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Adults no doubt recall

being tested for it in

school. But unless they

were diagnosed with it, adults

probably recall little else about

scoliosis.

Though not a terribly com-

mon disorder, the fact thatmany school districts still test

children for scoliosis indicates

its not entirely innocuous

either. In fact, according to the

National Institute of Arthritis

and Musculoskeletal and Skin

Diseases (NIAMS), 3 to 5 out

of every 1,000 children will

develop spinal curves consid-

ered large enough to warrant

treatment.

But what is scoliosis, whatcauses it and what can parents

of kids with scoliosis do to

ensure their kids can still lead a

normal life?

What is Scoliosis?

Scoliosis is a musculoskele-

tal disorder in which there is a

sideways curvature of the spine.

While some kids with scolio-

sis will require treatment,

others might simply need

periodic observation by their

physician.

Who is most likely to get

Scoliosis?

The most common typeof scoliosis is adolescent idio-

pathic scoliosis, which is most

likely to occur in girls over

the age of 10. Research has

also shown that idiopathic

scoliosis can be genetic, and

children who have a brother,

sister or parent with idiopathic

scoliosis or if any such relative

has had it in the past should

visit their physician regularly

for checkups and examinations.Though it is most common

in children over the age of 10,

its important to note that kids

younger than 10 can also devel-

op idiopathic scoliosis. Early

onset idiopathic scoliosis is

more common in Europe than it

is in the United States, but chil-

dren younger than 3 years old

can develop this disorder.

When a child is between the

ages of 3 and 10 and develops

scoliosis, thats known as juve-nile idiopathic scoliosis.

What causes Scoliosis?

More often than not, the

cause of scoliosis is unknown. In

fact, NIAMS estimates that the

cause of scoliosis is unknown 80

to 85 percent of the time.

Physicians will look for causes

such as injury or infection, and

if they find curves, those curves

are classified into two cate-

gories:

Nonstructural A nonstruc-tural spinal curve is temporary,

and can be caused by an under-

lying condition such as leg

length or muscle spasms. In

fact, an inflammatory condition

such as appendicitis can even

result in a nonstructural curve.

Screening of kids still important

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HAVE AHAPPY & SAFE

LABOR DAY!

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Note: To have your groups

announcement appear in

Community Happenings,

please e-mail the informationin paragraph format to calen

[email protected].

August 24-27

Volunteers with the Friends

of the Kinnelon Library are

meeting to prepare for the

Friends 35th annual used

book sale to be held August

24-27 at the Kiel Avenue

Firehouse. These volunteers

will sort and shelve over25,000 donated books. The

book sale is a popular fund

raiser for the Kinnelon

Library. Book donations will

be accepted on at the KielAvenue Firehouse from

August 1-17. A special book

drop bin will be available at

that location. Do not leave

any books at the library.

Hardcover and paperback fic-

tion, non-fiction, childrens

books, books on tape and

videos are welcome: No

records, magazines or Readers

Digest Condensed books and

no damaged books will beaccepted. For further details,

call the library at 973-838-

1321 or visit www.kinnelonli-

brary.org and click on the

Friends link.

August 25

Grooming by Johnji

Grooming & Pet Supplies on

14 Riverside Square in

Bloomingdale (off of Main

Street, will have a book sign-

ing on Saturday, August 25

from 10:00am-noon. Author

Sharon Soder will feature her

new book, Matthew Meets

Ollie and will offer 25% oftoday. For more information,

call 973-492-0100.

August 29

Sign up for a FREE FengShui Cures and Quick Tips

Workshop presented by Rev.

Vikki Anderson, Feng Shui

Consultant, to be held on

Wednesday, August 29, from

6:00 pm - 8:00 pm. Many

know the basics of Feng Shui,

but now we will add quick tips

and cures for you to remedy

specific space issues. You may

ask personal questions about

your home so you may attractmore positive and calming

energy into your home, yard,

or office. You will be creating

your sacred space where you

will feel supported in all areas

of life. This PowerPoint pres-

entation will include the

bagua so you will feel more

confident about which areasrepresent specific rooms with-

in your space. Feel free to

bring a rough draft floor plan

to make sure you know where

specific changes need to be

made. Feel free to bring pho-

tographs that show areas of

concern. Space is limited to

25. Please Note: All of our

Adult Programs are open to

those who are at least 18 years

of age. All programs are freeof charge. Please call or visit

the Library to reserve your

place. Butler Public Library is

located at 1 Ace Road,

behind the municipal build-

ing, on the internet at

www.butlerlibrary.org, or by

phone 973-838-3262.

September 8

Artisan and Crafters from

near and far will exhibit their

paintings, hand-thrown pot-

tery, jewelry and sculptures at

the Kinnelon High School

parking lot on Kinnelon Road

September 8 from 10am-4pm,

rain or shine. Enjoy crafts for

holidays, gifts and art work to

decorate your home.

Handmade soaps and candles,dried and silk flower arrange-

ments are all beautifully dis-

played for your browsing and

buying pleasure. Bring your

visit our website at www.lifeandleisurenj.com August 22, 2012Page 2, Zone 3

100% mailed twice a month newspaper234 Main Street, 2nd Floor

Lincoln Park, NJ 07035 973.696.8008

Publisher: Joe Pellegrino Editors: Bethanne Pellegrino & Kenneth Nicholas Assistant Editor & Administrative: Jennifer Pellegrino

Multimedia: Joe Pellegrino, Jr. Art Director: Robin Banta Graphics: Mary Lalama

Sales: Lisa Buniewski, George Papendick, Veronica Pluta Classifie ds: 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 the Life & Leisure. Views expressed in Life & Leisure arethose of the respective columnists and writers, and do not necessarily reflect those of the publisher, or Life & Leisure. Advertising is open to anyonedesiring to reach the public and is subject to approval, revision and/or rejection at any time by the publisher. Many of the articles are paid for by theauthor and are in effect advertisements. Publication of any advertisement does not constitute, either implied or inferred, an endorsement of services,products or businesses advertised. 2012 Life & Leisure, LLC. Life & Leisure is a trademarks of Life & Leisure, LLC.

