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B

ringing decks back to life.

Transforming old walls into

new. Reconditioning cabi-net stain without stripping. These

are just some of the restoration

services performed by Grand View

Custom Painting and Property

Maintenance.

Since 1986, the West

Milford-based company has been

working its magic throughout

North Jersey, restoring homes in

Passaic, Morris, Bergen, and Sussex

counties.

We are very meticulous,working as if we are working on our

own homes, said owner Roy Ryan.

When we finish and clean up,

there isnt any mess left behind

just our beautiful work.

Originally a floor- and carpet-

cleaning company, Ryan bought

the business in 1986 and began tomake changes to the company.

During that time, there was one

thing that never changed. And

that was Ryans commitment to

quality work.

Our craftsmanship is the

best, said Ryan, whether its a

bath or a kitchen, custom trim

work or tiling a floor.

Additional services include

sheet rock installation and repair,

powerwashing, total wall restora-tion, stripping and sanding, paint-

ing, color matching and consulta-

tion, prep for new construction

and more.

We would like to thank all

our customers for the

opportunity to make

HAVE A HAPPY &SAFE HALLOWEEN

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

October 30, 2013

Zone 3, Vol. 11, No. 21

We are a Family, Friendly Publication

Grand View Custom Painting and Property

Maintenance restores homes inside and out

continued on page 6

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

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

NOV 9

The Bloomingdale United MethodistChurch will host a rummage sale onSaturday, November 9 from 9am-2pm at 65 Main Street in Troxler Hall(bldg. to the left of the church).The

sale will include men, women andchildrens clothing, household items,furniture, toys, books, shoes, baby

items, knick-knacks, dishes and muchmore! Cake and coffee will beavailable. For further information,please call 973-838-5140, [email protected], or visit our web-site at www.bumc65.org.

NOV 16

Comedy Knight, Saturday, November

16. Doors open at 7pm Show starts7:30pm. Tickets: pre-sale $25 - at theDoor $30. Price includes show, tap beer,wine & soda - ID will be required. Knightsof Columbus Hall 65 Hamburg Tpk inButler. For more Information and to pur-chase tickets contact Cathe Nicholson973-492-8931 or [email protected].

NOV 23

Girl Scout Troop 94658 will be conduct-

ing a Dance Attire drive on Saturday,November 23 from 11am-2 pm at theRiverdale Library located at 93 NewarkPompton Turnpike in Riverdale. We willbe collecting used recital costumes, tap,ballet, jazz shoes, leotards and dance

wear. All donations will go to BlossomSisters Foundation. We are actively seek-

ing donations this month. For a drop offlocation prior to November 23, please

contact Roxanne at 973-262-9142 [email protected]. Thank youfor your involvement in making thisanother successful community serviceproject we are all proud of.

Around theCommunity

West Milford Players presents March ofthe Wooden Soldiers. Performancedates November 15, 16, 17, 22, 23, 24,December 6, 7, & 8. Start your HolidaySeason off with this Holiday Classicadapted from the 1934 Laurel & Hardy

film. A very talented and diverse groupcomprises this cast. Show dates

are: November 15, 16, 17, 22, 23, 24,December 6, 7, 8. Fridays and Saturdaysat 8pm. Saturdays and Sunday mati-nees at 2pm. Tickets are $18.00 Adults -$15.00 Student/Senior. Show performedat the Hillcrest Community Center1810Macopin Road, West Milford. Tickets maybe purchased at the door [email protected]. Or call to pur-chase tickets 973-696-4400. Donationswill be made to the SAC Fund-Soldiers

Animal Companions Fund.

Learn how to crochet a scarf withteacher Vikki Anderson during a funfour-week workshop at the RiverdalePublic Library. Yarn will be provided, butyou must bring your own H crochethook. Classes will be held Wednesdaysfrom 6- 8pm on November 6 and 13,December 4 and 11. You must registerfor all four classes. Family Matinee:Parents, bring your kids to the RiverdaleLibrary on Thursday, November 7 toenjoy the animated tale Epic.

Refreshments will be served. Seniors:Join Katherine Woodfield, MBA, author

of the book Dont Buy THAT HealthInsurance on Friday, November 8 to dis-

cover how you can give yourself a betterfoundation for understanding what is

happening with Medicare and the 2014Health Care reform. Be an educatedhealth care consumer! For more informa-

tion or to register for these RiverdalePublic Library programs, call the libraryat 973-835-5044 or register online atwww.riverdalelibrary.org.True Vine Christian Center, located at 99Two Bridges Road in Lincoln Park offers afood pantry which is open every second& fourth Wednesday of the month.Remaining 2013 dates are as follows:

November 13 & 27, December 11 & 19(this is the third Wednesday since theforth is Christmas Day). The hours arefrom 5:30-6:45pm. It is for families thatare in need.The Unorthodox Wood Carving Clubis now excepting new members. We

are a small group of woodcarvers withinterests in carving duck decoys, birds,and all other types of wood carvingdesigns. Some power equipment avail-able for use. Please stop by Pompton

Mill Works 2nd Floor 145 RingwoodAve Wanaque or call 973-934-6520for more information.The Bloomingdale Friends of the Library

would like to welcome newmembers/volunteers. If you are looking

to make new friends,want to share yourleadership skills, and participate in ourfundraising events, please come to ameeting and help support the library!You can make a difference in your com-munity! Meetings are on the 3rdWednesday of each month, at 7pm in theCouncil Chambers, above the library. Forquestions or more info please call or stopby the Bloomingdale Free Public Library,101 Hamburg Turnpike, Bloomingdale or

call 973-838-0077.

