-

tion, your estimated tax pay-

ments or withholding may

need to be adjusted.

Utilize expiring tax breaks

Bonus depreciation,

which lets you write off 50

percent of the cost of assets

purchased in your business,

expires at the end of

December 2012. Review your

asset acquisition schedule to

determine if buying new

equipment this year will gar-

ner a larger tax benefit versus

waiting until 2013.

Robert Sokoloff is a CPA and

the principal with Robert P.

Sokoloff and Associates on

Main Street in Lincoln Park.

He is a QuickBooks certified pro

advisor and his firm specializes

in tax compliance and planning,

IRS representation, business

start-ups and virtual CFO and

bookkeeping services. Robert

can be reached at 973-633-

1001 or

[email protected]. You

can also visit www.cpanewjer-

sey.com. This article is designed

to be for informational use only.

Please consult with us or your

own tax professional before ap-

plying this general information

to your specific situation.


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Tax-cutting time is ticking away

continued from previous page


10/32

Though ceiling fans

are mostly associated

with warm-weather

seasons, most can be effec-

tive throughout the winter

months as well, helping cir-

culate warm air throughout a

room in much the same way

they circulate cool air during

the warmer weather. Most of

todays fans have a switch

near the motor housing that

alters the direction in which

the fans blades turn. When a

ceiling fan is used in the

summer, its blades push the

air downward, moving cool

air around the room. The air

blowing around the room is

what cools people within the

room. When the blades

direction is altered, the

blades then push the air

upward toward the ceiling.

This drives the hot air, which

typically rises to the top,

down toward the edges of the

room. This helps circulate

warm air throughout a room,

making for more even heat-

ing. Whats more, this

improved heat circulation

helps combat window sweat-

ing that results from conden-

sation on the glass when hot

air is not effectively circulat-

ed throughout a home.


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12/32

Theres another great

debate about the

feline as a pet besides

the declawing issue. This

great debate concerns allow-

ing the feline to roam out-

doors versus living indoors.

Should you allow your cat to

roam outdoors? Lets find out.

Outdoor Felines

Cats are essentially wild

creatures, and they have

always loved the outdoors.

What feline owner hasnt

watched his cat loll in a

patch of sunshine on a winter

day, or roll content-

edly in the dirt in its

own backyard? Cats

do love the sun-

shine, the outdoors,

and the fresh air.

However, outdoor

cats are susceptible

to more diseases,

more injuries, and

more health prob-

lems.

Outdoor cats

may tussle with

other cats, catch

parasites or other

diseases, or be hit by

a car or caught by

other predators. They can

also be poisoned by pesti-

cides, antifreeze left unat-

tended, or other toxins. They

can cause problems with

neighbors by using their

yards as a cat box. Outdoor

cats simply arent as safe as

indoor cats.

Indoor Felines

Indoor cats live longer,

healthier lives. Studies prove

it and common sense dictates

it. Indoor cats have many

advantages outdoor cats cant

hope to have. Outdoor cats

live on an average of 3 to 5

years, while indoor cats live

an average of 12 years

or more. My last indoor

cats lived to be 19 and

nearly 21.

Indoor cats enjoy

safety and comfort.

They are safe from dis-

eases that feral cats may

carry and outdoor cats

pick up. They are safe from cat

fights, cars, and predators.

And, indoor cats wont harm

other wildlife, such as birds

and small animals.

Alternatives

There are many alterna-

tives to the outdoor lifestyle.

When kittens first come

home, they should be kept

indoors. If your cats miss

their outdoor excursions, you

might try to train them to

wear a harness and walk on a

leash. They will still be able

to enjoy the outdoors, but

much more safely.

Another alternative is

to create a safe outdoor area

or run where the cats can go

outside but cannot escape

the area. There are many

outdoor runs available now

that connect to a cat door

and allow the cat access to a

run on a patio or in a back-

yard.

