1337963480may 30, 2012 Z1 - Low Rez

S
kin cancer is the most com-

mon form of cancer in the
United States. Over half of
all new cancers are skin cancers
and more than one million new
cases of skin cancer will be diag-
nosed this year in the U.S.
Approximately 10,000 people will
die of skin cancer this year. Most
skin cancers have a very high cure
rate if detected and treated early.
The primary cause of skin cancer
is excessive sun exposure; other
causes include radiation, viral
infections, trauma, genetics, and
immunosuppression.
Types of Skin Cancers
The majority of all new skin
cancers are basal cell cancers and
squamous cell cancers; melanomas
comprise the rest. More than 76
percent of skin cancer deaths are
from melanoma, and there will be
about 100,000 new cases of
melanoma in 2012. One person
dies of melanoma every hour.
Currently one in 37 Americans
has a lifetime risk of developing
melanoma; this incidence has
more than tripled among
Caucasians between 1980 and
2012. If detected in the early
stages, melanoma can be treated
successfully.
Common Warning Signs
A very common and early
potential sign of skin cancer is
known as actinic keratosis (A.K).
A.K. may appear as rough, red,
scaly patches, sores or crusts on
the top layer of the skin. Basal cell
and squamous cell cancers arise
within the top layer of the skin as
a scaly area or bump that persists
and bleeds. They usually appear
on the sun-exposed areas of the
body, including the face, forearms,
and neck. Melanoma usually
begins as a mottled, light-brown-
to-black flat blemish with irregu-
lar borders. It may turn shades of
red, blue or white, crust on the
surface, and bleed.
What Skin Cancer Looks Like
Proverbs 3:5,6 God Bless America
Recycled Paper from 30% Post Consumer Waste
May 30, 2012
Zone 1, Vol. 10, No. 11
Wayne Day
Pull-Out Section.
See Centerfold!
The Official Paper of Wayne Day
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JEFFREY B. WISE, M.D., F.A.C.S.
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By Ramtin Kassir, M.D., FACS
continued on page 12
Actinic Keratosis
Note: To have your group's
announcement appear in
Community Happenings,
please e-mail the information
in paragraph format to
calendar@lifeandleisurenj.com.
June 9
St. Michaels Episcopal
Church at 1219 Ratzer Road in
Wayne is having its annual
Craft Fair/Festival on Saturday,
June 9 rain or shine from 9a.m.-
4p.m. Crafters/Vendors accept-
ed. Call 973-694-1026 or email
reginagiordana @yahoo.com
June 14
Jacksonville Chapel will host
its tenth annual golf outing on
Thursday, June 14 at 2 p.m.
The cost is $140 per golfer and
includes 18 holes of golf
(scramble format), unlimited
range use, lunch and buffet din-
ner, $10,000 hole-in-one prize,
plus other great prizes, contests,
and giveaways. The event takes
places at the Black Bear Golf
Club, 138 Route 23 South in
Franklin. For more informa-
tion, contact Neil Hoogmoed
at booghug@aol.com or 973-
839-6936.
July 23-27
Preakness Bible Church,
1108 Preakness Ave. in
Wayne announces their sum-
mer Vacation Bible School.
July 23- 27 from 9:30 a.m.-
noon. It is for those entering
Kindergarten to those enter-
ing seventh grade. Free!
Register online at www.preak-
nessbiblechurch.org or call
973-942-8833.
Around the
Community ...
Portas Karate and Kobudo
academy held a graduation cer-
emony for students from its
Pompton Lakes and Wayne
schools that were advancing in
black belt rank. After the can-
didates successful completion
of an extensive black belt train-
ing program certification
awards were presented by
Sensei John Porta, 9th degree
black belt and senior United
States representative for the
Okinawan Goju-Ryu Karate
Association of Okinawa, Japan.
Testing and award ceremony
were held at the organizations
headquarters on 306 Wanaque
Avenue in Pompton Lakes.
Black belt members of Portas
Karate and Kobudo Academy
have been invited to partici-
pate in the upcoming World
Wide Karate Festival and
Exhibition to be held in
Okinawa, Japan later this year.
Black belt award recipients pic-
tured left to right are Isaac Van
Dyke 1st degree, Sensei Porta,
chief instructor, Neil Lipper
4th degree, Thomas Martone
3rd degree and Kevin Sickles
3rd degree. Portas Karate
Academy www. Portas
karate.org 973-845-5473.