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

Thursday of every month from 7:30-9:30pm at Cornerstone Chapel 620

Route 23 North, Pompton Plains

visit our website at www.lifeandleisurenj.com October 30, 2013Page 2, Zone 3

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

Lincoln Park, NJ 07035 i 973.696.8008

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

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

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

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

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

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Though annuities have

been around since the

days of the Roman

Empire, they have gone

through many metamor-

phisms, especially since the

1950s. Yet many people have

little to no idea how these

much maligned financial prod-ucts can create a secured guar-

anteed retirement income

without giving up one penny

of principal. Even respected

people in the financial media

are totally misinformed about

annuities, spewing incorrect,

false and incomplete informa-

tion about annuities of all

types. I am appalled by the

annuity venom of TV person-

ality SZ, radio supposed guruRK and print pundit KN.

To protect the guilty I have

somewhat disguised their

names here, but I believe you

know whom I am referring to.

So in the spirit of these spokes-

people, we will start our con-

versation with the ugly.

SZ says: Never put your

IRA into an annuity because

an annuity is tax deferred and

so is your IRA, so why pay for

tax-deferral through an insur-

ance company with your

IRA? What a bunch of bunk!

Do you know how much theinsurance company charges for

tax deferral? Absolutely noth-

ing! Tax deferral for annuities

is sanctioned by congress. So

there must be another reason

to put your IRA into an annu-

ity, and there are many. More

about that later in the good

section of this article.

RK says: Annuities are

just too expensive and there

are many other less expensivealternatives. Compared to

what? A 1972 Ford Pinto and

a 2013 Rolls Royce Phantom

will both drive you to work

every day, but the 1972 Pinto

could explode if hit in the rear

along the way. Though your

insurance would replace the

car in that event, who would

replace you? Along with style,

grace, prestige and the finest

ride in the automobile uni-

verse, if you get hit in the rear

while driving your RollsRoyce, you certainly wouldnt

blow up. In fact, you and your

car would probably be

unscathed by the event. My

first car was a 1972 Pinto that

I rolled over on its side when

making a turn at 5 mph on wet

pavement. When driving my

1994 Bentley, identical to a

Rolls Royce of the same year,

the traffic came to a sudden

stop from 40 mph on Route23. I stopped, but the young

college student behind me

never even hit the brake,

plowing into me with her

Nissan. The hood of her car

folded in half to the wind-


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Annuities: the good,

the bad and the ugly!By Mark Charnet

continued on next page

7/27/2019 221657_1382697135Oct 30 2013 Z3 LOW REZ

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shield. My car had two small

scratches where her license

plate screws were located.

There was absolutely no dam-

age to the car, to me or my pas-senger. Does that mean the

difference in price between

the Pinto and the Bentley

might have saved me from

bodily harm or even my life?

Ill let you decide. I do know if

I were hit like that in the

Pinto, I would not be writing

this column today.

What about your portfo-

lio and retirement income?

Are they crash proof?Annuities can be designed to

be crash proof! Is there a fee

for that feature? Absolutely! Is

it worth it? Ill let you decided

that for yourself, too.

KN just doesnt like

annuities. Probably because he

doesnt sell them and it takes

away dollars from what he

does like to sell to his clients:

assets under management.

Stocks, bonds and mutualfunds can all be held in a man-

aged account that generates

fees and or commissions. Most

annuities do not fit well into

this system and fee-based

financial planners loathe

embracing products that do

not pay on-going fees.The bad: Due to igno-

rance and the promulgation of

faulty and negative informa-

tion spread by these media

personalities and others

coupled with antiquated infor-

mation about modern day

fixed-indexed and variable

annuities the public is once

again disserved by their regular

resources for information. It is

imperative that they get thefacts from knowledgeable

trained and licensed profes-

sionals in the annuity industry

and with those facts be ready

and able to make the

informed, potentially portfo-

lio-saving and perpetuating

decisions.

The good: I am a licensed

annuity representative and a

certified annuity specialist,

uniquely qualified to render anopinion on this subject. I have

rejected fee-based financial

planning from my practice and

have 32 years of financial

planning and annuity experi-

ence. Ive also created the

Trinity Method of Investing,

based on a tri-annuity plat-

form, which protects your

retirement and portfolio from

the five forces of portfolio

demise: market losses, liability

risks, health care costs,

expenses of long-term care

and taxes at death. Simul-

taneously, most people Iveencountered desire Maximi-

zing their income today while

preserving, protecting and per-

petuating their wealth for

tomorrow.

All who employ the TMI

benefit from the protection

and opportunities it provides.

Each persons specific financial

position, goals and needs are

different, as would their partic-

ular design of the TMI be.

When market corrections,

crashes and upheaval occur,

when inflation rears its ugly

head, when the bad newsappears in your rear view mir-

ror, will your portfolio and

financial life be driven by an

explosive 1972 Ford Pinto or a

7,000-pound Rolls Royce?

Will the price of protection be

too high then? Will your road

of financial independence dur-ing retirement be completely

paved and smooth? If so, no

protective measures may be

necessary. However, should

there be a storm or turmoil in

the stock and bond markets, or

an expensive health challenge

sometime along your journey,

then the benefits of a properly

structured portfolio of annu-

ities applied according to the

TMI may be just what the doc-tor ordered. Are you willing to

wait, unprepared, naked and

vulnerable to see what hap-

pens? Before you answer the

question, a Rolls Royce costs

$450,000 today. A living ben-

efit rider for your annuity can

cost as little as .35 percent

annually. Thats only $350 a

year to protect and guarantee a

$100,000 portfolio. There is

nothing worth $100,000 thatyou may own that can be

insured for less than that

annual sum! What would SZ,

RK and KN say about that?

Why not pick up the phone

and call for an appointment to

find out more? The call and

the appointment are free, butthe information when learned

and applied could mean mil-

lions more to you and your

family.

Mark E. Charnet, CAS, CSA

is president and founder of

American Prosperity Group.

APG is the premier retirement

and estate-planning franchise in

the U.S. with 17 offices in eight

states. Charnet has 32 years ofexperience in the retirement and

estate-planning fields and en-

courages your inquiries at

877-885-1APG (1274),

973-831-4424 or markchar-

[email protected]. For more

information, visit

www.1apg.com. Interested in a

career in retirement and estate

planning? Visit www.apgfran-

chise.com. Securities through:

BCG Securities, Inc. MemberSIPC, FINRA and a registered

investment advisor.