Indoor vs. outdoor cats


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13/32

You can also allow the

cat outdoors on a patio or

deck when you are outdoors,

and only for a short time. Or,

you can use a carrier to take

your kitty for walks in the

sunshine.

Keeping kitty indoors

will keep it healthy, happy,

and free of infectious diseases

it might catch outside. Each

pet owner is responsible for

his own pets health and well-

being. Keeping kitty inside is

the choice that makes sense.

Article courtesy of pet-

articles.blogspot.com.

Brought to you by

Dr. Matthew Krupnick, owner

of the Pequannock Animal Hos-

pital. He grew up in Kinnelon

and is happy to be home with

his wife, three cats and two dogs

to provide quality and com-

passionate care for your pets in

the community. The Pequan-

nock Animal Hospital is located

at 591 Newark Pompton Turn-

pike in Pompton Plains. You can

reach them at 973-616-0400.


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Indoor vs.outdoor catscontinued from previous page

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O

ver the past few years,

how many times have

you heard or asked

that question? In Northern

New Jersey, its starting to

become as common as Hello!

People who come into my store

are always asking me about

backup power solutions. After

the severe power outages that

we have suffered through last

year with the blizzards, floods

and hurricanes, the question

has been How do we keep our

power on?

Up until last week, I was

dismissing last year as an anom-

aly. Well, the anomaly is

becoming a pattern. While not

a gambler, I do know and

believe a rule of gambling: If

something happens twice, its a

streak. Well, here we are after

the second straight year of pro-

longed power outages. I dont

know whats causing weather

changes, but I do know some-

thing has increased the severity

of our weather. More multiple-

day outages are to be expected.

There are two practical

solutions. Both include gaining

independence from the utili-

ties, thus reducing our depend-

ence on them as a reliable

power source. The first solution

is to install a standby power

generator. Running off natural

gas or propane, this solution

can satisfy at least your most

critical requirements for power.

In most cases of severe weather,

a generator allows families to

continue to go about their daily

routines of showering, cooking,

heating, cooling and maintain-

ing communications with the

rest of the world. They do have

a downside. An endless supply

of gas is not guaranteed. As we

recently saw, natural gas com-

panies were forced in many

locations to cut their supplies

off due to danger of explosion.

In these areas, the standby gen-

erators did no good until supply

lines were brought back online.

Portable generators help also,

but you need gasoline, which,

as weve seen, was not easy to

come by.

The second solution is

the ideal solution. Installing a

solar system with a backup

power supply can reduce your

dependence on your utility.

This technology is now an

affordable alternative. The way


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What's the best answer to Did you get power back yet?By Tom Ferraro, President, Solar & More



15/32

Santa, Ace Road, Butler, NJ

07405. This is for Butler resi-

dents only.

The Pompton Lakes

Republican Club invites you

to its monthly meetings on

the third Thursday of each

month at the VFW Post 2906

off Wanaque Avenue in

Pompton Lakes. Membership

is open to the public. Get

involved with the PLRC and

participate in informative

meetings, community out-

reach, scholarships for youth,

and social activities.

Questions? Call 973-835-

4025 or e-mail kbaig@opton-

line.net.

Kinnelons Open Space

Committee (OSC) and Open

Space Advisory Committee

Community Happenings

it works is simple: A grid-tied

solar system on your homes

roof or in your yard generates

power during the day. The

power first charges a set of bat-

teries until fully charged, then

provides electricity to offset

the usage in your home. Any

excess electricity generated is

sent back into the grid.

Through net metering, you

are paid normal retail rates for

this electricity by your utility.

When utility power is

shut down due to an event

such as Hurricane Sandy or

Katrina, or a major blizzard or

earthquake, switches are acti-

vated that redirect your power

source completely to solar and

battery backup. As long as we

have daylight, youll have

power. If the sun should stop

shinning, it wont matter any-

way, as power wont be our

biggest concern!

Your homes usage dic-

tates how big of a solar system

youll need. The size of your

backup battery system is

dependent on how long youll

want that usage to continue.