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Over the past 30 years

there have been

many arguments

about the types of life insur-

ance policies available in themarketplace. The media has

compared Term vs. Whole

Life vs. Variable Life vs.

Universal Life and variations

within each of these life

insurance products. What

has never been contested,

debated or discussed, is the

need for life insurance. The

need is universally accepted

by everyone I have ever spo-

ken to about the subject!

Whats interesting though is

that most people wouldrather not discuss spending

any money on life insurance

and that truly is disappoint-

ing, regrettable and may I

also say flat-out wrong!

The #1 reason for the

purchase of a policy, has tra-

ditionally been income

replacement of the family

breadwinner. A close second

has been to pay for a funeral

and final expenses. Other

reasons include: debt cover-

age or a mortgage or a busi-ness partnership buy and sell

arrangement to cover the

expenses of college for the

kids and to equalize inheri-

tances. Another fabulous

reason to purchase a life pol-

icy is to settle the tax bill

from the government, both

state and federal, due to the

onerous taxes imposed at

death! Some people pur-

chased whole life policies to

accumulate cash value

for:emergencies, college sav-ings, a first home purchase,a

wedding or even to help with

retirement income; and all of

these were and are excellent

reasons to have a life insur-

ance policy.

Today, however, there

are even more compelling

reasons to take a look at how

life insurance can work won-

ders for you! The biggest

one, in my opinion, is to cre-

ate a non-qualified deferred

compensation plan as aretirement plan supplement.

Yes, in addition to your IRA,

401k, savings and emergency

funds a properly funded life

insurance policy can work

wonders for your future in a

tax-free environment. But

wait, theres still more! Now,

your life insurance policy can

offer payments prior to death

if you are unable to perform

some of the activities of dailyliving like: bathing, moving

from room to room, dressing

or feeding yourself. If you

have a cognitive impairment

like senility, Alzheimers or

dementia your life insurance

policy can pay you a partial

claim. A new life policy can

pay a partial claim if you

have a heart attack or a

stroke or cancer and dont

die! Did you know that? Ifyou are diagnosed with a ter-

minal illness, this too will

trigger a partial claim. You

know whats also unique?

These benefits are also avail-

able on certain Term policies

as well! Imagine, for one

premium you can get cover-

age for all of these contin-

gencies at the same time

from one policy and it will

still pay a death benefit whenyou die!

Now i ts true that a tra -

ditional long-term care poli-

cy would offer substantially

greater benefits than a life

insurance policy with a long-

term care rider, but, how

many of my readers have

either not considered, can-

celled or have inadequate

long-term care protection?

With the cost of a nursing

home in our area exceeding

$100,000+ annually and the

average length of stay to be

around three years, the latest

statistics tell us that there is a

70% chance if you are overage 75, that you will enter a

nursing home or the watered

down definition, an assisted

living facility, before you die!

The risk to your portfolio and

estate requires a second look

at providing this much need-

ed protection. I teach in my

workshops that a life insur-

ance policy may be the best

long-term care policy of all

in that you might never havethe nursing home experi-

ence, but, for sure youre

going to die! If there was an

intrusion into your net-

worth to pay for long-term

care, the life insurance policy

would ultimately replace

those funds tax-free. If you

and or your spouse never

spent a dime on long-term

care, the life insurance pay-

off could be used for one ofthe reasons mentioned earli-

er. Your kids can certainly

use the infusion of capital for

their retirement years or your

grandchildrens college

expenses or to pay estate

taxes at your death what-

Life Insurance Its not just for dying anymore! By Mark Charnet


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family, friends, and your

appetite too! The Friends will

run the food concession and

offer a variety of munchies

hot off the grill. We look for-wards to seeing you

September 8 to enjoy a day of

shopping and eating with

your friends, family, and

neighbors. If you are an arti-

san or crafter and are interest-

ed in exhibiting your hand-

made items in this years festi-

val, please contact the Friends

at [email protected] or go to

the website and download the

registration form at www.kin-nelonlibrary.org.friends.

Over 1,400 books, DVDs,

CDs, and VHS tapes are wait-

ing for good homes. Visit the

library September 8, 10a.m.-

2:30p.m., and for $5 you can

fill a library-provided shop-

ping bag with these items

from the Book Sale Room.

While book shopping stop by

the bake sale table for some of

the wonderful goodies-cook-ies, cupcakes, brownies and

more!- baked by the

Wednesday Morning Book

Club. Butler Public Library is

located at the back of the

Municipal Building, 1 Ace

Road, Butler.

September 15There will be a Pre-

School/Toddler Dance Class

for kids ages 2 -4 years pre-

sented by Michele Theiler,

Dance Instructor & Owner

of On the Move Dance

Studio, to be held on

Saturday, September 15, from

11:30a.m.-12:15p.m. Give

your toddler the opportunity

to move to the music and

dance with other children intheir age group. Dance

Instructor Michele Theiler

will lead the children and

teach them how to move to

the groove. This program is

limited to 12 kids. Check out

website for other programs at

www.butlerlibrary.org. Butler

Public Library is located at 1

Ace Road, behind the

municipal building, on the

internet at www.butlerli-brary.org , or by phone 973-

838-3262.

Dentists are facing one

of the biggest chal-

lenges in history.

Advances in modern medi-

cine have increased the aver-age lifespan, and the country

now has the highest popula-

tion of over-65-

year-olds. While

many of the baby

boomers have held

on to their natural

teeth, there is a por-

tion that has lost

teeth or wears den-

tures, and this por-

tion of the popula-tion is expected to

rise exponentially.

As we age, our

jawbone naturally

shrinks, or resorbs.

Denture-w earer s

and those patients

who have lost teeth

experience this to a much

larger degree. Wearing full or

partial dentures comfortably

then becomes much moredifficult.

Dental implants have

been one of the significant

advances in dentistry.