The Golden Age Circle of
Wayne, Inc. (GACW) is an
active non-profit senior group
sponsored by the Wayne
Department of Parks and
Recreation that meets every
Thursday at 1 p.m. in the PAL
Building, 1 PAL Drive in
Wayne. Coffee is served after
each regular meeting and mem-
bers enjoy an afternoon of fel-
lowship. Day trips and
overnight trips are scheduled
throughout the year, certain
meetings host special speakers,
and bingo is played for only
visit our website at www.lifeandleisurenj.com
May 30, 2012 Page 2, Zone 1
100% mailed twice a month newspaper
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nd
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Lincoln Park, NJ 07035 973.696.8008
Publisher: Joe Pellegrino Editors: Bethanne Pellegrino & Kenneth Nicholas Assistant Editor & Administrative: Jennifer Pellegrino
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Sales: Lisa Buniewski, George Papendick, Veronica Pluta Classifieds: Kathleen Todd
Please e-mail all press releases and calendar information to calendar@lifeandleisurenj.com or fax to 973.556.1991.
Advertising in Life & Leisure is affordable and effective. We are a family friendly publication and therefore reserve the right to accept only
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I
f youre a parent, when does
the responsibility of provid-
ing for your children cease
to exist? When they are 18?
When they finish trade school
or college? After they secure
their first job? When you stop
working and must be depend-
ent on your portfolio to live?
When you die? Or is the
answer: it never ends?!
I think about this ques-
tion quite often as a parent of
four wonderful kids. With over
30 years of asking this question
to hundreds of prospects and
clients, one can imagine there
have been many answers from
couples and their children, too.
Some couples disagree as to the
answer to my question, causing
some deep friction between
them at times. Most though,
agree with their spouse
whether to provide or not to
provide for them up to or after
a certain time in their chil-
drens lives. Biblically, it isnt
clear. Regardless of which book
you read, they all describe it
about the same way. The perti-
nent pages read: Provide for
your family. What the reli-
gious books dont say is for how
long and under what condi-
tions. They do not say provide
when you are alive or when you
are dead. The books fail to
mention if you must provide
when you are sick or when you
are well. Nor do they say when
you are young or old. If I may
paraphrase, they just say to pro-
vide for your family. Does this
mean that providing for my
family is all encompassing?
Does this mean without end, in
duration of time or duration of
your funds? Does this translate
into: I should do without, so my
children may prosper? Is there a
limit to my provisions?
Interestingly, providing
can be interpreted as an educa-
tion in a profession or trade, so
that they may become self-suf-
ficient, eventually being able to
provide for their own children.
This concept works very well
for most families, but some-
times there are bumps in the
road, like when the child loses
his job or gets divorced, with
some children moving back
home with the parents that cel-
ebrated their childrens depar-
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Providing for your family is more
than just putting food on the table! By Mark Charnet
A
s summer inches
closer and closer
and the temperature
begins to rise, your backyard
is probably starting to look a
bit barren. Every year when
summer strikes, you say the
same thing: Next year well
get the pool. But next year
never seems to come and
every summer you find your-
self staring longingly out
your window wishing for an
oasis from the stifling heat.
But it is certainly not too late
this season to finally recon-
cile your bucket list and get
yourself the pool of your
dreams.
All Service Pool & Spa
has been in the pool design
and construction business
since 1997 and since then
has established itself as the
industry leader of Northern
New Jersey. All Service Pool
& Spa installs both in-
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pools, offering a refreshing
escape from the summer heat
at a very affordable price.
With a large assortment of
shapes and sizes, youre sure
to find a pool that will both
fit your backyard and be
unique to your neighbor-
hood. Additionally, hot tubs
and spas are available for
installation. Imagine the
year-round joy of sitting
under the stars in a hot,
relaxing tub at the end of a
long day! All Service Pool &
Spa also offers services such
as openings and closings,
inspections and repairs, dem-
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All quality, all the time at All Service Pool & Spa By Joe Pellegrino, Jr.
M
aybe you're close to
losing it! What the
heck are we talking
about? Diamonds! Every year,
thousands of people lose dia-
monds, big and small, from
their settings. Why? Because
over time the gold or plat-
inum that holds the stones
wears away. It's
a fact: If you're
wearing it, then
you're wearing
it slowly away.
We find that
the average life
of a prong is
about 10 years.
Jewelry items
such as neck-
laces and ear-
rings usually don't get the
abuse a ring or bracelet
receives, so prongs on these
pieces tend to last much
longer. Sometimes prongs
aren't worn, but have been
bent, which also can give a
stone an opportunity to fall
out.