Sizing your system is key to

providing the proper power

levels. These backup systems

can even be installed on homes

with existing solar systems.

The one obstacle to solar: not

every home is solar worthy.

In that case, a standby genera-

tor is the best solution. But, if

you are solar worthy,

installing solar with a battery

backup system is your best bet

to protecting your home and

family.

So, whats the best reply

to Did you get power back

yet? Well, homeowners with

the solutions above can answer

I never lost it!

Tom Ferraro is the owner

of the Solar & More Store, a

retail showroom located at 598

Route 23 in Pompton Plains.

Solar & More sells and installs

solar, geothermal and other

renewable energy systems, as

well as energy-efficiency prod-

ucts and backup systems. Visit

its website at www.solarnmore-

store.com.


What's the best answer toDid you get power back yet?continued from previous page

continued from page 2


b lif dl i j N b 21 2012P 16 Z 3


16/32

Alot of work and effort goes into putting on a musical thats without a hurricane. Thanks

to Sandy, Rhino Theatres tech week was devastated and shortened by the storm.

They were scrambling to find gas to get to and from the theater for rehearsals.

Despite these setbacks, How to Succeed in Business Without ReallyTrying opened on

November 2 right on schedule. Their ensemble of talented, dedicated actors, musicians and crew

pulled together in team spirit because the show must go on. They invite you to come see this

wonderfully entertaining musical, and let the magic of the theater take you away from your worries.

Share their enthusiasm and enjoy the show! There is still one weekend of shows remaining,

Nov 23, 24, and 25. Friday and Saturday are at 8pm, Sunday at 2pm. Ticket prices are $25 for

adults, $22 for seniors and $20 for children, plus tax. Group rates are available.

For tickets call 973-248-9491.Visit Rhino Theatres website at www.RhinoTheatre.com.

Rhino Theatre lifts communityspirits following Hurricane Sandy


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17/32

(OSAC) are inviting mem-

bers of various organizations

and committees throughout

the borough to join them on

a tour around Kinnelon. The

Land Conservancy of New

Jersey will be taking notes

and gathering information

on Kinnelons historical,

recreational, and open space

facilities in order to update

the boroughs open space

plan. Residents should go to

www.kinnelonboro.org for

additional information

regarding public meetings in

which they can participate.

Comments and suggestions

are always welcomed at kin-

[email protected].

The Circle of Friendship, a

support group for the separat-

BeYoga, a custom-

designed yoga studio

located in Spa 23 in

Pompton Plains, is celebrating

its opening by offering 15 free

days of unlimited yoga classes.

Then, for a limited time only,

you may join for the special

price of $59 a month. (The

regular price is $69.) Best of

all, there is no commitment.

The studio offers both hot

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meditative practice, and

vinyasa flow, where the room is

heated to 85 degrees. Also

offered is Hot Be26, where the

room is heated to 105 degrees.

Be26 takes you through 26

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all levels of practice.

BeYoga was created to

provide yoga to all people in

our community. The philoso-

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can practice yoga, and every-

one deserves to be yoga to

find harmony and peace of

mind, to breathe, stretch and

open up, and to create space in

the body and mind.

For more information,

please contact BeYoga at Spa

23 by calling 973-839-8823, or

stop by to try a class or take a

tour.


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visit our website at www lifeandleisurenj com November 21, 2012Page 18, Zone 3


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How to save on home improvement projects




23/32

With all of the

recent devasta-

tion and stress

inflicted on us from

Hurricane Sandy and

Superstorm Athena, this

years Thanksgiving might

seem like another burden

around the corner. It seems

like we just got back to nor-

mal and now Thanksgiving isonly a week away; time for

some holiday stress. Wayne

Chateau, located on Hamburg

Turnpike in Wayne, provides

an alternative to the hectic

preparation for the imminent

feast. Instead of fighting for

the last turkey in the super-

market and slaving away all

day in the kitchen, celebrate

Thanksgiving at Wayne

Chateau at theirThanksgiving Day Buffet.

