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Road trips are a staple of

autumn for many

motorists. Fall foliage

and moderate temperatures

make the months of September

and October ideal months to

hit the open road for weekend

getaways.

Fall road trips rarely take

drivers too far away from home,

but traveling can still be costly.

Fortunately, there are many

ways to make road trips more

affordable without sacrificing

fun.

Explore alternatives to

more traditional lodging. If

your road trip includes an

overnight stay, consider alter-

natives to traditional lodging.

Hotels might stretch your

budget, but depending on

where you plan to go, you

might have some less tradition-

al alternatives. Airbnb.com

allows homeowners and even

some apartment dwellers to

rent their homes and apart-

ments to travelers, and these

listings may pale in comparison

to rates offered by nearby

hotels. If weather permits, look

for local campsites and spend

your nights sleeping outdoors

under the autumn stars. If you

prefer hotels, look for deals on

sites like Priceline.com or

Hotwire.com, which may offer

heavy discounts on rooms.

Take steps to conserve

fuel. Lodging might prove your

biggest expense on a fall road

trip, but fuel likely won’t be too

far behind. Drivers can cut fuel

costs in several ways. Before

beginning your trip, take your

car in for a tune-up so any

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

September 16, 2015

Zone 3, Vol. 13, No. 17

We are a Family, Friendly Publication

Enjoy a frugal fall road tripSee TireTech

Inside Back Cover

continued on page 30

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visit our website at www.lifeandleisurenj.com September 16, 2015Page 2, Zone 3

NOTE: To have your group’s announce-

ment appear in Community Happenings,

please e-mail your paragraph to

[email protected].

SEPT 17

•Stroke Prevention on Thursday,

September 17 at 1pm. Lynn Squillacote,

MSN, RN, and Stroke Coordinator at

Chilton Medical Center, will discuss not

only the warning signs, symptoms and

risks of stroke, but also new methods of

diagnosis and drugs for prompt emer-

gency treatment which could mean the

difference between life and death. For

more information, call the library at

973-835-5044 or check our website

and register online at www.riverdale

library.org.

SEPT 18

•Butler Public Library will hold a Family

Movie Night, now showing, new release

animated film, Cinderella, Rated PG

(105 minutes) on Friday, September 18

from 7-8:45pm. Come watch the movie

on our New 70” Flat Screen TV, pur-

chased by The Friends of the Butler

Public Library. Program is open to all

ages. Call 973-838-3262, to reserve

your seat. Butler Public Library is locat-

ed at 1 Ace Road, behind the municipal

building, on the internet at www.butler

library.org, or by phone 973-838-

3262.

SEPT 21

•Family Promise of Passaic County has

partnered with Black Bear Golf Club to

provide a crisp autumn day of golfing,

and a buffet dinner. Monday,

September 21 will be our third annual

golf outing to help us fulfill our motto of

building community, strengthening lives

and keeping families together. Join us

for a fun day of golf, food, and prizes,

and help us serve the homeless families

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

Lincoln Park, NJ 07035 i 973.696.8008

Publisher: Joe Pellegrino i Editor: Bethanne Pellegrino i Administrative Assistant: Janice McCullen i Art Director: Robin Banta

Sales: Lisa Buniewski, George Papendick, Cristina Sidoti, Kathleen Todd,Denise Wirsing

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.

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visit our website at www.lifeandleisurenj.comSeptember 16, 2015 Zone 3, Page 3

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Category I: Some peo-

ple believe that writ-

ten in some big book

somewhere, all Americans are

entitled to a retirement free of

financial stress and worry.

There are no prerequisites, laws

or rules listed in their financial

planning bible that ensure this

stress-free retirement, like liv-

ing below one’s means for

decades to generate and invest

the funds necessary to become

financially independent, or the

requirement to secure an edu-

cation in financial manage-

ment. No, these folks are either

hoping that manna from heav-

en will fall from the sky, specif-

ically on their roof. They bask

in the power of the voting

booth, voting for the systemat-

ic destruction of the wealthy,those who made sacrifices and

took the risks to attain and

retain their wealth, by taxing

them into oblivion under the

rouse of “paying their fair

share.” It doesn’t matter to

Category I people that there

are not enough rich people to

tax to fulfill this objective,

even if the tax rate were 100

percent of everything they pos-

sess!

Category II: Other people just

plain ignore the facts and

responsibility for proper finan-

cial management up to and

during their own retirement. If

they don’t think about it,

either it will just take care of

itself or they’ll worry about it

when they get there, thinking

the government will bail themout and provide for them.

Category III: These folks are

waiting for, and depending on,

an inheritance to secure their

financial future.

Category IV: This employee

was terminated for lack of out-

put, a bad attitude and extreme

habitual tardiness. He was writ-

ten-up for these offensives mul-

tiple times before being termi-

nated. He immediately showed

up at the unemployment office

to file his claim, which was

summarily denied as he was

fired for cause with proof, as

evidenced by his own signature

accepting responsibility from

his quarterly reviews. One

week later he appealed the

decision and was immediately

reimbursed for the previous

week and given benefits for 99

weeks. Amazingly, he just got a

job at the exact moment his 99weeks of unemployment

checks were about to cease. He

is probably also a Category I

individual at the same time.

Category V: There is another

class of people who are practic-

ing the techniques, fundamen-

tals and strategies of wealth

accumulation for a successful

financial future. They have

learned what to do and practice

it every paycheck and more.

They consistently engage in

self-talk, debating wants vs.

needs. They spend less to save

and invest more. They are

focused on winning the money

game and the game of life, of

which we are all participants.

These people are task-driven

and will at the very least give it

their best shot — always! If there isn’t enough from their

primary paycheck to save and

invest adequately, these people

will secure a second paycheck

from a part-time job or with

the help of a spouse or a part-

ner.

Which of the five cate-

gories best describes you?

Which of the five categories

would you most like to resem-

ble? This should be a rhetorical

question, but shamefully, it is

not.

