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Youve very likely driven

past our store for most of

your life on the way to

some corporate jeweler in the

mall, but have you ever wondered

how this little jewelry store has

been here for so long? The major-ity of the other businesses around

us have changed over several

times. One of our neighbors has

been a pizzeria, a pet store and

now a tattoo parlor. For about 26

years weve been a local

Pequannock business and thats

no easy accomplishment. The rea-

son for this was the unique paring

of two friends who had both been

in different parts of the jewelry

business. This combined a gemol-ogist with years of experience in

the NYC diamond district with a

fourth-generation jewelry manu-

facturer.

Much of the reason for the

success of Boston Louis Jewelers

lies in our extensive knowledge

and experience in the field of dia-

monds and jewelry, and we openlyshare that knowledge with our

customers. And while yes, we are

just a small store in a small town,

our connections are worldwide.

If you are shopping for an

engagement ring or other dia-

mond jewelry, you could just buy

it from a no-faced source on the

Internet, or from a mall salesper-son with a years experience under

his belt. Before you do that,

though, you might drop by Boston

Louis just for the heck of it. We

challenge you to! We arent high-

pressure sellers. We will very like-

ly enlighten you, and even more

importantly, get you a better deal

on a better quality diamond.

Weve found over the years

that pretty much everyone who

has taken the time to let us edu-cate them about diamonds has

bought from us. Were real jewel-

ers professional jewelers who

have spent decades in the dia-

mond trade and weve been

where we are for a long time

because we educate and care for

our customers.

If you are curious about

learning more about diamonds

before making a purchase, please

feel free to drop by Boston LouisJewelers, 151 Newark-Pompton

Turnpike in Pequannock.

Call 973-694-9073 or visit

www.bostonlouis.com.

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

January 22, 2014

Zone 1, Vol. 12, No. 2

We are a Family, Friendly Publication & The Official Paper of Wayne Day

SCHOOLREGISTRATION

SEE PAGE 8

Diamond shoppers: we challenge you!

8/13/2019 221657_1389885542Jan 22 2014 Z1 LR

2/24

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

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

JAN 24

Bunco night Friday January 24,doors open at 6;15pm. Games beginat 7pm. Donation $7.00 includesadmission, lots of fun, coffee, tea,dessert and everyone is a winner. Call

Joyce for reservations at 973-956-8956.

JAN 28Passaic County CASA (CourtAppointed Special Advocates) forChildren is asking people to make adifference with their New Years reso-lutions by becoming a volunteer CourtAppointed Special Advocate to a localchild who is under court protectionbecause of abuse, neglect or abandon-ment, or by making a financial contri-bution to the organization. PassaicCounty CASA is now recruiting volun-

teers for the Spring training classes.For more information and receive anapplication, visit CASA online at

www.passaiccounty casa.org or contactOffice Coordinator Stephen

Wesolowski at 973-832-4002.Interested volunteers are invited toattend an upcoming orientation ses-sion on Tuesday, January 28 at 6pm at415 Hamburg Tpk, Suite B-1,Wayne.Please call 973-832-4002 to RSVP.

FEB 2

Wayne Elks 2181 Super Bowl Sundayparty. hosted by bar committeeSunday, February 2 on a giant screenTV. Delicious covered dish buffet. Bring

your own super bowl dish to sharecover charge. Menu includes hotdogs

with baked beans, coffee, tea, beer,wine, and soda. Donation $15.00Call Joyce at 973-956-8956 for reser-vations.

FEB 3

The Amity Club of Our Lady ofConsolation Parish, 1799 HamburgTurnpike, Wayne i s honored t o have aperformance from the NJ Council for

Humanities on Monday, February 3 at7:30pm in the school hall, which isdown the hill from the church. For

more info call the Parish Center at973-839-3444.

FEB 8

Sweetheart dance presented byWayne Elks 2181 Auxiliary on

Saturday, February 8 at7:30pm. Special menu presented byChef Bob Fisher. Music by DJ Jerry. Forreservations call Joyce at 973 9568956.

Around the

Community ...

Calvary Gospel Church, 1559Hamburg Tpk, Wayne. Services;10am-worship Service; 11am-coffeeand bagels; 11:30am-Sunday School.Other activities; Brick-every secondSaturday of the month at 6pm for 18-

30 yr olds; Depression Support Group-every 2nd and 4th Sunday evenings at6pm; Floor Hockey for ages High

School and up-every Tuesday at 7pm.Please call 973-694-5385 for moreinformation.

Green Pond Bible Chapel is excited tohost along with area churches: Spring

2014 Perspectives 15 weeks; 15Instructors; one epic story. Classes areMonday evenings from 6:30-9:30pmJanuary 6 to May 5; biblical, histori-cal, cultural, strategic. Get threadedinto Gods story this fall as you experi-ence His heart for every tribe, tongue,people and nation and encounter themomentum of the World ChristianMovement. This class will change yourlife - for the good! Youll get a newperspective on Gods heart and eternal

desire since the beginning of time.Enroll online at: www.Perspectives.org/GreenPond or Call 973 697 0990.What is perspectives? Check it out! Athttp://vimeo.com/5686660.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 isa Christian ministry dedicated to help-ing veterans find peace with them-selves and the world around them. If

you are doing fine after the war, thatsfantastic but dont forget about yourbuddies who are still suffering. Find

out how you can help. Call BarryJensen at 973-809-9665. Point Man

Ministries meets the first Thursday ofevery month from 7:30-9:30pm atCornerstone Chapel 620 Route 23North, Pompton Plains.