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Annuities: the good, the bad and the ugly!

continued from previous page

7/27/2019 221657_1382697135Oct 30 2013 Z3 LOW REZ

6/28

your home a better place, said

Ryan.

He and his crew who

have been working together for

over 16 years are looking for-

ward to serving you. For a free

estimate, call 973-632-4733 or

973-657-1869, or e-mail

[email protected].

Grand View Custom

Painting and Property Main-

tenance operates Mon-dayFriday 8am6pm.

The U.S. Food and

Drug Administration

(FDA) is going to

explore creating a new sugarlevel for products. This is a

number that added sugar cant

exceed in a given product.

The goal is to boost oral

health, and combat diabetes,

heart disease, and other

health issues. The Center for

Science and Public Interest

filed a 54-page petition about

the overwhelming evidence

that added sugars cause major

health problems.The American Heart

Association claims that no

person should consume more

than nine teaspoons of sugar

each day. The average

American consumes between

18-23 teaspoons of sugar each

day. The average 20-ounce

bottle of soda has 16 tea-

spoonfuls of sugar from high

fructose corn syrup.Sugary drinks comprise

the largest source of calories in

the American diet.

Dr. Peter Brusco is a 1980

graduate of The University of

Pennsylvania and has been

practicing in Kinnelon since

1982. Dr. Bruscos practice is

located at 170 Kinnelon Road,

Suite 29A in Kinnelon. You

may reach him by calling 973-838-5862 or visit him on the

web at www.drbrusco.com.

Sugar RegulationBy Peter Brusco, DMD


Grand View

Custom Paintingand Property

Maintenancerestores homes

inside and outcontinued from page 1

7/27/2019 221657_1382697135Oct 30 2013 Z3 LOW REZ

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Senior citizens and the

winter season do not

often get along very

well. During these cold

months, they are supposed to

stay inside because extreme

weather may cause illness or

injury. Here are some winter

activities that are not only

enjoyable but beneficial.

PLAY BINGO. Bingo may

not be the best game for stay-

ing fit while remaining

indoors, but this is a great

game that encourages mental

stimulation. It is also a great

way to make new friends. This

game is not only played at

home, but can also be found

in local halls and senior clubs.

USE THE TREADMILL.

Treadmills are actually good

friends of senior citizens while

they remain indoors. Walking

on a treadmill daily is just like

walking outside except that

there are no worries about

falling down a snowy path. It

can definitely keep seniors fit

and healthy, even while stay-

ing inside.

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senior citizens healthy. Sure,

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Five best winter activities for the elderly

continued from page 8


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On the front porch

of a quaint Victor-

ian-style house on

Boonton Ave., customers sit,

enjoying a cup of morning

coffee. Some have arrived a

few minutes early and are

waiting for their appoint-

ments. Others are taking a

moment to relax between

services.

Inside, a team of elite

stylists is helping men and

women look and feel their

best.

This is the environment

at Xquisite Salon & Spa, a

full-service salon for men,

women and children that is

celebrating its first anniver-

sary this fall. Since the grand

opening one year ago,

Xquisite has become known

throughout Butler and sur-

rounding communities for its

cozy and relaxing atmosphere,

inside and out.

A huge part of maintain-

ing this warm atmosphere is

the staff. They are friendly

and approachable, and eager

to get to know their clients

personally. They are also some

of the most experienced and

talented stylists in North

Jersey. Whether youre look-

meet new people. In addition,

this improves memory, keeps

their minds sharp and even

boosts their self-confidence.

Learning anything is the best

way to have a healthy mind

and body for a long time.

LEARN TO USE THE

COMPUTER. Winter is a

great time to learn to use a

computer with confidence.

There are online tutorials for

various computer programs

and information about virtual-

ly anything online. One can

travel to museums and cities

around the world, learn a new

language, take an online class

via a college or other venue, or

just goof off and play games.

Sonia Scott is the owner of Dor-

son Home Care, a full-service

home health care agency provid-

ing families throughout Northern

and Central New Jersey with

compassionate home care servic-

es since 1989. For more infor-

mation, visit www.dorsonhome-

care.com or call 973-672-7691.


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Five best winter

activitiescontinued from page 10

Xquisite Salon & Spa celebrates one year in Butler


7/27/2019 221657_1382697135Oct 30 2013 Z3 LOW REZ

12/28

While Halloween

can be fun for

adults and chil-

dren, pets might not look for-

ward to October 31 as much as

the rest of the family. When

trick-or-treating time arrives

and the doorbell gets its annu-

al workout, pet parents should

take steps to ensure their dogs,

cats and other companion

animals stay calm and dont

get too frightened or excited.

Halloween is full of deco-

rations, costumes and

strangers ringing your door-

bell. While the excitement

can be thrilling for children,

pets can easily grow scared.

Animals generally become

creatures of routine, and any-

thing that takes them out of

their comfort zones can be a

cause for agitation. Spooky

decorations hung throughout

the house and outdoors pres-

ent new sights and smells. The

doorbell ringing every few

minutes could put skittish pets

even more on edge espe-

cially when they come face-

to-face with hordes of cos-

tumed trick-or-treaters.

Candy, chocolate in par-

ticular, poses a large risk as

well. Even relatively small

amounts of chocolate can be

harmful to cats

and dogs. Thats

because choco-

late contains caf-

feine and theo-

bromine, two dif-

ferent types of

stimulants that

can wreak havoc

on an animals

central nervous

system. Hard

candies may be

swallowed and

become lodged

in the throat or

digestive tract.

Artificial sweet-

eners are harmful to animals,

too.

To help keep pets safe, it

is best to consider the follow-

ing tips for Halloween.

1. Keep pets indoors for the

day. Animals that are fright-

ened may run away or grow

disoriented and get lost. Also,

you never want your pet to be

the victim of a Halloween

prank. Sometimes black cats

are stolen on Halloween. Dogs

left outside may be

at risk for teasing

and taunting, too.