Several types of implants and

restorations are available.

Until two or three years

ago, denture-wearers hadbeen denied conventional

implants due to severe bone

loss, the inability to place the

implant, and other health

risks. Now there is a great

alternative.Mini implants revolu-

tionized dentistry with the

introduction of a minimally

invasive treatment plan for

denture stabilization. These

small diameter implants

enable dentists to broaden

the amount of patients whocan be treated using

implants.

Some advantages of the mini

implant:

-May be placed in patients

with jawbone resorption.-May be placed in patients

who are unable to withstand

the rigors of conventional

implant surgery.

-Never requires stitches.

-May be able to use existing

dentures.

-May be able to have same-

day service.

-May be a lower cost option

than traditional implant

treatment.

Call Dr. Brusco for a compre-

hensive consultation. Upon re-

view, you may be eligible for

this exciting alternative to

unstable dentures. Dr. Peter

Brusco is a 1980 graduate of

the University of Pennsylvania

and has been practicing in

Kinnelon since 1982.

Dr. Bruscos practice is located

at 170 Kinnelon Road,

Suite 29A in Kinnelon.You can reach him at

973-838-5862. Visit him

online at www.drbrusco.com.

Denture stabilization By Dr. Peter Brusco


Community Happenings

continued from page 2


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When treating a nonstruc-

tural curve, physicians treat

the underlying condition and

the spine then readjusts.

Structural Structural

curves of the spine are more

serious, and can be the result

of a tissue disorder or disease.

Neuromuscula r diseases such

as cerebral palsy or muscular

dystrophy can result in struc-

tural curves of the spine.

Structural curves can also be

the result of a birth defect

such as hemi vertebra, when

one side of a vertebra fails to

form normally before birth.

Injury, metabolic diseases

and rheumatic diseases can

also result in structural

curves of the spine.

Does Scoliosis have to be

treated?

Each individual case of

scoliosis is different, but

oftentimes school screening

programs are in place to shed

light on a condition and

determine whether or not

there is a need for observa-

tion as a child continues to

grow. In many cases, children

who are sent to the doctor by

screening programs have very

mild curves that dont

require treatment. If treat-

ment is required, a child

could be sent to an

orthopaedic spine specialist.

From there, the physician

will likely recommend one of

the following:

Observation Because

children diagnosed with scol-

iosis are still growing, some-

times observation is all thats

necessary. If thats whats rec-

ommended, a doctor will

examine the child every 4-6

months. If the idiopathic

curve (the measure of the

spinal curve) remains less

than 25 degrees, observation

will likely remain the extent

of the treatment needed.

Bracing When the idio-

pathic curve in children who

are still growing is larger

than 25 to 30 degrees, the

doctor will likely advise a

child wear a brace to keep

the curve from getting any

worse. When a child nears

the end of his growth, the

doctor will then examine the

effects of the curve on the

childs appearance, and also

determine if the curve is get-

ting worse.

Surgery In general, doc-

tors will recommend surgery

for children who are still

growing and have a curve

greater than 45 degrees.

To ensure their health

and safety, children should

undergo routine checkups

and examinations, including

those for spinal conditions

such as scoliosis.


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Screening of kids still important


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Many Americans see

Labor Day on

the calendar and

immediately feel some mixed

emotions. Though Labor Day

is often a time to celebrate at

a backyard barbecue with

family and friends, to many

people it also marks the unof-

ficial end of summer.

But Labor Day is more

than just barbecues and a

send-off for summer. Labor

Day actually dates back to the

19th century, though its ori-

gins are still open for debate.

According to the United

States Department of Labor,

recent research supports the

contention that Labor Day

was the brainchild of machin-

ist Matthew Ma-guire, who

supposedly devised the idea in

1882 while serving as secre-

tary of the Central Labor

Union in New York. But some

still feel it was Peter J.

McGuire, a cofounder of the

American Federation of

Labor and general secretary

of the Brotherhood of

Carpenters and Joiners, who

founded the holiday.

Though the debate as to

who founded Labor Day fig-

ures to continue, historians

do know that the first Labor

Day was celebrated on

Tuesday, September 5, 1882,

in New York. This was in

accordance with plans from

Maguires Central Labor

Union, which would go on to

encourage other states and

cities to adopt the first

Monday in September as

Labor Day, and celebrate it

accordingly just as it was

being celebrated in New York.

As labor unions grew,

more and more cities started

celebrating Labor Day, which

McGuire suggested should be

a day to honor those who

from rude nature have delved

and carved all the grandeur

we behold.

As the popularity of

Labor Day grew, governmen-

tal recognition was not far

behind. By 1885, municipal

ordinances recognizing Labor

Day had been passed, and

from those eventually sprout-

ed a movement to inspire

state legislation. Though the

holiday was first celebrated in

New York, in 1887 the state

of Oregon became the first

state to pass a law recognizing

the first Monday of

September as Labor Day. New

York, along with Colorado,

Massachusetts and New

Jersey, followed suit that same

year. As the 1880s drew to a

close, Connecticut, Nebraska

and Pennsylvania were recog-

nizing Labor Day, and by

Labor Day dates back to the 1800s


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Should the day ever

arrive when school

uniforms are mandato-

ry, that day would mark the

end of a long-running

debate. Parents on both sides

of the debate make valid

points as to the advantages

and disadvantages of school

uniforms. Parents undecided

about the issue should con-

sider the following pros and

cons before making a deci-

sion of their own.

Pro: School uniforms will

save parents money. The

premise here points to par-

ents spending lots of money

each year on school clothes

for children, money that

would be saved if every

school required uniforms.

Con: Those opposed to

school uniforms note that

those uniforms are expensive

and dont offer the versatility

of normal wardrobes because

they cannot be worn outside

of school.

Pro: School uniforms help

kids establish themselves on

merit rather than money and

wardrobe. Here, proponents

of school uniforms argue that

too often at schools without

uniforms a students social

status and popularity is based

on his or her clothing.

