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Circa 2011. Jim was a

friend. A lazy friend.

One day Jim, who

worked for me, came by the

office to pay a visit. You see

Jim was a nice guy, just lazy.

(Did I point that out already?)

On this particular visit we

were talking about the state of

my company and I mentioned

how I really needed one more

salesperson. After a few sec-

onds he said, “Why don’t you

hire me?” Once the shock of

what he said wore off I decid-

ed to ask him one simple ques-

tion, “Would you hire you?”

Without hesitation he smiled

and said, NO.

The good news is he

knew himself well, at least

when it came to his work

ethic. The bad news is that

while he knew this truth, he

did nothing to change it.

Think about it…

Do you live in a comfort

zone? One that repels change?

If so let me tell you there is a

brave new world out there.

One that will make us feel

comfortable and move us to

action and ultimately change.

After awhile, the comfort

zone can really stink!

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.

Would you hire you? Picture this...

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

February 11, 2015

Zone 2, Vol. 13, No. 3

We are a Family, Friendly Publication

Great Gift Ideason Page 9

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visit our website at www.lifeandleisurenj.com February 11, 2015Page 2, Zone 2

NOTE: To have your grou p’s

announcement appear in Community

Happenings, please e-mail yourparagraph to calendar@ lifean-

dleisurenj.com.

FEB 11

•Decorate your own cookie with frost-

ing and candy toppings on Wednesday

February 11 from 4:30-5:30pm.

Please register for this program by

calling 973-694-8283 or e-mailing

[email protected].

FEB 12

•Join Chess Club at the Lincoln Park

Library on Thursday, February 12 from4:30-5:30pm. For children in grades 2

and up. Light instruction provided, but

kids should have a basic understanding of

the game. Please register for this program

by calling 973-694-8283 or e-mailing

[email protected].

FEB 16

•Join the Gourmet Café Restaurant

fundraiser dinner on Monday, February

16 for lunch or dinner from11:30am-

2:30pm and 5-8pm held at Gourmet Cafe

136 Baldwin Road, Parsippany. A percent-age of your purchase is donated to the

Montville Township Historical Society

Project to purchase US Veterans Markers

for the local cemeteries and provide

cemetery restoration. Questions call 973-

394-0554. Donations gratefully accepted.

FEB 18

•Rizzo’s Reptiles will be at the Library on

Wednesday, February 18 from 4:30-

5:30pm. Get up close and personal with a

boa, baby alligator, lizards, turtles, and

more! Please register by calling 973-694-8283 or e-mailing rachel.burt@lincol-

nparklibrary.org.

FEB 19

•Lego Club is at the Lincoln Park Library

on Thursday, February 19 from 6-

7:30pm. Come to the library and make a

Lego creation. Pictures of the finished

products will be posted on our web site,

and they will be kept in the Library’s dis-

play case until next month. There is no

registration required for this program.

FEB 20

•The Columbiettes of Bishop Navagh

Council, Pequannock are hosting a Baked

Potato Night on Friday, February 20 from

5:30-7:30pm at the Knights of Columbus

Hall, 84 Lincoln Park Road, Pequannock.

The cost per ticket is $7 for 1 potato and

$10 for 2 potatoes and includes toppings

for the potatoes, salad, coffee, and

dessert. Reservations suggested limited

tickets at the door. Please call Barbara973-835-3636 or Pat 973-696-2225.

FEB 25

•Board Game Day at the Lincoln Park

Library is Wednesday February 25 from

4:30-5:30pm. Stop by and play lots of fun

board games, Monopoly, Sorry, Trouble,

Battleship, Apples to Apples, Connect 4,

and many more! There is no registration

required for this program.

FEB 26

•In celebration of American Heart Month,

registered dietitian, Allison Smith, from

ShopRite of Lincoln Park will present Eat

Smart for a Healthy Heart at the library

on Thursday, February 26 from 7-8pm.

She will talk about the role of nutrition

and exercise for preventing and manag-

ing cardiovascular disease and which

foods to focus on for a healthy heart.

Please register for this program by

calling 973-694-8283 or e-mailing

[email protected].

FEB 27

•Watch the After Hours Movie at the

Lincoln Park Library on Friday February

27 from 4:30-6:15pm. The Library will be

screening “Book of Life” rated PG, 96

minutes. Bring a friend and enjoy some

popcorn and snacks! There is no registra-

tion required for this program.

Around theCommunity...