I used to believe that most

people agreed the job should be

given to the best person, not

given to a lesser qualified can-

didate because of race, color,

creed or gender. I used to

believe that most people were

embarrassed to collect benefits

from the government, whether

it was unemployment, food

stamps, disability, housing, edu-cation, medical or any other

form of assistance. I used to

believe that the majority of

people would wish, hope and

pray for an opportunity, not a

handout. I used to believe that

America was the land of great

opportunity, where one could

stake his claim and claim his

stake.

I used to believe that our

great nation had no end in

sight. I used to believe that if I

earned my financial independ-

ence, it was mine and mine

alone. I used to believe that

America was the land of the

free and home of the brave

with outstretched arms for all

those willing to work and fight

for the opportunity to be a suc-

cess, and who had a responsibleparty to sponsor them in case of

sub-par results.

I used to believe that

Americans were the biggest

givers and donors to charity,

not recipients of charity. I used

to believe that America was

the land of opportunity, not the

land of entitlement. I used to

believe that America was the

most feared and respected

nation on the planet, for if any

nation were to compromise the

sanctity of another, we would

use the threat of our great mili-

tary might, along with our eco-

nomic prowess, to assuage the

aggressor into submission.

I used to be a very proud

American citizen, but lately my

pride has been tarnished by

both the actions and inactions

of our government. I used to

believe it was an honor to be a

politician, representing andvoting on behalf of your con-

stituents’ ideas and ideals, not

to vote yourself a pay raise and

a superior health plan over the

people you serve.

I used to believe in a

bright, idyllic future for my

children, not marred by pover-

ty, violence and crime — one

where they could strive to be

financially independent; yet

upon closer examination I find

that my generation was the last

generation to have greater

opportunities than their par-

ents. I used to believe that all

great innovations and inven-

tions were first theorized then

produced here in America, but

those days are now merely a

memory.

I used to believe in a fed-

eral government balance sheet

with debits, credits and

accountability, but a $18.5 tril-

lion deficit has made general

accounting principles impossi-

ble to follow now. I used to

believe in a day’s labor for a

day’s pay and that charitable

organizations were created to

help charity needing recipi-

ents, not the federal or state

governments. I used to believe

that the government would

incentivize businesses to create

jobs and not become the largest

employer in NJ and in the

USA!

I used to believe that a

dollar and a dream meant start-

ing a business for yourself, not

the illusion of winning the lot-

tery. I used to believe that if I

were sick, I could choose my

own doctor and hospital, paid

for by my own health insuranceplan that I paid for by my

choice. I used to believe that

Air Force One was for the

President’s use, not for the first

Lady, without him, to travel

across the world spending $10

million on vacations and dress-

es, especially when there are

Americans who are starving

and out of work.

I used to believe — and

still do — that we can improve

and repair our country’s ail-

ments before it’s too late. I used

to believe — and still do —

that individuals can become

financially independent and

afford to retire with great

promise. I used to believe —

and still do — that together we

can overcome our partisan dif-

ferences for the greater good,firstly by gaining some fiscal

responsibility in Washington,

reducing then eliminating the

deficit without increasing

taxes. I believe that my chil-

dren together with yours can

make America great again,

where our flag will regain the

prestige and pride it once had,

making Americans the envy of

the world.

Please be a Category V

individual and family, leading

the cause that retirement is not

an entitlement. It is a goal

requiring sacrifices and work

that each of us must accom-

plish for ourselves!

Mark E. Charnet, CAS, is Pres-ident and Founder of American

Prosperity Group. APG is the

Premier Retirement and Estate

Planning Franchise in the United

States with 19 offices in 10

states. Mr. Charnet has over 33

years of experience in the Retire-

ment and Estate Planning fields.

Creator of the Trinity Method of

Investing©, Mark encourages

your inquiries and can be reached

at: 973-831-4424 or via email,

[email protected] Check

out our website:

www.1APG.com Interested in a

career in retirement and estate

planning? Check out this website:

www.APGFranchise.com Secu-

rities through: United Planners

Financial Services, A limited

partnership. Member SIPC,

FINRA and a Registered Invest-

ment Advisor. APG is located at:901 Route 23 South 2nd floor,

Pompton Plains, NJ in the

Lakeland Bank and

PediatriCare building.

Is retirement an entitlement? By Mark Charnet

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of Passaic County. All proceeds benefit

the homeless parents and children of

Family Promise of Passaic County. For

information call Ken Tanis at

201-310-1832 or email at [email protected].

SEPT 24

•Come decorate a small cake on

Thursday, September 24 from 6-7:30

pm. Learn how to color and use fon-

dant to decorate a cake. All materials

will be prov ided. Conta ins glute n,

wheat, eggs, dairy, etc., and were

baked in a kitchen with tree nuts,

peanuts, and other allergens. This free

program is limited to 15 participants.Please call 973-838-3262, or stop by

the Front Desk to sign up. Butler Public

Library is located at 1 Ace Road,

behind the municipal building, on the

internet atwww.butlerlibrary.org, or by

phone 973-838-3262.

SEPT 25

•Shepherd’s Haven, an adult day cen-

ter, is hosting “La Notte Italiana” on

Friday, September 25 beginning at 6pm

in Christ Church Parish Hall, 400

Ramapo Ave, Pompton Lakes.Attendees will feast on local Italian cui-

sine, many items donated by local

restaurants and businesses. Music pro-

vided by Bob Leive, a member of the

Wooster Street Trolley Band. $25

• Power, quiet & lightweight• Cleans carpet & bare floors• 2-Motor System

• Soft Grip Looped Handle• Telescopic Handle• Motorized Brushroll• No-tip/Anti-clog• Tools-on-Board• Power - 12 amps• Cord Length - 20ft.

REG. $110.99

Hoover Steamer

Sale $ 199 99

• 12 amps• 5 Spin Scrub Brushes• On-Board Powered Hand Tool

for Stairs & Upholstery• 24’ Cord • 1 Year Warranty

REG. $219.99

PanasonicCan

• 12 Amp Motor • Quick Release Handle• On Board Tools

REG. $359.00

Conveniently Located On Route 23 South At 615 Route 23 Pompton Plains

973-839-5666Hours: Mon. - Fri. 9:00 a.m. - 5:00 p.m., Sat. 9:30 a.m. - 4:00 p.m.