Uniforms, the theory sug-

gests, will encourage kids to

establish their reputations

more on merit and personal

character instead of what

clothes they can or cant

afford.

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1894, 23 other states had

adopted the holiday to honor

workers.

But it wasnt until June

28, 1894 that Congress would

officially pass an act that

declared the first Monday in

September of each year a legal

holiday. This applied to all

states as well as the District of

Columbia.

Though Labor Day is

now a time to gather with

family and friends and possi-

bly enjoy some time at the

beach or at a barbecue, its

important for Americans to

recognize both the signifi-

cance and the history of this

special day in September.


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Pros and cons of

school uniforms

express themselves.

Pro: School uniforms might

help deter violence at

schools. Over the years gangs

have adopted certain colors

or styles of clothing by which

to identify themselves. By

making school uniforms

mandatory, this might help

reduce instances of gang-

related violence as students

will no longer be afforded the

opportunity to tailor their

daily wardrobe to match their

gang affiliation.

Con: Opponents of school

uniforms typically feel that

this argument punishes stu-

dents who are not in or asso-

ciated with gangs and have

therefore earned the right to

wear the clothing of their

choice.

continued from previous page

To Advertise

in Life & LeisureCall 973-696-8008

7/31/2019 221657_1345202888August 22, 2012 Z3_low rez

12/32

September 27

There will be an Introduc-

tion to Zumba Beginners

Dance Fitness Class on

Thursday, September 27, from

6:45p.m.-7:45p.m., presented

by Michele Theiler, owner of

On the Move Dance Studio.

Want to try out this new

dance/fitness class? This is a

one-time class being offered as

an introduction to Zumba.

Come see what Zumba is all

about. This program is limited

to 12 people. Please Note: All

of our Adult Programs are

open to those who are at least

18 years of age. All programs

are free of charge. Please call

or visit the Library to reserve

your place. Butler Public

Library is located at 1 Ace

Road, Butler, NJ, behind the

municipal building, by phone

at 973-838-3262, or on the

web by visiting www.butlerli-

brary.org.

September 30

Exercise programs at the

Summer is a time for fun

swimming, picnics,

baseball games, and

playing with your dog in your

freshly mowed lawn. The

only downside to summer is

the heat! For us humans its

easy to keep a tall glass of

lemonade around or crank

the air conditioning up to

keep us cool during these

months.

But our pets dont

often have it so easy. It can

be miserable for your dog to

be stuck in the heat for

long periods of time with

no way to keep cool. While

its obviously preferable to

keep your best friend

indoors when the weather

gets hot, sometimes its not

practical.

If you absolutely have to

keep your dog outside during

these hot months, then there

are a few simple things you

can do to keep your dog safe

and cool. You dont want to

forget these tips; they are

absolutely essential.

First off, make sure your

dog has plenty of shade. You

can build a simple pavilion

out of scrap wood and a tarp

if there is no other shade

source. Shade can make a big

difference!

Also, make sure your

dog has lots of cool water.

They make great water bowls

now that can be hooked up

to a hose and that continual-

ly refills the bowl when the

water level drops below a cer-

tain point. Its great because

your dog will never run out of

cool water!

Another super way to

keep your dog cool is to give

him access to a kiddie pool

filled with water, but this is

only for dogs that like the

water and are able to swim.

Remember: safety first! Dont

do this if you have a small,

short-legged dog that could

drown in the pool.

Finally, and one of the

best ways to keep your pet

cool during the summer, you

can get your dog a cooling

dog bed (also known as a dog

cooling mat). This is a great

way to make sure your dog

stays comfortable in that

blistering summer

heat. And if you are

looking for a cheap

dog bed, a cooling

dog bed or dog cool-

ing mat usually does

not cost too much

and works great.

They require no

electricity; they

work by simply dis-

persing the water

inside the dog cooling mat

when dogs lie down, pro-

viding a cool, dry place to

sleep. Theyre made out of

a tough nylon material so

that claws wont puncture

when the dog walks across

them. Cooling dog beds are

a great way to keep your

favorite pet from suffering in

the hot summer sun. These

dog cooling mats are also

great for dogs that have just

gotten back from playing

outside or from taking a dog-

gie walk.

Remember to always fol-

low these tips when your dog

is outside in the summer. In

the end, however, the best

way to keep your dog cool is

to keep it indoors when the

heat is too much!

Article courtesy of pet-

articles.blogspot.com.

Brought to you by Dr.

Matthew Krupnick, the owner

of the Pequannock Animal

Hospital. He grew up in Kin-

nelon and is happy to be home

with his wife, th ree 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 keep your dog cool in the summer By Dr. Matthew Krupnick


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Community

Happeningscontinued from page 6


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Bloomingdale Senior Care

Center will resume the week

of September 10. Aerobics on

Mondays and Wednesdays,

Chair Aerobics on Tuesdays

and Thursdays, chair Yoga on

Tuesday afternoon and Zumba

Gold on Wednesdays. For

times and information, call

Pat at 973-838-9259. Last

opportunity to join the

Bloomingdale Seniors on the

Move on a 13-day cruise of

the Southern Caribbean in

January. Reservations are due

September 30. For informa-

tion, please call Pat at 973-

838-9259.

October 20

Pompton Reformed Church,

Pompton Lakes NJ is looking

for vendors for their annual

Autumnfest which will be

held Saturday October 20.

For an application, please call

the church office at 973-835-

0541 or see our website

w w w . pomptonre fo rmed-

church.org.

Around theCommunity

Exercise programs at the

Bloomingdale Senior Center

will resume the week of

September 10th. Aerobics on

Mondays and Wednesdays,

Chair Aerobics on Tuesdays

and Thursdays, Chair Yoga on

Tuesday afternoon and Zumba

Gold on Wednesdays. For

times and information, call

Pat at (973) 838-9259. Last

opportunity to join the

Bloomingdale Seniors on the

Move on a 13 day cruise of

the Southern Carribean in

January. Reservations are due

September 30. For informa-

tion, please call Pat at 973

838-9259

The Pompton Lakes

Historic Preservation Com-

mission recently had three

historic plaques placed at his-

toric landmarks in town. Be

sure to see them, they are

beautiful! One was placed on

Ramapo Ave. at Christ

Church for its architectural

and historical value. Another

is at 227 Hamburg Tpk.