So what can you do
about it? Well, if you haven't
lost it yet, you should make it
a point to go every so often to
whatever jeweler it is you
trust. Ask the jeweler to
check the integrity of your
prongs and the tightness of
your stones. Most jewelers do
this as a courtesy to their
clients and never charge for
this service. If you don't have
a favorite jeweler or yours is
too far away, we would be
happy to check your jewelry
for you no charge!
What if there is a prob-
lem? The usual fixes and costs
are: repair a bent prong ($10
or less), retip a worn prong
(between $12-$20 per
Have you lost it?!
T
he dental and medical
community is viewing
oral health as a major
pillar of overall health.
Having a healthy mouth is
becoming even more impor-
tant to everyone. Here are just
a few statistics that suggest a
strong correlation between
oral and systematic (body)
health.
Research at a recent
American Heart Association
meeting said as few as two
dental cleanings per year can
reduce a persons risk of heart
attack by 25 percent.
Dental sleep therapy can
help the 20 million people
who suffer from obstructive
sleep apnea. They are at a
greater risk for cardiovascular
disease. Effective treatment of
sleep apnea patients can add
ten years to their lives.
Appropriate periodontal
(gum) treatment is effective
in lowering the A1C levels in
diabetic patients as most med-
ications, but without adverse
side effects. (A1C level is a
three-month average of the
blood sugar level).
Oral inflammation re-
duction in diabetic patients
can reduce the yearly health
care costs by up to 25 percent.
Studies show that Lp-PLA2
levels can be lowered by oral
inflammation reduction. (Lp-
PLA2 is an enzyme related to
cardiovascular disease, con-
gestive heart disease, and
stroke.)
Oral bio-film-associated
disease surpassed heart disease
in total cost of health care.
Bacteria live in a bio-film.
These bio-films cause more
than 75 percent of all bacteri-
al infections in humans. Oral
bio-films are associated with
almost all oral infections,
including cavities.
Inflammatory by prod-
ucts similar to those in the
mouth have been implicated
in osteoarthritis.
This new information
will be changing dentistry.
The dentist will be more than
he has ever been before, being
able to screen or even prevent
medical problems. A total
wellness exam, dental exam,
microbial assessment, genetic
testing, saliva diagnostics, and
health assessment may be the
norm with dental visits in the
future.
The next part in this
series will describe current
and future medical testing
that dentists will be able to
perform.
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
may reach him by calling
973-838-5862 or visiting
him on the web at
www.drbrusco.com.
Oral and body health, Part 2
By Dr. Peter Brusco, DMD
I
started Jeremies Boot
Camp with my cousin and
only anticipated doing it
for one month. Well, its now
eight months later and I am so
glad that I stuck with it. I
absolutely love it! I work full
time, do part-time work on
special projects, am a graduate
student, and am raising a fami-
ly, so the excuse of having no
time just doesnt cut it!
Jeremie is encouraging
and creative. He brings a
remarkable amount of enthusi-
asm, energy, and experience to
the workouts. I am constantly
challenged by new exercises.
There is a wonderful feeling of
camaraderie as well as account-
ability from the other women
in the camp. And Jeremie has
an engaging personality that
makes you want to work hard
and push yourself past what
you thought you could do. Of
course, it is hard work, but
Jeremie makes you want to
achieve your goals through
constant encouragement and
great tips.
I had never worked out
before the boot camp and I
have seen tremendous results
in a very short period of time.
Im 40 years old and feel fit-
ter and healthier than I have
ever felt in my life. I am con-
fident that I could not have
reached this new level of fit-
ness without Jeremies guid-
ance, support, and expertise.
Inches are shrinking off and
co-workers and friends keep
telling me how great I look.
More importantly, though, I
feel so much better!
I am going away on a trip
and decided to step up my
workout and take my body to
the next fitness level, so I
began Jeremies XR-30 pro-
gram (www.thunderfitness
.net). Jeremie has a special gift
of making you work to your full
potential and at the same time
makes the workout enjoyable.
He genuinely cares about his
clients and it really shows.
His personal attention
and cheerful, caring manner
are unbeatable. I am amazed at
the time and care he puts into
ensuring that I do things cor-
rectly so I get the most value
from the exercise. He will
design an exercise program to
meet your specific fitness goals.