2. Dont take dogs trick-or-

treating. Although you may

have a calm, well-mannered

dog, the crowds in the neigh-

borhood may excite mans

best friend, whose behavior

might be difficult to predict.

Also, other animals that get

loose from homes when the

doors are opened may provoke

your dog. Its enough to keep

your eyes on your children,

never mind being mindful of

your dog, too!

3. Skip costumes for pets. You

may think its a cute idea to

dress your pets in costumes,

but theres a good

chance your pet does

not share your enthu-

siasm. It may stress

out the animal, so

avoid pet costumes.

4. Be mindful of hol-

iday decorations.

Strings of lights,

fake spider webs

and other decorative items

can be tripping hazards for

pets, while electronic

devices could pose a safety

risk. Avoid lit candles in the

home because cats or dogs

may knock them over.

5. Keep pets secured in a

bedroom or another quiet

space. Your dog or cat may

try to bolt outside every time

you open the door to trick-

or-treaters. Instead, keep the

animals in a bedroom or

laundry area. Not only will

they appreciate the quiet,

but also they wont have a

chance to escape and get lost.

6. Store collected candy out

of reach. Pets are inquisitive,

and they may be drawn to the

sweet smell of candy and

treats. Candy wrappers and

the candy itself can be haz-

ardous to pets. Therefore,

store candy where pets cannot

access it and be sure children

discard candy wrappers.

Brought to you by Dr. Matthew

Krupnick, the owner of the Pe-

quannock Animal Hospital. He

grew up in Kinnelon and is hap-

py to be home with his wife,

three cats and two dogs to

provide quality and compassion-

ate care for your pets in the

community. The Pequannock

Animal Hospital is located at

591 Newark Pompton Turnpike

in Pompton Plains. You can

reach them at 973-616-0400.

Protect pets from Halloween hazards


WHERE YOURPET IS FAMILY

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Fri 8-5pm Sat 8-12pm

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7/27/2019 221657_1382697135Oct 30 2013 Z3 LOW REZ

13/28

ing for a routine trim or a

complete style change, their

extensive training and knowl-

edge will give you a look to

match your bone structure,

face shape, skin tone and

lifestyle.

For spa services, head

upstairs to see trained estheti-

cian Julia Moeller. She will

help you select from a variety

of specialty facials, including

European style, age-defying,

acne or sinus relief. There is

also a facial treatment

designed specifically for men.

She does all facials,

everything from teenagers

with acne to me, said owner

Kelly Napolitano.

Napolit ano admitted

that these facial services are so

relaxing that customers often

fall asleep during the treat-

ment and wake up to a new,

refreshed face.

Other spa services in-

clude stripless waxing and

body treatments. Care for your

tired legs and feet with heated

wraps to soothe overworked

muscles, or enjoy a relaxing

50-minute massage.

The salon carries the lat-

est in Keratin hair-smoothing

treatments, as well as hair

extensions, and all-natural

ammonia-free coloring upon

request. They have specialty

treatments for curly hair,

mens hair and more.

Xquisite Salon & Spas

elite team of talented and

creative artists are passionate

about their work. The staff is

dedicated to making you

look and feel your absolute

best, and the atmosphere is

fresh, welcoming and posi-

tively unique.

Everyone who comes in

here feels like theyre walk-

ing into a friends house,

Napolitano said. Its very

quaint, very charming.

Salon and spa hours are

10am3pm Tuesday, 10am8

pm Wednesday and Thursday,

10am3pm Friday, and

9am3pm Saturday. Later

appointments are available

upon request. Sundays are

reserved for private parties

and special occasions. Every

day is senior day with 10 per-

cent discounts for those 60

and up!

Xquisite Salon & Spa is

located at 26 Boonton Ave. in

Butler, on the corner of Cary

Avenue, just down the road

from Arkitect Studios. For

more information or to make

an appointment, call 973-838-

3044. Visit online at

www.xquisitesalon.com.


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Xquisite Salon & Spa celebrates one year in Butler


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14/28


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15/28


b lif dl i j O t b 30 2013P 16 Z 3

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The arrival of autumn

ushers in cooler days

and less hours of sun-

shine. As much of the coun-

try turns its clocks back an

hour, night descends that

much earlier, prompting a

greater reliance on artificial

light and electricity. When

the time comes to turn clocks

back, eco-conscious men and

women can employ various

strategies to conserve energy.

Change light bulbs. Tra-

ditional incandescent bulbs

are not the most energy effi-

cient option available. The

United States Department of

Energy says incandescent

bulbs use a lot of energy to

produce light, but a signifi-

cant amount of energy to

produce heat as well. Ninety

percent of the energy used by

incandescent bulbs is given

off as heat, so it is more eco-

nomical and efficient to use a

bulb that cuts down on heat

production. Compact fluo-

rescent lamps, or CFLs, qual-

ified by Energy Star use about

one-fourth the energy and

last ten times longer than a

comparable incandescent

bulb that puts out the same

amount of light. Light-emit-

ting diode, or LED, bulbs are

a much more energy-efficient

option, and LEDs last 25

times longer than incandes-

cent bulbs.

Turn lights off when rooms

arent being used. It can be

tempting to turn on all of the

lights on in a home when

darkness arrives. But this

wastes both energy and

money. Turn lights off when

you exit rooms. Try to gather

the family in a centralized

location that is full of ambi-

ent and task lighting in an

attempt to concentrate light-

ing usage rather than spread-

ing it out all over the house.

Rely on timers or automat-

ed systems. Standard timers

or more complex app-synced

house management systems

enable homeowners to turn

their lights or even appli-

ances on and off at key times.

Those with a smartphone or

tablet can log in and manage

their homes from a remote

location, turning lights on or

off or adjusting their thermo-

stats at their convenience.

Turn down the tempera-

ture. The California Energy

Commission says for every

degree a person lowers the

heat in the 60- to 70-degree

range, he or she will save up

to 5 percent on heating costs.