•The Lincoln Park Library offers help for

all things technological. Sign up for a one-

on-one session. We can offer help with a

range of topics, including, but not limited

to: Microsoft Windows, Microsoft Office,

Word, Excel, PowerPoint, website help

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

Lincoln Park, NJ 07035 i 973.696.8008

Publisher: Joe Pellegrinoi

Editor: Bethanne Pellegrinoi

Administrative Assistant: Denise Wirsingi

Art Director: Robin BantaSales: Lisa Buniewski, Larry Johnson, 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 onlyadvertisements 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. © 2015 Life & Leisure, LLC. Life & Leisure is a trademark of Life & Leisure, LLC.

continued on page 6

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visit our website at www.lifeandleisurenj.comFebruary 11, 2015 Zone 2, Page 3

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These were three head-

lines from three finan-

cial periodicals last

week that came across my

desk. They were written by

respectable writers with very

obvious strong opinions. Can

they all be correct and at the

same time? Invariably, history

has shown us that a good num-

ber of people hesitate to invest

at the bottom of the market,

thinking there is more room

on the downside. They wait

and wait as the market is mov-

ing back up showing sustained

upward momentum beforeleaping in. They wait for the

headline that reads, “Investor

Confidence is Up” before get-

ting off the fence and you

know what, they waited too

long! Then the second head-

line, “The Big Market Crash

of 2015!” headline makes the

front page of the paper and

these people knew that they

should not have gotten back

into the markets at that time.

Though they might lose a

small or a big fortune in the

crash, they feel vindicated in

their decision to wait, just not

long enough; instead of the

proper position of, “I never

should have left the market!”

Let’s talk about headline

number 3. “The End of the

Middle Class in America!” Doyou agree? Are families being

pushed into poverty or step-

ping-up to the wealthy class?

These are the only two possi-

ble directions upon leaving

the middle class. I’ve written

about inflation and the costs

of goods and services, taxa-

tion, both income and proper-

ty taxes in this column for

over seven years now. We

have all been witness to our

net disposable income being

whittled away by increasing

taxes, insurance premiums and

rising energy costs, we have

seen our grocery bill rise with

certainty and have known

people who were forced into

decisions of delaying their

retirement or move to a less

expensive State to live.Savings rates have fallen from

8%, 20 years ago to the cur-

rent rate of less than ½ of 1%.

Remember when a million

dollars was really a million

dollars and one could live like

a “millionaire” off of the inter-

est that sum was able to gener-

ate? Forever!?

We were taught by our

parents and the public school

system to get a good job with

benefits and for that era might

not have been totally bad

advice; however it should

have been accompanied by

the lecture of live below your

means and save and invest at

least 10% of your earnings

outside and in addition to the

company plan. I do believe

the 3rd headline, that themiddle class will be forced into

living with their children and

children living with their par-

ents purely for economic rea-

sons. Why pay two mortgages

and utility bills when only one

is necessary. A better lifestyle

is possible when combining

resources, where parents can

travel knowing that the home-

stead is occupied, protected

and cared for by their chil-

dren; and children can afford

to save and invest more for

their future, which, is not

optional in order to have a

retirement free from working.

Today, there are invest-

ment programs available that

guarantee* a lifetime income

for both husband and wife,then return the original

investment or more, back to

the children at the parents

passing. There are programs

available that may increase

the lifetime income each year

even if the account balance is

simultaneously dropping.

There are programs available,

for the informed that will pass

hundreds of thousands of dol-

lars to your beneficiaries, but,

along the way if needed for

any long-term care claims will

provide the money for that. It

goes without saying that one

must study these programs to

determine which one, or a

combination of them, would

be best for your particular situ-ation.

I hope my column today

has given you pause to reflect

and ponder about your own

retirement portfolio. Would

the crash of 2015, or during

any year, fatally injure your

income? Can you afford to let

that happen? A long-term

care stay, at home or in a

home, has the potential to

severely injure a retirement

portfolio. Of course, one could

purchase a traditional long-

term care policy, but, is that

the best option today? I think

there is a better alternative.

To learn more, please

attend our free no cost nor

obligation workshop series

February 17th, 18th and 19thwith sessions 1-3pm and

repeated at 7-9pm in

our national headquarters:

American Prosperity Group,

901 Rt. 23 South 2nd floor, in

Pompton Plains, NJ. Seating is

limited to ensure the maxi-

mum learning environment;

please check out our website

for more info or call 973-831-

4424 (24/7) to reserve your

seats. Looking forward to

meeting you and shaking your

hand!

Mark E. Charnet, CAS, is

President and Founder of Amer-

ican Prosperity Group. APG is

the Premier Retirement and Es-

tate Planning Franchise in theUnited States with 20 offices in

10 states. Mr. Charnet has

over 33 years of experience in

the Retirement and Estate Plan-

ning fields. Creator of the Trini-

ty Method of Investing©, Mark

encourages your inquiries and

can be reached at: 973-831-

4424 or via email, markchar-

[email protected] Check out our

website: www.1APG.com In-

terested in a career in retirement

and estate planning? Check out

this website: www.APGFran-

chise.com Securities through:

United Planners Financial Serv-

ices, A limited partnership.

Member SIPC, FINRA and a

Registered Investment Advisor.

*Guarantees based on the

claims paying ability of the in-

surance companies selected.

