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Early fall is a great time of

year to make improve-ments inside and outside

of your home, but you dont have

to do it all alone. The dedicated

staff at Seelas Paint in Wayne is

eager to help you every step of

the way. The family-owned busi-

ness has always been known for

providing advice and personal

attention to each customers

home improvement project.

In fact, it was 60 years ago

when Al Seela founded his busi-ness on the principle that Paint

without advice is worth only half

the price. Since then, Als son

Bob and grandchildren Jamie

and Jeff have continued to grow

the business, developing a repu-

tation for quality products, fairprices and a knowledgeable staff.

Seelas proudly sells paint

from Benjamin Moore, an

award-winning New Jersey-based

paint company, popular for its

high-end quality and sustainable

product lines. The store also sells

window fashions from Hunter

Douglas, the industrys leading

manufacturer of custom window

fashions.

But even as business andproduct offerings expand, the

Seela family always makes it a

priority to provide personal

attention and professional

advice to its customers. The

friendly store team is expertly

skilled at helping you pick just

the right color to make your

home have that personal touch.

Our staff strives to make

sure that our customers find the

right color and the right prod-ucts to complete their projects,

even beyond their own expecta-

tions, said owner Bob Seela.

They are so committed to

helping homeowners put the fin-

ishing touches on their projects

that they even have their own

window treatment specialist.

Pam offers in-home con-

sultations. She has a great eye for

getting your windows just right,

Seela said.In addition to paint, the

store has a full selection of wall-

paper books for you to browse

and find the exact patterns, tex-

Seelas Paint helps

homeowners every

step of the way

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

September 17, 2014

Zone 2, Vol. 12, No. 18

We are a Family, Friendly Publication

continued on page 19

Happy

8/11/2019 221657_1410508399Sept 17 2014 Z2 LR

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

[email protected].

SEPT 20

The Montville United Methodist Church29 Whitehall Rd (Route 202) Towaco, NJ

will be holding a gently used clothing and

household goods sale on Saturday,September 20, 2014 from 8:30-12:30.We have a large selection of clothing sizes

and household items to choose from. The

proceeds from this sale go to help localfamilies in need. For further informationand directions call 973-334-3924.

SEPT 21

Huge garage sale! To benefit theMontville Animal Shelter sponsored byMontville Pet Parents 86 River Rd,

Montville (the old shelter, behind the Bd.

of Education). Sale is on SaturdaySeptember 20 from 9am-4pm and

Sunday September 21 from 9am-4pm.Household items, kids stuff, furniture,knicknacks, pet items and more! Formore info: [email protected] call 973-727-9959.

SEPT 24

Chess Club on Wednesday, September

24 from 4:30-5:30pm. Make new friends

over a game of chess at the Lincoln ParkLibrary! Light instruction will be provid-ed, but kids should have a basic under-standing of the game to attend. Grades2+. Please register for this program bycalling 973-694-8283 or [email protected].

SEPT 25

Afternoon Book Club at The Lincoln ParkLibrary will be meeting on Thursday,September 25 at 1pm. Please contact

Rachel Burt with any questions, at 973-694-8283 or rachel.burt@lincolnparkli-

brary.org.

SEPT 26

The Lincoln Park Library will be screen-ing Muppets Most Wanted (PG, 107 min)on Friday, September 26 from 4:30-6:15pm.For all ages. Bring a friend and

visit our website at www.lifeandleisurenj.com September 17, 2014Page 2, Zone 2

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

Lincoln Park, NJ 07035 i 973.696.8008

Publisher: Joe Pellegrino i Editor: Bethanne Pellegrino i Administrative Assistant: Denise Wirsing i Art Director: Robin Banta

Sales: Lisa Buniewski, Larry Johnson, 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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Nobody wants to pay

premiums for a bene-

fit they will never

realize. Nobody enjoys speak-

ing to a life insurance agent.

Nobody wants to talk about

their own demise. Nobody

wants to plan for their owndeath. Woody Allen, the

famous movie actor, producer,

director says that he isnt

afraid of death; he just doesnt

want to be there when it hap-

pens. In one of his older

movies, there is a torture

scene where he places the vic-

tim in an underground bomb

shelter and the audience

watches as a life insurance

salesman, briefcase in hand,walks down into the pit to

conduct a tortuous presenta-

tion about life insurance.

The Gallop organization

once conducted a poll asking

people which occupation

would you wish your daugh-

ters intended husband to be a

member of. The number one

answer was Clergy; at the

bottom of the list was, Used

Car Salesman. But, rightabove the bottom of the barrel

was, Life Insurance Agent.

FYI Doctor was listed as

number 2, but, after the

advent of Obamacare, the poll

if conducted today, Im confi-

dent that Doctor would fall

heavily in the rankings and

Life Insurance Agent would

rise close to the top! Let me

explain

Lets be honest with our-selves, who wouldnt be

enthusiastic when scanning

the obituaries to see that

when a certain person on the

list, named you as one of their

beneficiaries! In the Ameri-

can lexicon is a phrase, who

died and left you a fortune? It

was Ben Franklin who said

that nothing in life is certain

except for death and taxes. Of

course, when he said thosewords he was unaware that

this great nation would

impose a tax at death, first ini-

tiated as a temporary measure

to help pay for the War of

1812, later re-imposed to pay

for WWI and then left perma-

nently in place to this day,

though modified from time totime.