Which has architectural

value, and the third is at 43

Perrin Ave. to honor the old

Schuyler House there. The

Commission had had 15 prop-

erties designated as local his-

toric landmarks in the bor-

ough, most of which nor have

historic signs.

St. Marys Church, Pompton

Lakes has moved the Parish

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As always there is no cost or

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Community Happenings

continued from previous page


7/31/2019 221657_1345202888August 22, 2012 Z3_low rez

14/32

2013 HSA Limitations

Health savings accounts

(HSAs) were created as a

tax-favored framework to

provide health care benefits

mainly for small business

owners, the self-employed,

and employees of small to

medium-sized companies who

do not have access to health

insurance.

The tax benefits of

HSAs are quite favorable and

substantial. Eligible individu-

als can make tax-deductible

(as an adjustment to AGI)

contributions into HSA

accounts. The funds in the

account may be invested

(somewhat like an IRA), so

there is an opportunity for

growth. The earnings inside

the HSA are free from feder-

al income tax, and funds

withdrawn to pay eligible

health care costs are tax free.

The recently released 2013

inflation-adjusted deduction

for individual self-only cover-

age under a high-deductible

plan is $3,250, while the

comparable amount for fami-

ly coverage is $6,450. This is

an increase of 4.8 percent and

3.2 percent respectively from

2012. For 2013, a high-

deductible health plan is

defined as a health plan with

an annual deductible that is

not less than $1,250 for self-

only coverage and $2,500 for

family coverage, and the

annual out-of-pocket expens-

es (including deductibles and

copayments, but not premi-

ums) must not exceed $6,250

for self-only coverage or

$12,500 for family coverage.

Kiddie Tax Update

In the good old days,

highly taxed parents could

shelter some of their invest-

ment income by attributing it

to their lower taxed older

children. No more. The kid-

die tax captures that income

at the parents rate. Parents

may not realize there are tax

rules that could affect their

childs investment income.

Here's how it works. A child

is subject to the kiddie tax if:

He or she has not attained

age 18 as of the close of the

tax year, or has earned

income that does not exceed

half of his or her support and

is either age 18 or a full-time

student aged 19-23

Either parent of the child is

alive at the end of the tax

year

The child does not file a

joint return for the tax year.

Note: The kiddie tax applies

to children under age 18

regardless of their earned

income level.

A child subject to the

kiddie tax pays tax at his or

her parents highest marginal

rate on the childs unearned

income over $1,900 (for

2012) if that tax is higher

than the tax the child would

otherwise pay on it. The par-

ents can instead elect to

include on their own return

the childs gross income in

excess of $1,900 (for 2012).

An individual eligible to

be claimed as a dependent on

another taxpayer's return

may not claim a personal

exemption. Thus, a child

cannot claim a personal

exemption ($3,800 in 2012)

if his or her parents can claim

an exemption for him or her;

whether they actually claim

the exemption is irrelevant.

The 2012 standard

deduction for a child claimed

(or eligible to be claimed) as

a dependent on another

return is the greater of $950

or the sum of $300 plus

earned income, but not to

exceed the $5,950 (for 2012)

standard deduction that

would otherwise be allow-

able. For 2012, a child with

no earned income (e.g.

wages) may use a standard

deduction to avoid tax on the

first $950 of unearned

income (e.g. dividends);

the next $950 is taxed at the

child's tax rate. Therefore, in

2012, the kiddie tax provi-

sion does not affect the child

until unearned income

exceeds $1,900 (or greater if

the child itemizes deductions

and deductible expenses

directly connected to the

unearned income exceed

$950).

Example: Child with earned

income.

Johnny, 17, earns $2,000

delivering newspapers. He

also had $1,300 of dividend

income, for a total of $3,300.

The earned income from the

paper route ($2,000) is fully

sheltered from tax by

Johnny's standard deduction

of $2,300 ($2,000 earned

income plus $300; limited to

$5,950 in 2012). So, the

$1,000 excess ($3,300 -

$2,300) will be taxed at a

normal 10 percent tax rate.

The kiddie tax does not apply

because unearned income is

less than $1,900.

Robert Sokoloff is a CPA and

the Principal with Robert P.


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2013 HSA Limitations & Kiddie Tax update By Robert Sokoloff, CPA


7/31/2019 221657_1345202888August 22, 2012 Z3_low rez

15/32

Library to the Carnival

Center on the second floor.

The collection includes CDs

and Video tapes as well as

books. All are religious in

nature. Borrowing is on the

honor system.

The Pompton Lakes

Republican Club invites you

to its monthly meetings on

the third Thursday of each

month at the VFW Post 2906

off Wanaque Avenue in

Pompton Lakes. Membership

is open to the public. Get

involved with the PLRC and

participate in informative

meetings, community out-

reach, scholarships for

youth, and social activities.

Questions? Call 973-835-

4025 or e-mail kbaig@opt

online.net.

Kinnelons Open Space

Committee (OSC) and Open

Space Advisory Committee

(OSAC) are inviting mem-

bers of various organizations

and committees throughout

the borough to join them on a

tour around Kinnelon. The

Land Conservancy of New

Jersey will be taking notes and

gathering information on

Kinnelons historical, recre-

ational, and open space facili-

ties in order to update the

boroughs open space plan.

Residents should go to

www.kinnelonboro.org for

additional information re-

garding public meetings in

which they can participate.

Comments and suggestions

are always welcomed at kin-

[email protected].

The Circle of Friendship, a

support group for the separat-

Sokoloff and Associates on

Main St. in Lincoln Park, NJ.