Since 1976

Sale $ 129 99

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Buy 2 Packages of SameType Bags (3 pack size only) & Get1 Pack of the Same Size FREE

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• 1400 Watt motor • Convenient for carpets & hard floors• Lightweight, compact design• Deluxe on board accessories• Metal telescope wand• 2 Year Warranty

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REG. $179.99 REG. $259.99

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EurekaCordless Brush Vac

Before You Visit Those “Super-Stores” Try Us!

Authorized Service

Center & Dealer For Most Major Brands

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50 Boonton Ave. • Butler

973-838-1656 • [email protected]

Ask Us About Our NEW

Maintenance Program

$2995Oil Change & Rotate Tires

MAINTENANCE SPECIAL

Most cars. With this ad.Not to be combined w/any other offers.

Exp. 10/15/2015. LL

NEW CLIENTS ONLY. Most cars. With this ad.Not to be combined w/any other offers.

Exp. 10/15/2015. LL

• Belts & Hoses• Check Wiper Blades

• Fluid Levels

• Low Test Battery

• Brakes

• Suspension• Charging System

• Tires

• Filters

• Battery

Check:

Community Happenings

continued from page 2

continued on page 9

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According to the U.S.

Department of

Health and Human

Services, nearly 70% of peo-

ple turning age 65 will requirelong-term care, such as assis-

tance with basic personal

activities during their life-

times. With costs of this care

ranging from $6,000 to

$10,000 a month or more,

planning to address that risk is

a smart move.

One solution is long-

term care insurance. A policy

can protect your estate againstthe impact of extended med-

ical or rehabilitation services.

However, the cost of insur-

ance may have you consider-

ing “taking your chances” and

letting Medicare or Medicaid

step in once your resources are

depleted. But what happens

when either you or your

spouse requires nursing home

care while the other is healthyand living independently?

Purchasing long-term

care insurance has drawbacks.

For one, if you never need

long-term care, the premiums

you paid are wasted. You may

be able to mitigate this some-

what by choosing a flexible

policy with life insurance ben-

efits.

Another drawback: Youface the risk that the insur-

ance company you select will

go out of business. Choosing

an insurer that is highly rated

for financial strength can ease

your mind.

On the plus side, long-

term care insurance offers tax

benefits. When you itemize,

all or part of the premium for

qualified plans are deductibleas health care costs.

Depending on the type of pol-

icy you buy, benefits paid are

generally not considered tax-

able income.

If you think long-term

care insurance is right for you,

remember that coverage costs

less when you’re younger.

Premiums are based on your

age and health, and tend to

increase past age 60. Another

cost-saving move to consider

is a “shared-care” policy with

a combined pool of coverage

that you and your spouse

share.

Contact our office before

making the final decision to

buy long-term care insurance.

We’ll help you do a cost-ben-

efit analysis.


Plan today for future long-term care costs

continued on next page

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pp/BYOB. Tickets/info call center at

973-835-4747 or church 973-835-

2207.

SEPT 26•Excel for Beginners Class at Butler

Library on Saturday, September 26

from 10:15am-12:15pm, presented by

Paul Pilmanis. An intro to the world’s

most popular spreadsheet program.

Topics covered will include: working with

Excel windows, worksheets and work-

books, finding help, entering labels and

values, saving and opening workbooks,

formatting and basic charting. This free

program is limited to 10 participants -

call 973-838-3262, or stop by theButler Library to register in advance.

Butler Public Library is located at 1 Ace

Road, behind the municipal building, on

the internet at www.butlerlibrary.org or

by phone 973-838-3262.

Robert P. Sokoloff and Associ-

ates, PC, is a year round fullservice 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.


Plan today forfuture long-termcare costscontinued from previous page

To Advertise in Life & Leisure

Call 973-696-8008




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According to the

American Society

for the Prevention

of Cruelty to Animals,

indoor cats rarely need baths.

That’s because indoor cats

use their tongues and teeth

to stay relatively clean.

While cats can benefit from

routine brushing, which can

reduce shedding and cut

back on hairballs, the bath

tub is a place cats need not

visit regularly.

But sometimes cats find

themselves in sticky situa-

tions that dirty their coats

and give them a less than

agreeable odor. In such

instances, a bath may be the

only way to clean up your

cat. Cat owners concerned

about bathing cats can con-

sider the following tips, cour-

tesy of the ASPCA.

Trim the claws. Cats are

unlikely to find a bathtub

comfortable, so cat owners

should expect them to resist.

Owners can protect them-

selves from such resistance

by trimming their cat’s claws

prior to bath time.

Brush your cat’s hair.

Matted hair can be a nui-

sance come bath time, and

that can translate into a

lengthier bath that will try

the patience of cat and

owner alike. Just before bath

time, brush your cat’s hair to

loosen any matted areas.

Once hair has been brushed,

gently insert some cotton

into your cat’s ears to prevent

water from getting inside

them.

Choose the right time.

Mellow or tired cats are less

likely to resist a bath than

well-rested cats with lots of

energy, so choose a time of

day when your cat is typical-

ly mellow to give the animal

its bath. Allow the cat to

play with some toys prior to

bath time so he or she grows

a little tired.

Use a bath mat. Cats

likely won’t be comfortable

in the tub or sink, and that

comfort level is only further

compromised if they are slip-

ping around. Use a bath mat

so your cat is not slipping

and sliding.

Use lukewarm water.

When bathing your cat, use

only lukewarm water. Get

your frisky friend wet in

three to four inches of water

before gently massaging a

solution that is one part cat

shampoo and five parts water

into his or her hair. Massage

in the direction of the hair

Brought to you byDr. Matthew Krupnick,the owner of Pequannock Animal Hospital

What to do when your cat needs a bath


Dr. Matthew Krupnick, D.V.M.

