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

    May 15, 2013

    Zone 1, Vol. 11, No. 10

    The Official Paper of Wayne Day

    PRSRTSTD

    U.S.POSTAGE

    PAID

    PHILAPA191

    PERMIT6752

    Life&Leisure,LLC

    234MainStreet,2ndFlo

    or

    LincolnPark,NJ07035-1787

    WOMENTODAY

    SEE PAGE 8

    Memorial Day is the

    day when Americans

    remember and honor

    military personnel who lost

    their lives while serving their

    country. Though its unofficial

    designation as the start of sum-

    mer makes Memorial Day

    weekend a time of celebration

    for many people, the families of

    fallen and active service mem-

    bers often find Memorial Day

    weekend has its fair share of

    heartache as well.

    Families of fallen service

    members tend to find solace in

    ceremonies honoring those

    who made the ultimate sacri-

    fice. But there are other ways

    civilian men and women can

    honor both active and fallenservice members in their com-

    munities.

    Participate in community

    events that honor fallen service

    members. Many communities

    host Memorial Day parades to

    honor fallen soldiers. It can be

    Wayne Day

    The OfficialPaperofWayne Day

    VISITUSONOURWEBSITE

    SeeOurCenterfoldforFestivalMap&Events

    will be here Sunday,June 9. If you have not

    reserved your

    booth, go towww.wayneday.comand get your

    application in now!

    Help families of fallen andactive service members this

    Memorial Day

    continued on page 10

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    NOTE:To have your groups announce-ment appear in Community Happenings,please e-mail your paragraph to calen-

    [email protected].

    MAY 15

    Annunciation Church invites you toattend a dramatic presentation ofWomen of the Bible by nationallyacclaimed Christian actor AnitaGutschick on Wednesday, May 15 at7:30pm. Anita will dramatize the lives

    of three different Biblical women. Comeexperience their stories as they reachacross the generations to touch our

    hearts and empower us to face the chal-lenges of our daily lives. You will laugh

    with these women, cry with them, and

    see yourself in their stories.Refreshments served after perform-

    ance. Tickets-$10. Annunciation Churchis located at 45 Urban Club Rd., Wayne.For more information contact Dale at973-633-0624.

    Sunshine Prosthetics and Orthoticlocated at 1700 Route 23N, #180, inWayne is having a Drop Foot FreeScreening Day on Wednesday, May 15from 9am-4pm. Do you have troublewalking or using your hand as a resultof Stroke, Multiple Sclerosis, Brain

    Injury, Spinal Cord Injury or CerebralPalsy? Bioness wireless technologies

    may help you regain independence andget back into a more activelifestyle. For more information call

    973-696-8100 or visit our websitewww.sunshinepando.com.

    MAY 18

    The Dey Mansion/WashingtonsHeadquarters Museum, located at 199Totowa Rd in Wayne will be hosting asecond Military Time Line Event onSaturday, May 18 at 11am-4pm.Admission to the museum is $5.00 perperson; children under 5 years of ageare free of charge. For more informa-

    tion please call the Dey Mansion at 973-696-1776.

    MAY 19

    The McKenna School of Dance will becelebrating its 64th anniversary of

    teaching dance in the Wayne area withthe ballet production of Alice inWonderland and will be preceded bythe variety production of The Great

    Outdoors. Performances are Saturday,May 18 at 7pm and Sunday, May 19 at2pm at the Wayne YMCA on Pike Drivein Wayne. For more information pleasecontact The McKenna School of Dance at973-628-1676 or visit our website atwww.mckennaschoolofdance.com.

    MAY 24Wayne Elks Auxiliary presents BuncoNite on Friday May 24 at6:15pm; games begin at 7pm.Donation-$7 which includes; admission,coffee, tea, dessert and lots of

    fun. Everyone is a winner. Call Joyce toreserve your spot at 973-956-8956.

    MAY 29

    On May 29 at 7pm in the Robert R.Lazar Gymnasium located at 123Changebridge Rd, Montville, the LazarBand Program is going to have its veryfirst fundraiser. The groups to performare the LMS Flute Choir and LMS JazzBand culminating the evening with

    Montvilles own student band Take aChance comprised of Lazars very ownstudents and a headline appearance byFridays @ 4 the Lazar Faculty Rock

    Band. Suggested donation will be $5.00at the door and there will be a conces-sion stand available throughout theevening. All proceeds will go to theLazar Band Program. Come out to sup-port this worthy cause and listen to

    some great tunes brought to you by themany talents at Robert R. Lazar MiddleSchool for both the students and teach-

    ers alike.Around theCommunity ...Wayne Presbyterian Church will beholding their annual church-wide

    garage sale. The sale, which is open tothe public, is Friday, May 17 from68pm and Saturday May 18 from9am-3pm. $5 fee for adults on Friday

    for prime pickings. Merchandise willinclude: toys, books, furniture, jewelry,household items, clothes and muchmore. Baked goods sale both days.Admission free on Saturday. A bag sale

    visit our website at www.lifeandleisurenj.com May 15, 2013Page 2, Zone 1

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

    Lincoln Park, NJ 07035 973.696.8008

    Publisher: Joe Pellegrino Editors: Bethanne Pellegrino & Kenneth Nicholas Art Director: Robin Banta Graphics: Mary Lalama

    Sales: Lisa Buniewski, George Papendick, 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 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. 2013 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.

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    Life insurance is perhapsthe most-bought, least-

    understood product in

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    chased and benefits paid out

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    billion dollar industry. Are

    you getting your moneysworth? Not sure? Read on,

    please.

    Should I purchase the

    cheaper premium term insur-

    ance variety or embrace cash

    accumulation with whole life?

    Universal life offers a bit of

    both features, yet there areother products available such

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    life. All of this is very confus-

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    attributes to brag about and

    detriments. However, onething is sure: virtually every-

    one benefits from owning life

    insurance. Thats right the

    insured can benefit from own-

    ing a policy by living! Today, a

    life insurance policy can bene-

    fit the insured in many ways.

    First, the policies of today

    have the ability to have accel-

    erated benefits that

    will pay a portion of

    the death benefit for adiagnosis of either

    chronic or terminal ill-

    ness. Should the

    insured be unable to

    perform the activities

    of daily living such as

    bathing, feeding,

    transferring from room

    to room, dressing and

    toileting, or suffer a

    cognitive impairment,

    a life insurance policycan be counted on to

    help defray the cost

    of long-term care.

    Similarly, if an insured devel-

    oped cancer with a terminal

    diagnosis, the death benefit

    could be partially paid in

    advance of death. The dollars

    could be used for a variety ofreasons to benefit the insured

    before the end.

    In addition, under current

    record-breaking low interest

    rates, cash value insurance out-

    performs other fixed principal

    investment strategies like

    banks, money markets, CDs

    and savings bonds and its

    tax-deferred to boot! Thats

    right, earn a higher crediting

    rate and defer the taxes into

    the future.