He is a QuickBooks Certified

Pro Advisor and his firm spe-

cializes in tax compliance and

planning, IRS representation ,

business start-ups and virtual

CFO and bookkeeping

services. Robert can be reached

at 973-633-1001,

[email protected],

or you can visit www.cpanew-

jersey.com. This information is

designed to be for informational

use only. Please consult with us

or your own tax professional

before applying this general

information to your

specific situation.


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2013 HSAcontinued from previous page

Community Happenings To Advertise in Life & Leisure Call 973-696-8008continued from page 13


b lif dl i j A t 22 2012P 16 Z 3

7/31/2019 221657_1345202888August 22, 2012 Z3_low rez

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Physical Therapy & Wellness Center

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Suite 9 Riverdale, NJ 07457tel: 973.513.9880 fax: 973.513.9882

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A t The Physical Therapy & Wellness Center we are known for our dedication to our patients and commitment toachieving successful patient outcomes. We provide our patients with individualized and comprehensive physicaltherapy and rehabilitation programs. Our holistic approach encompasses non-surgical treatments that relieve pain,promote healing, and prevent future injury. This comprehensive treatment strategy aims to optimize results andshorten recovery times.

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As kids watch their

last few days of sum-

mer vacation slowly

slip away, their parents are

preparing them for a return to

the classroom. Some kids

cant wait to get back to

school, where they can con-

tinue their studies and spend

time with their friends.

Others, though, might not

look forward to new school-

work, and that might be

because of attention deficit

hyperactivity disorder, or

ADHD.

ADHD is a common

condition in which children

experience problems with

paying attention or concen-

trating. Such problems can

make it difficult for kids to

excel in the classroom. Many

children have ADHD.

According to the National

Institute of Mental Health, as

many as 3 to 5 percent of chil-

dren have ADHD, while

other experts feel ADHD

occurs in as many as 10 per-cent of school-aged children.

Because its so prevalent,

ADHD is a concern for many

parents, who want their chil-

dren to enter the classroom on

an even playing field. Parents

who suspect their children

have difficulty paying atten-

tion or concentrating can

look for certain warning signs

or symptoms of ADHD.

Symptoms of ADHD in chil-

dren are grouped into three

categories: inattention, hyper-

activity and impulsiveness.

Inattention will often

not be noticeable until a child

enters a school environment.

A child with ADHD will:

exhibit a tendency to make

careless mistakes in school or

other activities,

frequently shift from one

uncompleted activity to

another,

procrastinate,

struggle to finish schoolwork

or perform tasks that require

concentration,

be distracted by irrelevant

stimuli.

Hyperactivity symptoms

can manifest themselves

rather early and are almost

always present before a child

reaches his or her seventh

birthday. Symptoms of hyper-

activity include:

fidgeting or squirming when

seated,

frequently getting up to

walk around,

running or climbing exces-

sively when its inappropriate,

talking excessively.

Impulsivity can lead to

accidents, be it knocking

objects over or banging into

people. Impulsive children

may also engage in dangerous

activities without considering

the consequences. Symptoms

may include:

impatience,

difficulty delaying responses,

difficulty awaiting ones

turn,

initiating conversations at

inappropriate times,

frequently interrupting or

intruding on others.

Parents who want more

information on ADHD can

visit www.nimh.nih.gov.

Recognizing ADHD in children


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R

esearch indicates that

children whose par-

ents get involved with

their education are more like-ly to earn better grades and

less likely to have behavior

problems in the classroom.

The concept of parents

working in conjunction with

schools is nothing new. A

1987 study by Paul G.

Fehrmann and colleagues

documented the importance

of parental involvement on

their child's grades. Published

in the Journal of Education

Research, the study found

that when parents stayed

directly involved in their

childs studies throughout

high school, the childs gradesimproved.

There are many different rea-

sons for parents to get

involved with their childs

school and the community.

Helping their children suc-

ceed is just one of them. The

choice is just how to go about

connecting with the school.

Here are a few ideas.

Work with the teacher

Teachers are increasingly

facing obstacles with regards

to time and funding. Many

must preside over large classes

and are responsible for outfit-

ting their classrooms with cer-

tain supplies. This presents

ideal opportunities for parents

to step up and pitch in.

Volunteering in your

childs classroom is a good

way for you to help his or her

teacher and get a firsthand

account of what your child is

doing in class. You may be

asked to prepare and package

homework assignments or put

together materials for craft

projects. Some teachers wel-

come parents who come in to

How parents can get involved at school

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



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v s t ou webs te at j

70+7

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Back-to-school season

is on the horizon, and

many students and

parents are either loving or

loathing the idea of starting a

new school year. For some, a

party to commemorate the

new school year and the end

of summer is customary.Hosting a fun event for the

soon-to-be students is one

way to make the most of

vacation time.

Go with a theme. Maybe

the theme is rulers and text

books, ABCs, or science, and

it can run through the deco-

rations used, the games

played, the food served, and

many other aspects of the

event. Consider a scienceexperiment inspired volcano

cake that is oozing strawberry

jam.

Include some educational

games. Some students experi-

ence educational backsliding

during summer vacation.

That is why many schools

have summer reading lists

that educators feel promote

lesson reinforcement for the

coming school year. Withthis in mind, plan activities

around concepts children

learned in school. Think

about math problem relay

races, art projects, reading a

story and reenacting it in a

play form, or science experi-

ments using solar energy.

Host a campout reading

marathon. Encourage guests

to bring sleeping bags and

favorite books to a campout

under the stars. Most of the

time can be spent reading

while breaks can be devoted

to exercising, making cam-pout snacks or telling camp-

fire stories.

Rent out a fun bus or truck.

Since many students will be

spending a good deal of time

on a school bus once the new

school year commences, tie

into those jaunts to school by

renting the services of a game

bus or truck. Some vendors

will park their vehicles in

front of the house for an houror more, allowing children to

climb inside and enjoy them-

selves on play equipment or

compete in video game com-

petitions inside specialized

gaming trucks.

Plan a group event at the

beach. Spending time seaside

can be educational and

enjoyable at the same time.