The Riverview Garden Club, based inWayne encourages local area residentswho are interested in gard ening and inexpanding their botanical knowledgeto become club members. Novice aswell as experienced gardeners arewelcome. F or details about joining ourclub, please call our membership

chairperson Linda Wescott 973-694-1098 or send an email to:riverviewgc13@ya hoo.com. You canalso visit our web site athttp://www.riverviewgardenclub.com.Visiting Angels in association with TheAlzheimers Foundation of America is

offering free year round memoryscreenings. Free and confidentialscreenings are held from 2-4pm everythird Wednesday of each month exceptfor November. Call and make your

appointment today at 973-839-3761.All screenings are held at the VisitingAngels office at 2190 Hamburg

Turnpike, Wayne.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 inWayne. Day trips and overnight tripsare scheduled throughout the year,certain meetings host special speakers,and bingo is played for only GACWmembers one Thursday during eachmonth. To qualify as a member, you

must be a Wayne resident of at least

50 years of age. Yearly dues are $7.For more information, call Val Turner,assistant recording secretary, at 973-694-5094. Or, come visit us!Professional musicians and vocalistsof the Wayne Seniors Swing Band willperform for your dancing and listeningpleasure on the third Tuesday of eachmonth. Requested donation is $2 frommembers of the Wayne Elks Lodge andmembers of the Wayne AdultCommunity Center. For all others,

requested donation is $3. Lightrefreshments will be served.

visit our website at www.lifeandleisurenj.com January 22, 2014Page 2, Zone 1

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. 2014 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.

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Ialways look forward to con-firming with my accountant

how much I will save each

year by making a tax-

deductible contribution to my

qualified plan. As a self-

employed individual, I am

allowed to contribute the max-

imum contribution to a simpli-

fied employee pension (SEP)

plan $51,000 for 2013. Atthe federal income tax bracket

of 39.6 percent, this is a tax

savings of $20,196. Stated dif-

ferently, the government will

pay me $20,196 to save

$51,000. Stated yet a different

way, I will lose $21,196 if I

dont save the $51,000 afforded

me by the IRS for investing for

my retirement. This makes avery compelling argument to

make this contribution every

year, but is it really worth it?

Lets envision my SEP

contribution as a shot glass

filled with water. Over the

years, as I continue to fund my

SEP and it continues to grow

from the compounded rate of

return on top of the contribu-tions, the little shot glass soon

becomes a pitcher of water.

When Im retired and I need to

pour the water out of the pitch-

er to drink, the remaining

water in the pitcher will con-

tinue to earn interest, divi-

dends and appreciation from

the stock market. In essence,

the water flowing from thepitcher through the rest of my

life could fill a bathtub to the

brim!

The government says one

of these vessels must be taxed

the shot glass, the pitcher or

the bathtub but it leaves the

choice to me. The tax-deduc-

tion I take for the SEP contri-

bution is making the shot glass

tax deductible. The pitcher,

which represents the accumu-lation, grows tax-deferred. The

disbursed income, represented

by the bathtub, whether I live

to spend it all or die with a tub

full of water, will be 100 per-

cent taxable, either to me or

my beneficiaries. With my

choice to take the deduction

today, I am choosing to tax the

biggest pile of money, the

income for the rest of my life.

My kids will bear the burden ofpaying income tax on the

remainder, not to mention NJ

estate tax, as well as a potential

federal estate tax.

After second thought,

perhaps taking the deduction

on the shot glass was an

improper bet, since I will ulti-mately pay more tax on the

biggest pile of money, the bath-

tub size portion. Yet, common

sense dictates that I take the

deduction now for the very

compelling reasons stated in

the opening paragraph.

It is a very confusing con-

cept, since the tax savings from

the SEP contribution could be

saved and invested as well to

grow an even larger amount for


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retirement. Some tax profes-

sionals argue that deductions

should be taken today since you

will be in a lower tax bracket in

the future when retired. Manyof my clients have found this

point-of-view not to be the

case. Their tax bracket either

remained the same or increased

for various reasons, wreaking

taxation havoc on their annual

income and ultimately their

bequest.

What if there were a way

to benefit from both disciplines

by taking the deductions to

fund your contributions to anIRA, 401k, profit-sharing or

pension plan while working,

then having the ability to enjoy

tax-free income in retirement,

as well as passing-on your

wealth tax-free to your favorite

charities, and your children

and grandchildren? The con-

cept can be applied for people

during their working and port-

folio accumulation years, as

well as those individualsalready retired with larger tax-

able IRA balances in their

portfolio spending years.

If you or someone you

know is age 70 or above, forced

by the government to make the

required minimum withdrawal

from their IRA and if they

werent forced out, didnt need

the money and would rather

leave it in their account for

Probiotics, or non-harm-

ful bacteria, arent just

for digestion anymore.

A 30-year study from theForsyth Institute of Harvard

has shown that a few naturally

occurring bacteria can actual-

ly fight off harmful oral bacte-

ria. Probiora3 is a patented

blend of these beneficial bac-

teria that safely and effective-

ly helps maintain a healthy

mouth.

Probiora3 supports den-

tal and gum health by growing

below the gum line and on the

chewing surfaces. It competes

with harmful bacteria for

nutrients and space, and helps

reduce the bacteria that causebad breath.

These probiotics also

naturally whiten teeth. They

produce a continuous dose of

hydrogen peroxide, the tooth-

whitening chemical, as a nat-

ural byproduct. A four-week

study shows that when replen-

ished daily, these probiotics

whitened dental surfaces

around the clock.

Probiora3 is free of sugar,

wheat, gluten, dairy, soy, arti-

ficial flavors and colors, and is100 percent natural. What a

great new way to a healthy

smile!

Dr. Peter Brusco is a 1980

graduate of The University of

Pennsylvania and has been

practicing in Kinnelon since

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

web at www.drbrusco.com.


Probiotic mouthrinsesBy Peter Brusco, DMD

Retirement plan taxation pay now or later?

continued from page 4

continued on page 23

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Performances will take place from12:30-2:30pm at the Wayne ElksLodge, 50 Hinchman Ave. For more

information, call 973-633-0734.Jewish Family Service of NorthJersey, a recipient of financial assis-tance from UJA Federation of NorthJersey, is expanding its Kosher Mealson Wheels program in Wayne. TheMeals on Wheels Program provideshot, nutritious kosher meals to peopleage 60 and over, or those youngerwho have a disability and who areunable to cook or shop. Drivers are

needed to deliver meals two times a

month. We are accepting referrals forpeople who would like to receivemeals. To volunteer, to request Kosher

Meals on Wheels, or for additionalinformation, call Paul Klein at 973-595-0111.Spa 23 Health & Racquet Club in

Wayne offers birthday parties and spe-cial events for all ages. Kids will havethe time of their lives at Spa 23 par-ties! In addition to our pool parties,choose from any of our themed par-ties, or add a theme to your poolparty. Theme parties are availableseven days a week. Pool parties areavailable Fridays, Saturdays, andSundays. You can also book the entireclub for your own private event! Thespa is located at 381 Route 23 in