The Presbyterian Min-

isters, in colonial times, decid-

ed that it was too expensive

for the church to

care for their fami-

lies when they died

so they instituted a

program of making

payments into a

kettle from their

pay each period tofund a death bene-

fit for that purpose.

The older the min-

ister, the higher

the contribution as

they were closer to

the end of their

life, hence, annual

renewable term

life insurance was

born. Years later, a

German fellowrealized that there

was much more

money in the ket-

tle than was actually needed

to pay all of the death bene-

fits, so he redesigned the pro-

gram to allow the insureds to

borrow, with interest paid

back to the kettle (and kettle

management), an advance

against their eventual death

benefit. If the insured diedbefore the loan was paid back,

it was deducted from the pay-

out. The idea was so success-

ful that the company decided

to allow others in to their

Society of insureds with a

name change to the Widows

and Orphans Friendly

Society in Newark, NJ,

which later in 1877, became

the company we know today

as Prudential.Other companies and

societies followed suit, some

fraternal, some mutual and

others as stock companies

designed to make a profit for

their members, policy holders,

or stockholders as the case

may be, leading to the wealth-

iest industry in the UnitedStates and the entire world.

Along the way, these

powerhouse companies have

been financially protecting

families and businesses for

centuries now, yet, and Im

still embarrassed to say this,

life insurance continues to be

the most bought yet least

understood product in our

nation, bar none! Further, no

other product has evolved to

offer so much more opportuni-ty and improvement from its

inception and original design

than life insurance. Not even

the computer or telephone

can match the advancements

in scope, benefits and design

enhancements that life insur-

ance has enjoyed. In other

simplified words, life insur-

ance isnt just for dying any-

more! Today, in addition to

what you already know aboutlife insurance it can also: pay

for college for your kids and

pay for your own retirement

income needs, at the same

time - tax-free! It can pay for

long-term care, at a nursing

home or in your own home. It

can pay you if you have cancer

or a heart attack and do notdie! It can pay for itself if you

cannot make the payments

because of a disability.

The cash values rate of

return today, can be based on

the positive movement of a

stock market index of your

choice including the: S+P 500

or DJIA, Europes Eurostoxx,

the Chinese Hang Seng, the

Japanese Nikkei or a fixed

guaranteed interest rate if

more appropriate when inter-est rates are higher than today.

The policy owner can change

the strategy annually. No

more substandard returns! In

fact, life insurance policies of

current design must be viewed

as an investment class in addi-

tion to death benefit protec-

tion. Not to do so could prove

detrimental to your financial

health!

However, in all of thehoopla stated above, there is

a barrier of entry into the

world of life insurance and

that my friends is called

underwriting. Alas, there is a

gatekeeper and this colum-

nist, a diabetic, who four

years ago suffered a quintuple

bypass, doesnt possess thecombination to their lock.

What I am stressing is your

insurability must be counted

amongst your greatest assets!

To ignore your

insurability might

prove to be a

grave mistake. To

prevent this

tragedy in my

family, Ive locked

in my young chil-drens insurability

by securing poli-

cies for them

before their 9th

birthdays! Thats

right and the best

part is that all pre-

miums were fin-

ished being paid

in only five years!

Under current

assumptions, theywill enjoy millions

of dollars in tax-

free income

throughout their retirement

years and still pass on mil-

lions more to my yet unborn

grandchildren.

Yes, September is Life

Insurance Awareness Month

and Im sure your personal

life insurance awareness

needs improvement. If notfor you, for your children and

theirs. I cannot stress enough

the importance of getting a

new fresh look at this indus-

try and your current policies

to see what may be done to

improve your insurance

financial picture regardless of

your age. Let me add that

though I myself am uninsur-

able, I still enjoy the tax

advantaged accumulationbenefits with tax-free access

to the cash values of life

insurance on older policies

purchased before my heart

surgery and newer policiespurchased after my surgery

even though Im uninsurable.

Its important to learn

the secrets of how to:

Maximize your income today

while preserving, protecting

and perpetuating your wealth

for tomorrow. To that end I

pledge my support; all you

need is to ask me for a no

obligation no cost appoint-

ment to see how life insur-ance and the entire financial,

retirement and estate plan-

ning process can best benefit

your personal situation. Call

today and Ill explain how I

picked the underwriters

lock!

Mark E. Charnet is President

and Founder of American Pros-

perity Group. APG is the Pre-

mier Retirement and EstatePlanning Franchise in the Unit-

ed States with 21 offices in 10

states. Mr. Charnet is a Certi-

fied Annuity Specialist with 33

years of experience in the Retire-

ment and Estate Planning fields.

Creator of the Trinity Method of

Investing, Mark encourages

your inquiries and can be

reached at: 877-885-1APG or

973-831-4424 or via email,

[email protected] out our website:

www.1APG.com Interested in

a new career? Check out:

www.APGFranchise.com Secu-

rities through: United Planners

Financial Services, A Limited

Partnership, Member SIPC,

FINRA and a Registered Invest-

ment Advisor. APG is conve-

niently located at 901 Rt. 23

South 2nd floor Pompton

Plains, NJ (above theLakeland Bank).

