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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.

Diamond shoppers: we challenge you!

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

January 22, 2014

Zone 3, Vol. 12, No. 1

We are a Family, Friendly Publication

SCHOOLREGISTRATION

SEE PAGE 8

8/13/2019 221657_1389885668Jan 22 2014 Z3 LR

2/24

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

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

JAN 28

Passaic County CASA (CourtAppointed Special Advocates) forChildren is asking people to make adifference with their New Years reso-lutions by becoming a volunteer Court

Appointed 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 an

application, visit CASA online atwww.passaiccounty casa.org or contact

Office Coordinator StephenWesolowski 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.

JAN 29

Intermediate: Feng Shui. Back bypopular demand! Join teacher VikkiAnderson at the Riverdale Public

Library on Wednesday, January 29from 6-8pm. Learn about the Bagua,or Feng Shui floor plan, and discoverhow changes in your environment willbring positive opportunities and ener-

gy into your life! For more informa-tion or to register for this program,

call the library at 973-835-5044 orregister online at www.riverdaleli-

brary.org.

JAN 31

See & Sign on Friday, January 31from 11am-12pm.Riverdale communi-ty member Mrs. Candy Spain will behere to teach you and your child signlanguage through fun songs and sim-ple instruction. For infants to childrenage 6 with a caregiver. Registration is

required. Call 973-835-5044, goonline at www.riverdale library.org, oremail [email protected] toregister.

visit our website at www.lifeandleisurenj.com January 22, 2014Page 2, Zone 3

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

Lincoln Park, NJ 07035 i 973.696.8008

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

Sales: Lisa Buniewski, George Papendicki 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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visit our website at www.lifeandleisurenj.comJanuary 22, 2014 Zone 3, Page 3

8/13/2019 221657_1389885668Jan 22 2014 Z3 LR

4/24

Ialways look forward to

confirming 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

maximum contribution to a

simplified employee pension

(SEP) plan $51,000 for

2013. At the federal incometax bracket of 39.6 percent,

this is a tax savings of

$20,196. Stated differently,

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 a

very compelling argument to

make this contribution everyyear, but is it really worth it?

Lets envision my SEP contri-

bution 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

pitcher to drink, the remain-

ing water in the pitcher willcontinue to earn interest, div-

idends and appreciation from

the stock market. In essence,

the water flowing from the

pitcher 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-deduction I take for

the SEP contribution is mak-

ing the shot glass tax

deductible. The pitcher,

which represents the accumu-

lation, grows tax-deferred.

The disbursed income, repre-

sented by the bathtub,

whether I live to spend it all

or die with a tub full of water,

will be 100 percent taxable,

either to me or my beneficiar-

ies. With my choice to take

the deduction today, I amchoosing to tax the biggest

pile of money, the income for

the rest of my life. My kids

will bear the burden of paying

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

bathtub size portion. Yet,

common sense dictates that I

take the deduction now for

the very compelling reasons

stated in the opening para-

graph.

It is a very confusing

concept, since the tax savings

from the SEP contribution

could be saved and invested as

well to grow an even larger

amount for retirement. Sometax professionals argue that

deductions should be taken

today since you will be in a

lower tax bracket in the future

when retired. Many of 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 ulti-mately their bequest.

What if there were a way

to benefit from both disci-

plines by taking the deduc-

tions to fund your contribu-

tions to an IRA, 401k, profit-

sharing or pension plan while

working, then having the abil-

ity to enjoy tax-free income in

retirement, as well as passing-

on your wealth tax-free to

your favorite charities, and

your children and grandchil-

dren? The concept can beapplied for people during their

working and portfolio accu-

mulation years, as well as

those individuals already

retired with larger taxable

IRA balances in their portfo-

lio 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 IRAand if they werent forced out,

didnt need the money and

would rather leave it in their

account for when they do

need it or to pass it on to their

beneficiaries, then read care-

fully. There is a better way,

not known by most financial

professionals or the companiesthey represent, to convert tax-

able 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, January28 from 13pm and repeated


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Retirement plan taxation pay now or later? By Mark Charnet

continued on page 11

8/13/2019 221657_1389885668Jan 22 2014 Z3 LR

5/24

The most popular

date to get marriedin 2013 was

October 12. More than

24,000 couples who used

TheKnot.com to plan

their weddings listed 10-

12-13 as their wedding

dates, according to

TheKnot.com, an online

resource catering to cou-

ples planning their wed-

dings. The next most pop-

ular date in 2013 was June1. Though this might lead

many to conclude that fall

weddings were more popu-

lar than summer wed-

dings, thats not entirely

true. TheKnot.com notes

that June was the most

popular month to marry in

2013, followed by

September and October.