Pompton Plains. Contact Spa 23s pro-gram director, Laura Severance, at973-839-8823. View more informa-

tion online at www.spa23.com.An open invitation is extended to allseniors in the area to join the GoldenKey of Wayne. Dont get housebound come play bingo, dominoes, andcard games with some friendly seniors.Enjoy fellowship, fun, holiday parties,and trips. The Golden Key Club meets

every Friday afternoon from 1-3pm atthe Post 174 American Legion build-ing, 55 Mountain View Blvd. in Wayne.For more information, please callAnnette Ford at 973-628-0492.The MOMS Club of Wayne is current-ly looking for members. It is part of aninternational non-profit support group

for mothers who stay home with theirchildren; including those who have


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Proponents of marriage

may quote any number

of reasons why couples

should tie the knot instead of

living a life of singlehood. A

desire to raise children togeth-

er is one reason many couples

wed, but getting hitched

might also be better for your

health. Thats right, a growing

body of evidence has suggested

marriage may be beneficial for

men and women from a health

and wellness standpoint.

A 2006 study published

in the Journal of Epidemiology

and Community found that,

compared with married peo-

ple, people who are widowed,

are divorced/separated or have

never married are more likely

to die earlier. In addition to a

greater combined wealth that

may make access to health

insurance or better healthcare

possible, there are a number of

possible reasons behind why

married couples tend to be

healthier and happier.

Safety: Being married and

committed to one partner

reduces your risk of developing

a disease through intimate

encounters. Furthermore, mar-

ried couples tend to be less

involved in behaviors that

may put them at risk for vio-

lent altercations between oth-

ers. Research by the United

States Justice Department has

found that single and divorced

women are four to five times

more likely to be victims of

violence in any given year

than women who are married,


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Renew. Rejuvenate.

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Residential interior

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ommends happy hues such as

turquoise for a kitchen, char-

treuse for a dining room and

coral for a bedroom. Roger

Hazard, a Sharon Springs, NY

designer who starred in the

Emmy-nominated Sell This

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palettes will embrace a variety

of bold, punchy accent colors

but also notes a seismic shift in

neutrals from the brown

fatigue of browns and beiges to

bright gallery whites and truly

neutral grays. Purples can be

paired with accents of copper

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culine den; layered with gold,

gray and white for an elegant

bedroom; or highlighted

against subway tile and chrome

fixtures for a statement master

bathroom.

EVERY WALL HAS A

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Todd Imholte, president

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that wall murals will be even

more popular next year as more

homeowners and business own-


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ers embrace this unique, dis-

tinctive way to transform any

room. Simple to install and

remove, Murals Your Ways

more than 750,000 images,

along with the ability to create

a personal mural from a photo-

graph, make wall murals an

attractive and affordable design

trend.

ITS ONLY NATURAL

Miami-based ASID and

IIDA award-winning interior

and furniture designer Bea Pila

sees natural elements increas-

ingly created into luxurious fur-

nishings. Look for lamps

embellished with geodes and

natural gems, feather-adorned

pillows and sharkskin as a rich

table finish. Stone and stone

veneers make for an interesting

organic interior wall covering,

says Debbie Wiener of My

Designing Solutions, as do

sticks gathered in groups as

triptychs or propped up against

the wall.

LIGHTEN UP

Lighting can make a key

difference in a home by setting

the atmosphere of a room or

helping showcase decor ele-

ments. LED bulbs deliver the

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incandescents but use 84 per-

cent less energy and last up to

20 years, according to Maxwell

Ryan, founder and CEO of

Apartment Therapy. Interior

design expert and

InStyleModern.com executive

Maria Samuels suggests multi-

tiered chandeliers and other

ornamental fixtures using LED

lights to give a modern twist

instead of traditional artificial

illumination.

THE FURNITURE FORE-

CAST

Pila notes that 60s-

inspired acrylic furnishings can

be timeless when designed into

a classic silhouette, with the

pureness of the acrylics clear-

ness creating a striking effect.

Washington, DC designer

Darlene Molnar predicts that

velvet sofas will be a top trend

in 2014, with jewel colors or

gray bringing a soft elegance to

rooms after years of sharp clean

lines. And furniture designer

Clint Parker notes that Earth-

friendly, sustainable eco-furni-

ture is gaining steam, with new

composites and fabrics such as

hemp and sorghum making the

concept more accessible.

ACCESSORIZE THE POSI-

TIVE

Anything goes in the

world of accessories. Pila notes

an African influence in lamps

made of horn and Kuba cloths

fashioned into pillows, rugs and

blankets, while Ian Kennedy of

Ruby + George touts Native

American-inspired artwork,

rugs and antlers passed down

from generation to generation.

Wiener suggests gas-fired home

fire walls under a wall-

mounted big-screen television

that can serve as a source of

warmth and an art focal piece.

THE SIMPLE LIFE

Internationally recognized

artist and award-winning

Austin designer Pablo

Solomon sees a continuation of

uncluttered, simple, practical,

multifunctional and renewable

designs. He recommends

adopting the mantra less is

more to focus on quality, not

quantity, when it comes to art,

rugs and furnishings. Tie interi-

or design with outside land-

scape views to evoke a feeling

of openness and flow from the

inside out.

WHATS OLD IS NEW

AGAIN

Los Angeles-based Linda

Brettler, AIA, suggests finding

creative ways to repurpose,

recycle and reuse by relocating

pieces from other rooms in the

house or seeking out older, bet-

ter-made items from architec-

tural salvage sites. Salvaged or


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Learning how to stop

your puppy from chew-

ing can become a diffi-

cult chore that will leave you

frustrated, especially

when it gets hold of

your favorite pair of

shoes, or when its con-

stantly chewing on you!

If you want to stop

your puppy from chew-

ing, there are a few

things that you need to

understand about it

before you just blame it

for its behavior.

Chewing is a natu-

ral part of being a puppy.

Rather than trying to stop it

from this natural behavior,

you should work toward redi-

recting the problem to anoth-

er source. Get it chew toys

and a bone that it is allowed

to gnaw on to its hearts con-

tent. It is much easier to redi-

rect a problem than to try and

stop it completely, especially

when the problem is more of a

human problem than a puppy

one.