Enlist the help of a few chap-

erones and set up an area onthe beach where kids can

play and explore the wonders

of nature around them. Pack

picnic-type snacks or ask

attendees to bring items

themselves.

Plan a trip to the school.

First-time students may be

anxious about what to expect

during their first days of

school. Having friends who

are slightly older accompany

younger kids to school to

give a tour and show them

the ropes make the experi-

ence less frightening.Afterward, meet at a pizzeria

to enjoy some slices and

soda.

Host a classic pool party. Of

course, some kids want to

commemorate the end of

summer vacation by enjoying

the pool one last time. Have

a classic pool party and bar-

becue in the yard for every-

one to enjoy.

j

Congratulations to the graduation class of 2012

from Bloomingdale Day Care and Nursery School located

at 65 Main St, Bloomingdale.

We wish them all the best in Kindergarten!

Back-to-school party ideas


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Are you courageouswhen it comes to

decorating your

home? Many of us would like

to be as creative as possible

but need guidance to venture

out from the neutrals and

into something more power-

fully beautiful.Color is the most impor-

tant tool in the toolbox, say

experts, who often add that

one of the easiest and most

inexpensive ways to infuse the

home with color is with paint.

People often feel intimi-

dated by this type of expressionand thats why so much of our

country is beige and off-white,

says Genevieve Gorder, a

renowned interior designer

and color expert for Valspar

Paint. We need to remember

that color is a great balancer in

a space; it's a juggling act

between neutrals, grounding

shades, highlight and accent.

When choosing a paint

palette for any room, Gordernotes, there are four key com-

ponents to ensure powerful

effects while keeping a harmo-

nious balance: neutrals, which

are the beige or creamiest ver-

sions of any color; the ground-

ing shades, like blacks, browns

and grays; the highlights, like

the bright white on moldings

and window trim; and the all-

important saturated pops of

color which add life to anyroom.

You might want your pop

of color to be a powerful accentwall, Gorder continued.

Then, you can complement it

with neutral upholstery and

grounding accents in the

accessories to balance it all.

For additional guidance,

inspiration and even libera-

tion here are this decorators

favorite tips.

If you want to incorporate a

trendy color into your home

but feel intimidated, start smallwith paint or decor accents

that are inexpensive. This way,

you can always change your

mind if you fall in love with

something new or want to

refresh the look of your room.

Use the chip rack at your

retailer to find color families

and their complementing

shades. A popular way to find

an accent, for example, is to

go a few shades darker in thesame family.

Feel free this season to

express yourself fully without

risk. Valspar Paint is offering

a complimentary replacement

color to anyone who has achange of heart about their

first choice. This Love Your

Color Guarantee runs

through October 8, and you

can get all the details and

offer terms at loveyourcolor.com.

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Understanding prop-erty taxes is not

very cut and dry.

They are supposed to rise and

fall with home values, but

this isn't always the case.

There are roughly 80,000

pages of federal code on

property taxes, and each

state and town often has its

own rules governing how

property taxes are assessed.

State and local budget cutscan raise taxes even if your

home value remains the

same, as will an increase of

benefits for public employ-

ees. Property tax is typically

the primary means that many

jurisdictions raise revenue.So if your community needs

money, you can probably

count on it financing that

need through higher property

taxes.

The two things that

determine property taxes are

the assessed value of your

home and the property tax

rate for where you live. In

many cases, making improve-

ments to the inside and out-side of your home can result

in higher taxes on your prop-

erty. Many homeowners do

not think about the tax man

when they are about to reno-

vate their home. But it is

important to consider thathome repairs even planting

a garden could lead to

higher property taxes.

Although the vast majority

of repairs that most often

affect taxes include major

renovations, there are lesser

known repairs that can catch

even savvy homeowners by

surprise.

Here is a look at some ofthe renovations that could

raise your property taxes.

Adding a room: Converting

the garage into a bedroom or

adding on a new bathroom

will increase your home's

value and the property tax

youll pay on the home.

Although tax assessors dont

usually make surprise trips to

your home to check for reno-vations indoors, they may

peruse permits filed at the

clerks office and then inves-

tigate. Permits are the pri-

mary way assessors learn

about improvements, so

much so that some home-

owners look to circumvent

permits when making reno-

vations. But that can cause a

number of problems downthe line if and when you

decide to sell.

Pools and outdoor struc-

tures: Changes to a homes

exterior are some of the easi-

est to see and document.

Permanent changes out-

doors, such as the installa-

tion of a shed with a concrete

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After a summers worthof memories and fun

in the sun, pool own-

ers know its time to close their

pool for the coming fall and

winter seasons.

As the leaves begin to

change color and the air starts

to grow a little more crisp,

homeowners turn their atten-

tion to winterizing their pools.

The goal is to begin the work

early on so that youre not fac-ing the hassle of leaves all over

the ground or in the pool.

Many times, closing the pool

requires a team effort, so enlist

the help of a spouse, friend or

family member before begin-

ning the process.The first thing that is

essential to winterizing the

pool is having all of your equip-

ment ready. Depending on the

type of pool you have, this

equipment can vary. But have

all tools, winterizing chemicals

and water plugs at the ready.

Although inground pools and

above-ground ones have simi-

lar winterizing steps, there are a

few differences between thetwo and it is important to be

aware of the differences.

Thoroughly vacuum the

bottom of the pool and clean

the walls. You want to remove

as much organic material, such

as algae and dead insects, aspossible prior to covering the

pool so that there is a higher

propensity the water will be

crystal clear next spring or sum-

mer when you reopen the pool.

Once the pool has been

vacuumed and cleaned, back-

wash the filter to remove any

excess residue. Remove plugs or

open drain ports on the filter

and let all of the water flow out

of the filter. Give the filtercomponents, including skim-

mer baskets, a good rinse with

water and allow them to dry.

Next, disconnect the

pools pump and filter.