591 Newark Pompton TurnpikePompton Plains, NJ

973.616.0400• Full Service Animal Hospital,

Specializing in Cats & Dogs

• Complete Medical, Dental &

Surgical Services On Premises

• Caring & Competent Staff

“WHERE YOUR PET IS FAMILY”

FREE ExamNEW CLIENTS ONLY.

Limit 1 per pet. Not to be combined w/other offers.Expires 10/15/15.

15% OFFExam Fee

ONE TIME ONLY. Limit 1 per pet.Not to be combined w/other offers. Expires 10/15/15.

PequannockVeterinarian.com

O p e n S a t u r d a y s

Hours: Mon 8-6pm • Tues 8-4pmWed 8-7pm • Thurs 8-6pm • Fri 8-5pm • Sat 8-12pm

continued on next page

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growth and do not use

human shampoo, which can

dry out cats’ skin. When the

time comes to rinse the soap,

once again gently use luke-

warm water, taking caution

to avoid getting soap and

water into your cat’s eyes,

ears and nose. Make sure

there is no remaining sham-

poo residue, which can irri-

tate the skin and attract

more dirt.

Dry your cat off. Long-

hair cats may need their fur

to be untangled with wide-

toothed combs. Short-hairs

can be dried in a warm place

with a large towel wrapped

around their bodies. Some

cats may be comfortable if

you use a hair dryer set on

the lowest heat setting to dry

them off, but don’t push it if

your cat is not responding

well to the hair dryer.

Dr. Matthew Krupnick is the

owner of the Pequannock

Animal Hospital. He grew up

in Kinnelon and is happy to be

home – with his wife, three

cats, and two dogs – to provide

quality and compassionate care

for pets in the community.

The Pequannock Animal

Hospital is located at

591 Newark Pompton Turn-

pike in Pompton Plains. You

can reach the hospital by call-

ing 973-616-0400.

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and his Associates offer eyecare for the entire family

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What to do when your cat needs a bath

continued from previous pageYeah, I don’tthink so...

I got this baththing covered!

Photo courtesy of

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School is not always easy,

and some students strug-

gle as they transition

from grade to grade. As stu-

dents get older, some who may

have experienced smooth sail-

ing as youngsters may find they

need some extra help grasping

the material as coursework

becomes more complicated.

Those who need some

extra clarification and rein-

forcement may first turn to

their parents. But parents may

not be familiar with certain

subjects or capable of explain-

ing certain concepts in terms

kids can understand. In such

situations, tutors can prove to

be valuable resources to get

kids back on the right academ-

ic track.

One-on-one attention

from a tutor can benefit all

types of learners. Students who

discover newfound success

under the guidance of a tutor

may have more self-confidence

in the classroom. Parents won-

dering if a tutor can help their

children may want to considerthe following indicators that

students may need tutors.

Consistently falling grades:

Tutors may be necessary for

students whose grades are

gradually on the decline. First

speak with your child’s teach-

ers, who may recommend

tutors that specialize in cer-

tain subjects.

Confusion in and out of the

classroom: Some kids struggle

to grasp certain concepts, and

such confusion can sometimes

be remedied with the kind of

intense study available in

tutoring sessions.

Low confidence: Some kids’

confidence wanes when their

grades suffer. Kids whose gradeshave been on the decline may

feel a sense of defeat even

before they take a test or work

on an assignment. Tutors can

help restore confidence by cre-

ating small victories that slow-

ly build up to larger successes.

Indifference to coursework:

No student will be captivated

by every subject he or she stud-

ies, but there should be some

subjects that students find

engaging. Students battling

indifference toward their

coursework may benefit from a

dynamic tutor who can present

subject matter in new ways and

revive students’ interest.

Students who are strug-

gling in the classroom mayneed some extra help outside

the classroom, and many tutors

are adept at reviving interest in

subjects kids are studying

at school. Some teachers may

recommend certain tutors,

while others may do some

tutoring work themselves.


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Gentle Private-Practice Dentist • CEREC ® - Crowns in One Visit

Drill-less Dentistry • Galileos 3D Digital Imaging

Emergencies and New Patients Welcome

Care Credit Financing Available

Welcome New PatientsOnly $95

Includes Cleaning, Exam, Complete Setof X-Rays and Oral Cancer ScreeningCash Only or Your Insurance May Cover

at Usual and Customary Fees.

Trusting,Caring& AffordableDental Care

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Convenient Early Morning and Late Evening Hours Available

Dawn La Viola-Schaub - Artistic Director

WE OFFER A LARGE VARIETY OF DANCE Ballet • Tap • All Boy Hip Hop • Jazz • Lyrical • Contemporary • Modern • Hip Hop

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SEPT 30

•Write Your Best College Essay on

Wednesday, September 30 from 7-

8:30pm. College Coaching with Care

presents a workshop for high school

students and their parents on writing

those important college essays. You

will learn how to create successfu l

essays that reflect your best attributes

and true passions, as well as practical

methods to help you master the writ-

ing process and convey the unique

qualities you bring to any school. For

more information, call the library at

973-835-5044 or check our website

and register online at www.riverdale

library.org.

OCT 17

•The Pompton Lakes Reformed Church,

59 Hamburg Turnpike, will be

hosting their annual Autumn fest on

October 17 from 10am-4pm. This will

take place rain or shine. We have

approximately 50 vendors and crafters,

a delicious luncheon, a homemade bak-

ery with many delicious items such as

pies and breads, and we have a farm

stand. For the children there are games,

art activities, and face painting. They will also enjoy popcorn and cotton

candy. You also have a chance to win

freegift baskets. There is something for

everyone. We hope you can join us for

a great time.