September is National Life Insurance Awareness Month Does this mean anything to you?By Mark Charnet

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Dr. Peter Brusco, D.M.D.

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Aspecial Promotion

Night was recently

held for black belt

graduates of Portas Karate

and Kobudo Academy of

Pompton Lakes and Wayne.

Along with advanced black

belt degree awards, several

students were also presented

with their first black belts.

With members of their fami-

lies, friends and local digni-

taries in attendance, each stu-

dent received a new black

belt and a certificate of rank

from Okinawa, Japan official-

ly registering their promo-

tion with the Okinawan

Shobukan Karate-Do Assoc-

iation and the All Okinawan

Portas Karate students receive

black belt degrees

MOVINUP! Portas Karate and KobudoAcademy students awarded Black Beltdegrees in OkinawanShobukan Karate-Do. Pictured leftto right front row areAlex Leshinsky, Steve Vogt and P.J. Genberg. Back

row are Paul Markoweic, Stephen Leavy, Sensei John Porta, Dennis Horvath andMichael Benetatos.



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Alack of basic inter-

nal controls can

leave your company

vulnerable to pilferage,

embezzlement, and other

types of misappropriation.

Small firms generally

cant afford to hire internal

auditors or set up separate

divisions to break up duties.

But even smaller companies

can establish controls in cer-

tain high-risk areas, such as

the following:

Cash disbursements. If

at all possible, the

owner/manager should sign

checks. This control has a

dual purpose: management

sees how the company is

spending its money, and the

cash disbursement function

is kept separate from book-

keeping or accounting. If the

same person signs checks and

enters disbursement transac-

tions in the accounting

records, embezzlement is

harder to prevent. Requiring

two signatures on checks

above a certain amount also

provides greater control.

Customer collections.

Consider having the

owner/manager open the

mail, especially if customer

collections are a regular part

of your business.

Alternatively, you might ask

someone separate from the

Your small business should establish internal controls


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accounting function to open

the mail and prepare the

deposit slip. Of course, the

practice of making daily

deposits is also a good con-

trol.

Personnel practices. By

taking care to perform back-

ground checks before hiring

key employees, especially

those who will be handling

cash or other high-risk assets,

you can prevent problems

later on. Of course, financial

pressures, addictions, and

other factors can corrupt

even good employees.

Perhaps a small busi-

nesss greatest control is the

tone at the top. If manage-

ment sets a high standard,

employees generally follow.

However, if a manager is per-

ceived as lax for example,

he or she doesnt respond

quickly when evidence of

misappropriation surfaces

employees might conclude

that theft isnt such a big

deal.


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continued from previous page


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Pet owners go to great

lengths to treat their pets

like members of the fam-

ily. The days of dog houses in

the backyard are largely a thing

of the past, and many pet own-

ers are more careful about what

they feed their four-legged

friends, placing a greater

emphasis on a nutritious diet

that promotes pet health.

Being a proactive pet

owner also means taking pre-

ventive measures to protect

your pets. This includes learn-

ing about rabies, which can

also help protect members of

your household and your com-

munity. Pet owners who learn

about rabies, including its

causes and symptoms, are bet-

ter equipped to recognize a

rabid animal, and will know to

keep their pets and their chil-

dren indoors until its safe to

go outside.

Rabies is an infectious dis-

ease that can spread from ani-

mals to humans. When an ani-

mal has rabies, the virus travels

through the nerves inside the

brain, where it reproduces and

then travels back through the

nerves to most parts of the

body, including the salivary

glands. When the rabies virus

reaches the salivary glands,

brain damage has likely

occurred and the virus has

infected the saliva, where it can

enter a persons body through a

bite or broken skin.

Humans who contracted

the rabies virus in the past did

so after being bitten by a dog.

However, the Centers for

Disease Control and Preven-

tion note that more and more

causes of human rabies have

been linked to bats and rac-

coons. The Canadian Centre

for Occupational Health and

Safety notes that among

domestic animals, dogs account

for between two and six per-

cent of rabies infections, while

cats are responsible for between

one and two-and-a-half per-

cent of rabies cases. Thanks in

large part to the rabies vaccina-

tion, there have not been any

reports of rabies caused by dog

bites in the U.S. in years.

Rabies can appear in ani-

mals in various ways. When an

animal has furious rabies, it will

change behavior, grow restless,

wander aimlessly and bite any

animals, people or objects that

get in its way before eventually

becoming paralyzed in its

throat and hind legs. Once that

occurs, the animal will most

likely die.

Some animals with rabies,

however, will not become vio-

lent. These animals will change

their behavior, which may

become withdrawn or more

affectionate. Animals may try

to hide and will find it difficult

to swallow. Their behavior will

not become violent, and they

are likely to die after a few days.

The CCOHS notes that cats

infected with the rabies virus

typically become extremely

vicious, while dogs also become

excitable and may become

vicious and bite for no reason.

