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An Alternative
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973-616-4555
18 Newark Pompton Tpke., Riverdale
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Zirpolo is a trustworthy guide for insurance seekers By Will Brucella
aisle they picked up the can of
chocolate. If the item was from
the ice cream toppings aisle it
was taxed. If it came from the
baking aisle it was not. Today
the barcode tells the scanner
automatically, to tax or not to
tax, that is the question. Soon,
there may be no questions to
ask as everything will be taxed.
It is my belief that
Congress is already planning to
institute an income and asset
test to determine eligibility for
Social Security payments! For
those the government believes
do not need the income, their
contributions to the system will
be reclassified as a non-
deductible, forced donation for
the greater good of society.
We might be witnessing Robin
Hood economics, as never seen
before in this nation!
With any argument there
are at least two sides and this
one is no different. Readers
are either on the receiving
line of Governmental com-
pensation or financing it. To
those who are forced to pay
more in tax so others may
receive I propose the follow-
ing strategies. Defer income
from taxation by maximizing
your currently deductible
retirement plan contributions
and investing after tax funds
into tax-deferred and tax-free
vehicles. If you have a
monthly surplus that you cur-
rently deposit in a bank or
credit union, youll need to
learn more about non-quali-
fied deferred compensation
plans that grow on a tax-
deferred basis and are accessi-
ble on a tax-free basis.
Already retired and living on
withdrawals from your portfo-
lio? Learn how to minimize
taxes while maximizing and
insuring the income stream for
the rest of your life. To discuss
this in detail involves no cost,
obligation nor commitment.
Attend our free educational
workshop in Wayne, NJ
October 9th, 10th and 11th
by calling the number below
to register or go to
www.Trinitymethod.com for a
video description of our unique
copyrighted program!
Mark E. Charnet is President
and Founder of American Pros-
perity Group. APG is the Pre-
mier Retirement and Estate
Planning Franchise in the Unit-
ed States with 18 offices in 10
states. Mr. Charnet has over
31 years of experience in the Re-
tirement and Estate Planning
fields. Mark encourages your in-
quiries and can be reached at:
800-929-3374 or 973-831-
4424 or via email, markchar-
net@1APG.com Check out our
website: www.1APG.com In-
terested in a career in retirement
and estate planning? Check out
this website:www.APGFran-
chise.com Securities through:
BCG Securities, Inc. Member
SIPC, FINRA and a Registered
Investment Advisor.
The Federal Government still doesnt
produce, make or earn any money!
continued from page 13
O
ftentimes, buying a
home opens up a bot-
tomless pit of oppor-
tunities for projects and
improvements. While some
homeowners engage in differ-
ent repairs and fix-ups out of
necessity, many others like to
freshen-up their spaces out of
personal preference instead of
need. But even the most well-
intentioned projects can be
waylaid if budgets are tight.
What many homeowners
may not realize is that there are
many ways to make updates
and changes to a home that do
not require a major overhaul or
a large price tag. The following
are seven projects that wont
break the bank.
1. Move around furniture. You
may be able to change the look
of a room without spending any
money. Interior designers know
how to arrange furniture for
maximum appeal, but the aver-
age homeowner can do it, too.
Find a focal point in the room
and angle the furniture toward
it. Dont make the focal point
the television, however. Try
changing the placement of
chairs and sofas. Simply mov-
ing a curio cabinet from one
corner to another may also
make a difference.
2. Add lighting. Lighting at dif-
ferent levels in the room can
create a vibrant impact. Many
homeowners mistakenly put in
a couple of table lamps and
think that will be adequate.
However, properly illuminating
a room means varying the
lighting to create different
moods at different times. Plus,
more light can make a room
feel more welcoming.
3. Add new pillows or drapes.
Changing a few aspects of a
room can give it an entirely
new look. If you want to add a
splash of color but dont know
what to do, think about incor-
porating some new throw pil-
lows or change the curtains.
An accessory here and there in
a bright color also can incorpo-
rate a new hue without it being
overwhelming.
4. Change knobs or small
accents. Give a room a new
look by focusing on the small
details. Switch out cabinet
knobs for something updated
and modern. Take inventory of
wall outlets and light switches
and think about selecting new
ones that coordinate with your
home decor.