He has enabled me to do
things I was never able to do
before and I truly believe he
has created a much more ener-
getic, confident, and happier
me!
I wholeheartedly recom-
mend Jeremies programs!
To learn more about XR-
30 visit www.thunderfitness
.net or call 201-618-6266.
Thunder Fitness is located at
453 Main Street in Little Falls.
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S
pencer Savings Bank, a
community bank head-
quartered at 213 South
Avenue in Elmwood Park,
donated $2,500 to the
Cranford First Aid Squad dur-
ing the official grand re-open-
ing of its Cranford branch on
Saturday, April 28.
After completing full
renovations to the Cranford
branch, which suffered exten-
sive flood damage from
Hurricane Irene, Spencer
Savings Bank celebrated by
hosting a grand re-opening
event for the community, at
which it honored the local
First Aid Squad, which also
suffered from the hurricane,
losing valuable equipment as
a result.
Being a part of the
Cranford community for the
past 10 years, we are always
honored to help fellow com-
munity members and organi-
zations during times of need,
said Jos B. Guerrero, presi-
dent and CEO of Spencer
Savings Bank. Having suf-
fered hurricane damage to our
branch as well, we understand
firsthand how hard it is to
rebuild. We are proud to help
the Cranford First Aid Squad
recover and continue to make
invaluable contributions to
the community, and we are
excited to once again open
our doors to our local
patrons.
The Cranford branch
grand re-opening celebration
offered a day of fun entertain-
ment for all ages, including
face painting, clowns, balloon
animals, refreshments, and an
iPad giveaway for all guests to
enjoy.
There are also special
product offers, which will be
available throughout the
month of May. Spencer
Savings Banks Cranford
branch has once again opened
its doors to all community
members and loyal patrons
and remains committed to
providing quality banking
experiences and service.
For more information on
this event, or to learn more
about Spencer Savings Bank
and its personalized banking
options, visit www.spencer-
savings.com.
Spencer Savings Bank,
headquartered in Elmwood
Park, New Jersey, is a com-
munity bank that has been
serving its local communities
with integrity and pride for
over 70 years. The bank,
serving consumers and busi-
nesses, operates 19 branches
throughout Northern New
Jersey. Spencer Savings Bank
has over $1.8 billion in total
assets.
Spencer Savings Bank donates $2,500
to Cranford First Aid Squad to aid
Hurricane Irene recovery efforts
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S
chool of Rock, the
nationwide music educa-
tion program, will be
opening a franchise location in
Wayne at 1055 Hamburg
Turnpike in the Wedgewood
Plaza in early June.
School of Rock offers an
exciting way for young musi-
cians, ages 7 and up, to develop
their skills on guitar, bass,
drums, keyboards, or vocals,
said Matt Sandoski, owner of
School of Rock Montclair. We
dont just give kids one-on-one
lessons; we cast them into
bands and get them onstage at
real rock venues, playing songs
from the greatest artists of all
time. This pioneering perform-
ance-based approach inspires
kids to practice more, make
new friends, develop valuable
confidence and leadership
skills, and also have a great
time, he said.
Sandoski won a Gram-
my in 2002 as a mastering
engineer. He also works as a
sound and recording engineer
with the band Citizen Cope,
which has a new song that
will be featured in the
upcoming film Battleship.
Sandoskis Montclair fran-
chise, which opened in 2010,
has been profiled on The
Today Show, Good Day
New York, and WCBS-AM.
Students at the School of
Rock in Montclair have per-
formed concerts at clubs, the-
aters, and events across
May 30, 2012 Page 10, Zone 1
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Special
Has your child been diagnosed with...
Cerebral Palsy
Autism
Developmental Delay
Balance/Coordination Disorder
Hypertonia (increased muscle tone)
Hypotonia (low muscle tone)
Down Syndrome
Spina Bifida
Metabolic Disorder
Traumatic Brain Injury
18 Newark Pompton Tpke.
Riverdale, NJ 07457
973.616.8300
Physical Therapy
Occupational Therapy
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Speech Therapy
Childhood
Weight Loss
...then give us a call 973.616.8300
Grammy-winning music pro to open School of Rock in Wayne
Unique after-school music education program teaches kids how to rock, on stage and in life
continued on next page
W
e continually hear
and read reports on
the escalating cost
of higher education. However,
two tax credits are available to
provide some relief for taxpay-
ers who are paying these educa-
tion costs for themselves
or family members. The
American Opportunity Tax
Credit and Lifetime Learning
Credit are available in 2012 to
help students and parents cover
the cost of higher education.