APG is located at: 901 Route23 South, 2nd floor,Pompton

Plains, NJ in the Lakeland Bank

and PediatriCare building.

“Investor Confidence is Up!”; “The Big Market Crash of

2015!”; “The End of the Middle Class in America!” By Mark Charnet

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with Google, Gmail, eBay, Etsy, and social

media Facebook, Twitter, Instagram, and

LinkedIn. We can also help you use your

tablets iPad, Kindle, Samsung Galaxy, etc.

Please call 973-694-8283 or [email protected] to set

up an appointment. Sessions are limited

to one meeting per month.

•Whether you are still suffering from the

bleak memories of war or have resolved

to put it all behind you, Point Man

Ministries is for you. Point Man is a

Christian ministry dedicated to helping

veterans find peace with themselves and

the world around them. If you need help

or want to help others, come and find out

more. Call Barry Jensen at 973-809-9665 Point Man Ministries meets the first

Thursday of every month from 7:30

9:30pm at Cornerstone Chapel 620 Route

23 North, Pompton Plains.

•The UONJ (United Ostomates of North

Jersey) is an area-wide support group for

ostomates (people of any age with poten-

tial, new, mature or reversed ostomies or

continent diversions). We meet the second

Monday of the month at Chilton Medical

Center, 97 West Parkway, Pompton Plains

in the Board Room at 7pm. Contact JoAnn Valent CWOCN for more information

973-831-5168.

•The Montville Township Women’s Club

has an ongoing project: “comfort pillows”

for breast cancer patients. A team volun-

teers from surrounding cities participate in

this project. Call Chairperson Alexandria

Sarra at 973-405-0088 for more infor-

mation. All monetary donations, used to

purchase polyfill for the pillows, should be

made payable to MTWC and should indi-

cate “Comfort Pillow” in the memo.

Please mail checks to P.O. Box 267,

Montville, NJ 07045.

•Mothers & More is a not-for-profit group

for both stay-at-home and working

moms. It features monthly meetings,

playgroups, mom-and-tot outings, mom-

night-outs, and much more. Members are

from Wayne and all surrounding towns.

973-835-0702435 Ringwood Ave • Pompton Lakes

Visit Our Website For Services: www.PomptonDentalArts.com

We Participate with Delta Dental & Aetna PPO only10% Senior Courtesy

Not an actual patient.

K I D S S P E C IA L $6 9 ( Re g. $3 0 0)1 4 Yea rs o f A

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N E W P AT I E N T SP E C I AL $79 (R e g . $39 3)I ncl ude s E x am, X -R ay sand C l e ani n g R ed eem w i t h t hi s ad . N ot t o be c ombi ned w i t h any ot her of f er . E x pi r es 3 / 15 / 15 .

In Office

Membership Plans

Available

Upon Request.

HOURS: Mon. 7-5, Tues. 12-9, Thurs 7-5, Friday by Appointment

Community Happeningscontinued from page 2

continued on page 8

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Using LenSx Laser Technology

Laser Cataract Surgery

Other conditions we treat (partial list)

- Blurred Vision

- Cataracts

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- Glaucoma- Diabetic Retinopathy

- Macular Degeneration

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Treatments (partial list)

- Custom Vue Lasik

- Custom Cataract with Restor

- Multifocal Lens Implants

- Foldable Lens Implants- Selective Laser Trabeculoplasty

- Eyelid Surgery

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Dr. Michael DelGiodice is an author on ocular disease and Vice President of the NJ Chapter of the American Academy of Optometry. His specialties include laser eye surgery post-operative care, dry eye syndrome,

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A SSOCIATED E YE PHYSICIANS, P. A .

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or e-mail sbotbyl1@ yahoo.com.

•Toastmasters provide a supportive envi-

ronment to improve public speaking and

leadership skills. We meet the first Wed.

of each month at Hollywood Restaurant

& Pizzeria, 376 Fairfield Rd, Fairfield

from 7-9pm. Guests are welcomed. For

more info visit www.diningtospeak.com.

•The Montville Senior Citizens Club is

open to all Montville Township residents

aged 55 and older. The club meets every

first and third Friday of the month at the

Montville Senior House, next to the police

station on Rt 202 S. We serve coffee and

cake at noon before the meeting at 1pm.

New members and guests are always

welcomed. For information, call Celia at

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Ask ten people how

they feel about

Valentine’s Day and

it would be plausible, if not

definite, to get ten different

answers. Some suggest it is a

“created holiday” only con-

ceived to make money by

manipulating women and

men in its importance. Others

(read as single people) take a

more bitter stance to the day

and its in-your-face (you can’t

open your eyes without seeing

a heart), overpriced flowers (it

does get ridiculous), chocolate

covered everything (well

everyone loves chocolate cov-

ered on something) approach

that is Valentine’s Day.