In addition, where couples

are tying the knot tends to

influence when they

exchange their vows. For

example, November andDecember are the most

popular months to tie the

knot in Florida, where

late-spring and early sum-

mer temperatures can be

especially harsh.


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FEB 5

Teen movie night at the RiverdalePublic Library on Wednesday, February

5 from 5:30-7:45pm. Enjoy popcornand a great film! In February, seeAnne Hathaway as your not-so-normalroyal in The Princess Diaries (RatedG, 115 min.) Registration is requiredfor Grades 6 and up. Call 973-835-5044 or go online at www.riverdaleli-brary.org, or email [email protected] to register.

Around the

CommunityStory Times for Infants and Pre-School children. For two-year-olds witha caregiver, theres Totally Twos onMondays from 10:15-10:45am; forinfants with a caregiver, check outBaby Time on Mondays from 11-11:30am; for three- to five-year-olds,

come to Preschool Pals on Tuesdays ateither 10:15-11am or 1:30-2:15pm.Registration is required. Please call

973-835-5044, go online atwww.r iverda lelib rary.or g, or email

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 dental

and gum health by growing

below the gum line and on thechewing surfaces. It competes

with harmful bacteria for

nutrients and space, and helps

reduce the bacteria that cause

bad 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, artifi-

cial 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

1982. Dr.Bruscos practice is lo-

cated at 170 Kinnelon Road,

Suite 29A in Kinnelon. You

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

web at www.drbrusco.com.

Probiotic mouthrinsesBy Peter Brusco, DMD


Service With a

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Community

Happeningscontinued from page 2


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7/24


WinterSpecial...

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Dr. Peter Brusco, D.M.D.

Preventing cavities,

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saving your teeth for alifetime for over 30 years.

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Developing the Foundation for a Lifetime of School Success!

Family Owned and Operated Est. 1972

CORE APPLECORE APPLE

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years over 90% of ourchildren scored in the top

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and they are having theMOST FUN in their

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Unique Phonics

Reading Program Hands on Math Curriculum Computers Music Foreign Language 3 or 5 Half Days Full Days 7am-6:30pm Fastrackids Parenting Seminars Character Education After School Clubs

Summer CampAges 2-12 Years Daily Swimming Lessons,

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POMPTON LAKES

8/13/2019 221657_1389885668Jan 22 2014 Z3 LR

10/24

The Pompton Lakes

Music Parents

Association will host

a pizza showdown at the

Pompton Lakes VFW on

Saturday, January 25 from

noon2pm. Tickets are $5

and include all-you-can-eat

pizza (and drinks) from each

of the participating pizza par-

lors in the tri-county area.

Every person will get

one ballot to vote for their

favorite slice. The winning

pizza parlor will receive a

banner to hang in its estab-

lishment, plus bragging rights

as the best slice in the tri-

county area!

Participating pizza par-

lors include Pizza 1 in

Haskell, Tonys in Pompton

Lakes, Franks in Pompton

Lakes, King and Sons in

Pompton Lakes, Coney

Island Pizza in Riverdale,

Primo Pizza in Wayne and

Tonys Brothers in Oakland.

All proceeds go to the

PLHS Music Parents

Association to support the

high school music depart-

ment and scholarship fund.

Plan on bringing your family

and friends to this fun (and

delicious) event!

The Pompton Lakes

VFW is located at 260

Wanaque Ave., behind the

Pompton Lakes Diner.

For more information, or to

have your pizza parlor partici-

pate, contact Tom Jeron at

[email protected] or 973-626-

6620, or Rich Rosenboom at

[email protected]

or 201-506-0829.