Another thing to consid-

er is that certain behaviors

tend to instigate chewing,

especially when the puppy is

chewing on you. This can lead

to dog aggression problems

later on, so you need to nip it

in the bud now rather than

put it off.

Again, this is a human

problem as much as a puppy

problem. In order to stop your

puppy from chewing on you,

you need to pay attention to

what you do that instigates it.

Certain sudden movements,

or aggressive behavior toward

your puppy (even in play) will

push it into chewing. Also,

when you are playing, if it

starts chewing on you, stop

the activity.

Dogs cant distinguish

between playtime and not

playtime. Although they love

to play, the habits that they

will pick up then will transfer

to other times. You should

never allow your dog to play

aggressively and chewing is

one of the easiest bad habits to

break.

When dogs start chew-

ing, redirect them to one of

their play toys, and separate

yourself from them. If the

chewing problem persists, you

may need to keep them in a

kennel until they learn to

behave. Crate training can

take some time, but is very

beneficial in stopping a wide

variety of puppy problems,

including it wanting to chew

on you.

Follow these tips to stop

your puppy from chewing and

to get it under control. It

doesnt take much, but by pay-

ing attention to your behavior

and redirecting its behavior to

an appropriate toy, you can

get things under control.

Article courtesy of pet-arti-

cles.blogspot.com.

Brought to you by Dr. Matthew

Krupnick, owner of the Pequan-

nock Animal Hospital. He grew

up in Kinnelon and is happy to

be home with his wife, three

cats and two dogs to provide

quality and compassionate care

for your pets in the community.

The Pequannock Animal Hos-

pital is located at 591 Newark

Pompton Turnpike in Pompton

Plains. You can reach them at

973-616-0400.

while bachelors are four times

more likely to be victims of

violent-crime than men who

are married.

HEALTH MONITORING:

Married couples may pay

attention to and monitor

changes in each others health

more so than boyfriends and

girlfriends. Couples who can

recognize the subtle changes

in physical or emotional

health may be able to identify

problems before they become

more serious. Couples may

also be able to urge spouses to

make appointments for rou-

tine health screenings and fol-

low up on doctors appoint-

ments.

GREATER FINANCIAL

SECURITY: Money is a pri-

mary source of stress for many

men and women. But living in

a dual-income household can

ease some of that stress and the

potential health problems that

come with it. Some research

has indicated that married

men make as much as 40 per-

cent more money than compa-

rable single men, even after

accounting for education and

job history. Marriage could be

seen as an indication of securi-

ty and trustworthiness, traits

appealing to a company.

INCREASED INTIMACY:

According to information

compiled by Richard Niolon

Ph.D., nearly half of all mar-

ried people engage in intimate

relations twice a week, com-

pared to 20 to 24 percent of

single and cohabitating men

and women. Sex releases

endorphins that improve

mood, can be classified as

moderate exercise, creates a

feel-good environment that

can reduce stress and promotes

further contact between cou-

ples.

IMPROVES MENTAL

HEALTH: Many people joke

that getting married removes

freedoms that lead to happi-

ness, but researchers find that

this isnt the case. In their

book, The Case for Marriage:


Dr. Matthew Krupnick, D.V.M.

591 Newark Pompton Tpke.(near Friendly's)

Pompton Plains, NJ

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Full Service Animal Hospital, Specializing in Cats & Dogs

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Why marriage can be good for your

healthcontinued from page 9

How to stop your puppy chewing problem

continued on next page

8/13/2019 221657_1389885542Jan 22 2014 Z1 LR

13/24

Why Married People Are

Happier, Healthier, and Better

off Financially, authors Linda

Waite and Maggie Gallagher

found married men are only

half as likely as bachelors and

one-third as likely as divorced

guys to take their own lives.

Wives are also much less like-

ly to commit suicide than sin-

gle, divorced or widowed

women. Married people are

much less likely to have prob-

lems with alcohol abuse or

illegal drugs. An international

study of 17 developed nations

from Steven Stack and J. Ross

Eshleman found that married

persons have a significantly

higher level of happiness than

persons who are not married,

even after controlling for gen-

der, age, education, children,

church attendance, financial

satisfaction, and self-reported

health.

There are many health-

related benefits to getting

married. Men and women

about to enter into a new life

together can add good health

to the reason why they are

happy about their upcoming

nuptials.


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healthcontinued from previous page

8/13/2019 221657_1389885542Jan 22 2014 Z1 LR

14/24


HOW LONG HAVE YOU SUFFERED FROM LOW BACK PAIN?HAVE YOU TRIED THE DRS SYSTEM?After only three weeks of treatment, clinical studies have shown outstanding

results in relieving the debilitating pain that may be caused by bulging, herniated,

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home-based businesses or who work

part-time but are home with their chil-dren during the day. The group offersa wide range of activitiesincluding: monthly socials, groupactivities/outings, play group opportu-nities and moms night out for themoms only along with communityservice projects. All activities and

service projects are voluntary. If youlive in Wayne and are interested injoining please e-mail [email protected] or go tohttp://www.meetup.com/moms-club-of-wayne/The Morning Minyan, a group of car-ing people dedicated to observing thetradition of daily prayer, meets at7:30am in the sanctuary of TempleBeth Tikvah, 950 Preakness Avenue inWayne. A light breakfast follows the15-20 minute prayer service. All arewelcomed!The Pines Lake Womans Club is anactive club opened to all women from

the Wayne area that are at least 18years old meet monthly on the second

Wednesday of the month at the PinesLake Elementary School cafeteria at

7:30pm. Visitors are welcomed. Theclub offers fun, friendship, and serv-ice. For more information call 973-835-3272 or e-mail [email protected] you struggling with a family, job,

or personal issue? Do you needanswers and resolutions for these

issues? The Mens Purity Group,Womens healing for the WoundedHeart, and grief-share groups meetevery Thursday at 7pm. All are wel-comed! You will be led by qualifiedChristian leaders, as well as find the

support and friendship of other menand women facing lifes problems. The

temple is located at 1111 PreaknessAve. in Wayne. For directions, call973-694-2938.