Whatever one may

think, in reality the day of

“love” is simply that; one day

out of the year that calls out

everybody and brings his or

her feelings to the forefront.

Whether single or committed,

Valentine’s Day makes you

think about loved ones. Silly

at times with a little too much

focus on the material aspects

of it, February 14th is not

about giving or receiving gifts,

although lately it has evolved

to that. At its core,

Valentine’s Day is about dedi-

cating yourself unconditional-

ly to a loved one for 24 hours.

One may say that people

should always treat each other

this way and it’s true, but

unfortunately unrealistic. Too


Valentine’s Day, A

simple reminder By Ryan Banta

continued on page 11

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10/23

Valentine’s Day is upon

us. This is a day to

celebrate our loved

ones and show them we care.

We also have to take care of

our four-legged loved ones, as

some Valentine’s Day gifts and

ideas may be hazardous to our

pets.

The most obvious warn-

ing is: Don’t let your pets eat

chocolate. Chocolate is one of

the traditional gifts on

Valentine’s Day but can be

very dangerous to pets, even

life threatening. The toxic

compounds in chocolate are

methylxanthines, mainly

theobromine and, less impor-

tantly, caffeine. The amounts

of theobromine and caffeine

vary with the type of choco-

late. For instance, unsweet-

ened (Baker’s) chocolate con-

tains 8 to 10 times the amount

of theobromine as milk

chocolate. This is a very com-

mon toxicity in dogs and seen

less in cats just by nature of

their eating habits.

Clinical signs of choco-

late toxicity usually occur

within six to 12 hours of

ingestion. Theobromine

affects the body as a central

nervous system stimulant,

cardiovascular stimulant,

increases blood pressure and

nausea. Therefore, common

signs of chocolate toxicity are:

vomiting, diarrhea, hyperac-

tivity, tremors, seizures, fast

heart rate and, in severe cases,

death. If your pet ingests

chocolate, contact your vet-

erinarian or poison control

immediately for treatment.

Also, knowing the type and

quantity of chocolate ingested

is helpful.

Another potential haz-

ard for pets on this ‘sweet’ hol-

iday is any ‘sugar-free’ gum or

candy. They commonly con-

tain the sugar substitute xyli-

tol. Signs of xylitol toxicity

can be seen as quickly as 30

minutes and causes a sudden

drop in the body’s blood sugar

(hypoglycemia). This may

result in weakness, depression,

loss of coordination, seizures,

coma and even liver failure.

Treatment should be initiated

immediately if ingestion

occurs.

Some holiday flowers,

though they are romantic, can

be toxic for your pet. The

biggest culprits are lilies. They

are highly toxic to cats, so

make sure your cats can’t get

near them, or choose a differ-

ent variety of flower but not

tulips (the bulbs are the most

toxic). Amaryllis, daisies,

chrysanthemums or any flow-

ers with thorns may be poten-

tially dangerous flowers.

Leftover gift-wrapping or

decorations are enticing for

curious cats. Make sure all rib-

bons, bows and other wrap-

ping are out of your pets’

reach and cleaned up. Cats

especially like chewing on

strings or ribbons which can

cause choking or worse, an

obstruction in the intestines

A safe Valentine’s Day for your pet


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Animal Hospital

continued on next page

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many times we get caught in

the daily web of work, respon-

sibilities, and other frivolous

tasks that seem important onany given day. Valentine’s

Day makes people check

themselves and reminds them

of what is essential; why they

work hard every day and

night, and that is for the peo-

ple we love.

If it were up to most of us

we would be on a beach some-

where not stressing about

tomorrow and loving today,

instead we work hard hour to

hour losing countless nights

of sleep, and we do it for the

people we love. I do not see

anything wrong with a day

that reminds us of that.

Happy Valentine’s Day,

make the best out of it.

Love ya!


that could require emergency

surgery.

Candles are also a nice

touch on Valentine’s Day but

not to paws and fur. Don’tleave candles unattended, as

pets can easily be burned or

the candles could be knocked

over, causing a fire.

One last warning is not

to give pets as gifts. Puppies

and kittens are very cute and

cuddly but owning a pet is a

big undertaking. Purchasing a

pet should be done in a

responsible way and only after

a lot of research. If you’reready, you should consider

adopting a pet from your local

shelter. These steps can be

done together and are roman-

tic and rewarding.

Have a sweet and safe

Valentine’s Day!

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 quality

and compassionate care for your

pets in the community. The Pe-

quannock Animal Hospital is lo-

cated at 591 Newark Pompton

Turnpike in Pompton Plains.

You may reach them by calling

(973) 616-0400.

A safe Valentine’s Day for your pet

continued from previous page

Valentine’s Day, Asimple remindercontinued from page 9

A recent UCLA study headline states:“Baby Boomers Face More Health Problems Than Their Parents”

8/9/2019 221657_1423237706Feb 11 2015 Z2 LR.pdf

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Dietary and Lifestyle Changes Without Proper Hydration,Many Unhealthy Changes Occur in Our Cells

One solution can be as simple as drinking more water. But

what kind of water should we be drinking?