Everything you could possibly

want for a Thanksgiving feast

will be served. Turkey,

mashed potatoes, cranberry

sauce, stuffing, vegetables,

and pies are just some of the

menu items that will be

included in the all-you-can-

eat buffet.

Wayne Chateau is a fam-ily owned restaurant that pro-

vides excellent and friendly

service. You will practically

feel like you are at home cele-

brating Thanksgiving with

your own family.

Aside from the

Thanksgiving Day buffet, the

menu ranges over many dif-

ferent food styles such as

Americana, Chinese, Italian,Sushi, and Fish. The dinner

CASH ONLY. Cannot combine with any other offers. Excludes tax.Expires 12/5/12.*

BUY 2 $50GIFT

CERTIFICATES

With

Minimum

Food

Purchase

of $35.00

$10Off

Not to be combined with$5.99 or $10.99 coupons.

*

HOLIDAY SPECIAL

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

MONDAY-SATURDAY

Cannot combine with any other offers.Coupon must be presented before ordering.Maximum 1 coupon per table. Not valid forparties of 8 or more. NOT VALID ON HOLIDAYS.Excludes tax. Expires 12/5/12.

* $7999

HAPPY HOUR (3pm to 6pm Monday - Saturday) at Bar Only$3 House Wine - $3 All Beer - $4 House Martinis & Drinks

1/2 PRICE APPETIZERS (4:30pm to 9:30pm Monday - Thursday)

MONDAY - THURSDAYALL DAY SPECIAL

$1099Shrimp, Veal, or Chicken Parmigiana w/Pasta,Meat Loaf w/Mashed Potatoes,Shrimp, Chicken or Sole Francaise w/Vegetables,1/2 Rack BBQ Ribs w/French Fries

*** with Soup or Salad ***With the purchase

of a beverage.Cannot combine with any other offers. Coupon must be presented before ordering.Maximum 2 coupons per table. Not valid for parties of 8 or more. NOT VALID ON HOLIDAYSExcludes tax. Expires 12/5/12. LIMITED TIME OFFER.

*

WE ACCEPT ALL COMPETITORS COUPONS!!**RESTRICTIONS APPLY.

RESTAURANT

With the purchase of a beverage.

for

of course!Fresh seafood, the finest quality meats, seasonal ingredients and a chef

who ensures every course is prepared to perfection. Thats our recipe for success.

WE WILL BE OPENFOR PRIVATE PARTIES ON

MONDAYS & TUESDAYSvisit us on facebook

www.linasristorante.com

49 MAIN STREET | BLOOMINGDALE

973.492.2211 | 1.888.522.Lina (5462) | www.LinasRistorante.comJust off Routes 23 & 287 Open Wed, Thurs & Sun 12pm-11pm Fri & Sat 12pm-12am

Restaurant & Fine Catering

Catering For All Occasions,

On & Off Site

Gift Certificates Available

Daily Lunch Buffet & Full Menu

with Specials

Take-Out Full Bar

ATouchOfItalyInBloo

mingdale

A Warm, Elegant & Engaging Atmosphere

CUSTOMERAPPRECIATIONNIGHTEvery Wednesday & Friday

4PM-11PM

50% OffEntire Check18% Gratuity added to total bill.

Not valid with any other offers.

LinasA Touch Of Italy In Bloomingdale

Since 1983

Book EarlyFor Your Special

Occasion orHoliday Party!

CASHONLY

Celebrate Thanksgiving at the

Wayne Chateau




24/32

Be a Thanksgiving hero

this year. If disaster

strikes on Thanksgiv-

ing Day, face it head-on with

these simple fixes for common

mishaps.

1.Unexpected guests show up.

Aunt Sally brought along her

new boyfriend and his three

brothers? No problem. Youve

already prepared for this bybuying a boneless turkey

breast. A 2 1/2-pound bone-

less breast only takes around 1

1/2 hours to cook. After its

sliced up and added to the

serving platter, no one will be

the wiser. And if you dont

end up using it, freeze it for

the next time you get a turkey

craving.