Wayne Toastmasters is a non-profiteducational organization dedicated to


We Deliverto Wayne, Pompton Lakes

& Riverdale

2230 Hamburg Turnpike, Wayne, New Jersey 07470 Tel: 973-839-8777Sunday-Thursday 10:30am-10:00pm Friday-Saturday 10:30am-11:00pm

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Community Happenings



b lif dl i j J 22 2014P 16 Z 1

8/13/2019 221657_1389885542Jan 22 2014 Z1 LR

16/24

1lb ground chopped meat

Chili powder

Onion Powder

1-8oz bottle Catalina Salad

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2-8oz bottle taco sauce

1 chopped onion

1 can sliced olives

-head lettuce- chopped

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you prefer your own taco mix.

Drain meat, add dressing and

taco sauce. Cool meat mixture.

Before serving, add lettuce,

tomatoes, onions and olives to

the meat mixture or you can

also arrange the ingredients in

layers. Serve with tortilla

chips. Garnish with shredded

cheese to taste.

Note: You can make the meat

mixture up to 2 days before

serving.


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i it b it t lif dl i jJanuary 22 2014 Zone 1 Page 17

8/13/2019 221657_1389885542Jan 22 2014 Z1 LR

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helping people overcome apprehen-sions about speaking in public, whileimproving communication and leader-ship skills. Guests are welcomed there is no charge to visit and no obli-gation to speak or to join. Meetingsheld every second and fourth Tuesdayof the month from 7-9pm. Please

arrive 15 minutes early. For moreinformation, call 973-633-9155 orvisit www.waynetoastmasters.com.


Anthony Francos Ristorante & Pizzeria

Nex t t o T r a de r Joes

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At Anthony Francoswe take our food preparation very seriously, and with so many pizzerias in our area vying for your business, we expect our customers to also take the food quality that they expect very seriously. Our buyingpower from operating 9 busy stores means not only lower prices for our customersbut exclusive deals with one of Wisconsins finest cheese dairies. At Anthony Francos we frown on the word "frozen"as we receive dailymeat and vegetable deliveries from the Hunts Point market in NY. Most of all, our pasta is of the finest quality, made freshand delivered to us weekly from one of Brooklyns oldest Pasta Houses.

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CHICKEN VEAL SEAFOOD PASTA HOT & COLD SANDWICHESCHICKEN VEAL SEAFOOD PASTA HOT & COLD SANDWICHES

HOT APPETIZERS ......................Half Tray ........Full TrayMozzarella Sticks ........................ ..................$35.00 ..............$70.00Buffalo Wings................................................$35.00 ..............$70.00Chicken Fingers ......................... ...................$35.00 ..............$70.00Pigs-in-a-Blanket ..........................................$35.00 ..............$70.00COLD APPETIZERS

Bruschetta ....................................................$35.00 ..............$70.00Fresh Mozz/Roasted Peppers ......................$35.00 ..............$70.00Eggplant Tower ............................................$35.00 ..............$70.00

SALADSHouse Salad..................................................$15.00 ..............$30.00(Add Chicken) ..............................................$10.00 ..............$20.00Caesar Salad ................................................$20.00 ..............$40.00(Add Chicken) ..............................................$10.00 ..............$20.00Greek Salad.. ......................... .......................$30.00 ..............$60.00Antipasto Platter............................................$30.00 ..............$60.00Fruit Platter....................................................$40.00 ..............$80.00

Wraps/SandwichesMixed Wraps & Sub Platters Available

Whole Wheat/Plain/Sun Dried tomato/Spinach Wraps3-6 Foot Subs Available

Garnished with lettuce, tomatoes, onions, oil & vinegar$14 per foot for a standard sub. For any specialty

subs contact the store manager for more information.

HALF TRAY: 8 TO 10 PEOPLE, FULL TRAY: 10 TO 15 PEOPLE

Community

Happeningscontinued from page 15

NEWwhats

in dining?

FeatureYour:

Late NIGHTplacestonosh

Brunch& LunchHOT SPOTSBestROMANTIC Choices

KID-friendlyEateries

ToAdvertise Call973.696.8008

Life&Leisure

The DiningGuide Section

visit our website at www lifeandleisurenj com January 22, 2014Page 18, Zone 1

8/13/2019 221657_1389885542Jan 22 2014 Z1 LR

18/24

O

ne of the best ways to

prevent or control

cardiovascular dis-

ease is to eat a healthy diet.Eating a diet rich in fruits,

veggies, lean protein and fiber

and, of course, low in

greasy fast food can consid-

erably reduce the risk of heart

disease. Here are six heart-

healthy eating tips for seniors:

1.Buy colorful fruits and veg-

etables. Adults should get at

least five servings per day of

fruits and vegetables. Make

sure you buy a variety of col-

ored fruits and vegetables to

ensure you get the rainbow of

benefits each color has to

offer.

2.Limit high-fat dairy and

meat. Buy skinless cuts of lean

meat with the least amount of

visible fat. Cuts that say loin

after them, like sirloin and

tenderloin, are often leaner

cuts. Fatty fish like salmon or

trout can also help increase

the bodys level of healthy

omega-3s.

3.Eat plenty of nuts and highfiber foods. Fiber can help

lower blood cholesterol, and it

keeps you full, which helps

you maintain a healthy

weight. You can find fiber in

fruits, veggies, beans and

whole-grain breads and cere-

als, as well as in nuts.

4.Dont buy butter. Avoiding

butter can help lower choles-

terol. Consider replacing but-ter with a more healthful

spread like Smart Balance,

Benechol, or Promise, which

contain plant sterols that may

help lower bad cholesterol.

5.Read nutrition labels.

Studies show that people who

read nutrition labels tend to

be slimmer than those who

dont. Its easy for salt and

sugar to sneak in to your diet,

especially with prepared foods,

so be sure to always read the

nutrition label.

6.Frozen or canned fruits and

veggies are okay. Remember

that frozen fruits and vegeta-

bles have the same vitamins

and minerals in them. This

knowledge makes keeping the

kitchen stocked with choles-

terol- and blood pressure-low-ering foods a little easier.

Choose unsalted or unsweet-

ened varieties when possible.

Sonia Scott is the owner of Dor-

son Home Care, a full-service

home health care agency provid-

ing families throughout North-

ern and Central New Jersey

with compassionate home care

services since 1989.

For more information, call

973-672-7691 or visit

www.dorsonhomecare.com.