Taxpayers will generally use the
American Opportunity Tax
Credit, as opposed to the
Lifetime Learning Credit, since
it will yield a greater monetary
benefit.
The American Oppor-
tunity Tax Credit is a per stu-
dent credit that may be claimed
for each eligible student pursu-
ing an undergraduate degree or
other recognized education cre-
dential. The student must be
enrolled at least half-time for
one academic period to qualify
for the credit.
The maximum American
Opportunity Tax Credit is
$2,500 per student in 2012
based on 100 percent of the
first $2,000 and 25 percent of
the next $2,000 of the qualified
tuition and related expenses
paid during the tax year for
education furnished to an eligi-
ble student. Qualified expenses
include tuition and fees and
course-related books, supplies,
and equipment. Forty percent
of the credit is refundable,
which means that you may be
able to receive up to $1,000
even if you owe no taxes. This
credit does phase out, but is
generally available to eligible
taxpayers whose modified
adjusted gross income is less
than $80,000 or $160,000 for
married couples filing a joint
return.
Unlike the American
Opportunity Tax Credit, the
Lifetime Learning Credit is a
per taxpayer (per return) cred-
it, rather than a per student
credit. It is available for all
years of post-secondary educa-
tion, including graduate level
degree work, and for courses to
acquire or improve job skills
(e.g. work-related community
college courses). The student
does not have to be pursuing a
degree or other recognized edu-
cation credential to obtain the
credit.
For 2012, the maximum
Lifetime Learning Credit
allowed is $2,000 (20 percent
of up to $10,000 of the aggre-
gate qualified tuition and relat-
ed expenses paid during the tax
year for education furnished to
an eligible student during any
academic period). Qualified
expenses include tuition and
fees and course-related books,
supplies, and equipment, but
Northern New Jersey and in
Manhattan, focusing on the
music of such bands as Led
Zeppelin, Pink Floyd, Green
Day, Black Sabbath, Michael
Jackson, the Allman
Brothers, the Red Hot Chili
Peppers, the Rolling Stones,
and the Beatles.
Well have an open
house at our Wayne location
on Saturday, June 16, where
interested young musicians
and their parents can learn
more about the amazing
experience that we have to
offer, said Sandoski. There
will be giveaways, jam ses-
sions, clinics, and special
appearances by musicians
and industry professionals.
School of Rock Wayne
has a line-up of special week-
long summer camp programs,
which will take place at its
1055 Hamburg Turnpike
location.
For more details about
School of Rock Wayne,
including its summer camps
and year-round programs,
contact Shamera Sandoski at
973-572-4758 or visit
wayne.schoolofrock.com.
May 30, 2012 Zone 1, Page 11
Family & Cosmetic
Dentistry
Lauren M. Salch,
D.M.D.
Ryan P. Zlotkowski,
D.M.D.
Complete Examination,
Full Series of X-Rays
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Grammy-winning
continued from previous page
Education tax credits By Robert Sokoloff
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1320 Pl 23 Ncrlh ] Wcyne, NJ 07470
73.7.7808 ] ccrecl|velcuch1gmc||.ccm
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Cenler
If you notice a mole on
your skin, follow the ABCD
rule for melanoma:
Asymmetry: one half
does not match the other.
Border Irregularity: the edges
are ragged or notched.
Color: the pigment is not
uniform; shades of tan,
brown or black are present.
Diameter: the width is more
than six millimeters, about
the size of a pencil eraser.
A mole that has
increased in size, a new mole,
or a mole that is different or
ugly requires prompt med-
ical attention. Prevention
and early detection are key.
In order to prevent AK's and
skin cancer, you should fol-
low these three steps:
1.Wear sunscreen of at least
SPF 15, wear protective
clothing, and avoid the sun
between 10 a.m. and 4 p.m.
2.Perform periodic self-
examinations.
3.See your dermatologist
immediately if you suspect
skin cancer.
Free booklet reveals the
facts
If you are concerned
about a new mole or other
skin lesion, or would like
more information, please call
973-692-9300 or e-mail
info@drkassir.com anytime,
24 hours a day, to receive a
free brochure entitled Skin
Cancer, or to arrange a free
skin cancer screening with
Dr. Kassir.
Dr. Kassir is a triple board certi-
fied facial plastic surgeon, spe-
cializing in reconstruction of de-
fects resulting from skin cancer
excisions. He practices with his
brother, Martin Kassir, M.D.,
a board certified dermatologist.