    But wait, there is still

    more. A life insurance policy

    may be structured as a private

    pension plan from which the

    owner could withdraw the cash

    accumulation to produce a sup-

    plemental retirement income

    stream, complimenting an

    IRA, 401k and social security.

    visit our website at www.lifeandleisurenj.com May 15, 2013Page 4, Zone 1

    Not just another article about life insurance By Mark Charnet

    continued on page 28

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    visit our website at www.lifeandleisurenj.comMay 15, 2013 Zone 1, Page 5

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    will be offered on Saturday from 1-3pm: for $5 you can fill a bag with as

    many things as it will hold! WaynePresbyterian Church is located at 1200Alps Rd, at the corner of Ratzer Road, inWayne. For more information, call the

    church office at 973-694-7109or visit our website at www.WaynePresbyterian.org.

    Preakness Bible Church, 1108Preakness Ave, Wayne welcomes boysand girls of Wayne to their VBS July 22-26 from 9:30am-12pm. This years

    theme is Kingdom Rock, the epic adven-

    ture that empowers kids to stand strong.Here, Gods victorious power isnt a

    fairy tale- it changes kids forever. Eachday consists of games, crafts, snacks,story time, songs, skits, and lots of fun.

    An article in Januarys

    issue of General

    Dentistry indicates

    that obesity may be a risk fac-

    tor for gum disease.

    The correlation stems

    from the fact that obese peo-

    ple produce a higher level of

    cytokines, which are proteinswith inflammatory properties.

    These proteins then injure the

    gum tissues or lower blood

    flow to the gums, making way

    for gum disease.

    Half of all Americans 30

    or older are impacted by gum

    disease. Gum disease also pro-

    duces a high level of

    cytokines, resulting in a larger

    amount of inflammatory pro-

    teins in the bloodstream. Gumdisease eventually initiates

    other inflammatory diseases

    throughout the body. There

    are many studies relating gum

    disease to cardiovascular dis-

    ease, heart disease, diabetes,

    arthritis and others.

    Visiting the dentist on a

    regular basis is the best way to

    detect gum disease or to deter-

    mine whether you are at ahigher risk for the disease.

    Removing plaque by brushing,

    flossing and mouth-rinsing

    will also aid in prevention.

    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. Youmay reach him by calling 973-

    838-5862 or visit him on the

    web at www.drbrusco.com.

    visit our website at www.lifeandleisurenj.com May 15, 2013Page 6, Zone 1

    Being overweight maybe linked to gumdisease By Peter Brusco, DMD

    The teens of Holy Resurrection Orthodox Church in Wayne were honored recentlyby a visit from their Diocesan Bishop, His Grace, Bishop Michael Dahulich. He was one of the

    presenters at their recent Lenten Retreat.

    Community Happeningscontinued from page 2

    continued on page 11

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    visit our website at www.lifeandleisurenj.comMay 15, 2013 Zone 1, Page 7

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    visit our website at www.lifeandleisurenj.com May 15, 2013Page 8, Zone 1

    Once a person is diag-

    nosed with a terminal

    illness, the only thing

    that can be done is to make

    them as comfortable as possible

    as they near the end of their

    lives. For Hannah Fisher, how-

    ever, comfort is just not enough

    for her patients. It is often nec-

    essary for medical professionals

    and social workers to remove

    themselves emotionally from

    difficult situations, but Hannah

    Fisher makes an emotional

    investment in her patients

    lives. Her dedication and com-

    passion have earned her the

    2013 New Jersey Hospice and

    Palliative Care Award for hos-

    pice social worker of the year.

    Congratulations Hannah!

    Hannah, 42, graduated

    with a masters degree in social

    work from Fordham University.

    While in college, she experi-

    enced her own loss and began

    to understand that hospice care

    is as much for the family as it is

    for the patient.

    Her career in social

    work began at Hackensack

    University Medical Center.

    She was aware that her skill set

    would be best suited to hospice

    care. Hospice is a set of services

    that help the patient and fami-

    ly cope with the effects of ter-minal illness. The goal of hos-

    pice is to enhance the quality

    of life for patient and family,

    and allow patients to spend

    their remaining time in their

    home or in a home-style envi-

    ronment. Hannah started

    working weekends at the

    Hospice of New Jersey until six

    years ago, when a full-time

    position became available. It

    was the best move Ive evermade, said Hannah. And to

    many in hospice, Hannahs

    service has meant the world.

    For the young 8-year-old

    whose father was dying in

    Hannahs unit, she made

    death seem like a natural tran-

    sition. On one of the fathers

    last nights, Hannah planned

    an overnight pajama party

    with popcorn, art activities,

    goody bags filled with surpris-

    es, and a book that helps chil-

    dren cope with a dying loved

    one. The mother and child

    were able to sleep comfortably

    next to the dying man during

    the end of his life. While the

    loss was hard, the 8-year-old

    now has good memories of her

    fathers final sleep.

    For the 19-year-old

    underprivileged man, Hannahwent out of her way to make

    sure he had his basic needs.

    She bought him underwear,

    sweatpants and T-shirts so he

    wouldnt have to wear a hospi-

    tal gown and diapers. Hannah

    was able to make him com-

    fortable and to help maintain

    his dignity. She even ordered

    a Thanksgiving dinner for the

    man and his family.

    Hannah sets the pacefor patient care excellence in

    word, deed and commitment.

    Her problem solving skills

    always start and end with

    the patients needs, said

    Maryanne Bressan, director of

    operations for HONJ.

    Throughout her career at

    the Hospice of New Jersey,

    Hannah has been the recipi-

    ent of the Silver Award for the

    Andrew Parker Award, given

    by American Hospice toemployees who emulate

    founder Andrew Parker by

    promoting, providing and

    advocating for patients.

    For more information on

    the Hospice of New Jersey, visit

    www.americanhospice.com or

    www.njhpco.org. The Hospice

    of New Jersey is the leading

    hospice provider in delivering

    passionate, competent and

    comprehensive end-of-life care

    in New Jersey and the sur-rounding communities.

    Clifton resident named hospice social worker of the year

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    comforting to the families of

    fallen soldiers to see fellow

    members of their community

    attend the parade and public

    memorials. Such civilian sup-

    port lets family members of fall-

    en soldiers know that fellow

    members of their community

    appreciate and do not forget

    the sacrifices made by their

    loved ones.

    Include families of fallen

    and active service members

    in your weekend activities.

    Memorial Day weekend is a

    three-day weekend at the end

    of May, when the weather is

    warming up in much of the

    country. The weekend marks

    the return of backyard barbe-

    cues and pool parties, and such

    events are a great opportunity

    for civilians to invite the fami-

    lies of fallen service members

    over to share some fun in the

    sun. Memorial Day can be an

    especially difficult time for the

    loved ones of fallen service

    members, and even the few

    hours of relief that a barbecue,

    pool party or picnic can pro-

    vide can make a welcome

    respite from an otherwise diffi-

    cult weekend.