Around the

Community…

•Elder Exercise Classes at Butler Public

Library. Join us anytime on Mondays,

September 14- November 2 from

10:30-11:15am for exercises focused

on stretching and moving while in a

chair with Dana Jacko, Exercise

Instructor for just $5 a class. Call 973-

838-3262 or stop by to sign up. Butler

Public Library is located at 1 Ace Road,

behind the municipal building,

www.bu tlerl ibra ry.org or by phon e

973-838-3262.•Bereavement Support Group meets

on the third Wednesday every month

from 6:45-7:45pm at Butler Public

Library, 1 Ace Road. The group is led

by Lea Shupp, author of “No One

Hears Me Crying,” a non-fiction book

about dealing with the loss of a loved

one. Lea will speak from personal

experience with anyone dealing with a

similar situation. Please call 973-838-

3262 or stop by the library to sign up

each month at www.butlerlibrary.org.

•The Kinnelon Senior Citizens Club is

seeking new members age 60 and

over. The club meets the 2nd and 4th

Thur sday of each mont h at the

Kinnelon Municipal Building, 130

Kinnelon Road, second floor meeting

room #2. The meeting starts 1 pm fol-

lowed by refreshments and Bingo. For

more information, call Elaine 973-838-2045 Joan 973-492-2631 or

Barbara 973-697-4134 or attend a

meeting. We welcome new members.

•Butler Library card holders can

check-out Free Museum Passes with

$30 cash deposit which will be

returned when the passes are

returned. We have passes for: The




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Friendly, Caring, Gentle Atmosphere

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is located at 65 Main Street in Bloomingdale.

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HOURS: Monday - Saturday 8am-6pm • Closed Sunday for church and family

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• DAILY LUNCH

BUFFET Only $6.95& Full Menu with Specials

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Clean eating is a grow-ing trend among peo-

ple focused on health

and wellness. A relatively sim-

ple concept of selecting foods

that are minimally processed,

clean eating intends to instill a

greater understanding of the

pathway between a food’s ori-

gins and the final products

that end up on grocery store

shelves and dinner tables.

Choosing whole or “real”foods that are as close to their

natural forms as possible is a

staple of clean eating. The

availability of convenience

food products has never been

greater, and not all packaged

foods are unhealthy. But clean

eating encourages consumers

to be more aware of the ingre-

dients in the foods they eatwhile selecting those foods

that are minimally processed.

Many foods designated as

“clean,” including vegetables

and fruits, whole grains, free-

range meats, low-fat dairy

products, unsalted nuts, and

whole seeds, are straight from

the farm.

Another component of

clean eating is eliminating or

greatly reducing the consump-tion of refined sugar. Many

health experts advise that

refined sugar is a large con-

tributor to unnecessary calo-

ries. Many people can get all

the energy they need by con-

suming foods with natural

sugars.

If an ingredient list

includes names you cannotrecognize or if the natural

form of the food has been

changed (i.e. removing the

bran from whole grains), it

cannot be included in a clean-

eating plan. Also, foods that

have a lot of additives, includ-

ing salt, sugar and fat, are not

classified as clean.

Jessica Fanzo, assistant

professor of nutrition at

Columbia University, advisesthat not all food processing is

bad. Processing is sometimes

necessary to prevent

pathogens that can lead to ill-

ness. For example, pasteuriz-

ing milk is a processing

method, but one that is neces-

sary to stop the proliferation

of bacteria. Even steaming

foods is processing in someform, but it is not on par with

some of the overly processed

foods available.

The benefits to clean eat-

ing are numerous. Increasing

intake of fruits and vegetables

can boost your immune system

and serve as a nutritious way

to maintain a healthy weight.

Clean eating may help you

become more conscious of

everything from meal ingredi-ents to portion sizes.

Those interested in clean

eating can begin slowly. Start

to introduce more fresh fruits,

vegetables, legumes, nuts, and

farm-fresh foods into your diet.

Look for foods in their natural

form, such as whole oats and

other grains. Avoid highly

refined ingredients and limitsugar and salt intake. Opt for

fresh herbs and spices to sea-

son food. Over time you can

make other changes.

Adopting a clean-eating

approach to their diet is a

great way for men and womento start living healthy

lifestyles. Speak with a doctor

or nutritionist about healthy

and effective ways to transi-

tion to clean eating


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i i b i lif dl i jS b 16 2015 Z 3 P 21

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Animal Exclusion (Holes/Openings)

CarpentryCaulking/Grouting

Ceiling Tile InstallationCement Patching

Chimney CapsCleanouts (Attic/Basement/Home/

Office/Shed/Warehouse) Crown Molding

Decks (Cleaning/Installation/ Repair/Sealing)

Dropped Ceiling Installation

Drywall/Plaster RepairsFascia/Soffit Repair

Fence Installation/RepairFinishing Work

Home/Business ImprovementInsulation InstallationMiscellaneous Repairs

Molding/Trim WorkOdd Jobs

Painting (Interior/Exterior)

Power Washing

Replace Termite Infested WoodRubbish Removal

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Full Drainage SystemsSump Pumps • Drywells

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Drivers who travel between the United States

and Canada or plan on renting a car for an

international business trip or vacation should

understand that driving rules vary from coun-

try to country. One noticeable difference is

the side of the road vehicles travel on, as well

as the measurement system used for calcu-

lating speed and distance. Although

speedometers will often feature both mph

(miles per hour) and kph (kilometers perhour), it helps to have a rough idea of the

conversion between the two speed measurements. Every mile per hour in speed trans-

lates to roughly 1.7 kilometers per hour. Therefore, if the posted speed limit is 55 mph in

the United States, expect to travel at 88.5 kph in Canada. Always heed speed limit post-

ings and regularly check your vehicle’s speedometer to ensure you are driving at or below

the legal limit. Traffic offenses that might be tolerated in one country may not be toler-

ated across the border, so always obey the local laws when behind the wheel.

Did you know?

visit our website at www lifeandleisurenj comSeptember 16 2015 Zone 3 Page 23

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Leaves cascading down

from trees indicate the

arrival of autumn.

However, colorful and awe-

inspiring autumn leaves can

be a hazard if left to lie on

the ground too long.

Fallen leaves form a

dense insulator to protect

trees’ roots and prevent com-

peting plants from growing.