Though rare, human

beings can be infected with the

rabies virus. Drooling, convul-

sions, exaggerated sensations or

pain at the bite site, loss of feel-

ing in an area of the body, loss

of muscle function and difficul-

ty swallowing are a few of the

symptoms humans may exhibit

when infected with the rabies

virus.

Should humans or their

pets be bitten by an animal,

they should try to gather as

much information as

possible about the biter

and contact animal

control so the animal

can be safely captured

to determine if it has rabies. If

there is a risk of rabies, humans

will be given a series of doses of

a preventive vaccine and a

treatment called human rabies

immunoglobulin, or HRIG,

which is administered the day

the bite occurred. Vets will

often quarantine a bitten pet

that has received the rabies

vaccine prior just to monitor

behavior and be safe.

If you are bitten by an

animal, report the incident

right away and contact your

physician immediately. Its

also good to do so if you

havent been bitten but were

exposed to a bat, fox or skunk,

all of which can carry the

rabies virus.

Incidences of rabies have

dropped dramatically in

recent years, but pet owners

should still take a proactive

and preventive approach to

protect themselves, their

loved ones and their pets.

Dr. Matthew Krupnick is the

owner of the Pequannock Ani-

mal Hospital. He grew up in

Kinnelon and is happy to be

home with his wife, three cats,

and two dogs to provide quali-

ty and compassionate care for

pets in the community. The Pe-

quannock Animal Hospital is lo-

cated at 591 Newark Pompton

Turnpike in Pompton Plains.

You can reach the hospital by

calling 973-616-0400.

Brought to you by Dr. Matthew Krupnick,

the owner of Pequannock Animal Hospital

Recognizing rabies in animals


Dr. Matthew Krupnick, D.V.M.

591 Newark Pompton Tpke.(near Friendly's)

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Karate-Do Association,

which are the founding and

governing organizations.

Presentations were made

by Sensei John Porta, founder

and chief instructor of Portas

Karate and Kobudo Academy

and the senior United States

representative of the

Okinawan Shobukan Karate-

Do Association. The gradu-

ates upon receiving their new

black belts degrees were given

an invitation to participate

and demonstrate with Sensei

Porta and other academy

black belt members at the

future World Karate Festival

that will be held in Okinawa.

Portas Karate &

Kobudo Academy chief

instructor is Sensei John

Porta, 9th degree black belt,

master instructor. For addi-

tional information call 973-

835-5473 or visit www.por-

taskarate.org-facebook.coml-

portasacademy.

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continued from page 11

Portas Karate students receive black belt degrees


8/11/2019 221657_1410508399Sept 17 2014 Z2 LR

14/24

The cool, crisp days

of autumn will soon

arrive. As fall

foliage creates a colorful

display and kids frolic in

leaf piles on the lawn, you

may want to pay some mind

to a few lesser known facts

about this beloved time of

year. Autumn may call to

mind Halloween and the

return of school, but there

are other factors that make

this season unique.

1. The first day of autumn is

known as the autumnal equi-

nox. On this day, the number

of hours of daylight and dark-

ness are equal. This is because

the sun is aligned with the cen-

ter of the Earth between the

north and south of the planet.

The other equinox occurs in

the spring, which arrives in the

third week of March in the

Northern hemisphere.

2. In Greek mythology, autumn

was a time when Persephone,

the daughter of Demeter, was

abducted by Hades, the god-

king of the underworld. During

this time, Demeter, the goddess

of the harvest, was distraught

and the ground grew sparse and

cold. When Persephone

returned in the springtime,

plants and life bloomed anew

because of Demeters happi-

ness.

3. Those who live closest to the

equator, which is the center of

the planet, never experience

the season of autumn. Around

the equator, the temperature

remains consistently warm.

4. Yellow, orange and varia-

tions thereof always reside in

the pigmentation of tree

leaves, but they are just

overpowered by the abun-

dance of green from the

chlorophyll in the leaves.

Come autumn, however,

when the sun weakens and

days grow shorter, the

amount of chlorophyll in

leaves diminishes, allowing

the other pigments in the

leaves to show through.

5. Red and purple leaves are

actually caused by the presence

of sugars from sap that is

trapped inside of the leaves.

6. Fall is a peak migration time

for many species of birds.

During autumn, birds will fly to

other areas as they seek more

hospitable climates. The Arctic

tern journeys about 11,000

miles each way for its annual

migration. That is like going all

the way across the United

States about three and a half

times

Circa 1994. Forrest

Gump is without a

doubt one of my

favorite movies. I have seen it

a hundred times and yet still

enjoy it. Forrest was a simple

man whose nave nature led

him to make wise observa-

tions. One of my favorite

scenes is when Forrest and

Lieutenant Dan are in the

hospital. In a fit of anger Lt.

Dan, whose legs were both

amputated, pulls Forrest down

on the floor. Forrest had saved

Lt. Dans life when he was

wounded, but Lt. Dan insisted

he was supposed to die on the

battlefield just like the rest of

the men in his family had

done in previous wars.