Set the thermostat low at

night when residents are

under warm blankets and

quilts, and lower the thermo-

stat when the house is empty.

Furthermore, homeowners

can turn down the thermo-

stat on hot water heaters and

even dishwashers, which can

help save as much as 11 per-

cent on water heating costs.

Look to alternative heat

and lighting sources. A

warm, inviting fire can light

up a room and also provide

supplementary heat. Pellet

stoves, or those that burn a

highly concentrated fuel

source that is energy efficient

and environmentally friendly


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Green ways to embrace shorter, colder days


i it b it t lif dl i jOctober 30 2013 Zone 3 Page 17

7/27/2019 221657_1382697135Oct 30 2013 Z3 LOW REZ

17/28

In its annual Cost vs.

Value Report that com-

pares the cost for 35 pop-

ular remodeling projects with

the value those projects

retain at resale, Remodeling

magazine found that the

overall average cost-value

ratio has improved for the

first time in six years. Cost-

recouped percentages in-

creased for all 35 projects

examined for the 2013 sur-

vey, a remarkable turnaround

from just a year earlier, when

only three of the 35 projects

saw an increase in cost-

recouped percentage.

Replacement projects

proved especially beneficial

for homeowners, who likely

also benefitted from a real

estate market that finally

started to stabilize after an

extended period of economic

uncertainty that heavily

influenced both buyers and

sellers.

While an economy on

the rebound no doubt bene-

fitted homeowners looking to

recoup as much of their home

improvement investment at

resale as possible, other fac-

tors likely contributed as

well. For example, homeown-

ers surveyed for the 2013

report who added a backup

power generator recouped

more of their investment

than in previous years. Thats

may prove a worthwhile

investment. Many heating

stoves continue to give off

ambient heat long after their

flames have been extin-

guished. And centrally locat-

ed stoves can heat most of a

home at a fraction of the cost

of traditional forced-air sys-

tems.

Put south and west-facing

windows to use. Place solar-

powered devices next to an

open window during daylight

hours to charge when the sun

is at its brightest. Use solar-

powered lamps, radios and

even phone charges once the

sun sets. Windows that get a

lot of warm sunlight can be

draped in dull, black curtains

to incubate rooms that need

warming. The black fabric

will absorb the suns heat,

naturally heating a room.

Trim shrubs and trees.

Make the most of sunlight

when its available by allow-

ing the suns rays to reach the

interior of the home. Prune

dormant trees and shrubs so

that the home will get plenty

of sunlight.

Spend time outdoors. Make

the most of daylight hours by

spending as much time out-

doors as possible. Read books

outside or do homework at

the patio table, reducing

reliance on indoor lighting.

Sunlight can make ideal task

lighting for arts and crafts

projects as well.

There are many ways to

conserve energy and become

less reliant on artificial light

as daylight hours gradually

dwindle.


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visit our website at www lifeandleisurenj com October 30, 2013Page 18, Zone 3

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Halloween is certainly

known for thespooky decorations

that adorn homes and for the

creative costumes children

put on to canvas the neigh-

borhood. But for many

youngsters, Halloween is all

about the candy.

In just a few hours,

trick-or-treaters can accumu-

late a substantial amount of

assorted chocolates, confec-

tions and other sweet treats.Once everyone has had their

fill of their favorite items,

candy often gets relegated to

a giant bowl on the kitchen

table, where it beckons each

resident who passes by.

Rather than submitting

to the call of the candy and

sacrificing your dental health

as a result, enterprising indi-

viduals can repurpose that

leftover Halloween candy.

INCENTIVES

Parents can store extracandy to use as rewards for

good behavior. Many parents

use sweet treats as rewards for

children learning to potty

train. Rewarding older chil-

dren for a job well done

cleaning up their rooms or as

a special treat for scoring a

good grade on a test also can

be a way to put the candy to

good use.

GINGERBREAD

HOUSES

Christmas is just two

months after Halloween. Put

candy into sealable baggies

and use it come the holiday

season when building ginger-

bread houses. You will have a

variety of different candies

from which to choose and

wont have to purchase any-

thing new in order to deco-rate your creations.

ADVENT CALENDARS

Halloween candy can besaved to make an Advent

calendar. This calendar tradi-

tionally counts down to

Christmas, revealing a date

and a sweet treat behind

each door. Instead of pur-

chasing a readymade Advent

calendar, families can gettogether and make one for a

family craft as a way to recy-

cle Halloween candy.

GOODY BAGS

Candy is a crowd-pleas-

er, and leftover candy can be

used in goody bags doled out

at birthday parties. Keep the

candy well-sealed to store

away until it is needed to fillgoodie bags. Add a few trin-

kets that tie in with the

theme of your party, andyoure all set.

On a similar note, left-

over candy can be used to

stuff a piata for a party.

Piatas are available in many

different themes and styles,

making any occasion ripe for

a piata.

BAKING

Cookies, brownies and

cake bars taste even betterwith peanut butter cups,

chips and chocolate candies

baked inside. Some candy

can be frozen for later use in

baked goods. Baked goods

can be enjoyed by the family

or used for bake sales for

schools and other organiza-

tions.

DONATIONS

Hospitals, doctorsoffices and nursing homes

may appreciate donations of

candy for staff and visitors.You can visit different places

to see if they would appreci-

ate a candy donation.

ADULT BEVERAGES

Hard candies can be

used to add some flavor to

adult beverages. Let the

candy sit in the alcohol for a

few hours and the candy will

dissolve. Use a coffee filter to

strain out any candy rem-nants.

There are many differ-

ent ways to put Halloween

candy to use so it doesnt go

to waste or end up ruining

teeth and waistlines.

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The Rhino Theatre in

Pompton Lakes pres-

ents Les Misrables,

one of the most popular musi-

cals in the world, from Nov.

8Dec. 1.

Les Misrables packs an

emotional wallop that has

thrilled audiences internation-

ally since opening in London

over 28 years ago. Its been seenby over 60 million people in 42

countries and took home eight

Tony Awards including Best

Musical when it first came

to Broadway in 1987.