    Make a charitable dona-

    tion. Numerous charities exist

    to support the families of fallen

    soldiers, injured soldiers or

    even those families struggling

    while a family member is on

    active deployment. Donations

    do not have to be financial.

    The Hero MilesSM program,

    for example, allows men and

    women to donate their fre-

    quent flier miles to wounded,

    injured or ill service members

    or their families. This allows

    service members who meet cer-

    tain criteria to be given a

    round-trip airline ticket from a

    medical center to their home or

    to attend an authorized event.

    In addition, service members

    can give a round-trip ticket to

    enable family members or close

    friends to visit them while they

    are receiving medical treat-

    ment. Since its inception, the

    program, which is administered

    by the nonprofit Fisher House

    Foundation, has provided more

    than 36,000 airline tickets,

    worth more than $55 million.

    To learn more, visit www.fish-

    erhouse.org.

    Organize events in your

    community. Every community

    benefits from the efforts of

    active service members and the

    efforts of those service members

    who gave their lives in service of

    their country. Men and women

    who want to express their grati-

    tude for such service can organ-

    ize events to do just that. Speak

    to local merchants and encour-

    age them to offer discounts to

    military members and their fam-

    ilies throughout Memorial Day

    weekend. Or organize an ice

    cream social for the children of

    active or fallen service mem-

    bers. Such events can be uplift-

    ing for the families of service

    members while raising commu-

    nity awareness of the important

    role our soldiers play.

    Have a safe and happy

    Memorial Day. And to all our

    military service members, past

    and present thank you!

    visit our website at www.lifeandleisurenj.com May 15, 2013Page 10, Zone 1

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    The Thunder Fitness team was made up with of 35 people of alldifferent ages and fitness levels. They had a blast on that sunny

    Saturday morning and cant wait until the next race!

    Team TF came in first for the largest co-ed team, first for the largestall-female team and first for the largest all-male team. Lonnie

    ORourke and Donna Meeker-ORourke came in first for the fastestcouple. Each also came in first in their respective age groups, Lonnie

    with a time of 22:24 and Donna with a time of 22:48. Brittany DePree came in second in her age group (26:12), Melissa Woodard

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    age group (28:38), Rosa Ramirez came in third in her age group(30:58) and Pat Ledford came in first in her age group (1:02:27).

    Jeremie Guarderas is a certified personal trainer and the owner of

    Thunder Fitness. He has been getting people in tip-top shape forclose to 10 years now. His training methods are second to none.

    He cleans up diets, he increases fitness levels and he absolutely loves

    what he does! If you are looking to get into a brand new body,Jeremie is your guy! Contact him today for a free week trial:

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    K-7th grade. Register on our website atpreaknessbiblechurch.org. This event isfree.Whether you are still suffering fromthe bleak memories of war or haveresolved to put it all behind you, PointMan Ministries is for you. Point Man isnot a social club of old war heroestelling war stories, it is a Christian min-istry dedicated to helping veterans findpeace with themselves and the worldaround them. If you are doing fine afterthe war, thats fantastic but dont forgetabout your buddies who are still suffer-

    ing. Your encouragement could meanthe world to them. Find out how you canhelp. Call Barry Jensen at 973-809-9665. Point Man Ministries meets thefirst Thursday of every month from7:30-9:30pm at Cornerstone Chapel620 Route 23 North, Pompton Plains.Visiting Angels in association with TheAlzheimers Foundation of America isoffering free year round memoryscreenings. Free and confidential

    screenings are held from 2-4pm everythird Wednesday of each month exceptfor November. Call and make yourappointment today at 973-839-3761.All screenings are held at the VisitingAngels office at 2190 Hamburg

    Turnpike, Wayne.Individuals providing care to spouseswho are chronically ill or incapacitatedare invited to join Jewish Family Serviceof North Jerseys spousal caregiverssupport group. Caregivers are a veryimportant part of a healthcare team,but they may also face stress and per-sonal challenges that come with caringfor a loved one. Stress from caring fora spouse can manifest in a number ofways ranging from financial burden,exhaustion, household disruption, socialisolation, and even personal healthcrises. The group is being facilitated byMelanie Lester, LSW. If you or someone

    you know is interested in joining thegroup, or would like more information,please contact Melanie Lester [email protected] or call 973-

    595-0111. Pre-registration is required.The Golden Age Circle of Wayne, Inc.(GACW) is an active non-profit seniorgroup sponsored by the WayneDepartment of Parks and Recreationthat meets every Thursday at 1pm inthe PAL Building, 1 PAL Drive in Wayne.Coffee is served after each regularmeeting and members enjoy an after-noon of fellowship. Day trips andovernight trips are scheduled through-out the year, certain meetings host spe-

    cial speakers, and bingo is played foronly GACW members one Thursday dur-ing each month. To qualify as a mem-ber, you must be a Wayne resident of atleast 50 years of age. Yearly dues are$7. For more information, call Val

    visit our website at www.lifeandleisurenj.comMay 15, 2013 Zone 1, Page 11

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    Community Happenings

    continued from page 6

    continued on page 18

    These heroes are dead. They died for liberty - they

    died for us. They are at rest. They sleep in the land

    they made free, under the flag they rendered stain-

    less, under the solemn pines, the sad hemlocks, the

    tearful willows, and the embracing vines. They sleep

    beneath the shadows of the clouds, careless alike of

    sunshine or of storm, each in the windowless Place

    of Rest. Earth may run red with other wars - they are

    at peace. In the midst of battle, in the roar of

    conflict, they found the serenity of death. I have

    one sentiment for soldiers living and dead: cheers

    for the living; tears for the dead.

    Robert G. Ingersoll

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    Bringing a new dog home

    from an animal shelter is

    an exciting experience.

    Dogs can bring a lot of joy and

    energy into a household, quick-

    ly becoming a treasured mem-

    ber of the family.

    Adjusting to life with a

    newly adopted dog is not

    always smooth sailing, as mem-

    bers of the household often

    deal with a transition period as

    they grow more acclimated to

    the responsibility of pet owner-

    ship. The following are a few

    tips to help new dog owners

    make their transition to pet

    ownership go more smoothly.

    Emphasize routine. Rou-

    tine makes dogs more comfort-

    able and can make things easi-

    er on new dog owners. Get up

    and go to bed at the same time

    each day, and schedule walks

    and play time at the same time

    each day as well. As the dog

    grows more acclimated to your

    home, you can gradually vary

    your own schedule, but try to

    stick to the walking and play-

    time schedule for your dog as

    much as possible. Anxiety is a

    significant issue for many shel-

    ter dogs, but sticking to a rou-

    tine can help lower that anxi-

    ety significantly.