Six heart-healthy

eating tips for seniors


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Fences serve many pur-

poses on a property andcan even add visual

appeal and value to a home.

A fence can effectively delin-

eate property borders, serve as

a safety barrier and keep pets

and children from wandering

into the street.

According to Zillow, an

online real estate database,erecting a fence on a property

in an area where fences are

common usually increases the

value of the home, putting it

in line with similar properties

nearby. However, this may

only be the case if the fence is

installed professionally and

matches other fencesthroughout the neighbor-

hood.

Homeowners planning

to install a fence should first

secure a copy of their proper-

ty surveys. A survey of the

property is often conducted

upon purchasing a home

and/or when the land andhome is being assessed. If you

do not have a survey, you can

hire a professional to conduct

one.

The survey will be handy

because it clearly marks prop-

erty lines. Depending on the

local regulations, fences may

need to be installed a certainnumber of inches or feet with-

in the property line. Your

municipality and building

code office will be able to

guide you further as to what is

legal. Reputable fencing com-

panies that work in the com-

munity should also have a

good understanding of fenc-ing regulations.

A permit is typically

needed to install a fence.

Either your contractor or you

will need to apply for the per-

mit before construction can

begin. It is best to follow the

visit our website at www.lifeandleisurenj.comy , , g

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 973-838-9300

KINNELON $595,000Smoke Rise Service Station available to pur-chase & keep as a service station.KIN3805KINNELON/SMOKE RISE 973-838-8400

LAFAYETTE $875,000Spectacular Young 4BR open fl plan Col,w/FDR, Huge Kit & FamRm, fin bsmt, on 28 acestate.2 meadows, great for horses. WYN0595

WAYNE 973-694-8000

POMPTON LAKES $249,900Quality 2/possible 3BR, 2Bth home w/upscaleKit, expanded Dinette/Skylite, LR w/French Drsto 2 level deck, landscaped yd. WYN0633

WAYNE 973-694-8000

LINCOLN PARK $459,00011+ acres w/3 out buildings, a diamond in therough. If you enjoy wildlife, gardening & trails,this is the place for you! WYN0949

WAYNE 973-694-8000

WANAQUE $449,990NEW construction. 2BR 2Bth at Wanaque Re-serve 55+ active adults w/20,000sf impressiveclubhouse loaded w/activities! WYN0802

WAYNE 973-694-8000

WAYNE $359,900Opportunity awaits! Expanded 3BR 2.5BthCape w/LR, FDR, Kit/Brkfst Bar, huge MasterBR Ste, 2GAR. Near school & lake. WYN0970

WAYNE 973-694-8000

WAYNE $369,000Packanack Lake. 4BR 2Bth Expanded Ranchw/LR/fplc, HW fls, screened porch, full Bsmt,2GAR & More on extra lge lot. WYN0969

WAYNE 973-694-8000

WAYNE $419,900Great new price! Spacious 3BR 2Bth ExpandedPines Lake Ranch w/wonderful FamRm addn, finlower level w/BR/Bth, priv level yd. WYN0710

WAYNE 973-694-8000

WAYNE $559,900Well maintained 4BR 2.5Bth home w/HW fls,SunRm/fplc, full bsmt, level yd, sprinkler sys-tem, 2GAR + MORE! WYN1005

WAYNE 973-694-8000

WAYNE $749,0004yr young Custom Col w/no expense spared!LR, DR/fplc, EIK, MBR Ste/fplc/Bth, beautifulfin bsmt, circ drive + 2GAR. WYN0946

WAYNE 973-694-8000

WAYNE $1,599,000Impressive 6,700sf cust 5BR 5.2Bth homew/sweeping bridal staircase, 2-Sty GreatRm, wetbar, huge kit, pool, maids qtrs + 4GAR. WYN0823

WAYNE 973-694-8000

CLIFTON $749,000Stunning updtd 3BR 2.5Bth Cust w/HW fls thru-out ,Kit & Bth heated fls, wood accents, IG pool,

MORE! SMART technology home. WYN0831WAYNE 973-694-8000

HALEDON $154,900John St. Commons! Well priced 1BR unitw/open flr plan, Kit/Maple/Granite, lots of nat-

ural light. WYN0997WAYNE 973-694-8000

KINNELON $2,300Well maintained & updated 4BR/1.2BA Bi-Level/H/W Flrs/1C Gar./cul-de-sac loc.

KIN5926KINNELON/SMOKE RISE 973-838-9300

KINNELON $3,000Charming 3 level home on .94 Acs. Beautifullylandscaped in a Lake community.

KIN5663KINNELON/SMOKE RISE 973-838-9300

KINNELON $249,900Fab opportunity to own Highway Property.Zoned Res.-possibly change to Highway

Comm. KIN3699KINNELON/SMOKE RISE 973-838-9300

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 $497,875Fayson Lks-Classic 4BR/2.1BA Col./updatedKit/2C Gar./circular driveway & more.KIN5618KINNELON/SMOKE RISE 973-838-9300

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 $555,000All brick spacious 4BR/2.1BA Ranch w/charm-ing front porch/W/O lower level/2C Gar.KIN3924KINNELON/SMOKE RISE 973-838-9300

KINNELON $1,399,000Elegant oversized 5BR 4.1BA Custom homew/custom trim/woodwork. Magnificent cust Kit.w/Viking Range. A must see. KIN3882KINNELON/SMOKE RISE 973-838-9300

KINNELON $799,000Smoke Rise-Stunning 5BR/3BA RenovatedExp. Ranch. Perfect mix of charm/character &quality on park like property. KIN3848KINNELON/SMOKE RISE 973-838-9300

KINNELON $975,000Elegant CHC w/5BRS/3.1BTHS 2 storyFoyer/SS Appls/wet bar/Mstr.BR Suite w/trayceiling/I/G Pool. KIN3795KINNELON/SMOKE RISE 973-838-9300

RENTA

L

RENTA

L

LAND

Steps to take before erecting a fence


8/13/2019 221657_1389885542Jan 22 2014 Z1 LR

20/24

antique tiles can give an

authentic patina to a historic

home, and Brettler recom-

mends mixing tile and stone so

the look isnt so intense.

FINDING YOUR COM-

FORT ZONE

According to Elissa

Morgante, principal at

Morgante Wilson Architects in

Chicago, people are movingtoward much more casual and

interactive living.-This trans-

lates into making all rooms in

the home inviting and multi-

functional, to foster together-

ness in comfortable spaces that

will actually be used.