TAP WATERTap water is a healthier option than soft drinks and other bever-ages, but according to the Environmental Working Group, there

have been 315 pollutants found in America's tap water since2004, and over half of these pollutants are completely unregu-lated and can legally exist in any amount.

At the current levels of contamination, the public is starting to

question the quality of tap water and wonders if it is safe enoughto drink.

BOTTLED WATER

Bottled water is not necessarily healthier than tap water and yetit costs much more! Bottled water costs more per gallon thangasoline! Although, through marketing tactics, it is associatedwith healthy water, bottled water is not guaranteed to be anyhealthier than tap water. In fact, there are many carcinogenic

chemicals that go into the making of plastic water bottles thatcan leach into the water. Why do you think they constantly tellus not to store bottled water in our cars? Because the plasticheats up, releasing chemicals into the water. Bottled water hasalready been heated many times in the 4 to 6 months it takes

to reach market.

A four-year study by the Natural Resources Defense Councilshows that 1/3 of the bottled water tested contains levels of con-

tamination which exceed allowable limits. Bottled water can alsobe slightly acidic, which may affect your body's pH balance. Fi-nally, the environmental impact caused by the production anddisposal of plastic bottles is harmful to our ecosystem.

REVERSE OSMOSIS AND DISTILLED WATERReverse Osmosis and Distilling are filtering processes, whichmay be effective in areas that do not receive municipallytreated water and are commonly used in bottled water facili-

ties. Both reverse osmosis and distilling removes healthy, nat-urally occurring minerals in our water. These minerals not onlyprovide good taste, they also serve a vital function in thehealthy balance of our bodies. When stripped of these miner-als, this water becomes unnatural and an aggressive ab-

sorber. This can be quite unhealthy. Also, 2 - 3 gallons of water are wasted for every gallon of purified water produced; again,a very negative impact on our environment and ecosystem.

THE SOLUTIONOne of the best ways to clean and remove toxins from your body is by drinking the right water so the body can heal itself. Everything in the body happens in water. Nutrients, Miner-

als, Hormones and Insulin follow water into the cells.

Find out why tap water, bottled water, reverse osmosis anddistilled water are not the answer and could be actuallycausing more health problems.

We have researched the best water to drink for detoxifyingyour body of these harmful pollutants, as well as removepesticides (toxins) from your fruits and vegetables.

ANTI-OXIDANT, ALKALINE, RESTRUCTUREDIONIZED WATERThis technology comes from Japan and has been used inJapanese homes for decades. It is now available in the USA.

This water brilliantly addresses the Three Stresses that arecausing us to feel and look older, slowing us down, andcausing more aches and pains: Oxidative Stress, AcidicStress and Dehydration Stress.

y

Why are so many people getting acid reflux, diabetes, high blood pressure and highcholesterol? This destructive environment that we are creating in our bodies of

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D e h y d r a t i o n S t r e s s

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Although Valentine’s

Day may be geared

toward adults, chil-

dren are quite drawn to the cel-

ebration as well. Perhaps it’s

the promise of candy or choco-

late that gets their attention,

but Valentine’s Day annually

appeals to the younger set.

Some couples opt to leave

children in the capable

hands of a babysitter come

Valentine’s Day and

enjoy the evening solo.

But for those who want

to include youngsters in

their fun, they canexplore the many

enjoyable and clever

crafts and other activi-

ties available.

LEARNING GAMES

Valentine’s Day can

be turned into a learn-

ing opportunity for chil-

dren. One idea is to cre-

ate an “Attracting Love” game

that illustrates the power of

magnets and the laws of attrac-

tion. Fill an empty glass jar

with various items made into

heart shapes. These can

include small pieces of pipe

cleaner, paper clips, paper, and

even aluminum foil hearts. Put

the top on the jar and shake up

the contents. Let children

guess which items will be

attracted to a magnet, then

have them test their theory

with a strong magnet rubbed

on the outside of the jar. See

which hearts are attracted tothe magnet.

Other learning games can

include matching or finding

the differences between pic-

tures, counting paper hearts or

making recipes of scented mod-

eling dough.

DESSERT FUN

Invite youngsters into the

kitchen to try their hands at

different recipes, making sure

that they have a chance to

sample their handiwork after-

ward.

Faux chocolate truffles

made with chocolate sandwich

cookies can be a tasty treat for

little hands. Start by mashing

up some Oreo® cookies, then

add them to a bowl with one

8-ounce package of cream

cheese. Mix until everything is

incorporated into a sticky bat-

ter. Truffles can be made into

balls or heart shapes. For chil-

dren celebratingValentine’sDay and winter fun, turn the truf-

fles into edible snowmen. Dip

the truffles into melted choco-

late or colored candy melts to

coat. Place on a wax paper-cov-

ered cookie sheet and refriger-

ate for an hour, or until the

truffles are firm.