    Visit the veterinarian

    within days of the adoption. A

    visit to the vet is necessary

    even if your dog has received

    all of its necessary vaccinations.

    The vet can examine the dog

    and give advice on diet and

    exercise, which is especially

    valuable information for those

    owners who have never before

    owned a dog. In addition, a vet

    might direct purebreds to a col-

    league who specializes in that

    particular breed. Such vets may

    be more specific when recom-

    mending a diet or exercise regi-

    men, which can help the dogs

    long-term health.

    Gradually alter diet.

    Many shelter dogs were on

    poor diets before they came to

    the shelter, and the shelter or

    your veterinarian might suggest

    changing that diet. Adapting

    to a new diet wont necessarily

    be easy for your dog, but grad-

    ual changes often ease this

    transition. For example, if the

    dogs diet must change com-

    pletely, dont change it all in

    one day. Gradually mix old

    food with the new food over

    the course of several days,

    adding more new food and sub-

    tracting more of the old food

    each day. By the fourth or fifth

    day, the dogs diet should con-

    sist entirely of the new food

    recommended by your vet.

    Behave yourself. The first

    few days with a new dog can go

    a long way toward making the

    pooch feel comfort-

    able or uncomfortable

    in its new home. If

    you have never

    owned a dog in the

    past, expect the dog

    to have some anxiety

    in the first few days.

    This anxiety can

    manifest itself in a variety of

    ways, including chewing furni-

    ture, going to the bathroom

    indoors or general restlessness.

    Its easy to overreact to such

    manifestations, but control

    your temper and manage to dis-

    courage inappropriate behavior

    without getting angry. If you

    can successfully manage a dogs

    initial anxiety as it transitions

    to its new home, the dog is

    more likely to behave properly

    as time progresses. But if you

    allow your disappointment or

    temper to get the better of you

    in those first days after the

    adoption, your chances of suc-

    cessfully transitioning the dog

    to your home will decrease sig-

    nificantly.

    Adopting a shelter dog is

    a great way to add a new and

    loving member to your family.

    Though some transitions are

    more difficult than others,

    owners who keep calm and

    work to reduce their dogs anx-

    iety are likely to treasure their

    new addition for years to come.

    Dr. Matthew Krupnick is the

    owner of the Pequannock Ani-

    mal Hospital. He grew up in

    Kinnelon and is happy to be

    home with his wife, three cats,

    and two dogs to provide quali-

    ty and compassionate care for

    pets in the community. The

    Pequannock Animal Hospital is

    located at 591 Newark

    Pompton Turnpike in Pompton

    Plains. You can reach the hospi-

    tal by calling 973-616-0400.

    visit our website at www.lifeandleisurenj.com May 15, 2013Page 12, Zone 1

    WHERE YOUR

    PET IS FAMILY

    Dr. Matthew Krupnick, D.V.M.

    Full Service Animal

    Hospital, Specializing

    in Cats & Dogs

    Complete Medical,Dental & Surgical

    Services On Premises

    Caring & Competent Staff

    591 Newark Pompton Tpke.

    (near Friendly's)

    Pompton Plains, NJ

    973.616.0400

    Hours: Mon 8-6pm Tues 8-4pm

    Wed 8-7pm Thurs 8-6pm

    Fri 8-5pm Sat 8-12pm

    FREE ExamNEW CLIENTS ONLY.

    Limit 1 per pet.

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    OpenSaturdays

    www.PequannockVet.com

    Adjusting to life with your newly adopted dogBy Matthew Krupnick

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    Many schools are

    imposing strict re-

    strictions on prom

    attendance. While adminis-

    trators cite safety as the pri-

    mary reason for such restric-

    tions, many graduating stu-

    dents are not happy with the

    babying behavior.

    For most prom goers, the

    rituals for this special night

    include formal wardrobe,

    taking photos, riding togeth-

    er with friends, and the pur-

    chase of corsages or other

    small trinkets of affection.

    But many students now find

    they have to go through a

    checklist of potential donts

    before they can receive entry

    to the prom.

    AGE LIMITS

    Age limits are imposed

    on many things, including

    entry to movies and clubs, to

    purchase alcohol or tobacco

    products and to obtain dri-

    vers licenses, to name a few.

    Such restrictions have, in

    many cases, been put in place

    to keep young people from

    engaging in risky behavior.

    Students going to the prom

    may find that their school

    places restrictions on who

    they can they bring as a date,

    especially according to age.

    Many schools set a cut-off

    where individuals age 21 or

    older are not allowed to

    attend. This is likely because

    it limits the chances of alco-

    hol being introduced into

    the dance. Also, for legal rea-

    sons, there may be restric-

    tions on students under the

    legal adult age bringing

    someone older to the dance.

    WARDROBE

    Although many males

    and females may be following

    the fashion trends currently

    dictated by Hollywood and

    beyond, not all choices may

    be acceptable at school. In

    2010, more than a dozen stu-

    dents at Oxford High School

    in Alabama were disciplined

    for dress code violations

    thanks to their choices in

    prom gowns.

    Students may find dress

    code policies prohibit

    dresses that are too

    short above the knee,

    ones that show cleav-

    age below the breast-

    bone or materials that

    are sheer or too

    revealing. Depending

    on the school, there

    also may be limits as

    to what girls and guys

    are allowed to wear,

    such as no tuxedos or

    suits for the girls and

    no dresses for the

    guys.

    Schools that im-

    pose a dress code may

    mail home advise-

    ments of the policy, or

    it may be up to the students

    to find out the restrictions

    from administration.

    ALCOHOL SCREENING

    In an effort to prevent

    drunk driving injuries and

    fatalities, some schools have

    implemented alcohol screen-

    ing procedures. Alcohol-

    related crashes are one of the

    leading causes of death come

    prom time. Also,

    alcohol is said to reduce peo-

    ples inhibitions, which can

    increase risky behavior, such

    as having unprotected sex.

    Students who

    attended the

    Saratoga Springs

    High School Prom

    in 2011 had to

    submit to an alco-

    hol screening to

    prove they had

    not been drinking

    before entering

    the prom. Passive

    alcohol sensors as

    well as coat and

    bag checks were used prior to

    and during the dance to

    detect alcohol consumption.

    The school stated that the

    policy was put in place after

    two students were hospital-

    ized and 21 were disciplined

    after engaging in underage

    drinking at a prior dance.

    These are not the only

    restrictions some schools

    implement. Across the coun-

    try, dates have been banned

    after criminal background

    checks turn up past misde-

    meanors. Some schools

    require parents prescreen

    potential not-from-

    the-school dates, or

    these students must

    be vouched for by

    their own principals.

    Some students and

    parents say that these

    restrictions are bene-

    ficial for the safety of

    the classmates. Others

    argue it is a violation

    of personal rights.