2.My potatoes are lumpy.

Lumpy mashed potatoes gen-erally mean undercooked

potatoes. If you get to this

point and you realize youve

undercooked your potatoes,

just add a little bit of milk or

cream and cook the potatoes

over a low heat until the

lumps begin to soften. Next

time, make sure you cook the

potatoes fully by inserting a

fork into them before takingthem off the heat. If the fork

slips in easily, theyre done.

3.My gravy isnt smooth.

If flour is added too quickly,

the gravy will wind up with

clumps of flour. Avoid this

problem by gradually adding

the flour into the gravy base.

You can do this by sprinkling

it into the gravy or with a fine

sieve if you prefer. For extrainsurance, try pouring the

gravy through a sieve just

before serving.

4.My pie crust is soggy.

To prevent a soggy pie crust,

blind-bake the crust either

partially or fully before pour-

ing in the filling. This will set

the crust to prevent the wet

filling from sinking in.

Alternatively, keep a good-

quality store-bought pie crust

in the freezer. Pop it in theoven to crisp up, and then

pour in your filling for a short-

cut to Thanksgiving dessert.

5.My pumpkin pie or cheesecake

has cracked on top.

Theres nothing a little

confectioners sugar or

whipped cream cant hide.

Top your cracked pie or cake

with one or the other and

your guests will admire you

for remembering the finish-ing touches. There are a lot of


Disaster? What disaster?

Five Thanksgiving Day fixes



25/32

ed and divorced, meets at

7:30pm every Thursday at St.

Marys Church, 17 Pompton

Ave. in Pompton Lakes. For

further information, call

Christine at 973-335-9880.Singles in their 20s and 30s

looking to meet other young

Jewish singles should join us

for games, friends, snacks,

and more! We meet the first

Sunday of the month at

Congregation Beth Shalom,

21 Passaic Ave. in Pompton

Lakes. Bring your friends.

Find our Facebook page or

e-mail singles.jewish@gmail

.com.Passaic Valley Hospice, a

non-profit organization, is in

need of volunteers for various

duties. Volunteers are an

integral part of the profes-

sional hospice team that pro-

vides physical, emotional,

and spiritual support to the

terminally ill. Volunteers

work directly with patients

and families, providing

respite for caregivers, com-panionship for patients and

families, and errand-runs.

Weekday volunteers are

especially needed. For addi-

tional information, call 973-

256-4636 and ask for Laura

Entwistle. Reach out give

the gift of self!

reasons custards may crack,and two of the most common

involve cooking and cooling

time. Avoid the crack next

year by cooking the custard

for less time. Custards need to

cook only until just set. And

cool custard gradually by

turning off the oven, prop-

ping the oven door slightly

ajar and letting it come to

room temperature before

refrigerating.

Disaster?

What disaster?

menu also includes filetmignon and lobster; some of

the most popular menu items.

The buffet also offers many

entre and side items so that

there is something for every-

one.

I found the atmosphere

of Wayne Chateau to be rem-

iniscent of a Vegas style buf-

fet. The restaurant was open

and classy, with a bright and

comfortable atmosphere. Theservice definitely enhanced

my dining experience as

everyone was super friendly

and attentive as I enjoyed my

meal. It was definitely a treat

to enjoy cooked to order

steaks and probably the best

buffet sushi I have ever had.So if youre not sure

what to do this Thanksgiving,

head on over to Wayne

Chateau where you will enjoy

a wonderful Thanksgiving

Buffet free of all the typical

holiday stress. Reservations

are recommended for larger

parties. Enjoy a relaxing time

with family and friends with a

delicious buffet and excellent

service that is sure to please.Wayne Chateau is locat-

ed at 862 Hamburg Turnpike.

Visit us at waynechateaubuf-

fet.com or call 973-694-1864.

Private parties available.