CRAFTS

Children can have fun

cutting out cupids, making col-

oring pages or doing just about

any other Valentine-inspired

craft, like making their own

cards.

Another craft idea is to

write secret love notes with

invisible ink. Lemon juice can

be used as invisible ink.

Have children write a message

by dipping a cotton swab or

their finger in lemon juice and

then writing words on a white

piece of paper. Once the papers

have dried, an adult can reveal

the message by placing thepaper in front of a heat source,

such as an iron or a light bulb.

The message will magically

appear and reveal those secret

sentiments.

Children can get crafty by

making gifts for the special

people in their lives. Combine

the concept of valentines with

the ambiance of a candle. For

an even safer alternative, opt

for an LED-flame candle

instead of traditional candles.

Kids can glue foam con-

versation hearts, sold at many

craft stores, to the outside of

the candle. Wrap the middle of

the candle with ribbon, and

they’ve just created an easy,

heartfelt gift.

KIDS’ DINNER

Encourage the next gen-

eration of chefs to create culi-

nary masterpieces, which they

can then serve to family mem-

bers or friends. Children caneven prepare dinner as a token

of appreciation to their parents.

Plan recipes with kids in

advance, but look for age-

appropriate menu ideas, partic-

ularly those that will not

require much use of the stove-

top or other dangerous kitchen

appliances. Kids can always do

the prep work and then ask an

adult to put the food into the

oven for cooking.

One easy idea is to create

heart-shaped hamburger sliders

and Valentine-colored mashed

potatoes. Use red potatoes with

the skin on to create the pota-

to mash. The sliders can be

shaped by hand or using a

heart-shaped cookie cutter.

Valentine’s Day for the kids visit our website at www.lifeandleisurenj.com February 11, 2015Page 14, Zone 2

Physical Therapy - Speech Therapy

Occupational Therapy

Sensory Integration

Has your childbeen diagnosed

with...Cerebral Palsy

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Metabolic Disorder

Traumatic Brain Injury

We can help, give us a call

973.616.830018 Newark Pompton Tpk

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A

s a parent, you

expect to file a fed-

eral income taxreturn every year. But do you

check to see if your children

need to file a return of their

own? The filing requirements

for children vary depending

not only on the amount of

income they have, but also on

whether their income comes

from working, investing, or

both.

If your child had wage

income only during 2014, atax return is required if wages

exceeded $6,200. If the child

earned less than $6,200 but

employers withheld taxes, a

tax return must be filed if a

refund is to be claimed.

If your child had net self-

employment earnings of $400

or more in 2014, a return is

required and a self-employ-

ment tax is due. Income tax

could be due if earningsexceeded $6,200.

If a child had investment

income only during 2014

(such as dividends and inter-

est), reporting is required if

the total exceeded $1,000.

If your child has both

earned and unearned invest-

ment income, a return is

required if the total was more

than the larger of $1,000 or

earnings plus $350 (up to$6,200).

If your child’s investment

income for 2014 exceeded

$2,000 and your child is under

age 19 (age 24 if the child is

a full-time student), the

amount over $2,000 will be

taxed at your top rate. You

may elect to include your

child’s unearned income on

your tax return in certain cir-

cumstances, rather than filinga separate return for the child.

Be aware that a working

child can make contributions

to an individual retirement

account, either a regular IRA

or a Roth IRA. A contribu-

tion to a regular IRA will be

tax-deductible, reducing the

tax if your child owes any. A

contribution to a Roth IRA

won’t be deductible so it

won’t lower a child’s tax bill,but the offsetting benefit of

tax-free withdrawals later on

may still make it a wiser

choice. Contributions to 2014

IRAs may be made any time

up to April 15, 2015, the fil-

ing deadline for 2014 tax

returns.

For assistance with your

tax filing or those of your chil-

dren, call our office.

Robert P. Sokoloff and Associ-

ates, PC, is a year round full

service CPA firm providing a

wide range of Accounting and

Tax services to both Small Busi-

ness and Individual Clients. We

are QuickBooks Certified Pro Advisors and provide new busi-

ness set up, training and sup-

port. Our office is located at

166 Main St. Lincoln Park, NJ

07035. Our website is

www.cpanewjersey.com and

email is [email protected].

To contact us by phone please

call 973-633-1001.

Do your children need to file a

2014 tax return?


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doors in natural sunlight. The modern incarnation of DST was proposed by New

Zealand entomologist and astronomer George Vernon Hudson in 1895. Hudsonenjoyed collecting insects and knew that it would be easier to do so if there were

more hours of daylight in the evening. That prompted him to present a paper to the

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cite the positive impact that DST has on energy consumption, but research study-

ing the impact of DST on heating and coolingusage patterns has produced mixed

results.