    However, if the stu-

    dents dont agree with

    the policies, they have

    every right not to attend the

    prom.

    visit our website at www.lifeandleisurenj.comMay 15, 2013 Zone 1, Page 13

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    visit our website at www.lifeandleisurenj.com May 15, 2013Page 14, Zone 1

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    *Domestic ATM fees will not be refunded if qualifications are not met during the monthly qualification cycle. Qualification Cycle means a period beginning one (1) business day prior to the first day of the currentstatement period through one (1) business day prior to the close of the current statement period. Qualifications required each monthly qualification cycle: have 15 debit card POS transactions post and settle youraccount, access Online Banking and receive E-statement and maintain an active Real Savings Account. 2% cash back on debit card purchases up to $400 that post and settle; $8.00 maximum per qualificationcycle. If your daily balance is $0.01 to $10,000, the APY (annual percentage yield) paid on the entire balance will be 0.50%. A range of 0.50% - 0.18% APY will be paid on the portion of your daily balance that is

    $10,000.01 or greater depending on how much you keep (calculated on an Interest Rate of .15%), when qualifications are met during the monthly qualification cycle. If qualifications are not met during the monthlyqualification cycle a base APY of 0.10% will be paid on your entire daily Real Savings Account balance. Minimum balance to open the Real Saving Account $50.00. Fees many reduce earnings (if qualifications are

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    visit our website at www.lifeandleisurenj.com May 15, 2013Page 16, Zone 1

    i it b it t lif dl i jMay 15 2013 Zone 1 Page 17

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    visit our website at www.lifeandleisurenj.comMay 15, 2013 Zone 1, Page 17

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    Turner, assistant recording secretary, at973-694-5094. Or, come visit us!Professional musicians and vocalists ofthe Wayne Seniors Swing Band will per-

    form for your dancing and listening

    pleasure on the third Tuesday of eachmonth. Requested donation is $2 frommembers of the Wayne Elks Lodge andmembers of the Wayne Adult

    Community Center. For all others,

    requested donation is $3. Light refresh-ments will be served. Performances willtake place from 12:30-2:30pm at theWayne Elks Lodge, 50 Hinchman Ave.

    For more information, call 973-633-0734.

    The Riverview Garden Club in Wayneencourages local area residents who areinterested in gardening and in expand-ing their botanical knowledge to

    become club members. Novice andexperienced gardeners are welcomed.The Riverview Garden Club maintainsseveral public gardens in the Waynearea; this provides club members withthe opportunity to improve their gar-dening skills by being involved withprojects that beautify the local commu-nity. Join now to allow your gardeningknowledge and friendships blossom. Formore information, call our membershipchairperson Judy Sherpa at 973-

    838-8005, send an e-mail [email protected], or visit ourwebsite: www.riverviewgardenclub.com.Jewish Family Service of North Jersey,a recipient of financial assistance fromUJA Federation of North Jersey, isexpanding its Kosher Meals on Wheelsprogram in Wayne. The Meals onWheels Program provides hot, nutritiouskosher meals to people age 60 andover, or those younger who have a dis-ability and who are unable to cook or

    shop. Volunteer drivers bring neededmeals and offer smiles, greetings, andpersonal contact to the elderly, many of

    whom seldom get out. Drivers are need-ed to deliver meals two times a month.We are accepting referrals for peoplewho would like to receive meals. To vol-unteer, to request Kosher Meals onWheels, or for additional information,call Paul Klein at 973-595-0111.

    A

    pple Montessori

    Schools united its

    17 campus locations

    throughout New Jersey, as well

    as its nearly 300 employees, to

    come together for one cause

    the Ronald McDonald House

    Charities. Each of the Apple

    Montessori School locations

    held events to benefit RMHC

    and raised a total of $20,000!

    A percentage of this was glad-

    ly donated by the Bailey

    Family, owners and operators

    of Apple Montessori Schools.

    One of the missions at

    Apple Montessori Schools is

    to educate the whole child

    this does not only include aca-

    demics! At Apple Montessori

    Schools, we seek to instill in

    our students respect and com-

    passion for others through

    example and action. Every

    year, Apple Montessori

    Schools students participate

    in age-appropriate activities to

    raise funds for those less fortu-

    nate. We take great pride in

    the growing evidence of char-

    acter and generosity within

    Apple Montessori Schools

    community!

    Thank you all for your

    contributions!

    Ronald McDonald House

    Charities of the New York Tri-

    State Area (RMHC-NYTSA)

    is working to better the lives

    of children and their families

    in our communities by creat-

    ing and supporting programs

    that directly improve the

    health and well-being of chil-

    dren in health, education, the

    arts, and civic and social

    issues. Since 1992, RMHC-

    NYTSA has provided more

    than $10 million dollars to

    local non-profit organizations

    whose programs improve the

    lives of children and their

    families.

    For further information

    on Ronald McDonald House

    Charities-NYTSA, visit www.

    rmhcnewyorktri-state.org.

    visit our website at www.lifeandleisurenj.com May 15, 2013Page 18, Zone 1

    973-839-7800194 Wanaque Ave. Pompton Lakeswww.thepaa.com

    ZOO WEEK

    PROUD TO BE AN

    AMERICAN

    WESTERN WEEK

    BEACH WEEK

    FANCY NANCY WEEK

    MYSTERIES

    CIRCUS WEEK

    June 24th - August 16th, 9am-1pmAges: 3-6 & 7-10

    Performing Arts Academys all new Summer Day Camp provideschildren with a fun and educational experience in the arts.

    NEW WEEKLY THEMES INCLUDING:

    NEWTHEMEEACHWEEK!

    MAKE

    NEWFRIENDS

    &MEMORIES

    Has your child been diagnosed with...

    Cerebral Palsy

    Autism

    Developmental Delay

    Balance/Coordination Disorder

    Hypertonia (increased muscle tone)

    Hypotonia (low muscle tone)

    Down Syndrome

    Spina Bifida

    Metabolic Disorder

    Traumatic Brain Injury

    18 Newark Pompton Tpke.

    Riverdale, NJ 07457973.616.8300

    Physical Therapy

    Occupational Therapy

    Sensory Integration

    Speech Therapy Childhood

    Weight Loss

    ...then give us a call 973.616.8300

    Apple MontessoriSchools raise $20,000

    for charity

    SUMMERGUIDE

    Community Happenings

    continued from page 11

    continued on page 24

    visit our website at www.lifeandleisurenj.comMay 15, 2013 Zone 1, Page 19

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    Four Broadway veterans

    have joined forces

    to launch Broadway

    NYC, a new pre-professional

    summer theater program for

    the Northern New Jersey com-

    munity.