Because Forrest saved him he

believed that he was robbed of

his destiny. He ends by telling

Forrest, Look at me. I use to

be Lt. Dan Taylor. Upon

hearing this Forrest looks at

Lt. Dan and makes a powerful

statement when he says, You

still are Lt. Dan.

When your identity is

wrapped up in what others tell

you who you are and what

your destiny is to be it is a

dangerous slippery slope. Lt.

Dan had a legacy of battlefield

deaths that he believed he had

to live up to. The reality is

that the words of a simple man

were needed for that legacy to

be re-written.

Think about it

There is the destiny we all

believe we have and then there

is the true destiny we will all

realize. The challenge is that

too often we listen to others

and get wrapped up in their

visions for us so that we lose our

way. There is another road that

we should be traveling but we

cant locate it because someone

else created the map! What

about you? Remember, you are

still Lt. Dan.

Joe Pellegrino is an author,

speaker and consultant for Not

Just An Average Joe, LLC.

Have thoughts of your own?

Send them to joe@notjus-

tanaveragejoe.com. 2014 Not

Just An Average Joe, LLC.

Lieutenant DanPicture this

by Joe Pellegrino


12 fun facts about autumn


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7. Contrary to popular belief,

squirrels who have spent the

entire autumn collecting

acorns and other foods do not

hibernate for the winter.

Rather, they spend the majori-

ty of their time in nests they

built to shelter them from

harsh weather. When squirrels

do come out in winter, they are

usually tunneling under the

snow to find the food they

buried during the fall.

8. Several cultures have

ancient traditions that coincide

with autumn. For example, the

Chinese celebrate the Moon

Festival to give thanks for a

successful summer harvest.

9. Halloween is a large part of

autumn. The concept of wear-

ing masks and costumes hails

from ancient Celtic tradition.

The Celts believed ghosts

roamed on Halloween, and

people wore disguises to hide

from the spirits.

10. Youre bound to see pump-

kins as part of autumn decor.

The pumpkin was first named

by the Greeks. They called this

edible orange item pepon,

which means large melon.

11. Evergreen trees will not

lose their leaves like deciduous

trees. Their leaves, also called

needles, are covered with a

thick wax. This wax protects

the inner components of the

needles, preventing them from

freezing.

12. Autumn also signals anoth-

er colorful spectacle apart from

the tree leaves. The aurora

borealis, also known as the

Northern Lights, tends to be

visible this time of year. This is

because geomagnetic storms

are about twice as likely to

occur during the fall thanks to

cool evening weather.


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After a few months of

blue skies and warm

temperatures, sum-

mer revelers will soon bid

adieu to the sultry days of

this beloved season. Summer

is often a season filled with

vacations and recreation, but

as the warm days dwindle

and work and school com-

mitments begin anew, there

is additional work to be done

in preparation for the

months ahead.

Stock up on pool equip-

ment. Homeowners who

have pools can take advan-

tage of end-of-season sales to

purchase a few more gallons

of pool chlorine or other pool

equipment. Store them after

you have winterized the pool,

and you will be ahead of the

game in terms of supplies for

next year.

Plan your garden har-

vest. If you have a backyard

garden, pick your tomatoes

and other vegetables before

the weather starts to get

chilly. Herbs can be

washed and frozen in zip-

per-top baggies so they

can be used when cook-

ing over the next several

months. Boil tomatoes

for sauce and freeze or jar

them. Begin to clear out

residual stems and plant

debris from the garden.

Clean patios and

furniture. Scrub and hose

down outdoor furniture,

cushions and living areas.

Clean and dry items before

storing them for the winter,

so everything is ready to go

when the warm weather

returns next year.

Purchase spring bulbs.

Buy bulbs for spring-bloom-

ing flowers and map out

where they will be planted

for beautiful flowers next

year. Wait until temperatures

start to dip before planting

the bulbs, otherwise they

may begin to produce shoots

prematurely, zapping the

bulbs of energy.

Check the heating sys-

tem. Although turning on

the heat may be the last

thing youre thinking about,

its a good idea to test it and,

if necessary, have the system

serviced prior to the arrival

of cold weather.

Tend to the deck and

other repairs. Make repairs to

outdoor structures now, and

theyll be more likely to sur-

vive the harsh weather thats

just over the horizon. Apply

stain or sealant to further

protect wood structures in

advance of snow and ice.

Examine the roof and

chimney. Winter is a poor

time to learn you have miss-

ing roof shingles or a leak.

Furthermore, ensure the

chimney and venting to the

outdoors is not obstructed by

abandoned animal nests.

Check your closets. Go

through clothing and remove

any items that are damaged

or no longer fit, donating

them if possible. Clean out

kids closets as well, as pants

that fit perfectly in May will

not necessarily fit come

September.

Stock the shed. Once

the weather has cooled

down, move outdoor flower

pots, hoses and lawn orna-

ments you no longer need

into the shed or garage while

ensuring items needed in fall

and winter, such as rakes,

snow shovels and snow blow-

ers, are more accessible.


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tures and colors youve been

looking for. The staff will

even help you coordinate

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It is not uncommon to

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perfect color, said Seela.