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Valentine’s Day is syn-onymous with many

things, including

chocolate. Men and women

indulge their love of chocolate

every February 14, but those

who want to go the extra mile

for their sweethearts this

Valentine’s Day can make

their own delicacies. Home-

made confections send a spe-

cial message to loved ones on

Valentine’s Day, especiallywhen they include chocolate,

such as the following recipe

for “Crochette di Ricotta con

Salsa di Cioccolato (Ricotta

Beignets With Chocolate

Dipping Sauce)” from

Michael White and Joanna

Pruess’ “Fiamma: The Essence

of Contemporary Italian

Cooking” (Wiley).

Crochette di Ricotta con

Salsa di Cioccolato

(Ricotta Beignets With

Chocolate Dipping Sauce)

Makes 6 to 8 servings

1 cup whole milk ricotta cheese

2 large eggs

1/4 cup sugar

1/4 cup all-purpose flour

3/4 teaspoon baking powder

1/2 cup finely crushed amaretticookies (about 16 cookies)

1 cup chopped bittersweet

chocolate

1 cup heavy cream

Vegetable oil, for deep-fat frying

Confectioners’ sugar, for gar-

nish

In a medium-size bowl,

whisk the ricotta and eggs

together until smooth. Addthe sugar, flour, baking pow-

der, and amaretti and stir until

well blended. Cover and chill

for at least 1 hour.

While the batter is chill-

ing, put the chocolate in a

small bowl. In a small

saucepan, bring the heavy

cream to a boil over medium-

high heat, about 2 minutes.

Remove the pan from the heat

and pour the hot cream over

the chopped chocolate, stir-ring until blended and

smooth. Keep warm.

Fill a medium-size pot

with at least 3 inches oil and

heat until the oil measures

about 360 F on a candy or

instant-read thermometer.

Carefully drop the crochette

batter by the heaping table-

spoon into the hot oil and

cook, turning once, until

brown on all sides, about 3minutes. Using a slotted

spoon, remove them from the

oil and drain on paper towels.

Dust with confectioners’ sugar

and serve immediately with

chocolate sauce. If desired,

serve with warm caramel and

berry sauces as well.

A delicious delicacy to delight your valentine


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Valentine's Day is a popular

time of the year to send

greeting cards. According

to the Greeting Card

Association, around 145

million Valentine's Day

cards are exchanged

annually. While that is an

impressive number, Valentine's Day actually

comes in second as the most popular card-giving occasion.

Christmas tops the list with some 1.6 billion cards purchased,

including boxed card varieties. Other popular occasions to send

greeting cards include Mother's Day, Father's Day, graduation,

Easter, Halloween, Thanksgiving, and St. Patrick's Day.

Did you know?

8/9/2019 221657_1423237706Feb 11 2015 Z2 LR.pdf

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License #: NJ09980558654 ©2015 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.

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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] 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 January 21, 2015. 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 withou t notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ, NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35 286 Equal Housing Len der.

Ryan BarryMortgage Banker

NMLS# 183464

CALL

TODAY 973-686-1500

142 Route 23 NorthPompton Plains, NJ 07444

AWARD-WINNING CENTURION® OFFICESMARTER. BOLDER. FASTER.

C R E S T R E A L E STATE

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Danielle FiorinaGold Level

Colleen McMahon

Silver LevelAnnmarie DeGeorge

Silver LevelMarie Episale

Silver LevelTere Episale

Bronze LevelLivia Deak

Bronze LevelKyung (Joni) Kim

Bronze LevelCatherine Lawton

Bronze LevelSuzanne Parisi

Bronze LevelRegina Petry

Bronze LevelNicole Ruggiero

CENTURY 21 Crest

Real Estate

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CENTURY 21 Crest

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CENTURY 21 CrestReal Estate

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WYCKOFF- 740 Highview Dr. $1,575,000 WYCKOFF- 60 Ravine Ave. $1,475,000 WYCKOFF - 36 Van Schaik Ln. $1,235,000 FRANKLIN LAKES- 308 Wichita Trl. $1,210,000 KINNELON- 5 Felkay Ct. $1,150,000 KINNELON- 8 Quail Ct. $936,000 FRANKLIN LAKES - 248 Gregory Rd. $860,000 PEQUANNOCK- 36 Ackerson Ave. $770,000

BUTLER- 1 Van Buren St. $727,000 KINNELON - 12 Quail Ct. $653,000 CLIFTON- 81 Robin Hood Rd. $650,000 KINNELON- 2 Hilltop Rd. $635,000 POMPTON PLAINS- 122 West End Ave. $623,000 MONTVILLE- 8 Lake Shore Dr. $571,000 BUTLER- 22 Morse Ave. $562,000 PEQUANNOCK- 26 Munson Dr. $560,000