    Local Ridgewood resi-

    dents J. Mark McVey (Les

    Misrables, The Whos Tommy,

    Hal Princes Showboat) and

    Christy Tarr-McVey (Jekyll &

    Hyde, The Whos Tommy,

    Annie) have partnered with

    Raymond McLeod (Jekyll &

    Hyde, Wild Party, Wonderful

    Town) and Deborah Kym-

    McLeod (Director of Radio

    Broadway, principal teacher at

    Stella Adler Conservatory and

    talent manager, currently rep-

    resenting the actress who playsMatilda).

    The McLeods and the

    McVeys both traveled and

    performed with their chil-

    dren on the national tours of

    Les Misrables and Evita,

    making their experience

    and teaching invaluable for

    young performers.

    The all-star team is work-

    ing with Suzanne Kraai, music

    program director at EasternChristian School, and James

    Anderson, director of the

    Eagles Learning Center, to raise

    the bar for the young talent in

    this community. Any student

    from the tri-state area entering

    fifth grade through college who

    has a desire to learn more about

    the entertainment industry, to

    improve their acting or singing

    skills, or to have a professional

    career on Broadway, in film, or

    in television, should run to reg-

    ister for this program. You are

    encouraged to schedule your

    interview soon, as enrollment

    is limited.

    The program is divided

    into two sessions. Session I, for

    students entering fifth through

    ninth grade, runs July 819.

    Session II, for students entering

    tenth grade through college,

    runs July 22August 2. The

    schedule for both sessions is

    MondayFriday, 9am3pm.

    The students will produce a

    showcase at the end of each

    session.

    There will also be audi-

    tions for a musical, open to

    high school and college stu-dents. Rehearsals run separate-

    ly, 4:309:30pm from July

    819, with a performance on

    July 20.

    The program will be held

    in the beautiful air-condi-

    tioned facilities at Eastern

    Christian High School, locat-ed at 50 Oakwood Avenue in

    North Haledon.

    For more information or

    to have a registration form

    sent to you, please e-mail

    [email protected] or call

    973-427-6244. You can also

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    visit our website at www.lifeandleisurenj.comMay 15, 2013 Zone 1, Page 21

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    There are one millionacres of lawn across the

    country. Many home-

    owners aspire to having a lush,

    green lawn as the showcase of

    their properties. The front lawn

    can make a statement and indi-

    cate to passersby the property

    owners personalities and

    design preferences.

    Lawn care takes some

    dedication and hard work, but

    there are certain ways to cutdown on the amount of effort

    required to maintain a land-

    scape. By employing a few dif-

    ferent shortcuts, you can have a

    healthy, lush lawn without

    spending your entire free time

    cutting the grass or pruning the

    trees.

    Stop weeds at the start.

    Weeding is one of the most

    time-consuming parts of main-

    taining a lawn. Weeds can pro-liferate throughout the lawn if

    not addressed in a timely man-

    ner. Once weeds take root they

    can become a nuisance, so its

    best to treat weeds before they

    even have a chance to sprout.

    Apply a preemergent weed

    control product as soon as pos-

    sible in the spring and then

    reapply it about three months

    later to ensure weeds are eradi-

    cated. That equates to muchless tedious lawn maintenance

    during the season.

    Plant a urine-resistant

    grass. Having a dog and main-

    taining a lush lawn has always

    been a particular conundrum

    for homeowners. Dog urine is

    high in nitrogen. While nitro-

    gen, when applied in the cor-

    rect ratio, can be a lawn-

    growth stimulant, in the large

    concentration that occurs inpet urine, it causes the grass to

    dry up and burn, resulting in

    bare spots. Replanting with

    urine-resistant grasses can help

    cut down on the level of dam-

    age to the lawn from your own

    pet or pets that happen to make

    potty stops on your property.

    The grasses most resistant to

    urine tend to be perennial rye-

    grasses and fescues.

    Wake up and water.Watering in the early mornings

    saves time and energy in the

    long run by fostering a tougher,

    more drought-resistant lawn. If

    you water early in the day, less

    water will be lost to evapora-

    tion. Limit watering to a few

    times per week and less if you

    have had adequate rain. Avoid

    watering at night, which can

    expose the lawn to bacteria and

    attract insects.Mow when the lawn is

    dry. Its not advisable to mow

    the lawn when it is wet.

    Slippery conditions can not

    only make it more dangerous to

    push a mower, but also slow

    down the time it can take to

    tackle the chore. The mower

    blades can become clogged and

    coated with wet grass clippings,

    necessitating stopping and

    starting the task. Anotherthing to consider is lawn dis-

    eases spread more readilythrough wet clippings. Stick to

    mowing when the lawn is com-

    pletely dry.

    Let clippings fly. Mulch-

    ing mowers, or those that just

    distribute clippings on the lawn

    as you go, can be healthier for

    the grass. They will serve as fer-

    tilizer and redistribute nutrients

    to the lawn as they breakdown

    into the soil. According to

    The Organic Lawn CareManual, leaving clippings on

    the lawn will fulfill about 25

    percent of fertilizer require-

    ments. Plus, you save time bag-

    ging up clippings.

    Mow less often. Raise the

    mowers blade so that the grass

    is longer in between cuttings.

    The taller grass will shade the

    soil and block weeds from ger-

    minating. It also helps improve

    soils moisture retention.

    Dont cut corners. Ad-justing a landscape design to

    have arches and curves can

    reduce the time it takes to mow

    and edge a property. Hard cor-

    ners in a landscape will require

    more time to keep straight andpristine.

    Caring for a lawn can

    take less time and effort than

    you think.

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    HOMEIMPROVEMENT

    Shortcuts to a lush lawn

    visit our website at www.lifeandleisurenj.com May 15, 2013Page 22, Zone 1

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    FREE GIFT

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    sale items. Expires 6/30/13 LL1

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    visit our website at www.lifeandleisurenj.comMay 15, 2013 Zone 1, Page 23

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    Cook this grilled salmonwith spicy honey-basil

    sauce on the backyard

    grill or under the broiler for a

    quick and easy dinner. Cook

    salmon thats 1/2 to 3/4 inch

    thick for 5 to 8 minutes total;

    cook salmon thats 1 to 1 1/2

    inches thick for 8 to 12 minutes

    total. When broiling, keep fish

    4 inches from flame. You can

    buy salmon as fillets or as

    steaks. Skin on the fillets comesoff easily after cooking.

    Ingredients

    2 tablespoons pine nuts,

    toasted

    1 tablespoon honey

    2 tablespoons fresh lemon

    juice14 cup olive oil12 cup packed fresh basil

    2 cloves garlic, minced

    1 small red chile or 1

    medium jalapeno,chopped (include the

    seeds if you like it spicy)

    4 skinless salmon fillets, 4

    ounces each

    14 cup red bell pepper, diced14 cup yellow bell pepper,

    diced14 cup watercress leaves,

    chopped

    1 tablespoon balsamic

    vinegar

    1 tablespoon olive oil

    Salt and ground white

    pepper, to taste

    DIRECTIONS

    Place pine nuts, honey,lemon juice, 1/4 cup olive oil,

    basil, garlic, and chile in a

    blender and process until the

    mixture is pureed. Spoon the

    sauce over the salmon, and

    turn to coat. Cover and refrig-

    erate overnight or for at least 4

    hours, turning twice.