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Registration begins at 10:30am. Tee-Off

is 12:30pm. Shotgun start. 19th Holecocktails will start at 5pm and sit downdinner is at 5:30pm. A Hole in Oneprize of $25,000, longest drive and clos-est to the pin contests. Special raffle: aweek of your choice in Myrtle Beach, S.C.Drawing: October 16, 2014. Cost perplayer is $150.00 including lunch, dinner

and on-course beverages, greens fees,cart and gift bags. For information andreservations please call Holy Spirit Schoolat 973-835-5680 or 973-694-0938.

OCT 25

The First Reformed Church of LincolnPark Fall Harvest Fair is scheduled forOctober 25 from 10am-4pm. Local craftspersons and vendors will be displayingand selling their goods. An old fashionedbake sale with lots of homemade goodieswill be available. If you would like to bea part of the sales floor, space may bereserved to show your handmade crafts

or other goods or services. Contact the

church office at 973-694-4336 or see ourweb page frc-lpnj.org for an applicationand more information. First ReformedChurch is located at 60 Chapel Hill Road inLincoln Park. Hope to see you all there.

NOV 12

Pequannock UNICO will be hosting a bustrip to Mt. Airy Lodge & Casino Resort onWednesday, November 12. Ticket price is$29 per person. For reservations or infor-mation please call Joe Carabello at973-

835-0208 or Joan Deodato at 973-696-3799. Please note: final payment is due

October 12.

Around the

Community...

Pequannock UNICO trip to WoodlochPines Resort from Wednesday, October 22

to Friday, October 24. Reservations forthis unique resort are booked a year inadvance. Due to unexpected circum-stances, we now have 3 double occupan-cy rooms available, for couples or 2friends to share. The cost is $365.00 perperson. If interested, please call JoeCarabello at 973-835-0208 immediatelyto reserve a room.

The Montville United Methodist NurserySchool 29 Whitehall Road in Towaco isexcited to begin its 36th season by spon-

soring a personal care item drive to ben-efit the Montville Kiwanis Food Pantry.We will be collecting much needed itemssuch as bar soap, shampoo, deodorant,toothpaste and toothbrushes. These itemscan be brought to the school any week-day from 7:30 am-5:30pm during themonth of September. The school is com-mitted to helping others in our communi-ty. For further information call the direc-tor, Renee Gilbert at 973-334-3924.Reading with Romeo on Wednesday,

September 17 from 4:30 5:30pm, allages. Lego Club on Thursday, September

18 from 6:00 7:30pm; Grades 2+.There is no registration required for this

program. African Clay Mask MakingWorkshop on Saturday, September 20from 1-2pm. Ages 5+. Please register forthis program by calling 973-694-8283 ore-mailing [email protected]. Wolves Visit Lincoln Park! on

Monday, September 22 from 7-8pm forall ages. Location: PAL Gym. Tickets are

required for entry to this program andcan be obtained at the Lincoln ParkLibrary. Each ticket costs $1 and a portionof the proceeds will be donated toHowling Woods Farm. Tickets will be

exhaust pipe. Check that thearea is free of leaves, debris and

animal nests. Again, any block-

ages can impede the efficiency

of the unit or cause it to fail.

Thermostat

Very often a furnace may

not turn over because the ther-

mostat is faulty. Many a home-

owner has spent money to have

a service person come out to

examine the furnace, only to

learn they only need a new

thermostat or battery in the

thermostat.

Check the thermostat

against a separate thermometer

to ensure that it is reading the

right temperature in the house.

Raise the setting a few degrees

to test if the heat kicks on.

Fuel

Furnaces are powered by

various energy sources.

Electricity, gas or oil may be

involved in the process. If fuel

is not being delivered to the

furnace, the pilot will not light

and warm the air to be blown

through the house. Some sys-tems have an emergency shut-

off switch that will halt fuel

delivery to the unit. Its easy for

these switches to be flipped

accidentally if a furnace is

located in a high-traffic area.

Make sure the switch is in the

on position before reporting a

problem.

In addition to these steps,

you may want to vacuum the

vent screens around the house.

This will reduce the amount of

dust blown around. Also, if the

furnace exhausts into a flue, be

sure that the exhaust route is

clear so that carbon monoxide

does not back up into the

home.

Many homeowners are

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furnaces to ensure they are

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tions, consult with an HVAC

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How to inspect your furnace before

winter arrivescontinued from previous page

Community Happenings




8/11/2019 221657_1410508399Sept 17 2014 Z2 LR

22/24

available at the Library starting on

September 2.The Lincoln Park Library offers help forall things technological! Sign up for aone-on-one session with a Librarian. Wecan offer help with a range of topics,including (but not limited to): MicrosoftWindows, Microsoft Office (Word, Excel,Powerpoint), web site help (Google,

Gmail, eBay, Etsy), and social media(Facebook, Twitter, Instagram, LinkedIn).

We can also help you use your tablets(iPad, Kindle, Samsung Galaxy, etc.)!