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Physical Therapy - Speech Therapy

Occupational Therapy

Sensory Integration

Has your childbeen diagnosedwith...Cerebral Palsy

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Balance/CoordinationDisorder

Hypertonia(increased muscle tone)

Hypotonia(low muscle tone)

Down Syndrome

Spina Bifida

Metabolic Disorder

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We can help, give us a call

973.616.830018 Newark Pompton Tpk

Riverdale

Tri-county pizza

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8/13/2019 221657_1389885668Jan 22 2014 Z3 LR

11/24

[email protected] to regis-ter.Teen Volunteers. Are you interestedin volunteering as a Homework Helperor at a childrens afterschool program?Contact Miss Lara at 973-835-5044 [email protected] Gospel Church, 1559Hamburg Tpk, Wayne. Services; 10am-worshi p Servi ce; 11am-c offee andbagels; 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: Spring2014 Perspectives 15 weeks; 15Instructors; one epic story. Classes areMonday evenings from 6:30-9:30pmJanuary 6 to May 5; biblical, historical,cultural, strategic. Get threaded into

at 79pm. 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

session 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 loss to 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

paying taxes on that, you do

not want to miss this informa-

tional workshop program.

Mark your calendars for

January 28, 29 and 30 to

attend this educational 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 protect-

ing, preserving and perpetuat-

ing your wealth for tomor-

row.

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-planning

fields. Creator of the trinity

method of investing, he encour-

ages your inquiries and can be

reached at: 973-831-4424 or

[email protected]. For

more information, visit

www.1apg.com. Interested in a

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continued from page 4

Community Happenings



8/13/2019 221657_1389885668Jan 22 2014 Z3 LR

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Gods story this fall as you experienceHis heart for every tribe, tongue, peo-ple 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 eternaldesire since the beginning of time.Enroll online at: www.

Perspectives.org/GreenPond or Call973 697 0990. What is perspectives?Check it out! At http://vimeo.com/5686660.The Unorthodox Wood Carving Club is

now excepting new members. We area small group of woodcarvers withinterests in carving duck decoys, birds,and all other types of wood carvingdesigns. Some power equipment avail-able for use. Please stop by PomptonMill Works 2nd Floor 145 RingwoodAve Wanaque or call 973-934-6520for more information.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 is a

Christian ministry dedicated to helping

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.

How to stop your puppy chewing problem


Dr. Matthew Krupnick, D.V.M.

591 Newark Pompton Tpke.(near Friendly's)

Pompton Plains, NJ

973.616.0400

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

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Caring & Competent Staff

On October 23, the staff at Fantastic Sams hair salon in Kinnelon

hosted a breast cancer blowout event. Guests received a pink shirtand complimentary products, and all proceeds benefited the Susan

G. Komen organization. Thank you to all who participated!



continued on next page

8/13/2019 221657_1389885668Jan 22 2014 Z3 LR

13/24

veterans find peace with themselves andthe world around them. If you are doingfine after the war, thats fantastic butdont forget about your buddies who arestill suffering. Find out how you 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 PlainsThe Pompton Lakes Republican Club

invites you to its monthly meetings onthe third Thursday of each month at theVFW Post 2906 off Wanaque Avenue in

Pompton Lakes. Membership is open tothe public. Get involved with the PLRCand participate in informative meetings,community outreach, scholarships foryouth, and social activities. Questions?Call 973-835-4025 or [email protected] Circle of Friendship, a non-denom-inational support group for the separat-

ed and divorced, meets at 7:30pm onthe first, third and fifth Thursdays ofeach month at St. Marys Church 17Pompton Ave. in Pompton Lakes. Forfurther information call the parish at973-835-0374.



continued from previous page

To Advertise

Call 973-696-8008

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One 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 high

fiber 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

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Six heart-healthy eating tips for seniors


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Renew. Rejuvenate. Re-

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New Years resolutions can be

just as easily be applied to their

homes. Theres no better time

to give a home a fresh look,

whether its incorporating a

new color palette, adding

accessories, repurposing furni-

ture or putting something

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COLOR

Residential interior de-

signer Gary McBournie recom-

mends 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

House, agrees that color

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

and well-worn leather in a mas-

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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Top 10 home decor trends for 2014


i it b it t lif dl i jJanuary 22 2014 Zone 3 Page 17

8/13/2019 221657_1389885668Jan 22 2014 Z3 LR

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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

same warm glow as traditional

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-

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Washington, DC designer

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visit our website at www lifeandleisurenj com January 22, 2014Page 18, Zone 3

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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 andblankets, 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 recog-nized 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 feelingof 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 orantique 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 moving

toward much more casual andinteractive 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 practi-

cality and individuality will

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Qualtiy Service Pinnacle ProducerPresidents Producer

Cell: 973-460-4352

Mortgage Payments listed above are based on principal and interest only and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR basedon a 740 credit score as of January 14, 2014. Terms for Condos listed above are subject to meeting Fannie Mae Guidelines. This information is not to be considered a commitment to lend. Programs and termsare subject to change without notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ, NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35286. Equal Housing Lender.