    Place bell peppers and

    watercress in a bowl. Toss with

    vinegar and 1 tablespoon olive

    oil. Cover and refrigerate while

    the salmon cooks.

    Oil the grill rack and pre-

    heat the grill to medium-high.

    Remove the salmon from the

    marinade, reserving the mari-

    nade. Sprinkle the salmon with

    salt and pepper on both sides.

    Place the salmon on the

    grill rack and grill until

    opaque throughout, 4 to 6

    minutes on each side. Brush

    occasionally with reserved

    marinade. Garnish with bell

    pepper and watercress mixture

    before serving.

    Grilled Salmon with Spicy Honey-Basil Sauce

    visit our website at www.lifeandleisurenj.com May 15, 2013Page 24, Zone 1

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    Spa 23 Health & Racquet Club inWayne offers birthday parties and spe-cial events for all ages. Kids will havethe time of their lives at Spa 23 parties!

    In addition to our pool parties, choosefrom any of our themed parties, or adda theme to your pool party. Theme par-ties are available seven days a week.

    Pool parties are available Fridays,Saturdays, and Sundays. You can alsobook the entire club for your own pri-

    vate event! The spa is located at381 Route 23 in Pompton Plains.Contact Spa 23s program director,Laura Severance, at 973-839-8823.View more information online atwww.spa23.com.An open invitation is extended to allseniors in the area to join the Golden

    Key of Wayne. Dont get housebound

    come play bingo, dominoes, and cardgames with some friendly seniors.Enjoy fellowship, fun, holiday parties,and trips. The Golden Key Club meetsevery Friday afternoon from 1-3p.m. atthe Post 174 American Legion building,55 Mountain View Blvd. in Wayne. Formore information, please call Annette

    Ford at 973-628-0492.The MOMS Club of Wayne is currently

    looking for members. It is part of aninternational non-profit support groupfor mothers who stay home with theirchildren; including those who havehome-based businesses or who workpart-time but are home with their chil-dren during the day. The group offers a

    wide range of activitie s including:monthly socials, group activities/out-

    ings, play group opportunities andmoms night out for the moms onlyalong with community service projects.All activities and service projects are vol-untary. If you live in Wayne and areinterested in joining please e-mail mom-

    sofwayne@ yahoo.com or go tohttp://www.meetup.com/moms-club-of-wayne/The Morning Minyan, a group of caringpeople dedicated to observing the tradi-tion of daily prayer, meets at 7:30am inthe sanctuary of Temple Beth Tikvah,950 Preakness Avenue in Wayne. Alight breakfast follows the 15-20

    minute prayer service. All are wel-comed!The Pines Lake Womans Club is anactive club opened to all women fromthe Wayne area that are at least 18years old. We meet monthly on the sec-

    ond Wednesday of the month at the

    The McKenna School ofDance will be celebrat-

    ing its 64th anniver-

    sary of teaching dance in the

    Wayne area with the ballet pro-

    duction of Alice in

    Wonderland and will be pre-

    ceded by the variety produc-

    tion of The Great Outdoors.

    Performances are Saturday,

    May 18 at 7pm and Sunday,

    May 19 at 2pm at the Wayne

    YMCA on Pike Drive inWayne.

    Students from Wayne and

    surrounding areas will be

    appearing as the characters in

    the story.

    Amy Hooker, a senior at

    Wayne Valley High School will

    dance the role of Alice; the

    White Rabbit will be per-

    formed by Jennie Stranz from

    Lincoln Park; Emily Lau of

    North Caldwell will appear asThe Mad Hatter; Sabrina Shay

    of North Haldeon will be the

    caterpillar/butterfly; Stephanie

    Stranz of Lincoln Park will

    dance the role of the Queen of

    Hearts; Maryanna Tosi of

    Wayne will dance the role of

    the March Hare; Tarra Frawley

    of Newfoundland will dance

    the role of the Door Mouse;

    and the Cheshire Cat will be

    performed by Yanna C., a stu-dent at Wayne Valley HS.

    Many other students from

    the surrounding areas will

    appear as the remaining char-

    acters in the story. For informa-

    tion please contact The

    McKenna School of Dance at

    973-628-1676 or visit our web-

    site at www.mckennaschoolof-

    dance.com.

    Alice in Wonderland

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    Call to schedule acomplimentary consultation:

    973.493.6918

    www.mothersintraining.org

    Explore what is workingand what is not

    Discover a more peacefuland satisfying day as a parent

    Develop deeper bondsand communication withinyour family

    Offices in Wayne & Montclair, NJ.

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    NJ.,air

    Community Happenings

    continued from page 18

    continued on next page

    visit our website at www.lifeandleisurenj.comMay 15, 2013 Zone 1, Page 25

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    Pines Lake Elementary School cafeteriaat 7:30pm. Visitors are welcomed. Theclub offers fun, friendship, and service.For more information, membership, orto visit one of our meetings, call 973-835-3272 or e-mail [email protected] with infants and young tod-

    dlers have always been challenged tofind a way to get back in shape whilefocusing on the demands of new moth-erhood. Mommy and Me Fitness classes

    let Mom keep Baby within arms reachso there is no need to worry about find-ing a sitter or making the time awayfrom Baby to work out. The Stroll Fitprogram is developed with the needs ofboth moms and babies in mind. Each 60-minute class consists of cardiovascular,strength, and flexibility training for atotal body workout. The classes also pro-vide a great environment for moms toconnect with one another and developsupport systems for achieving fitness

    goals not to mention bonding withtheir babies! Now offered at two loca-

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    CommunityHappeningscontinued from previous page

    continued on page 31

    visit our website at www.lifeandleisurenj.com May 15, 2013Page 26, Zone 1

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    visit our website at www.lifeandleisurenj.comMay 15, 2013 Zone 1, Page 27

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    Real estate professionalssay the market is

    rebounding, and many

    would-be home buyers are

    eagerly awaiting their opportu-

    nities to purchase their own

    homes. Fresh data indicates

    that the inventory of properties

    is quickly drying up and soon

    the market is poised to point in

    the sellers favor.

    According to Allen &

    Associates, a real estateappraisal, consultant and

    research firm based in

    Colorado, properties in the

    area listed for sale are below the

    six-month supply of inventory.

    Now could be the time to get a

    good deal on a home, provided

    buyers are able to secure mort-

    gages.