Please call 973-694-8283 or [email protected] to setup an appointment. At this time, sessionsare limited to one meeting per month.Whether you are still suffering from thebleak memories of war or have resolvedto put it all behind you, Point ManMinistries is for you. Point Man is aChristian ministry dedicated to helpingveterans find peace with themselves and

the world around them. If you are doing

fine after the war, thats fantastic but

dont forget about your buddies who arestill suffering. Find out how you can help.Call Barry Jensen at 973-809-9665.Point Man Ministries meets the firstThursday of every month from 7:309:30pm at Cornerstone Chapel 620Route 23 North, Pompton Plains.The UONJ (United Ostomates of NorthJersey) is an area-wide support group forostomates (people of any age with

potential, new, mature or reversedostomies or continent diversions). We

meet the second Monday of the month atChilton Medical Center, 97 West Parkway,

Pompton Plains, NJ, in the BoardRoom at 7pm. Contact Jo Ann ValentCWOCN for more information 973-831-5168.The Montville Township Womens Clubhas an ongoing project: comfort pillowsfor breast cancer patients. A team of clubmembers, seniors, and volunteers from

surrounding cities participates in this wor-thy project. Call Chairperson Alexandria

Sarra at 973-405-0088 for more infor-mation. All monetary donations, used topurchase polyfill for the pillows, shouldbe made payable to MTWC and shouldindicate Comfort Pillow in the memo.

Please mail checks to P.O. Box 267,Montville, NJ 07045.Mothers & More is a not-for-profitgroup for both stay-at-home and work-ing moms. It features monthly meetings,

playgroups, mom-and-tot outings, mom-night-outs, and much more. Members

are from Wayne and all surroundingtowns. Monthly meetings are the firstMonday of each month (unless a holi-day) at 7:30pm at Our Savior LutheranChurch, 670 Newark Pompton Turnpike,Pompton Plains. Prospective membersare always welcomed. For more informa-tion call 877-221-1581 or e-mail sbot-

[email protected].

License #: NJ09980558654 2014 CENTURY 21 REAL ESTATE LLC. CENTURY 21 is a trademark licensed to Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each office is independently owned and operated.All information deemed reliable but not guaranteed. Prices subject to change. If your property is currently listed with a real estate broker please disregard this offer.

Call me today for your complimentary Mortgage Pre-approvaland Spring into the home buying process with confidence!!!

Recognized by Mortgage Executive magazine as a "Top 1% Mortgage originator" for 2013

973-200-3262 Direct 973-454-5183 Cell 973-200-3231 Fax [email protected]

Mortgage Payments listed above are based on principal & interest only on a 30yr fixed mortgage and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR based on a 740 credit score as of September 8, 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 terms are 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.

Ryan BarryMortgage Banker

NMLS# 183464

BLOOMINGDALE $245,000$950 PER MONTH

4.125/4.249% APRRANCH

3 BR, 2 BA

JEFFERSON $265,000$1,027 PER MONTH

4.125/4.241% APRRANCH

2 BR, 2 BA, 1 CAR GAR

LITTLE FALLS $289,000$1,121 PER MONTH

4.125/4.233% APRCAPE COD

3 BR, 1.1 BA, 1 CAR GAR

LITTLE FALLS $354,700$1,375 PER MONTH

4.125/4.216% APRSPLIT LEVEL

3 Br, 1.1 BA, 1 CAR GAR

LINCOLN PARK $300,000$1,163 PER MONTH

4.125/4.230% APRTownhouse

2 BR, 2.1 BA

LINCOLN PARK $335,000$1,299 PER MONTH

4.125/4.220% APRTOWNHOUSE


POMPTON PLAINS $339,000$1,314 PER MONTH

4.125/4.220% APRCAPE COD3 Br, 1 BA

POMPTON LAKES $449,900$1,744 PER MONTH

4.125/4.201% APRCOLONIAL

5 BR, 3.1 BA 3 CAR GAR

POMPTON PLAINS $625,000$2,423 PER MONTH

4.125/4.184% APRCOLONIAL

4 BR, 2.1 BA, 2 CAR

RIVERDALE $649,900$2, 520 PER MONTH

4.125/4.183% APRNEW CONSTRUCTION/COLONIAL!


WAYNE $264,900$1,027 PER MONTH

4.125/4.241% APREXPANDED RANCH



4.125/4.197% APRCONDOMINIUM



4.125/4.186% APRSPLIT LEVEL


WEST MILFORD $199,900$775 PER MONTH

4.125/4.274% APRBI-LEVEL


MOUNT OLIVE $749,900$2,908 PER MONTH

4.125/4.177% APRCUSTOM COLONIAL4 BR, 3.1 BA, 3 CAR

PARSIPPANY $419,900$1,628 PER MONTH

4.125/4.205% APRCUSTOM HOME

4 BR, 2.1 BA

PEQUANNOCK $329,900$1,279 PER MONTH

4.125/4.222% APRCAPE COD3 BR, 1 BA

VERNON $179,900$698 PER MONTH

4.125/4.288% APRRANCH


142 Route 23 North, Pompton Plains, NJ 07444 (973) 686-1500 (800) 950-5021

COLLEEN MC MAHON- 2013 NJAR

Circle of Excellence, Gold- 2013 Centrury 21

Centurion Award- Circle of Excellence, Silver- Masters Emerald Producer

- Quality Service Pinnacle Producer(973) 214-5250 cell

TERE EPISALE- PCBOR Quarter

Century Award, 2013- Circle of Excellence

Lifetime Member, 20+Consecutive Years

- Quality Service PinnacleAward, 2013

(201) 960-9084 cell

Listings Agent for the Month of August Sales Agent for the Month of August

Community Happenings



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0051 AUTOMO-

BILES WANTED

WE BUY CARS !