The timeless master-

piece, based on the novel by

Victor Hugo and made into an

Oscar-nominated film last

year, depicts an ex-convicts

struggle for redemption

against the tumultuous back-drop of the French Revolu-

tion. Hunted relentlessly for

breaking his parole, he must

leave his past behind while

keeping his vow to raise a

young orphan.

Youll be astounded by

the explosion of talent, and

moved by the performances,

said producer Carmela

Wolosz. And the brilliant

songs will keep you engaged

for the entire show.Memorable songs like

Do You Hear the People

Sing, I Dreamed a Dream,

Castle on a Cloud, and

Master of the House lend to

this incredible story of the

human spirit that has made

Les Misrables Broadways

most beloved musical.

Dont miss your chance to

experience this theatrical phe-

nomenon performed live in

v s t ou webs te at j

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Do you hear the people sing?Rhino Theatre presents Les Misrables



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Halloween parties arecommonplace. Full

of frightful decora-

tions and spooky lighting, a

good Halloween party also

features food that plays up the

theme of the evening.

Therefore, Halloween party

hosts will need to get creative

with the type of foods they

serve to ensure a spook-tacu-

lar time.

With a little ingenuity,otherwise mundane foods can

be transformed into some-

thing worthy of a second

look. Here are some creative

ways to turn ordinary food

items into Halloween-

inspired fare for your next get-

together.

GHOSTS IN THE

PUMPKIN PATCH

Using bananas and

clementines or small oranges,you can create the appearance

of ghosts haunting a field of

pumpkins. Peel both the

oranges and the bananas and

place small chocolate chips

into the rounded head of

the banana to create a ghost

face. Use a piece of green

gummy candy or something

that will hold its shape to cre-

ate stems for the orange

pumpkins. Place the ghosts

and pumpkins on a platter orin a bowl for a healthy and

festive snack.

WITCHES BREW

Create a punch recipe

that bubbles and looks like a

witchs evil concoction. Put

two quarts of lime sherbet for

a green punch (or orange

sherbet if you prefer an orange

punch) in a punch bowl. Add

a two-liter bottle of ginger ale

and one can of pineapplejuice. Feel free to float eye-

ball peeled grapes or gummy

worms in the brew for a more

authentic effect. If available,

add a piece of dry ice to the

punch so it bubbles and fizzes.

SUGAR SPIDERWEBS

Spiders and their sticky

webs go hand-in-hand with

Halloween. Create spider-

webs that can be used to

adorn cookies and cupcakesand give them an extra scary

flair.

Use a template of a spi-

derweb and place this tem-

plate under a piece of waxed

paper to serve as your guide.

Use store-bought or home-

made royal icing to pipe out

the shape of the spiderweb on

top of the waxed paper. Allow

to dry until completely hard-

ened, then peel off the paper.

Repeat the process for asmany spiderwebs as you need.

You can use these spiderweb-

sas garnish for a variety of

baked goods, or they can be

eaten on their own.

GHOULISH

GRAVEYARD

What would Halloween

be without a haunted grave-

yard? With a few tasty ingre-

dients, you can recreate this

classic look in a rich dessert.Crush graham crackers

and mix with melted butter

and sugar to create a cookie

crust. Press into the bottom of

a baking pan. Prepare somechocolate pudding to pour on

top of the crust and allow it to

grow firm. Then sprinkle

crushed chocolate cookies on

top to create the appearance

of soil. Push some rounded-

edge, oblong cream-filled

cookies into the pudding to

serve as tombstones. Decorate

with candy worms, gummy

skeletons and any other candy

items that can add to thelook. Black licorice sticks

poked with black licorice

strings can look like dead

trees.

SCARY GRINTurn a whole watermelon

into a jack-o-lantern and fill

with fruit salad. This makes for

a refreshing treat and provides

an alternative to candy. Cut

the watermelon as you would a

pumpkin and hollow out the

insides to use for the salad.

Add sliced berries, grapes,

apples, pears, and any other

fruits you desire.

j

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Pompton Lakes.

Les Misrables runs

Fridays and Saturdays at 8pmand Sundays at 2pm, from

Nov. 8Dec . 1. Ticket prices

are $25 for adults, $23 for

seniors and $20 for children,

plus tax. To order tickets, call

973-248-9491.

The Rhino Theatre is

located at 247 Wanaque Ave.

in Pompton Lakes, right off

Route 287 (exit 55). For

more information, visit

www.rhinotheatre.com.

Do you hear thepeople sing?Rhino Theatrepresents LesMisrablescontinued from previous page


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Leasing commercial

space is a fact of life formany business owners.

The expense of commercial

leasing is considerable, but

cost is not the only factor to

consider when leasing a com-

mercial space. The following

are a few tips for business own-

ers when negotiating their

commercial space lease.Enlist some professional

help. While seasoned business

owners may be able to negoti-

ate their commercial lease on

their own, new business own-

ers often benefit from the

services of real estate brokers

and real estate lawyers. Real

estate lawyers can negotiateyour lease, explaining key

terms and conditions that may

prove confusing to first-time

business owners. Real estate

brokers can help you find the

right location, and many real

estate brokers have a long

working history with land-

lords. Such relationships canmake the negotiating process

easier, and they also can bene-

fit business owners looking for

the best possible location for

their businesses. Real estate

brokers often get first choice

at the most desirable loca-

tions, so teaming up with an

established real estate brokercan increase your chances of

landing a desirable property.