5. Use plants. Empty corners or
spots youre not certain how to
fill may benefit from a plant.
Plants are inexpensive ways to
add instant color and visual
appeal to a room. Plus, having
live plants can help improve
indoor air by filtering out con-
taminants. A home with plants
also feels more cozy.
6. Hang new wall art. It may be
time to look at your photos and
artwork and make a few adjust-
ments. Finding new prints to
hang could instantly change a
rooms ambience. And you
neednt spend a lot of money
on professional photography,
either. Grab your camera and
visit our website at www.lifeandleisurenj.com
October 3, 2012 Page 22, Zone 3
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Throw pillows are accessories that can easily and inexpensively
change the look of a space.
continued on next page
take a few close-up shots of
flowers or take in a landscape
scenery. Many of todays
home printers can produce
professional-quality prints in
minutes.
7. Try a new coat of paint.
After youve exhausted other
avenues, choosing a new paint
color may be the new look you
desire. Painting is one of the
least expensive yet most dra-
visit our website at www.lifeandleisurenj.com
October 3, 2012 Zone 3, Page 23
19 Chapin Road, Building D | Pine Brook, NJ 07058 | 877-223-9090
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Repayment terms vary from 24 to 132 months. Interest waived if repaid in 365 days. 17.91% fixed APR, effective as of [date], subject to change.
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Whether its a minor remodel or a major home addition,
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Advantage Contracting also offers project management and full demolition.
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Seven inexpensive
ways to update a home now
continued from previous page
continued on page 24
lican 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, commu-
nity outreach, scholarships for
youth, and social activities.
Questions? Call 973-835-4025
or e-mail kbaig@optonline.net.
Kinnelons Open Space
Committee (OSC) and Open
Space Advisory Committee
(OSAC) are inviting members
of various organizations and
matic methods of changing a
homes interior. With dozens of
hues to choose from, and new
apps that enable you to take
snapshots of things in nature or
in your life and match them up
to a paint color, you will have
scores of opportunities to
explore fresh new colors for
your home.
When you get inspired to make
improvements to the home but
fear how much it may take out
of your wallet, consider inex-
pensive tricks that can induce a
big wow factor.
visit our website at www.lifeandleisurenj.com
October 3, 2012 Page 24, Zone 3
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Seven inexpensive
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continued from page 23
Community Happenings
To Advertise in Life & Leisure Call 973-696-8008
continued from page 2
continued on next page
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 his-
torical, recreational, and open
space facilities in order to
update the boroughs open
space plan. Residents should go
to www.kinnelonboro.org for
additional information regard-
ing public meetings in which
they can participate.
Comments and suggestions are
always welcomed at kin-
nelon_osac@yahoo.com.
The Circle of Friendship, a
support group for the separat-
ed and divorced, meets at
7:30p.m. 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 first
Sunday 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 inte-
gral part of the professional
hospice team that provides
physical, emotional, and spiri-
tual support to the terminally
ill. Volunteers work directly
with patients and families,
providing respite for care-
givers, companionship for
patients and families, and
errand-runs. Weekday volun-
teers are especially needed.
For additional information,
call 973-256-4636 and ask for
Laura Entwistle. Reach out
give the gift of self!
visit our website at www.lifeandleisurenj.com
October 3, 2012 Zone 3, Page 25
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owner of Heaven On Walls. Call Joan at 973-283-0945.
Community Happenings
continued from previous page
visit our website at www.lifeandleisurenj.com
October 3, 2012 Page 26, Zone 3
of course!
Fresh seafood, the finest quality meats, seasonal ingredients and a chef
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WE WILL BE OPEN
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MONDAYS & TUESDAYS
visit us on facebook
www.linasristorante.com.
49 MAIN STREET | BLOOMINGDALE
973.492.2211 | 1.888.522.Lina (5462) | www.LinasRistorante.com
Just off Routes 23 & 287 Open Wed, Thurs & Sun 12pm-11pm Fri & Sat 12pm-12am
Restaurant & Fine Catering
Catering For All Occasions,
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Gift Certificates Available
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Enjoy life and leisure with family, freineds, food and fun!