Hazard adds that practical-

ity and individuality will domi-

nate next year, with upholstery

expected to bring presence and

sophistication while still deliver-ing all-day comfort.

The Wayne Chapter of

UNICO National

invites residents to

attend its Rediscover Your

Italian Heritage event on

Sunday February 9 from

25pm at the Pompton

Falls Fire Dept. No. 3, 130

Jackson Avenue in

Wayne.

Celebrate the cul-

ture, traditions and histo-ry of Italian-Americans in

a fun and festive atmos-

phere that will include

food tastings, demos, a lan-

guage lesson, entertainment

and cultural information.

Delicious homemade Italian

specialties, such as bruschetta,

mozzarella and antipasto, fol-

lowed by an array of tasty

Italian desserts, will be served

while attendees enjoy anentertaining heritage and cul-

ture program. There will be a

special exhibit called

Treasures from Home: a dis-

play of mementos and col-

lectibles from Italy that were

brought to America by ances-

tors of UNICO members.

Wayne UNICO is a local

chapter of UNICO National,

the largest Italian-American

service and charitable organi-

zation in America, with over

120 local chapters in 22 states.

Founded in 1922, UNICONational is dedicated to pro-

moting and defending Italian

heritage while supporting

charitable causes such as can-

cer research, Cooleys anemia,

mental health, granting of

scholarships to deserving

young people and many

other causes, locally and

nationally. New members

are always welcome and

membership applications

will be available at the

event.There is no cost to attend

this very special Italian

heritage event but a reser-

vation is required and atten-

dance is limited. The deadline

for making reservations is

February 2. To reserve your

spot or to get more informa-

tion, contact Steve

Calantone, president of the

Wayne chapter of UNICO, at

862-668-8682 or [email protected].

v s t ou webs te at j

2010 Coldwell Banker Real Estate LLC. Coldwell Banker is a registered trademark of Coldwell Banker LLC.An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC.

REALTOR

% %

$####"!

Patti TahanManager

Want A Future??

Be in charge of your income,your time and your life.

A real estate career affordsyou independence!

Work with ColdwellBanker - the respectedleader in real estate.

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Wayne UNICO hosts Italian

heritage event

Top 10 homedecor trends for

2014continued from page 11


8/13/2019 221657_1389885542Jan 22 2014 Z1 LR

21/24

Wayne Historic

House Museums,533 Berdan Ave.,

is hosting a winter-long snow

structure contest from January

3March 9.

The structures can be

made any day between dawn

and dusk near the front of the

historic houses or near thelarge banner board. Parti-

cipants should submit their

contact information via the e-

mail link on the Museums

page (under the Visitor

link) at www.waynetown-

ship.com or leave a phone

message at 973-694-7192.Staff will take photos,

but if a structure might melt

quickly, participants are

encouraged to take their own

photos and submit them

along with their contact

information.

Theres a prize for everysnow structure: the choice of a

historical book or toy. A sur-

prise grand prize worth $50

will be given to the first-place

winner.

j

[email protected]

NJAR MILLION DOLLARSALES CLUB 2001

NJ CIRCLE OF EXCELLENCE2002-2012

ConsistentTOP PRODUCERin the WAYNE area.

Townhome Specialist Relocation Agent

CALL MARIA at973-986-6914 Cellfor CURRENT MARKET VALUE OF YOUR HOME

SHORT SALE AGENTOwe more than your home is worth?

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

MARIA FERRITO

WAYNE$449,999

VALLEY SECTIONBI-LEVEL

4BRS, freshly painted

with hardwood floors

and 2 car garage.

970 Valley Road Wayne, NJ (973) 694-6500200 Grand Avenue Hawthorne, NJ (973) 427-9337

www.RandRealty.com2014 Independently Owned andOperated by the Rand Family and

Licensed in NY, NJ, and CT

C E L E B R A T I N G

HACKENSACK $135,000Spacious 1 Bedroom Condo FeaturesKitchen, Living Room/Dining RoomCombo & Full Bath. Great Location!

WEB#3110020

Joseph Simone

SPARTA $224,4003BR, 2BA Cape on Oversized Lot in GreatQuiet Neighborhood! LR w/FPL,EIK,Par-tially Fin Basement w/Rec Rm, Deck,1Car Garage.

WEB#3109205

Joseph Simone

HAWTHOR NE $319,000Spacious Ranch Featuring LR/DRCombo, Very Large Modern KIT, 3 BRw/Double Closets, Updated BA, 1stFloor Laundry.

WEB#3109538

Mary Contini

UNION $142,000Bank Owned Colonial Style Home InNeed Of Repairs. LR, DR, KIT, 3BR, 2BA.Fin Attic & Basement. SOLD AS IS.

WEB#3110074

Joseph Vecchione

NORTH HALEDON $309,000Two-family on large lot. Very well main-tained. 1st flr: LR, kit, 2BR, BA, den. 2ndflr: LR, kit, 2BR, BA. Large gazebo &shed. Low taxes!

WEB#3077174

Mary Contini

VERONA $127,500Kathleen Gardens 2nd Floor Condo fea-tures Eat-in-kitchen, Living Room, DiningArea, Spacious Bedroom w/DoubleClosets & Full Bath.

WEB#3112453

Joseph Simone

NORTH HALEDON $364,9002 Family w/2car det gar, w/o bsmnt,dual laundry access. Renovated 2nd flrw/great closet & storage, fresh paint,new carpet, 3 Season Rm.

WEB#3111850

Shawn Anen

WAYNE $750,000Gorgeous 5BR, 2.5BA home was themodel for the neighborhood! Over 4,000sqft of living space. EIK, FR w/FPL, spec-tacular oak staircase.

WEB#3110453

Gene Lowe

PARAMUS $1,349,000The height of luxury and elegance, 6BR,5.5BA Custom home boasts every imag-inable upgrade & attention to detail ahomeowner could want.

WEB#3112512

Gene Lowe

WEST MILFORD $99,900BANK HAS APPROVED SHORT SALE!Perfect starter home. 2BR, RenovatedKIT & BA, wood burning stoves in DR &FR, HW through out.