O
dds are during your
daily scratching and
petting session with
your dog or cat there will come
a time when you find a lump or
bump. Don't panic! Fido isn't
dying, but he does need to take
a trip to the veterinarian.
As they age, dogs and cats,
like people, will develop warts
and masses. The most common
time of life for tumors to begin
to form is middle age, around 5
years and older. Not all tumors
mean your pet has cancer.
Any animal, from the
very young to the very old, can
develop a skin or subcutaneous
growth. Many tumors are
benign. Benign tumors do not
spread to other organs or tis-
sues. Sometimes benign tumors
need to be removed because
they impinge on surrounding
structures, thereby causing
problems. Also, if they might
break open and cause infection,
they need to be removed.
If you find a mass
(growth) on your pet, ask your
veterinarian to examine it.
Your veterinarian will aspirate
the mass, which means using a
needle to collect a sample of
the cells inside, or suggest a
biopsy where a larger tissue
sample is taken. Cats are less
prone than dogs are to develop-
ing skin and subcutaneous
tumors, but both types of pets
will need veterinary care for a
growth.
Many dogs get lipomas as
they age. A lipoma is a benign
fatty tumor that feels like a soft
mass. It is common in older
animals. When we aspirate it,
we just see fat. No treatment is
necessary unless it is causing
problems for neighboring areas.
Lipomas are typically suspected
by your veterinarian feeling
them, but some more serious
malignant tumors can feel sim-
ilar and therefore a lipoma
should only be diagnosed by
taking a sample of the lump
with a needle aspirate or biopsy.
Unfortunately, some
tumors are malignant, or can-
cerous. If your vet-
erinarian thinks a
mass may be malig-
nant, more diagnos-
tic tests need to be
done. These tumors
can and usually do
spread to other
organs, causing
problems through-
out the body.
Where a tumor will
spread depends on the type of
tumor.
Treatment for these
malignant tumors is usually sur-
gical removal and can be fol-
lowed by either chemotherapy
or radiation, depending on the
tumor type. Radiation therapy
is recommended when not all
of the tumor can be removed
surgically. Chemotherapy is
used when there is a high risk
that the tumor will spread to
other parts of the body.
When you notice a lump
or bump on your pet, it is best
to have a veterinarian look at it
soon. Many pets have lumps all
their lives that remain benign,
but if a lump is malignant, your
pet has a better prognosis if
treated early.
Dr. Matthew Krupnick is the
owner of the Pequannock Animal
Hospital. He grew up in Kin-
nelon 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 Turnpike
in Pompton Plains. You can
reach the hospital by calling
973-616-0400.
May 30, 2012 Page 12, Zone 1
WHERE YOUR
PET IS FAMILY
Dr. Matthew Krupnick, D.V.M.
Full Service Animal
Hospital, Specializing
in Cats & Dogs
Complete Medical,
Dental & Surgical
Services On Premises
Caring & Competent Staff
591 Newark Pompton Tpke.
(near Friendly's)
Pompton Plains, NJ
973.616.0400
Hours: Mon 8-6pm Tues 8-4pm
Wed 8-7pm Thurs 8-6pm
Fri 8-5pm Sat 8-12pm
FREE Exam
NEW CLIENTS ONLY.
Limit 1 per pet.
Not combinable w/other offers. Expires 6/30/12
15% OFF
Exam Fee
ONE TIME ONLY. Limit 1 per pet.
Not combinable w/other offers. Expires 6/30/12
O
p
e
n
S
a
tu
r
d
a
y
s
www.PequannockVet.com
Take a closer look at lumps and bumps
By Dr. Matthew Krupnick
What every person should
know about skin cancer
continued from page 1
To Advertise
in Life & Leisure
Call 973-696-8008
May 30, 2012 Zone 1, Page 13
May 30, 2012 Page 14, Zone 1
I
n April 2012, a wildfire
broke out in a compost
pile in an area on Staten
Island, NY, that formerly
housed the Fresh Kills
Landfill. Residents across the
island worried if the billowing
smoke rising into the sky was
toxic in nature as a result of
the years of trash that had
been buried in the soil.
Though its understand-
able to worry about contami-
nants that could be polluting
outdoor air, its important not
to overlook indoor air quality
as well when planning on sell-
ing your home.