Everything should be totally

drained of any water. With anabove-ground pool, remove

intake and output hoses and

drain. For inground pools, use

an air compressor or a shop

vacuum to blow out any resid-

ual water from the return pipes,

and then promptly plug up the

ports.

Some people prefer to

plug-up the skimmer return as

well and leave the water level

of the pool as is. However, it isalso possible to drain the pool

water level below the skimmer

level. Put duct tape or use some

other blockage method on all

exposed pipes or openings to

the pools to prevent anything

from getting inside -- this

includes any insects and

rodents looking for places to set

up winter camp.

While some people keep

their filters disconnected andoutdoors for the winter, the

pump should be moved into a

garage or shed. Do so with the

filter if you have room in order

to better safeguard the equip-

ment.

Homeowners should also

test the pool water chemistry

and adjust the pH, calcium

hardness and total alkalinity

according to recommended

levels. Then prepare to add the

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ed and divorced, meets at

7:30pm every Thursday at St.

Marys Church, 17 Pompton

Ave. in Pompton Lakes. For

further information, call

Christine at 973-335-9880.

Singles in their 20s and 30s

looking to meet other young

Jewish singles should join us

for games, friends, snacks, and

more! We meet the firstSunday of the month at

Congregation Beth Shalom,

21 Passaic Ave. in Pompton

Lakes. Bring your friends.

Find our Facebook page

or e-mail singles.jewish@

gmail.com.

Passaic Valley Hospice, a

non-profit organization, is in

need of volunteers for various

duties. Volunteers are an

integral part of the profes-sional hospice team that pro-

vides physical, emotional,

and spiritual support to the

terminally ill. Volunteers

work directly with patients

and families, providing

respite for caregivers, com-

panionship for patients and

families, and errand-runs.

Weekday volunteers are

especially needed. For addi-

tional information, call 973-

256-4636 and ask for Laura

Entwistle. Reach out give

the gift of self!

Theres a lip-smacking

surprise in the center

of each of these

yummy muffins. Our Test

Kitchen staff made them sim-

ple to prepare, so you can eas-

ily bake them up for family

and friends. Great for a school

lunch too!

12 Servings Prep: 10 min.Bake: 15 min. + cooling

Ingredients

2 cups all-purpose flour

2 teaspoons baking powder

3/4 teaspoon baking soda

1/4 teaspoon salt

2 eggs

3/4 cup thawed apple juice

concentrate

1/2 cup reduced-fat chunky

peanut butter1/4 cup fat-free milk

3 tablespoons butter, melted

1/3 cup strawberry spreadable

fruit

Directions

In a large bowl, combine the

flour, baking powder, baking

soda and salt. Combine the

eggs, apple juice concentrate,

peanut butter, milk

and butter; stir into dry ingre-

dients just until moistened.

Coat 12 muffin cups with

cooking spray. Spoon half of

the batter intocups. Spoon about 1-1/4 tea-

spoons spreadable fruit into

the center

of each; top with remaining

batter.

Bake at 350 for 15-20

minutes or until a toothpick

inserted into

muffin comes out clean. Cool

for 5 minutes before removing

from pan

to a wire rack to cool com-

pletely.

Yield: 1 dozen.

Taste of Home 2012Nutrition Facts: 1 muffin equals

225 calories, 8 g fat (3 g saturat-

ed fat), 43 mg cholesterol, 315

mg sodium, 33 g carbohydrate, 1

g fiber, 6 g protein. Diabetic

Exchanges: 2 starch, 1-1/2 fat.

#'!%##$!"!

$!#

Peanut Butter n Jelly Muffins Community Happeningscontinued from page 15


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Well, its finally

here: the movie

just about every-

one has been waiting for dur-

ing the last four years. The

final Batman film ofThe Dark

Knight trilogy hit theaters

three weeks ago and continues

to reign as the No. 1 hit in the

box office. Although it had a

shaky start opening weekend,the film continues to fill up

theaters and entertain audi-

ences everywhere.

Director Christopher

Nolan has once again suc-

ceeded in recreating the dark

hero on the big screen. The

Dark Knight Rises continues

the storyline of the caped-cru-

sader and ends the series on a

high note with another terrif-

ic and well-produced install-ment of the franchise.

In the film, the notorious

vigilante of Gotham City,

played by Christian Bale, has-

nt been seen in eight years

after being accused of murder-

ing District Attorney Harvey

Dent (Aaron Eckhart).

Gotham currently enjoys a

time of peace where crime

rate has been low and crimi-

nals have been securelylocked away for long and

indefinite periods of time.

While everyone enjoys

the peacetime in Gotham,

Police Commissioner Gordon

(Gary Oldman) cannot help

but feel that something war-

like is imminent. This war is

ushered in by a new villain

known as Bane (Tom Hardy),

a masked man who incites the

people of Gotham to take thecity into their own hands and

punish the wealthy citizens

who have suppressed them for

so long.

While Gotham city

enters into complete anarchy,

only the Batman, the often

despised and unappreciated

hero of the city, can save it

from ultimate destruction. TheDark Knight Rises also intro-

duces some new characters in

addition to Bane, such as

Catwoman (Anne Hathaway)

and Detective John Blake

(Joseph Gordon-Levitt), who

provide Batman with some

unlikely and heroic assistance.

The Dark Knight Rises,

along with the rest of the tril-

ogy, stands out as unique from

other superhero movies.When you look at the Marvel

heroes, you see super powers

and crazy colored tights. In

the Batman franchise, we

dont have the fun costumes

and the powers; we have

everyday people who are sim-

ply human. One of the things

Bruce Wayne says about his

secret identity is that Batman

could be anyone. (In this case,

it just happens to be a billion-aire.)

Even the villains dont

have super powers, they use

their own intelligence and

strength to accomplish their

plans usually some distort-

ed view of social justice. This

makes the plot and storyline

realistic because the villain

isnt trying to take over or

destroy the world; hes trying

to change it.The Dark Knight Rises

deals with timely, real-life

issues. For example, the whole

concept of lower class

Documents

221657_1345202888August 22, 2012 Z3_low rez