T
here are so many dif-
ferent reasons to
throw a party. From
birthdays to bar mitzvahs,
the reasons to celebrate are
many. Some people are sea-
soned experts at planning
and executing the perfect
party, while others are more
apprehensive about hosting.
However, with a little guid-
ance, anyone can successfully
host a memorable party.
Whether youre plan-
ning an intimate cocktail
party for a few friends or a
large-scale event for a bap-
tism or anniversary, some
simple tips can reduce the
stress involved in being a
party host.
Step 1: Create a budget
Planning the perfect event
starts with establishing a
clear budget. Above all else,
setting a firm budget will
help set limits as to what and
how much you can buy for
the event. It will also then
help you make your lists and
details accordingly.
Be sure to list the main
components of the party first:
including food, beverages
and invitations. Its impor-
tant to allocate more of your
budget to those items and use
the remaining funds to deco-
rate and set the mood.
Step 2: Decide on a location
Knowing where you will be
having your party usually
dictated by how much you
can spend will help pave
the way for other decisions.
For example, if you are hav-
ing a party at a restaurant, all
you may need to handle are
providing favors and bring-
ing a cake. But if you are
renting out a room or having
the party at home, your
workload will increase.
There are many different
places you can have a party,
even some unconventional
locales. Therefore, if you are
coming up with roadblocks
based on the cost of venues,
think outside the box. Look
to churches, restaurant back
rooms or even schools for an
empty room.
Step 3: Make your shopping
list
Once youve established
your budget and location, its
time to make your shopping
list. List all of the foods you
plan to make and then sepa-
rately list the ingredients
that need to go into each
recipe. Purchase the neces-
sary ingredients if you are
having mixed drinks. An eas-
ier idea is to simply offer soft
drinks, wine and beer
because guests can serve
themselves. You can shop for
nonperishable items, like
utensils and decorations,
early on. Save perishable
foods for a few days before
the party.
Step 4: Get help
Hosting a party can be a lot
of work, so it can benefit you
to have a friend or family
member lend a hand. Perhaps
he or she can work on party
favors while youre putting
the finishing touches on the
meal or the dessert. If the
budget allows, some people
like to hire a service to wait
on guests and cleans up dur-
ing and after the party. This
is beneficial to hosts who
want to mingle with guests
and not worry about collect-
ing soiled dishes and bever-
age glasses.
Step 5: Decide on personal-
ization
Although there may be
the temptation to have a
theme party, sometimes these
can come off as immature.
Instead, think about putting
your own personal touch on
the party planning. For exam-
ple, if youre a budding artist,
decorate with pieces you have
made and other inexpensive
works of art. Think about hav-
ing a decorative item as a cen-
tralized theme, such as crystal
vases or birdhouses. Maybe
the party will be dazzling
because of a particular color
scheme. Figure out what you
like and then go with that
instead of a preconceived con-
cept from a party store.
Professional party plan-
ners make their money by cre-
ating one-of-a-kind events for
their clients. You, too, can
host a party that will be magi-
cal with just a little organiza-
tion.
Party planning like the pros
visit our website at www.lifeandleisurenj.com
October 3, 2012 Zone 3, Page 27
Cannot combine with any other offers. Coupon must be presented before ordering.
Maximum 2 coupons per table. Not valid for parties of 8 or more.
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*
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6 Choices for
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2. Eggplant Parmigiana Platter or Hero
3. Chicken or Shrimp Scampi over Pasta
4. Chicken, Shrimp or Sole Francaise with Vegetable
5. Meatloaf with Mashed Potatoes
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Cannot combine with any other offers. Coupon must be presented before ordering.
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Excludes tax. Expires 10/31/12. LIMITED TIME OFFER.
With the purchase
of a beverage.
With minimum
Food purchase of
$35
.00
$
10
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Not to be combined
with $9.99 or
$10.99 coupons.
*
MONDAY - SATURDAY
HAPPY HOUR (3pm to 6pm Monday - Saturday) at Bar Only
$3 House Wine - $3 All Beer - $4 House Martinis & Drinks
1/2 PRICE APPETIZERS (4:30pm to 9:30pm Monday - Thursday)
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MONDAY - THURSDAY
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Coupon must be presented before ordering.
Maximum 1 coupon per table. Not valid for
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Excludes tax. Expires 10/31/12.
*
With the purchase
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$
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