Emphasize affordable renew-

al options. The length of com-

mercial leases favored by small

businesses is often similar to

the length of a lease on a pri-

vate residence. Though the

language might be more com-plex than that of a private res-

idence lease, the length of a

commercial lease agreement is

typically one to two years. But

business owners must be

diligent regarding renewal

PEQUANNOCK $199,000Warmth/character abound in this spacious yetcozy custom home offering H/W Flrs/lots of up-grades & park like property. KIN3951KINNELON/SMOKE RISE 973-838-9300

KINNELON $1,195,000Smoke Rise-Stunning 14 Rm/5BR/5.1BA CHCat end of cul-de-sac/pool w/waterfall/summerKit./3C Gar. & more. KIN3826KINNELON/SMOKE RISE 973-838-8400

MORRISTOWN $1,149,990Morristown Sq NEW constr stunning end unit2800sf townhome w/open flr plan, 3BRs, 2.5Bths,spectacular custom finishes. WYN0713

WAYNE 973-694-8000

POMPTON PLAINS $239,900Immaculate 2nd fl 2BR condo in The Glensw/vaulted ceilings, Brkfast Bar, priv balcony.Pool, clubhouse, tennis. WYN0748

WAYNE 973-694-8000

POMPTON LAKES $299,000Custom 3BR 2.5Bth Exp Ranch w/LR/fplc, FDR,full front porch, screened rear porch, fin bsmt +2GAR. WYN0562

WAYNE 973-694-8000

WANAQUE $334,990Wanaque Reserve NEW construction at 55+ ac-tive adult comm, 768sf 2BR 2Bth unit. Impres-sive 20,000sf clubhouse! WYN0816

WAYNE 973-694-8000

WAYNE $419,900Pristine Breckenridge 2BR 2.5Bth unit w/marbleentry, open fl plan, FDR & DR, EIK, FamRm, lgMBR, Terrace over looks gardens. WYN0836

WAYNE 973-694-8000

WAYNE $429,900Premier 3BR 1.5Bth home on golf course cul-de-sac loc w/nwr Kit, Roof, Deck+AC, LR/fpl, FamRm,updtd wdws elec, furnace, MORE! WYN0806

WAYNE 973-694-8000

WAYNE $494,800Fabulous loc! Spacious 3BR 2.5Bth Ranch styleend unit w/Gmrt Kit, gorgeous MBth, 2GAR,MORE. Great lifestyle-Tennis & Pool! WYN0674

WAYNE 973-694-8000

WAYNE $549,900Open, bright & spacious 5BR 3.5Bth Splitw/updtd Kit, HW fls, CA & MORE in one of themost desirable areas in town! WYN0811

WAYNE 973-694-8000

WAYNE $825,000Custom built 5406sf 5BR 4.5Bth CH Colonialon cul-de-sac. w/finished in-law-suite, 3GAR,huge backyd & hot tub. WYN0741

WAYNE 973-694-8000

WAYNE $839,900Beautiful custom 12yr young Colonial loc oncul-de-sac w/6BRs, 5Bths, 6000sf of livingspace incl fin bsmt + IG Pool! WYN0724

WAYNE 973-694-8000

CLIFTON $799,000Stunning updtd 3BR 2.5Bth Custom w/HW flsthruout, Kit & Bth heated fls, wood accents, IG

pool, MORE SMART technology home. WYN0831WAYNE 973-694-8000

KINNELON $355,000Fayson Lks-Charm/Character throughout thiscust. home, cul-de-sac, close to beach. 4BRS/2

full Bths. KIN2141KINNELON/SMOKE RISE 973-838-8400

KINNELON $375,000Fayson Lks-Custom 3BR/2.1BA home w/winterviews/renovated 1997. KIN3529

KINNELON/SMOKE RISE 973-838-9300

KINNELON $499,000Smoke Rise-Wonderful 2BR/2.1BA Cape w/nu-merous renovations 2010-203/2C Gar./excellent

curb appeal. KIN3946KINNELON/SMOKE RISE 973-838-8400

KINNELON $539,000Smoke Rise - Spacious, Bright & clean 4BR,2.2BA make this home your own/freshly painted

interior/exterior. KIN3780KINNELON/SMOKE RISE 973-838-8400

KINNELON $550,000Smoke Rise-Exceptional 1.33 AC level propertyready to be built on. Septic system & well in-

stalled. House plans avail. KIN1296KINNELON/SMOKE RISE 973-838-8400

KINNELON $579,000All brick spacious 4BR/2.1BA Ranch w/charm-ing front porch/W/O lower level/2C Gar.KIN3924KINNELON/SMOKE RISE 973-838-8400

KINNELON $599,000Great Price-Turnkey 4BR/3.1BA CHC. H/W Flrs.,FP, Crown Moldings; 2C Gar.; above groundPool. KIN3094KINNELON/SMOKE RISE 973-838-9300

KINNELON $675,000Fabulous 5BR, 3BA CHC w/Contemp. flair. SSAppl, Great Rm w/brick FP, skylights, lge Deck,3C. Gar. KIN3685KINNELON/SMOKE RISE 973-838-9300

PEQUANNOCK $275,000Renovated Col. offers 4/5BRS, 2BA located ona deep level lot close of highways, shopping,restaurants, public transp. KIN3770KINNELON/SMOKE RISE 973-838-9300

KINNELON $1,650,000Smoke Rise:Spectacular cust. estate w/unparal-leled finishes/detail & design. 14Rm FrenchCountry Est. KIN3755KINNELON/SMOKE RISE 973-838-8400

LINCOLN PARK $279,790Deer Run Golf Club 2BR 2.5Bth twnhm w/realHW fls, fplc, new W/D, FLR & DR, SunRm, EIK& more in Pet Friendly community. WYN0767

WAYNE 973-694-8000

Negotiating a commercial lease that works for you



7/27/2019 221657_1382697135Oct 30 2013 Z3 LOW REZ

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options and the cost of suchrenewals. Come the end of

your lease terms, you don't

want to be met with a consid-

erable and unexpected hike in

rent just as your business is

starting to take off. Work to

get the most favorable renew-

al options possible so more of

your operating budget can go

into your products and not

toward your lease.

Pay attention to extra fees.Many commercial leases

include fees in addition to the

monthly rent. Maintenance

fees are common, and there

may even be a separate set of

maintenance fees when shar-

ing commercial space. When

negotiating your lease, ask to

see a list of the costs and fees

current tenants typically incur

each month. When discussing

maintenance fees, confirmwho must pay for less routine

maintenance, such as hvac or

plumbing repairs, and be sureto get such information

included in the lease.