2 LARGE CHEESE PIES$1899

1 LG. CHEESE PIE & 1 ORDEROF BUFFALO WINGS

Only

$1599Only

1 LG. CHEESE PIE & 1 COLDANTIPASTO OR MUSSELS

$1699Only3 LARGE CHEESE PIES

$2799Only

FAMILY MEAL DEAL

$1999Only

$15.00 or More

Any Large Pie

Dannys PizzaTake-Out or Delivery only. Not to be

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



















2 Large1 Topping Pizzas $30.00 or More

2 for$22 $5Off

$2Off

$2Off



$2999Only

2 PLAIN PIES, 20 WINGS,ONE 2 LITER SODA

DINNER FOR 2

$2199Only

!#$"!"

Celebrate Thanksgiving

at the Wayne Chateaucontinued from previous pagecontinued from page 23

Ingredients

2 (14-ounce) packages

gingerbread mix

1 (5.1-ounce) box cook-

and- serve vanilla

pudding mix

1 (30-ounce) can pumpkin

pie filling

12 cup packed brown sugar13 teaspoon ground

cardamom or cinnamon

1 (12-ounce) container

frozen whipped topping12 cup gingersnaps, optional

Directions

Bake the gingerbread accord-

ing to the package directions;

cool completely. Meanwhile,

prepare the pudding and set

aside to cool. Stir the pumpkin

pie filling, sugar, and car-

damom into the pudding.Crumble 1 batch of ginger-

bread into the bottom of a

large, pretty bowl. Pour 1/2 of

the pudding mixture over the

gingerbread, then add a layer

of whipped topping. Repeat

with the remaining ginger-

bread, pudding, and whipped

topping. Sprinkle of the top

with crushed gingersnaps, if

desired. Refrigerate overnight.

Trifle can be layered in apunch bowl. Serves 20.

Pumpkin

Gingerbread Trifle





26/32

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D &LIQUOR

NowSellingBeer,Wine

&Liquor

GrabYourFavoriteBrewToGoWithYo

ur

TurkeyRightHere!

HAPPYTHANKSGIVING!!

303MainStreet Butler

973-291-8488

Sun.,Mon.,Tues.,Wed.6:15am-9:00pm-Thurs.,Fri.,Sat.6:15

am-9:30pm

$17.99

SPECIAL

CoorsLight24Pk.

WESELL:

MilkBreadEggsSodaEnergyDr

inks

SnacksCigarettesCigarsRollYour

OwnCigarettesBeer

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ristmas Day

BuyTotalE-Cigarette

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Buy3Get5%Off

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27/32

Primary mortgage insur-

ance, or PMI, protectslenders in the event

that borrowers default on

their primary mortage by

ceasing to make payments,

resulting in homes ending up

in foreclosure. But all bor-

rowers do not have to pay

PMI. Typically, home buyers

must make a 20 percent

down payment on a home

when they buy it. However,

some borrowers are unable toput down 20 percent. In such

instances, the lender will

require they pay PMI. This is

because the lender views a

borrower who cannot make

an initial 20 percent down

payment as a riskier invest-

ment, and lenders charge

PMI in an effort to protect

themselves should the bor-

rower prove worthy of their

skepticism. PMI will be fac-tored into the monthly mort-

gage payment, but borrowers

should know they do not

have to continue paying PMI

once they have paid enough

toward the principal amount

of the loan. For most, this

means once they have paid

20 percent of the principal,

MARIA FERRITO

973-986-6914 Cell

!!!""#!&

NJAR MILLION DOLLARSALES CLUB 2001

NJ CIRCLE OF EXCELLENCE2002-2011Consistent

TOP PRODUCERin the WAYNE area.

"&%!$&

Townhome SpecialistRelocation Agent

CallMARIA FERRITOfor CURRENT MARKET

VALUE OF YOUR HOME

Wayne Office #1 Listing Agent

SHORT SALE AGENTOwe more than your

home is worth?

WAYNE $649,9995BR, 4 1/2 Bath

Center Hall Colonial onlarge private lot.