WEB#3111639

Gary K. Kraft

POMPTON LAKES $149,900Beautifully renovated 3BR ranch. LargeKIT w/separate dining area & LR w/FPL,newly refinished HW. Freshly painted.Spacious yard.

WEB#3111821

Gene Lowe

WEST MILFORD $499,000Beautiful updated 2BR Colonial. EIK, din-ing area with sliders to DK, LR w/FPL,2nd floor laundry room & finished base-ment w/FR.

WEB#3107734

Gene Lowe

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Wayne Historic House Museums hosts snow structure contest


8/13/2019 221657_1389885542Jan 22 2014 Z1 LR

22/24

0051 AUTOMO-

BILES WANTED

WE BUY CARS !

WE BUY TRUCKS !RONNIES IN

WAYNE

973-616-7900

WE PAY FOR

JUNK CARS

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0230 FIREWOOD

Dry/Seasoned

Hdwd Split, Deliv.

Stacking avail.

1/4, 1/2, full cords

Call 973-316-9574

SPLIT,SEASONED &DELIVERED

$180. full cord, $110.half cord.

Call 973-296-3307

HELP WANTED0280 - 0329

0294 HELPWANTED FOOD

SERVICE

Needed:Pizza MakerCounter Person, P/T

Wayne area. Moms &Col.students welcomeDriver also needed.

Call Bill 973-619-4069

SERVICES

0610 - 0959

0655 SERVICES

CARPET

G&S Carpet

Cleaning

& Floor ServiceResidential

& Commercial

973-839-6436

0684SER.COMM/RESI.

CLEAN

Aida s Clean ingServiceLincoln Pk, N.J.Home or Office

Experienced, Reliableand Detailed. SpeaksEnglish & PortugueseReference Available

Call 908-764-8966

0685 SERVICES

CLEANING

Best Cleaning Ser.FREE ESTIMATES

for office,apt,housecall BARBARA973-779-1546

Brazilian WomanCleans & Organizes

Homes. Refs. avail.Karla 201-618-4036

Busy Bee CleaningResidential,10yrs exp.

owner oper. Ref.avail. Reliable, attn

to detail

Call 973-797-9951

HOUSE CLEANING

HOME-OFFICE-APT

Regina-973-249-8907

Mariyas Cleaning

ServiceUkrainian ladies cleanyour home or office to

your completesatisfaction. Exper.

Refs Avail

Call 973-557-3621

0686 CLEANOUT

SERVICE

All appliances,unwanted junk, scrapmetal, bldg. materials.

Tear down & takeaway sheds. Attics &

Bsmnt cleaned.Things your

garbagemen wontpick up.

WE DO !!! CALL

862-200-1283

0725 SERVICES

DRIVEWAYS

0730 SERVICES

ELECTRICAL

0774 SERVICES

HANDYMAN

0785 SER. HOME

IMPROVEMENT

0826 SERVICES

PLUMBING

0931 SER.-TV/AUDIO

INSTALLED

The TV GuyIf you need your TV,

Home Theater, Audio/

Stereo Equipment in-

stalled or connected.

Big or Small...We do

it All. Call Mike

973-495-3775

SERVICE DIRECTORY & CLASSIFIEDS

Vinyl SidingReplacement Windows

Residential Roofing35+ Years Experience

ROSSROOFING & SIDING

973-696-5699Free Estimates Fully Insured

ASPHALTMAINTENANCE INC.

Driveways & Parking Lots

973-299-9226

Paving Sealing Curbs Retaining Walls Pavers Drains Patches Excavation

Free Estimates

0932 SERVICES TREE

CMR SERVICES973-703-3039

Cleanouts &Dumpster ServicesFully Insured NJ Lic #A901

FREE ESTIMATE

Estates Abandoned PropStorefronts Basements

Whole House Attics

Regain Valuable Storage!We dispose unwante d items in an

environmentally safe way.

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All Types of Brick, Block,Concrete, Fireplaces,

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Free Estimate - Fully Insured

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Parking for rent,

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A True ProfessionalDecorative, Faux &

Textural Finishes, Glazing,Sheetrock, Spackle,

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Interior/ExteriorFully Insured

References available20 years Experience

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8/13/2019 221657_1389885542Jan 22 2014 Z1 LR

23/24

when they do need it or to pass

it on to their beneficiaries, then

read carefully. There is a better

way, not known by most finan-

cial professionals or the compa-

nies they represent, to converttaxable IRA accounts to either

a tax-free income or a tax-free

bequest better than a Roth

IRA.

Turn your taxable IRA

into a tax-free income stream

and a tax-free bequest to your

children at the same time! I

will discuss this and demon-

strate the technique at our

workshop on Tuesday, January

28 from 13pm and repeated at79pm. The location is 901 Rt.

23 South in Pompton Plains,

above Lakeland Bank.

On Wednesday, January

29, our workshop will discuss

strategies and techniques to

mitigate NJ estate taxes. On

Thursday, January 30 is the ses-

sion on guaranteeing your

retirement income for the rest

of your life and spouses life,

too. Here you will learn how to

benefit from rises in the stock

market without the risk of lossto your monthly income.

If you plan to retire, are

already retired, hate paying

taxes or being forced to take

your minimum required distri-

bution from your IRA and pay-

ing taxes on that, you do not

want to miss this informational

workshop program. Mark your

calendars for January 28, 29

and 30 to attend this educa-

tional event. There is no cost,no fee and no obligation. No

kidding! My only request is

that you register in advance.

Learn how to maximize your

income today while protecting,

preserving and perpetuating

your wealth for tomorrow.

Call 973-831-4424 to

reserve your seats.

Mark E. Charnet is president

and founder of American Pros-

perity Group. APG is the pre-

mier retirement and estate-plan-ning franchise in the U.S. with

19 offices in eight states. Char-

net is a certified annuity special-

ist, a certified senior advisor

and has 33 years experience in

the retirement and estate-plan-

ning fields. Creator of the trini-

ty method of investing, he en-

courages your inquiries and can

be reached at: 973-831-4424

or [email protected].

For more information, visitwww.1apg.com. Interested

in a new career? Visit

www.apgfranchise.com.

Securities through: BCG

Securities, Inc., member SIPC,

FINRA and a registered

investment advisor.

Retirement plan taxation pay now or later?


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