When discussing such

fees, inquire about utility costs

as well. Utilities are often the

responsibility of the tenant,

but it still behooves business

owners to confirm who will be

paying the monthly utilities.

Negotiate an exclusivity

clause. Business owners often

don't want their competitorsto move in across the street,

and they certainly don't want

them to move into the same

building. Protect your business

from such a development by

negotiating an exclusivity

clause into your lease. Such

clauses prevent landlords from

leasing other spaces on the

property to your competition.

Carefully read the default

language. Before signing a

likely because heavily publi-

cized storms, such asSuperstorm Sandy in late

2012, have forced homeown-

ers and prospective home-

owners to place a greater

emphasis on being prepared

for such storms.

Among the upscale

projects surveyed, nonerecouped more of a home-

owners investment than

replacing existing siding

with fiber-cement siding.

Homeowners who financed

such a project recouped 79.3

percent of the projects cost,

placing it just ahead of agarage door replacement,

which recouped an average

of 75.2 percent of its cost.

After years of many

home improvement projects

recouping little of their ini-

tial costs at resale, the tide

finally seems to be turning

for homeowners. More infor-

mation about the 2013 Cost

vs. Value Report is available

at www.remodeling.hw.net.

Home improvement projects recouping more at resale

MARIA FERRITO

973-986-6914 Cell

[email protected]

NJAR MILLION DOLLARSALES CLUB 2001

NJ CIRCLE OF EXCELLENCE2002-2012Consistent

TOP PRODUCERin the WAYNE area.

Townhome SpecialistRelocation Agent

CallMARIA FERRITOfor CURRENT MARKET

VALUE OF YOUR HOME

SHORT SALE AGENTOwe more than your

home is worth?WAYNE $474,999

CONTRACTOR'S DELIGHT!

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

Private secludedlot, detached

oversized garagewith loft.

973-838-10011333 Route 23 South BUTLER

www.c21preferredrealty.comJeff MontemaranoMaryann Brown

Brokers/OwnersPREFERRED REALTY, INC. Each office is independently owned and operated.

WEST MILFORD$15,000

COUNTRY SETTINGLarge buildable lot located in a

residential area.

BUTLER$425,000

CUSTOM HOME

Custom 4BR/ 3BA., Beautiful hdwdfloors. Kit w/center island. Uniquecustom fireplace. Easy access to routes

23 & 287. Convenient to NYCtransportation and shopping.

BUTLER$429,000

NEW CONSTRUCTIONColonial 4BR, 2.1 BA, 2 car gar., custKit w/sitting area off Kit, FR w/FP, lrgbrms, plenty of closets. Gazabo rm offKit. Open flr plan, HW flrs, 9 clgs. +

sliders off FR to very lrg deck.

WEST MILFORD$284,500SPACIOUS

55+ Adult Community. Open floor plan.Formal living + dining space. FP, kit w/sepa-rate dining area. Lrg storage room, lrg cedarcloset, high ceilings and Office/ Den/FR. In

a great location. Call for details.

HASKELL$369,900

LAKEFRONTImmaculate Lakefront multi-family. Greatlocation, close to major routes/shopping.Great investment opportunity w/projected

income of $1,325/m per unit.

BELLEVILLE$289,000

TWO FAMILY HOME

Income producing property. Beautiful tree-lined street, 8 rooms total, 4 BR, Eat-InKitchen, 2 car garage, plenty of additional

off-street parking. Full high basementw/access to exterior.

BUTLER$324,900

EXPANDED RANCHUpdated 3BR ranch. Large great room

w/vaulted ceiling & French doors to ledeck. FLR w/ fpl, Kit has separate

dining area tiled floor. Lwr level is finishedwith lrg rec room, laundry room,

and storage room.

LINCOLN PARK$225,900

DONT HESITATEYoull feel right at home the moment you

step into this lovely 3BR/ 2BA Cape Codhome. This home features a LR, DR, Eat-InKitchen w/ gas stove and dishwasher andfull basement. Large level fenced in rear

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WEST MILFORD$250,000

OAK RIDGE LOCATION4 bedrooms, 2 bath, 2 car garage.Large level lot. Close to Rt. 23 &Shopping. Make an offer today!

MONTCLAIR$259,000

MULTI-LEVEL CONDO2 BR w/walk-in closets. High ceilings, hwfloors, large windows w/ great views of

the city and lots of natural light.Surrounded by restaurants,

shopping & nightlife.

WAYNESTARTING AT: $889,000

NEW CONSTRUCTIONNew 9 Lot Subdivision of Custom Homes with only 3 left. S ome of the features include

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BLOOMINGDALE$179,999

CONVENIENT LOCATIONTake a look & make an offer. 4BR, 1BACape Cod Home. Convenient location. Thishome can shine with some TLC & upda ting.

Large level yard. Full basement. Largestorage room upstairs.

KINNELON$439,000

FAYSON LAKESBeautifully maintained Colonial Cape in

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LAKEFRONT LOTWith Foundation. New 3

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BLOOMINGDALE$329,000

NEWLY RENOVATEDRecently renovated and sparkling clean.This house has an open floor plan. Justunpack your bags and move right on in!

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Negotiating a commercial lease thatworks for you




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commercial lease, business

owners must familiarize them-selves with the default lan-

guage therein. Determine

what happens if you default on

the lease, including if you will

be locked out upon your first

missed payment and if the

landlord will immediately ini-

tiate eviction proceedings in

such instances. Many com-

mercial leases also includelanguage stating tenants are

responsible for any legal fees

landlords accrue in the case of

a default. Though it might be

difficult to negotiate the

default language in a lease,

business owners should still

know that language prior to

signing a lease.

Negotiating a commercial lease that works for you

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7/27/2019 221657_1382697135Oct 30 2013 Z3 LOW REZ

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FREE DELIVERY973-227-0513

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221657_1382697135oct 30 2013 z3 low rez

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