WE BUY TRUCKS !RONNIES INWAYNE

973-616-7900

WE PAY FORJUNK CARS

973-220-0202

0245 FURNITURE

FOR SALEEthan Allen D/R,L/R, Fam. Room

Furniture.Excel. CondCall for Appt

973-628-9660HELP WANTED

0294 RESTAURANT

Ant hony Francos inButler, seeks H/Sstudent (working

papers nec.)to assist with

taking phone orders.Call 973-492-1700

0323 HOMEMAK-

ER/PERS. ASST

Homemaker f/ Fatherw/ special needsson. Fair Lawn.

Call 973-714-1479

SERVICES

0655 CARPET

G&S CarpetCleaning

& Floor ServiceResidential& Commercial973-839-6436

0684 SER.COMM/RESI.CLEAN

Aidas CleaningService

Lincoln Pk, N.J.Home or Office

Experienced, Reliableand Detailed. SpeaksEnglish & PortugueseReference Available

Call 908-764-8966

0685 SERVICES

CLEANING

Mariyas CleaningService

Ukrainian ladies cleanyour home or office to

your completesatisfaction. Exper.

Refs AvailCall 973-557-3621

POLISH GIRL speaksEnglish, experience &with References can

clean your house.Call Anna

201-421-7887

0686 CLEANOUT

SERVICE

All appliances,

unwanted junk, scrapmetal, bldg. materials.Tear down & take

away sheds. Attics &Bsmnt cleaned.

Things yourgarbagemen wontpick up. WE DO!!!

CALL862-200-1283

0725 SERVICES

DRIVEWAYS

0730 SERVICES

ELECTRICAL

0774 SERVICES

HANDYMAN

0785 SER. HOME

IMPROVEMENT

0860 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 doit All. Call Mike973-495-3775

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

NEW & OLD

Construction-Residential& Commercial.

Fully Insured & Bonded

FREE ESTIMATES20%OFF New Customers

CQ ElectricLLC

973-699-0855

DrivewaysParking Areas

New ConstructionAsphalt Work

Sidewalks

973-248-1892call 7 days a week

Owner Operated LicensedFully Insured Free Estimates

CMR SERVICES

973-703-3039Cleanouts &

Dumpster ServicesFully Insured NJ Lic #A901

FREE ESTIMATE

Estates Abandoned PropStorefronts Basements

Whole House Attics

Regain Valuable Storage!We dispose unwanted items in an

environmentally safe way.

10% OFFwith this ad

NORTH JERSEYREMODELERS

973-962-1811

Full Kitchens Bath Specialists

Basements All Interior

Renovations Ceilings to Floors Doors Painting

Windows Counter Tops

Cabinet Refacing General Carpentry

973-632-6411

Maintenance RepairBuilding RemodelingNo Job Too Small or Big!

25 Years Experience

TOM DS HANDYMANSERVICE

Longo Construction

973-838-8693

All Types of Brick, Block,Concrete, Fireplaces,

Foundations etc.

Free Estimate - Fully Insured

Bloomingdale

0774 SERVICES HANDYMAN

TRI-COUNTY

www.mrhandyman.com973-696-9393

Insured & Bonded Member of the BBBNJ Lic. #13VH00608600 NAT-22773-1

Satisfaction Guaranteed!

$25 OFFCannot be combined w/any o ther offer. 1 per household. Exp. 10/15/14.

Get Your

To-Do-List Done!

REMODELS, REPAIRS,MAINTENANCE & MUCH MORE!

!$ #

"# &!"

" #$$# ( %' #%"

)

" "*

0815 SERVICES MASONRY

R.G. Gutters

973-832-4207

$ " # !

Free Estimates &20% OFF

Gutter Cleaning ForAll New Customers!

ARE YOUR GUTTERS FOWL?

0771 SERVICES-GUTTERS

KevinThe PainterA True Professional

Decorative, Faux &

Textural Finishes, Glazing,Sheetrock, Spackle,Repairs & Power Washing

Interior/ExteriorFully Insured

References available20 years Experience

973-979-8043

Quality

Workma

nship

Interior & Exterior Painting Residential Specialists Power Washing Paper Removal & Installation Brush Roll Airless Spray Fully Insured FREE Estimates

Owner Operated

Where Excellence InQuality Is Affordable

973-839-7403

Stephen FoxPlumbing & Heating

Small Repairs,Alter, Drain Svc.

INSURED BONDED

973-839-1054

Lic.#7467

0826 SERVICES PAINT/POWER WASH

0920 SERVICES TREES

0827 SERVICESPAINTING

0804 SERVICES LAWN CARE

0886 SERVICES ROOFING

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Documents

221657_1410508399Sept 17 2014 Z2 LR