Decomposing leaves also

provide nutrients for thetree. But wet leaves can be a

safety hazard and leaves left

on the lawn through the

winter can pose a threat to

the grass. These are just a

couple of reasons why so

much effort is placed on leaf

clean-up in the fall. The fol-

lowing are some creative

ways to recycle leaves

that fall from your trees in

the weeks to come.

Mulch: Shredded leaves can

make for a great amendment

to fertilizer for garden beds

and even the lawn. Leaves

lying on the grass can be

mulched into small pieces

with a mulching mower so

they don’t choke the blades

of grass. Leaves also can be

broken down with a string

trimmer, a leaf blower that

has a vacuum function or a

commercial shredder/chip-

per. Add the shredded leaves

to a compost pile or use them

to fill container plants before

adding regular potting soil.

Insulation: Collect leaves to

mound over delicate peren-

nial plants and shrubs. Theleaves will add more warmth

to the soil and may help

plants make it through harsh

winters. Just remove the

leaves slowly when spring

arrives so that the soil under-

neath can get the sunlight

and water it needs to thrive.

Leave some leaves in the

yard so that animals can use

them as nesting material and

line their dens for the winter.

Stuffing: Create whimsical

scarecrows as part of your

autumn decoration scheme.

Gather older clothes that

you no longer use and stuff

the sleeves of shirts and the

legs of pants with leaves,

which are less expensive and

easier to come by than straw.


Hours: Mon.-Thurs. 7-6, Fri. 7-7, Sat. 8-4, Sun. 9-12

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Creative ways to recycle leaves



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Doug Radford, President

of Realty Executives

New Jersey is pleased

to announce that Lindsey Kehr

has joined Realty Executives asa Sales Associate in the

Pompton Plains office and as

the company’s Director of

Business Development. “We

are extremely fortunate to have

Lindsey join our team. Lindsey

is not only a top producing area

Realtor®, but she also brings a

wealth of sales and marketing

knowledge to our company,

which will be extremely benefi-

cial in the continued growth of

our brand.” states Radford.

“Since affiliating with Realty

Executives International in

2009, our company has grown

to approximately 275

Realtors® in New Jersey. Our

goal is to continue our brand

expansion with both new bro-

kerage offices as well as addi-

tional franchise offices withLindsey’s assistance.”

Formerly an Assistant

Manager with Weichert

Realtors® in Wayne, Lindsey

has over eight year of real

estate industry experience.

Prior to her real estate career,

Lindsey spent four years as an

executive with retail giant

Target. As a Realtor®,

Lindsey has achieved numer-

ous awards and designations.

A New Jersey Monthly

Magazine Five Star Realtor®

Professional Award recipient

in 2012, 2014 and 2015,

Lindsey is an active member

of the Passaic County Board

of Realtors where she has

been serving on the Board of

Directors since 2011. She is a

past Chairperson of theBoard’s Social and

Entertainment Committee,

2010-2011; the Realtor®

Assistance Committee, 2009-

2010 and the Social and

Entertainment Committee,

2008-2011. Lindsey has

industry certifications as a

Short Sale & Foreclosure

Resource (SFR), Brokers Price

Opinion Resource (BPOR),

and is an Accredited Buyers

Representative (ABR) in

which she is an active mem-

ber of the Real Estate Buyers

Counsel (REBAC).

According to Lindsey,

“Delivering the highest level

of service for every client is

most important to me. I

joined Realty Executives

because I will be able to dojust that. Realty Executives is

a forward thinking real estate

company which provides the

cutting edge marketing sys-

tems designed to keep our

clients at the forefront of

today’s real estate trends while

providing the highest level of

service. I am really excited to

be a part of this dynamic com-

pany!”

Originally from Montana,

Lindsey, her husband Anthony

and their three year old son

reside in Butler. Through her

involvement with the Passaic

County Board of Realtors

Lindsey has become an active

volunteer with CUMAC,

assisting those in need. Living

in New Jersey for the past 10

years, Lindsey serves Passaic,Morris, Essex and Bergen

Counties specializing in resi-

dential listings and sales.

Lindsey can be reached direct-

ly at 973-296-1379 (c), 973-

305-5800 (o) or via the com-

pany website www.Realty

Executives.com.

Lindsey Kehr joins Realty Executives

visit our website at www.lifeandleisurenj.com p ,g ,

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jp g

©2015 CENTURY 21 REAL ESTATE LLC. C ENTURY 21® is a trademar k licensed to C entury 21 Real Esta te LLC. An Equal Opportu nity Company. Equal Housing Opp ortunity. Each offic e is independentl y owned and oper ated.All information deemed reliable but not guaranteed. Prices subject to change. If your property is currently listed with a real estate broker please disregard this offer.

Call today for a complimentary Mortgage Pre-approvaland know your buying power

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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 September 4, 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.

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$1,042 PER MONTH

WEST MILFORD $249,900NEWLY LISTED!

3 BR, 1.1 BA, 1 CAR DET GAR.3.875/3.994 % APR$940 PER MONTH

TOTOWA $359,900NEWLY LISTED!

3 BR, 2.1 BA, 1 CAR GAR.3.875/3.963 %APR

$1,354 PER MONTH

POMPTON LAKES $319,900NEWLY LISTED!

2 BR, 2.1 BA, 1 CAR GAR.3.875/3.972% APR

$1,203 PER MONTH

VERNON $259,800NEWLY LISTED!

3 BR, 2 BA, 2 CAR GAR.3.875/3.980 % APR

$1,090 PER MONTH

BUTLER $299,900CHARMING COLONIAL!

3 BR, 1.1 BA.3.875/3.977 % APR

$1,128 PER MONTH

CLIFTON $319,900CONVENIENT LOCATION!

4 BR, 2 BA, 1 CAR GAR.3.875/3.972 % APR

$1,203 PER MONTH

LINCOLN PARK $1,295,000ELEGANT CUSTOM HOME!

5 BR, 5.2 BA, 3 CAR GAR & 4 CARDET GAR. 3.75/3.785 % APR

$4,798 PER MONTH

KINNELON $577,000PRICE REDUCED!