WAYNE- 55 Eleron Pl. $560,000 PEQUANNOCK- 133 Sunset Rd. $500,000 FAIRFIELD- 41 Donna Ln. $442,500 MOUNT OLIVE - 171 Smithtown Rd. $440,000 POMPTON LAKES- 101 Ringwood Ave. $415,000 WOODCLIFF LAKE- 15 Franklin St. $401,000

OAKLAND- 37 Monhegan Ave. $395,000 HILLSDALE- 67 Oakland St. $390,000 OAKLAND- 16 Sioux Ave. $388,000 PEQUANNOCK- 426 Boulevard $380,000 CLIFTON - 7 Chaplin Ct. $378,000 BLOOMINGDALE- 17 South Rd. $375,000

JEFFERSON- 6 Mansfield Way $370,000 BUTLER- 9 Alpine Dr. $370,000 BUTLER - 9 Washington St. $360,000 BLOOMINGDALE- 11 Hamilton St. $354,000 BUTLER- 3 Cleary Ave. $348,500 BLOOMINGDALE- 71 Hilltop Ter. $335,000 BUTLER- 27 Siek Rd. $327,500 CLIFTON - 26 Cambridge Ct. $320,000

HALEDON - 44 Sherwood St. $320,000 LINCOLN PARK- 5 Caroline Ter. $290,000 WEST MILFORD- 427 Otterhole Rd. $288,000 WEST MILFORD- 8 Warren Pl. $276,000 WEST MILFORD- 171 Ridge Rd. $275,000 BOONTON- 606 Boonton Ave. $259,000 BLOOMINGDALE- 74 Rafkind Rd. $250,000 BLOOMINGDALE- 18 Walter Dr. $242,500

Here is Our

2014 Résumé.

Plus Over 70

AdditionalHomes Sold!

i i b i lif dl i j F b 11 2015P 22 Z 2

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When homeowners

think about reno-

vating their proper-

ties, many first need to secure

some funding to finance such

projects. Some may tap into the

equity of their homes by refi-

nancing an existing mortgage,

while others may apply for

home equity loans. Taking the

latter approach may require

certain steps, including an

assessment of how much the

home and property is worth.

Home appraisals compare

your home to neighboring

properties to determine your

home’s current market value.

Homeowners can facilitate the

process by having certain infor-

mation readily available for the

appraiser. When preparing for

appraisers, homeowners should

consider and collect the follow-

ing information:

If your home was built on

the largest lot in the commu-

nity.

If you have made signifi-

cant upgrades since it was last

appraised, such as installing a

new roof or siding. Don’t over-

look smaller renovations, like

extra insulation added or seal-ing drafty windows, which can

increase a home’s value.

Proof that you have used

sustainable resources or if you

participated in any energy-sav-

ings programs.

Naturally, any expansion

projects, such as adding anoth-

er bedroom or extending the

footprint of the home, should

be mentioned.

A real estate appraiser is a

certified, licensed professional

who will do his or her best to

determine the value of your

home. The appraisal provides

banks with information that

can tell loan officers if the

house is worth the loan

amount. Expect to pay a fee for

the appraisal, which is general-

ly included in your closing

costs.The appraiser gathers

information for the appraisal

report from a number of sources, but the process often

begins with a physical inspec-

tion of the property, both inside

and out. He or she also will

compare your home against a

few others in the neighbor-

hood, which are known as com-

parables or comps. Appraisals

will be based on recent prices of

comparable properties as well as

other factors.

Apart from the improve-

ments done to the home, there

are other ways to get a higher

appraisal amount. The apprais-

er may consider the overall

maintenance of the home and

property. It is wise to consider

curb appeal and ensure the

home is clean and maintained

when the appraiser arrives.

Minor repairs or common

maintenance can impress theappraiser. Removing clutter

and cleaning up the home’s

interior can make the homeappear larger, possibly increas-

ing its value as a result.

It may be worth it to

invest some more money into

the property before having an

appraisal done. A study spon-

sored by the National

Association of Realtors says

wood floors, landscaping and

an enclosed garage can lead to a

more favorable appraisal.

An appraiser will spend

roughly 30 minutes in a home.

Try to give that person space to

do his or her job. Following the

appraiser around during an

inspection can raise a red flag

that something is wrong with

the house that you don’t want

to be seen. Turn lights on

throughout the house, make

sure the heating or cooling sys-

tem is functioning at full capac-ity and keep pets locked away.

Move items that can impede

access to basements or attics.

An accurate assessment

of the value of your home will

give banks the information

they need to determine loan

amounts for future renovation

projects. Providing back-

ground information on the

home and having a well-main-

tained property can improvethe chances of a favorable

appraisal.

Make the most of your home appraisal


[email protected]

NJ CIRCLE OF EXCELLENCE 2002-2014Consistent

TOP PRODUCER

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TOWNHOME SPECIALIST

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