According to the
Environmental Protection
Agency, air inside people's
homes can be two to five
times more polluted than air
outside the home. Although
the EPA regulates the quality
of outdoor air and monitors
potential contaminants, the
air inside one's home is his or
her own domain. Oftentimes,
people do not realize how pol-
luted the air in their homes
and businesses can be.
Cigarette smoke, radon, car-
bon monoxide, lead-laden
dust from old paints, dirt-filled
carpet, household cleaners,
and furniture made with wood
glue containing formaldehyde
are all sources of indoor air
pollution. Even cooking on a
gas stove may introduce high
levels of nitrogen dioxide into
the air, causing respiratory
problems.
The National Safety
Council says that Americans
spend about 90 percent of
their time indoors, so poor air
quality can greatly affect per-
sonal health. There are sever-
al steps that can be taken to
improve the quality of indoor
air.
1.Open the windows and let
fresh air circulate. It is impor-
tant to change the air inside of
the home several times a day
to prevent the buildup of pol-
lutants. Even opening win-
dows a crack can help.
2.Change the filters on home
Nine ways to improve indoor air
May 30, 2012 Zone 1, Page 15
19 Chapin Road, Building D | Pine Brook, NJ 07058 | 877-223-9090
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Closets Garages Pantries Laundry Rooms Home Offices and More
May 30, 2012 Page 16, Zone 1
A
re you tired of a wet
basement? Let A-1
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The rainy season is upon us and
for many homeowners that
means a wet basement, which
is no fun at all. So what can you
do to prevent the annual seep-
age in your basement? Call A-1
Sta-Dry to waterproof your
basement, thats what!
A-1 Stay-Dry Water-
proofing, a family owned and
operated business out of
Wayne, NJ has been keeping
basements dry since 1981.
Whether finished or not, there
is little worse than a flooded
basement. Besides the loss of
personal items, the aftermath
of flooding or seepage may
result in mold growth.
Sheetrock, flooring, furniture,
furnace, hot water heater,
washer and dryer often are
ruined. It is a headache and
heartache that can be avoided.
With all of the new water-
proofing companies out there
today, it may be difficult and
stressful trying to figure who to
use. A-1 Sta-Dry prides them-
selves on being the local guy,
the original waterproofing
company! A-1 Sta-Dry gives
honest, written estimates and
does not use subcontractors.
The guy that does the estimate
is the guy that does the work.
Since they dont use a salesper-
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overhead down. The savings is
passed on to youthe home-
owner. In addition, A-1 Sta-
Dry offers a lifetime trans-
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references dating back 30 years.
Not many companies can hon-
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For the right job at the
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Full Drainage Systems Sump Pumps
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REFERENCES
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Free Estimates
Fully Insured
GACW members one
Thursday during each month.
To qualify as a member, you
must be a Wayne resident of at
least 50 years of age. Yearly dues
are $7. For more information,
call Val Turner, assistant
recording secretary, at 973-694-
5094. Or, come visit us!
Professional musicians and
vocalists of the Wayne Seniors
Swing Band will perform for
your dancing and listening
pleasure on the third Tuesday
of each month. Requested
donation is $2 from members of
the Wayne Elks Lodge and
members of the Wayne Adult
Community Center. For all
others, requested donation is
$3. Light refreshments will be
served. Performances will take
place from 12:30 p.m. to 2:30
p.m. at the Wayne Elks Lodge,
50 Hinchman Ave. For more
information, call 973-633-
0734.
The Annual Membership
Drive for the Friends of the
Wayne Public Library is now
underway. Current members
are asked to renew their mem-
bership for 2012. New members
are always welcomed; member-
ship forms are available at the
main library (461 Valley Road)
and at the Preakness branch
(1006 Hamburg Tpke).
Members of the Friends serve as
volunteers in the Friends
Room, help with the Lunchbox
Learning programs, and help
sort donations of used books
that are sold by the Friends to
benefit the library. Visit the
Friends Room at the main
library, located on the right
after you enter. A large selec-
tion of used media is available
at bargain prices, including
novels, children's books, non-
fiction, biography, cookbooks,
collectibles, vintage books,
records, and magazines. Be a
part of your library join the
Friends. For more information,
call 973-694-4272 ext. 5405.
Visiting Angels of Wayne in
association with the
Alzheimers Foundation of
America is offering free and
confidential year-round memo-
ry screenings. The screenings
are available on the third
Wednesday of each month
from 2:00pm to 4:00pm by
appointment only. The screen-
ings are held at the Visiting
Angels office located at 2190
Hamburg Turnpike in Wayne.