$891 per month30Yr Fixed w/0 points.4.5/4.641% APR

CEDAR GROVE $725,000$2,982 per month



$2,472 per month30Yr Fixed w/0 points 4.5/4.563% APR

POMPTON LAKES $345,000$1,398 per month

30Yr Fixed w/0 points.4.5/4.597% APR

WEST MILFORD $539,900$2,188 per month


BLOOMINGDALE $369,000


DecemberListingsDecemberSales





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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 delineate

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 fences through-out the neighborhood.

Homeowners planning to

install a fence should first

secure a copy of their property

surveys. A survey of the prop-

erty is often conducted upon

purchasing a home and/or

when the land and home is

being assessed. If you do nothave 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 certain

number of inches or feet with-

in the property line. Yourmunicipality and building code

office will be able to guide you

further as to what is legal.

Reputable fencing companies

that work in the community

should also have a good under-

dominate next year, with

upholstery expected to bring

presence and sophistication

while still delivering all-day

comfort.

j

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

Top 10 home

decor trends for2014continued from previous page

Steps to take before erecting a fence



8/13/2019 221657_1389885668Jan 22 2014 Z3 LR

22/24

standing of fencing regula-

tions.

A permit is typicallyneeded 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

law so that the fence can be

installed in a manner that is

consistent with local regula-

tions and will not be subject topotentially costly removal.

As a courtesy, speak with

your neighbors about your

fencing plans. The fence will

separate your properties from

one another, and your neigh-

bors may have certain feelings

about what they want to look

at. Even if a neighbor is notsharing the cost, it is a good

idea to discuss fencing with

your neighbors in an effort to

reduce the likelihood of con-

flict down the road. Fences

have been points of con-

tention between neighbors,

and you don't want a previous-

ly amicable relationship toturn sour.

In some instances, neigh-

bors will be excited about the

prospect of a fence and may

want to share the cost. Fencing

contractors may offer discounts

for multi-home installations,

so it pays to inquire with the

neighbors for that reasonalone.

Homes with pools may

need fences as a safety precau-

tion. Be sure they fit the proto-

col. They may need self-latch-

ing/locking gates to prevent

entry to the yard.

A fence can be a good

investment, but homeownersmust take the appropriate legal

measures and consider their

neighbors before erecting any

fences

[email protected]

NJAR MILLION DOLLARSALES CLUB 2001

NJ CIRCLE OF EXCELLENCE2002-2012Consistent

TOP PRODUCER

in 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

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BI-LEVEL4BRS, freshly painted

with hardwood floors

and 2 car garage.

973-838-10011333 Route 23 South BUTLER

www.c21preferredrealty.comJeff MontemaranoMaryann Brown

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

WAYNE STARTING

AT: $889,000

NEW CONSTRUCTIONNew 9 Lot Subdivision of Custom Homes

with only 3 left. Some of the features

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rm and foyer, Hardwood floors,

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HIDDEN GLEN DEVELOPEMENT

BLOOMINGDALE$479,900

YOUR DREAM HOME!A Classic Never Goes Out of Style! This spa-

cious COL has lots to offer. GR w/lrg FP tokeep you warm in winter and a Deck forBBQs in summer! Big bright KIT, island seat-ing, w/lrg sitting rm off KIT; 3c gar. Big BSMTjust waiting for your finishing touches! MBRsuite w/private BA and walk-in closet.

RIVERDALE$205,500

GORGEOUS MODEL!Gorgeous Chestnut model featuring open fl.plan on the 1st Fl. 1 BR EIK kit w/ counterbar, DR/LR combination w/ balcony. MBR

w/ spacious walk-in closet and full bath.

Beautiful tile/wood-like floors, crown mold-ing, fitness center, pool & tennis courts. Allappliances inc. & 1 assigned parking.

BUTLER$450,000

CALLING ALLCONTRACTORS!

Need a place to run your business as well askeep your equipment? This is it! 40x40Building w/ a small office located on thesecond floor of the building on almost halfan acre of property! Dont Wait!

WEST MILFORD$284,500

55+ ADULTCOMMUNITY

Spacious open floor plan. Formal living +dining space. FP, kit w/ separate dining

area. Lrg storage room , lrg cedar closet,high ceilings and Office/Den/FR. In a greatlocation. Call for details.