4 BR, 2.1 BA.3.875/3.936 % APR

$2,171 PER MONTH

MONTVILLE $379,000PARK LIKE SETTING!

3 BR, 1.1 BA.3.875/3.959 5 APR

$1,426 PER MONTH

PEQUANNOCK $399,900CLOSE TO PARK!

3 BR, 1.1 BA.3.875/3.956 %APR

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POMPTON LAKES $285,000OPEN FLOOR PLAN!

3 BR, 1.1 BA, 1 CAR GAR.3.875/3.982 % APR

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POMPTON LAKES $285,000MOVE IN READY!

4/5 BR, 2 BA, 1 CAR GAR3.875/3.982 % APR

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POMPTON LAKES $300,000GOLD COAST RANCH!

4 BR, 3 BA, 2 CAR GAR.3.875/3.977 % APR

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POMPTON PLAINS $689,000NORTH END CUL-DE-SAC!

4 BR, 3 BA, 2 CAR HEATED GAR3.875/3.929 % APR$2,592 PER MONTH

POMPTON PLAINS $725,000RENOVATED NEW COLONIAL!

4 BR, 2.1 BA, 2 CAR GAR.3.875/3.927 % APR$2,727 PER MONTH

RINGWOOD $319,999CUPSAW LAKE CAPE!

4 BR, 2 BA.3.875/3.972 % APR$1,204 PER MONTH

SPARTA $598,000CUSTOM HOME & GUEST HOUSE!

4 BR, 4 BA, 2 CAR GAR.3.875/3.934 % APR$1,350 PER MONTH

WAYNE $285,000PLENTY OF UPGRADES!

3 BR, 1 BA, 1 CAR GAR.3.875/3.982 % APR$1,072 PER MONTH

WEST MILFORD $459,90013+ ACRES!


POMPTON PLAINS $399,000CUSTOM CAPE!



8/20/2019 221657_1441978358Sept 16 2015 Z3 LR.pdf

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Intrepid Sea, Air & Space Museum, The

Morris Museum and Grounds for

Sculptures. Plan your trip and come

check one out soon. For more info

check: www.butlerlibrary.org/muse

um-passes/. Butler Public Library is

located at 1 Ace Road, behind the

municipal building, on the internet at

www.butl erlibra ry.org, or by phone

973-838-3262.

•The Reformed Church in Kinnelon

announces Precious Playtime, monthly

Saturday evening babysitting for fam-

ilies of children with disabilities. For

detailed information regarding the

babysitters qualifications and the pro-

gram specifics call 973-838-3113 or

www.reformed churchkin nelon.org.

•Butler Library presents Kid’s Book

Clubs. Jr. Book Club meets Mondays at

5pm for ages 5-8, and at 6:30pm for

ages 8-12. We read and discuss a

story together. The sessions run

throughout the year. Each child

receives a free copy of the book.

Parents are required to remain in the

Library during the program. Visit our

website www.butlerl ibrary.org or call

973-838-3262.•The Circle of Friendship, a non-

denominational support group for the

separated and divorced, meets at

7:30pm on the first and third

Thursday s each month at St. Mary’s

Church, 17 Pompton Ave. Pompton

Lakes. For information call the parish

at 973-835-0374.

•The Pompton Lakes Republican Club

holds public monthly meetings every

third Thursday, at the VFW Post 2906,

Wanaque Avenue. Participate ininformative meetings, community out-

reach, youth scholarships and social

activities. Questions? Call 973-835-

4025 or email [email protected].

[email protected]

NJ CIRCLE OF EXCELLENCE 2002-2014Consistent

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CALL MARIA at973-986-6914 Cell

for CURRENT MARKET VALUEOF YOUR HOME

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Community Happeningscontinued from page 14

To Advertise in Life & Leisure

Call 973-696-8008


8/20/2019 221657_1441978358Sept 16 2015 Z3 LR.pdf

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Selling a home can be

exciting. Homeowners

who made considerable

financial commitments when

buying their homes may be

anxious when the time comes

to get returns on their invest-

ments, but selling a home need

not be so nerve-racking.

Buyers’ tastes often dic-

tate their interest in a home.

For example, no matter how

immaculate homeowners maykeep their colonials, such

homes won’t appeal much to

buyers looking for a traditional

Cape Cod cottage-style home.

But while you might not be

able to change your home’s

architecture to appeal to the

masses, there are steps you can

take to make your home more

appealing to buyers whose

dream home more closely

resembles your own.

Address curb appeal.

Curb appeal goes a long way

toward creating a lasting first

impression, so homeowners

can start by driving up to their

homes and looking at them

through the eyes of prospective

buyers. Address the landscape

if it needs some TLC, and

power wash siding if it’s appear-ing a little dirty. Examine your

driveway for cracks and consid-

er installing a new surface if the

existing one is more of an eye-

sore than eye-catching. Finally,

clear the yard of toys and tools

before nailing the “For Sale”

sign into the ground, as a clut-

tered yard will give buyers the

impression that you did not pri-

oritize keeping a clean and pre-

sentable home.

Clear out the clutter.

Some sellers stage their homes

when putting them up for sale.

But staging might not be an

option for sellers who are still

living in their homes and

intend to do so until they find

buyers. If you can’t stage your

home, then do your best to

remove clutter, including extrapieces of furniture you might

have accumulated over the

years that can make rooms

seem smaller. Box up any books

that no longer fit on book-

shelves, and try to keep com-

mon areas like family rooms,

hallways and kids’ playrooms as

open and clean as possible so

the rooms appear roomy and

relaxing.

Let the light shine in.

Dark homes are less appealing

to prospective buyers, many of

whom have no interest in liv-

ing in caves that are void of

natural sunlight. When show-

ing your home, make sure all of

the curtains are drawn and the

blinds or shades are up. If trees

or shrubs outside windows are

blocking natural light from get-ting inside, consider trimming

them so your home appears

sunnier and more inviting.

Bright homes tend to feel more

spacious, so fix any light fix-

tures that need fixing and even

add small lamps in rooms that

could use some extra light.