HappyThanksgiving!

KINNELON $229,995Kinnelon Heights-55+Community - 2BRS2BTHS/ EIK w/Mtn views/W/D in Unit/1C DetGar. KIN5987

Kinnelon/Smoke Rise 973-838-9300

NORTH HALEDON $875,000Live in true Luxury!Unparalled combination ofaesthetic appeal, exquisite finishings & er-gonomic design. KIN3347


OAKLAND $620,000Ramapo Reserve 3BR 3.5Bth young Col w/2-story foyer, Kit w/Maple cab, FamRm w/fpl,MBR/soaking tub/stall shower. 2 GAR.WYN0457

Wayne 973-694-8000

JEFFERSON TWP $489,0004BR 3.2BA Col. completely renovated/newBTHS/wood Flrs/newer Kit/no att. to detail leftout. A must see. KIN5992


POMPTON PLAINS $555,000The jewel you have been waiting for has arrived!A well appointed 4BR 2.5BA home that will trulysurprise you. KIN1346Kinnelon/Smoke Rise 973-838-9300

HALEDON $228,900Beautiful 2BR 2Bth 4yr young condo on top flof elev bldg. Contemp feel w/Cherry fls, Gran-ite, top of line appl + MORE! WYN0644

Wayne 973-694-8000

WAYNE $327,900Comfortable affordable 4BR Lionshead Lk homew/2 updtd Bths,Wdws,Siding, Big Country Kit/SSappl, fin bsmt. Great Value! WYN0569

Wayne 973-694-8000

WAYNE $698,000Lovely 5BR 4Bth Waterview Estates Colw/newer Kit & updtd Bths, fin LL-walkout in-law ste, 2GAR. Conv to everything! WYN0685

Wayne 973-694-8000

WAYNE $1,099,000Spectacular LAKEFRONT 6BR 5.5Bth Customin Pines Lk. Nearly every room w/views, IGpool. WYN0868

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WAYNE $674,888Point View 5BR 3Bth Custom Col on cul-de-sac w/Brazilian HWs, FamRm w/Mbl fpl, EuroKit/Granite, huge MBR/MBth, 41' Deck +MORE! WYN0172

Wayne 973-694-8000

WAYNE $379,000Lovely updated & expanded 4BR 2Bth Cape inPackanack Lk w/EIK, HW fls, fplc & gar. Nearschools, shops & transp. WYN0354

Wayne 973-694-8000

KINNELON $600,000Smoke Rise-Charming 5BR/3.1BA Dutch Col.w/main level In-Law Suite/3C.Gar./C/A/lge.level/fenced yd. KIN1973


KINNELON $647,000Smoke Rise-Fab 8Rm 3/4BR/3.1BA Ranch com-pletely renovated 2003 w/quality materials/openlayout. KIN1955


KINNELON $614,900Fayson Lks.-5BR 3BA Lkfront w/spect.viewsfrom almost every Rm., fin. W/O LL/perfect In-Law suite. KIN5060


LINCOLN PARK $314,999Open plan 4BR 2.5Bth BiLevel w/cath ceil,Skylites, Wood fls, 50'Deck, priv yd + nwr roof,furnace, CA,Elec.Near town & trans. WYN0806

Wayne 973-694-8000

BLOOMINGDALE $329,900Beautiful young 3BR 2.5Bth BiLevel w/LR/vaultceil,ovrszd DR & Kit, MBR w/full Bth wi clst,FamRm/gas fpl+2GAR. WYN0278

Wayne 973-694-8000

KINNELON $1,425,000Fantastic 17 Rm. mountain top oasis in soughtafter Grandview Ests. w/NYC skyline views & I/Ggunite pool w/waterfall. KIN1958


NORTH CALDWELL $979,900Elegant 4BR 4.5Bth Custom Col w/grand 2-story Foyer, Grmt Kit, Stunning Great Rmw/Vaulted Ceil, MBR Suite, lush grounds +3GAR. WYN0541