WEST MILFORD$349,000

IMMACULATE HOMEImmaculate spacious 3 BR home w/ gourmetkitchen and breakfast bar, 2 full baths onmain floor, spacious deck off DR. Fam. Rm

w/ separate office area w/ outside entrance

or den/workout rm. Spacious backyard.Close to shopping, schools, etc. So many pos-sibilities w/ flexible floor plan.

POMPTON LAKES$260,000

PRISTINE CONDITION2BR, 2.5 BA Townhouse in Pristine condition.New kit, granite counter-tops, updated BA w/custom tile work/new vanities, EngineeredHW fl throughout! FDR, Sunken LR with gasfp and SLDR leading to deck. 2 large BR withensuite BA. Partially finished large bsmt w/9ft ceilings. add. room for storage.

JERSEY CITY$175,900

GREAT VIEW OF NYC!Nice 2 BR condo w/ great view of NYC. Unitfreshly painted. Large eat-in kitchen with s.steel appliances. LR w/ accented brick wall.High ceilings and parquet floors throughout.Storage in basement. Public transportationavailable, close to park and dog park.Community garden area for residence.

POMPTON LAKES$149,000

GREAT OPPORTUNITYTO OWN

Move in ready w/ a new Kit w/ appliances.DR. 3 Brs. New HWBB furn & HWH. HWFloors & new electric fenced yard, AttachedGarage. Near schools and transportation.Call for more info.

WANAQUE$293,500

MEADOW BROOKESTATES

Custom home w/4 Bedrooms, 2 Full Baths,1 car gar + newer roof, siding & shed. Thishome sits on beautifully landscaped proper-ty with over sized backyard featuring an In-Ground Pool.

BUTLER$227,500

BARGAIN BUILDINGGreat multi-use bldg. Mixed use for

retail/office plus large 2 BR apt. AmpleParking. Front and Rear Entrances.Convenient location to highway and highlyvisible space for a business location. Letyour imagination take over.

Real Estate SalesChoose a career with

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Call our Butler office today and speak to

Office Manager Joan Sharpe for a

confidential interview at 973-838-1001.

BLOOMINGDALE$475,000

GREAT OPPORTUNITYThis custom all brick 2 family plus in law-suite

is well maintained, 1st floor LR has gas fire-place, large EIK, and 3 bedrooms. w/ addi-tional in law-suite w/ separate kitchen andseparate entrance. Second floor unit has 3bedrooms, new eat-in kitchen and 3 bed-rooms and bath. There is a 2 car garage.

LINCOLN PARK$225,900

CHARMING CAPE HOME!Youll feel right at home the moment you stepinto this lovely 3BR/ 2BA Cape Cod home.Updated EIK and BR. Formal DR w/ s.doors tothe patio and level yard. Newer furnace & hwheater. Close to major highways, shops andpublic transportation. HW flooring and wall to

wall carpeting. Move in ready.

JUSTL

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COMM

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INDUSTRI

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Safeway Movers Morris County/Kinnelon, NJ

973-283-0900 866-Piano-41

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Steps to take before erecting a fence



8/13/2019 221657_1389885668Jan 22 2014 Z3 LR

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0051 AUTOMO-

BILES WANTED

WE BUY CARS !

WE BUY TRUCKS !RONNIES IN

WAYNE

973-616-7900

WE PAY FOR

JUNK CARS

973-220-0202

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

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0684SER.COMM/RESI.

CLEAN

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Experienced, Reliableand Detailed. SpeaksEnglish & PortugueseReference Available

Call 908-764-8966

0685 SERVICES

CLEANING

Best Cleaning Ser.FREE ESTIMATES

for office,apt,housecall BARBARA

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owner oper. Ref.avail. Reliable, attn

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Call 973-797-9951

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

Tear down & takeaway sheds. Attics &

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garbagemen wontpick up.

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The TV GuyIf you need your TV,

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stalled or connected.

Big or Small...We do

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SERVICE DIRECTORY & CLASSIFIEDS

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Cleanouts &Dumpster ServicesFully Insured NJ Lic #A901

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Whole House Attics

Regain Valuable Storage!We dispose unwanted items in an

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ROOFING

PARKINGAVAILABLE

Availabl e

Parking for rent,

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Call Sal for

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973-519-1725

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References available20 years Experience

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Documents

221657_1389885668Jan 22 2014 Z3 LR