    No matter how many

    affordable homes are available,

    if a buyer cannot get approvedfor a mortgage, then his or her

    chances of owning a home are

    slim. In the wake of a tumul-tuous economy, many lenders

    tightened restrictions on mort-

    gage lending. And even though

    the economy has rebounded,

    many lenders have continued

    to follow strict guidelines

    before lending money. In order

    to secure a mortgage with a

    good interest rate, buyers must

    take control of their financial

    situations and fix problems that

    could lead to loan rejection.Many things can impact a

    mortgage application. Here are

    the ways to overcome liabilities

    and improve your standing

    with prospective lenders.

    Know your credit rating.

    Your credit rating is a score that

    lenders rely on when deciding

    whether or not to approve your

    mortgage application. The

    higher the credit rating, the

    more attractive you look toprospective lenders. But the

    lower your score is, the more

    difficulty you will have getting

    a loan. Should you get a loan

    with a low score, you may have

    to pay a higher interest rate

    than someone with better cred-

    it. Prior to making any big

    financial decisions, such as

    applying for a mortgage, it is

    vital to find out your credit

    score. You can request a free

    copy of your credit report,

    which includes your creditscore, once a year from the

    three major credit reporting

    agencies in the United States

    and Canada: TransUnion,

    Experian and Equifax. You also

    can pay for your credit report.

    Address any issues on your

    report. Once you know your

    score, you can take steps to

    address any issues on the report.

    Pay down revolving consumer

    debts, such as credit card bal-

    ances and auto loans. Report

    any errors on your credit reportso they can be adjusted. Pay

    bills on time and address any

    notices of collections beforethey make it onto your perma-

    nent record. If you will be

    applying for a loan soon, avoid

    opening any other credit

    accounts for the time being.

    Maintain steady employ-

    ment. Having a job is often

    vital to getting a mortgage.

    Lenders tend to look for long-

    term financial stability, which

    is best illustrated by maintain-

    ing steady employment.Jumping from job to job may be

    a red flag to lenders, so its bet-

    ter to make a switch after you

    have been approved for a loan.

    Save, save, save. Having

    more money in the bank lowers

    your loan-to-value ratio, or

    LTV. This will make you appear

    less risky to lenders. Individuals

    who have saved for a consider-

    able down payment on a home

    are also seen in a better light.Make sure you have a

    credit history. Some people are

    too cautious with their creditand think closing accounts or

    avoiding credit entirely will

    make them more attractive to

    lenders. But this can backfire.

    Lenders will want to see a

    strong credit history that indi-

    cates your ability to pay your

    debts on time.

    Get a cosigner. If you are

    uncertain about your ability to

    secure a loan on your own,

    then consider a cosigner tomake you more attractive to

    prospective lenders. The

    cosigner helps guarantee the

    lender that your mortgage pay-

    ments will be made.

    People looking to buy a

    home in the near future must

    make themselves attractive to

    mortgage lenders, many of

    whom are still reluctant to

    approve loans for candidates

    without strong financial back-grounds.

    How to get approved for a mortgage

    visit our website at www.lifeandleisurenj.com May 15, 2013Page 28, Zone 1

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    Lets not forget the pri-

    mary reason for life insur-ance: to produce a single

    lump-sum payment at some

    unknown time in the future

    when it is needed most, upon

    the death of the bread-win-

    ner. The death benefit can

    be used to pay off a debt, it

    can be used to create an

    estate, pay taxes, equalize an

    inheritance between heirs, or

    to endow a charity.Life insurance can also

    be used to guarantee a retire-

    ment plan for your children!

    Rather than a child investing

    large portions of his pay

    check into an IRA, mutual

    fund and 401k, given the

    uncertainty of the stock mar-

    ket, a parent or child could

    purchase a very large life

    insurance policy that wouldpay off at approximately the

    time when the child reaches

    retirement age. Son, age 40,

    purchases a $1,000,000 life

    policy on dad, age 68. If dad

    leaves us in 30 years at 98,

    son receives $1 million for

    his retirement years. If dad is

    still alive, son can access the

    cash value as an advance on

    the death benefit. Shoulddad die prematurely, son has

    $1 million ahead of schedule.

    This is a perfect alternative

    to trusting the upward

    momentum of the stock and

    bond markets, wouldnt you

    think? Actually, the plan is

    flawless, as everyone will die

    eventually and earlier or

    later doesnt financially mat-

    ter to the son because he canretire on time, regardless of

    dads longevity.

    Though there are many

    good reasons for purchasing

    life insurance, let me illus-

    trate one more that is vitally

    important and a reason not

    to purchase the cheap term

    insurance variety. Ill use

    myself as an example. I

    entered this business at age

    19 and shortly after pur-chased term insurance. In my

    late twenties, I purchased

    more life insurance as my

    family grew, but this time I

    purchased a cash accumula-

    tion type of policy. When I

    hit age 30, I was diagnosed

    an adult onset type II diabet-

    ic; this rendered my days of a

    preferred, select or premier

    underwriting classification

    out the window. I was now arated applicant that could no

    longer shop for the cheapest

    term insurance across the

    country at renewal time. The

    term coverage I currently had

    was going to keep increasing

    in cost till one day it would

    become unmanageable.

    How-ever, the universal type

    of policies I purchased wereprotected from my change in

    underwriting status. Once I

    was accepted, any subsequent

    change in health would have

    no effect on the premiums.

    What I am discussing is

    the most important asset that

    everyone possesses: insura-

    bility. Once compromised,

    its lost forever! Thank good-

    ness I purchased life insur-

    ance that would not andcould not be denied to me by

    my diabetic condition or 18

    years later at age 48 when I

    suffered a quintuple by-pass!

    I have learned a very

    expensive lesson first-hand:

    cheap does, in fact, cost

    more. Whether its a clothing

    washer or a life insurance

    policy, there is a price to pay

    for a cheaper model. If the

    washer breaks down ahead ofa more dependable and

    expensive brand, how much

    did you save if you wind-up

    forced to purchase another

    one ahead of the life

    expectancy of the better

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    Not just another article about life insurance

    continued from page 4

    continued on next page

    visit our website at www.lifeandleisurenj.comMay 15, 2013 Zone 1, Page 29

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    unit? In fact, in this example

    it might have cost twice asmuch.

    With a life insurance

    example, if the policy lapsed

    before the insureds death,

    the cost of that purchase

    would be catastrophic! I

    might add that my choice of

    universal life insurance pur-

    chased over 20 years ago ben-

    efits me today. How? Its still

    in force, requires no premium

    from this point forward, has acurrent six-digit cash value

    (available on demand), and

    will provide a tax-free annual

    income during my retirement

    years. The term insurance I

    purchased in my 20s was

    inexpensive, yes, and it pro-

    vided a death benefit while

    in-force and left me todaywith a bunch of paid receipts.

    The best benefit of my life

    insurance policies is the fact

    that my wifes and kids

    lifestyles will continue, unin-

    terrupted (financially speak-

    ing) should I not wake u