Tackle that to-do list. It’s

easy for a home’s resi-

dents to grow accus-

tomed to certain minor

problems, such as a

doorknob that always

sticks or a creaky

kitchen cabinet door.

But buyers might be

turned off by too many

of these minor prob-

lems and wonder if any

larger and more expen-

sive issues also wentignored. Before show-

ing your home, address

all those minor repairs

on your to-do list.

Selling a home

can be exciting, and

homeowners can take

steps to make sure their

home sale is successful and

lucrative as well.

How to prepare your home for prospective buyers

KINNELON $550,000

Smoke Rise-4BR Bi-Level on 1.53 level acres.Newer Kit. & 3Full BAs, H/W Flrs, 3 Car Gar, CozyFP, Deck. Location, Location! MLS 3227177

KINNELON $649,900

Smoke Rise-Custom 5BR/4+BA lake-viewRanch ideally set on 1.30 acres. 3FPs, dramaticbeamed cathedral ceilings. Patio. MLS 3211718

KINNELON $935,000Achieve the gracious living that comes with thisfenced 5BR/4+BA streamside Colonial nicelysited on 1.27 acres. Deck. MLS 3230646

KINNELON $675,000Follow your dream to this 4BR/2+BA homenicely set on a full acre. Security system, Gar,Community swimming pool. MLS 3249381

KINNELON $1,095,000Savor a triumphant end to your search withthis custom 5BR/3+BA Colonial sited on 2.58acres. FP. 3 Car Gar. MLS 3217885

KINNELON $1,195,000Discover for yourself the merits of this irre-sistible 5BR/4+BA home nicely sited on 2.39acres. Attractive pool. MLS 3246188

POMPTON LAKES $295,000For quiet charm, visit this 3BR/2BA Bi-Level.Cozy FP, formal dining room. Garage. Indulgeyourself in a gem! MLS 3242238

KINNELON $325,000

Count on comfort in this noteworthy 4BR/2+BAColonial positioned on 1.30 acres. Cozy FP,Master bath. Basement. MLS 3235981

KINNELON $575,000

Experience the charm of this unusual,3BR/2+BA Contemporary sited on 1.15 acres.Cozy FP, Cath Ceilings. Deck. MLS 3238519

KINNELON $580,000

Smoke Rise-Steep yourself in privacy on 1.41acres. Discover the flair of this cul-de-sac,4BR/2+BA wooded-lot Colonial. MLS 3210735

ROCKAWAY $649,0002 Bedroom Lakefront wooded-lot residencenicely set on 0.58 acres. Cozy FP, ceiling fans.2 Car Gar, Dock. MLS 3237836

BOONTON $749,900

Treat yourself with luxury in this cul-de-sac,6BR/3+BA wooded-lot Colonial. Gas FP, highceilings. Deck. MLS 3238347


8/20/2019 221657_1441978358Sept 16 2015 Z3 LR.pdf

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Use a few pieces of straw

around the neck and hand

areas of the scarecrow for visu-

al effect. Tie off with twine and

display your scarecrow.

Bedding: Chicken owners

can use fallen leaves as bed-

ding in their chicken coops.

Dry leaves also may create

more comfortable and drier

conditions for goats and

other livestock. Goats may

look to recently fallen leaves

as a nutritious food source.

Gather the leaves and let the

goats munch before you fur-ther rake and compost the

leaves.

Decorations: Natural leaves

can be used as decorations

both inside and outside a

home. String freshly fallen

leaves together and wrap

them around a grapevine

wreath for a rustic door dec-

oration. Leaves can be

placed in clear vases and put

on display for a cheap way to

showcase some autumn

color. Preserve favorite

leaves with a lamination

machine or by sealing them

between heated sheets of

waxed paper. Cut out the leaf

shapes and use for hanging

window decorations.

Recreation: Leaves have

long been favorite toys

for children, who eagerly

await jumping into large

piles of fallen leaves. Fillpaper bags with leaves and

draw a target on the front.

Let kids test their skill aim-

ing for the targets. Children

can camouflage their cloth-

ing with leaves and masking

tape and have a more intense

session of “hide and seek.”

issues that might affect fuel effi-

ciency are addressed before you

hit the open road. Poorly

inflated tires force the engine

to work harder and burn more

fuel, so make sure tire pressure

matches the levels recom-

mended in your owner’s manu-

al before embarking on your

trip and even along the way if

you feel your car is not running

as smoothly as it could be.

Another way to conserve fuel is

to remove excess items from

the trunk. If you don’t plan to

hit the links on your trip, leave

your golf clubs at home.Plot your route. Spon-

taneity may make fall road

trips more fun, but drivers

looking to save money should

plot their routes in advance so

they can avoid potentially

costly problems like detours

or road work that can waste

fuel and lead to hours sitting

in traffic. Use a GPS device

during your trip so you can be

alerted to any unexpected

developments that might cost

you time and money. Plotting

your route in advance also

allows you to find affordable

dining and lodging options

and choose roads that don’t

require drivers to pay tolls.

Invite some friends and

family along. Inviting friendsand family on a weekend get-

away can make the trip more

fun and more affordable. If you

have room in the car, inviting

friends along allows you to split

fuel costs, and you may even

save on lodging if you find a

hotel that won’t charge for

extra guests in the room.

Friends and family also can

help split the cost of supplies.

Bring your own food.

Food is another big expense

road trippers must account for.

But you can save money on

food by bringing your own

meals along on the trip.

Prepare some sandwiches the

morning that you leave and

keep them fresh in a cooler so

you don’t have to pay for

lunch. In addition, pack some

snacks so you and your passen-

gers can quickly and afford-

ably quell any hunger pangs

that arise while you’re on

the road. If you plan to stay ina place with its own kitchen,

cook your own dinners so you

don’t have to spend money

dining out.

Road trips are a staple of

autumn, when drivers can still

enjoy the open road without

Documents

221657_1441978358Sept 16 2015 Z3 LR.pdf