Wayne 973-694-8000

KINNELON $739,000Fab 5BR 2.1BA Georgian Col./2 Story Grt. Rmw/floor to ceiling brick FP/custom fin. W/OLL/3C.Gar. KIN1967


KINNELON $1,395,000SMOKE RISE - Stunning Est. set on 5.5level/landscaped Ac w/pond/exquisite cust. de-tails. KIN1330


KINNELON $1,999,000Smoke Rise-"Experience the WOW" Comfort/el-egance/master craftmanship make this home theultimate. KIN1950


KINNELON $389,900Timeless grace! 4BR/2BA Cape Cod/1CGar./H/W Flrs in LR/DR/Fam Rm w/custom win-dows. KIN1986


RIVERDALE $215,000Buy-Don't Rent! 1BR condo w/upgradedKit/Granite/SS appl, wood fls, MBR/crownmoldings, pool, tennis & more. WYN0438

Wayne 973-694-8000

WAYNE $747,000Newer custom unique 4/5BR 4Bth spectacularColonial w/impressive open fl plan-perfect forentertaining! 2GAR. WYN0757

Wayne 973-694-8000

Did you know?




28/32

'&!!%)&

)'*$%

)'*&$'%$!%)*

)"*!$'$%

$)!!

$)!!!9,-9)94@$)=--41=-9@16+4$;)+316/)=)14)*4-

+33

%/+965/.28/=66.79.1;0

#-.-9-6+-:+)6+4-)6@7


29/32

SERVICE DIRECTORY & CLASSIFIEDS

Longo Construction

973-838-8693

All Types of Brick, Block,Concrete, Fireplaces,

Foundations etc.

Free Estimate - Fully Insured

Bloomingdale

Zinet MasonryConstruction

973.452.2647Lic#13VHO3920800

Installation & RepairsBRICKS, BLOCK &

CONCRETECAULKING, ETC.

POWER WASHING

KovachRoofing

Shingles - SlateFlat Roofs - Gutters

973-835-5330Senior Citizen Discount

$300 OFFANY JOB OF

$3,000 MORE

Vinyl SidingReplacement Windows Residential Roofing 35+ Years Experience

Free Estimates Fully Insured973-696-5699

ROSSROOFING & SIDING

Tree Removal Lot Clearing Stump Grinding Chipper Service

Pruning & Trimming Wood Chips Grading & Excavating

INC.

24-Hour

EmergencyService FREE ESTIMATES

FULLY INSURED

Specializing In DangerousAnd Large Tree Removal

973-616-0010 973-583-2844

We will beat anywritten estimate

References availableupon request

TREECARE

!$#

"#&!"

"#$$#(%'#%"

)

""*

KevinThe PainterA True Professional

Decorative, Faux &Textural Finishes, Glazing,

Sheetrock, Spackle,Repairs & Power Washing

Interior/ExteriorFully Insured

References available

20 years Experience

973-979-8043

Stephen FoxPlumbing & Heating

Small Repairs,Alter, Drain Svc.

INSURED BONDED

973-839-1054

Lic.#7467

Quality

Workma

nship

Interior & Exterior Painting Residential Specialists Power Washing Paper Removal & Installation Brush Roll Airless Spray

Fully Insured FREE Estimates

Owner Operated

Where Excellence InQuality Is Affordable

973-839-7403

The Original

Georges PaintingInterior and Exterior

PaintingHome Improvements

Free Estimates Fully Insured

973-628-9143Established 1986

LikeWhatLikeWhat

YouYouSee?See?

SeeYOURAd

InLife&Leisures

NextIssue!

CallKathleen(973)696-8008

"

!

!

then they can ask that the monthly PMI pay-

ment be removed. Manyborrowers are

unaware of this or even forget to ask, but it's

within their rights as borrowers and can save a

substantial amount of money over the course

of the mortgage loan.

Did you know?


fromLife & Leisure


30/32



31/32

JUST LISTED JUST LISTED JUST LISTED JUST LISTED

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