Visiting Angels is a senior
homecare agency that helps
seniors remain comfortably at
home through joyful compan-
ionship and a commitment to
professional services such as
hygiene, light housekeeping,
errands, and meal preparation.
For more information or to
make an appointment for a
screening, call (973)839-3761.
The Riverview Garden Club
in Wayne encourages local area
residents who are interested in
gardening and in expanding
their botanical knowledge to
become club members. Novice
and experienced gardeners are
welcomed. Monthly meetings
feature educational lectures by
experts on a variety of garden-
ing and nature related topics,
and excursions to various
botanical venues are scheduled
throughout the year. Club
members can also participate in
demonstrations and hands-on
projects that involve creating
May 30, 2012 Zone 1, Page 17
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floral, landscape, and nature
related items. The Riverview
Garden Club maintains several
public gardens in the Wayne
area; this provides club mem-
bers with the opportunity to
improve their gardening skills
by being involved with projects
that beautify the local commu-
nity. Join now to allow your
gardening knowledge and
friendships blossom. For more
information, call our member-
ship chairperson Judy Sherpa at
973-838-8005, send an e-mail
to riverviewgc@optonline.net,
or visit our website:
www.riverviewgardenclub.com.
Jewish Family Service of
North Jersey, a recipient of
financial assistance from UJA
Federation of North Jersey, is
expanding its Kosher Meals on
Wheels program in Wayne.
The Meals on Wheels Program
provides hot, nutritious kosher
meals to people age 60 and
over, or those younger who
have a disability and who are
unable to cook or shop.
Volunteer drivers bring needed
meals and offer smiles, greet-
ings, and personal contact to
the elderly, many of whom sel-
dom get out. Drivers are need-
ed to deliver meals two times a
month. We are accepting refer-
rals for people who would like
to receive meals. To volunteer,
to request Kosher Meals on
Wheels, or for additional infor-
mation, call Paul Klein at 973-
595-0111.
Spa 23 Health & Racquet
Club in Wayne offers birthday
parties and special events for all
ages. Kids will have the time of
their lives at Spa 23 parties! In
addition to our pool parties,
choose from any of our themed
parties, or add a theme to your
pool party. Theme parties are
available seven days a week.
Pool parties are available
Fridays, Saturdays, and
Sundays. You can also book the
entire club for your own private
event! The spa is located at 381
Route 23 in Pompton Plains.
Contact Spa 23s program
director, Laura Severance, at
973-839-8823. View more
information online at
www.spa23.com.
An open invitation is extend-
ed to all seniors in the area to
join the Golden Key of Wayne.
Dont get housebound come
play bingo, dominoes, and card
games with some friendly sen-
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May 30, 2012 Page 18, Zone 1
COMMERCIAL/RESIDENTIAL
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Retaining Walls Foundations
Fireplaces & Chimneys
973-616-0277
NJ Lic# 13VH04989300
Owner Operated 25 Years Experience
Referrals Upon Request
www.carlsonbrothers.com
ROOFING
ROOFING
Cape Cod $2,500
Bi-Level $2,700
Split Level $2,900
Carlson Brothers
Carlson Brothers
201-796-7374 201-796-7374
$
1
0
0
O
F
F
MENTION
THIS AD
888-882-2757 888-882-2757
Lic. # 13VH01591200
N
N
May 30, 2012 Zone 1, Page 19
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ACCOUNTING SERVICES
Vincent Gallipoli
Certified Public Accountant
PO Box 561, Pompton Plains, NJ 07444
973-616-9748
vpal4@yahoo.com
AIR CONDITIONING / HEATING
SYSTEM SERVICES
Stephen Mangeri
SM Heating & Air Conditioning, nc.
NJ Lic #13VH02620300
973-628-6472
steve@smheatingandair.com
smheatingandair.com
Reliable Service that You Can Trust
ATTORNEY
Fredric F. Azrak, Esq.
Azrak & Associates, LLC
Attorneys at Law
627 Newark Pompton Tpk
Pompton Plains, NJ 07444
973-839-9062
azraklaw.com
lawyers@azraklaw.com
Excellence & Integrity for over 36 years
AUTOMOTIVE REPAIRS
John Napolitano
Pry Automotive
Butler, NJ 07405
973-838-1656
pryauto@optonline.net
CHIROPRACTOR
Donna Perillo, MS, DC,
DACBSP, DCBCN, NMD, CNS
NJ Total Health Center
973-872-2133
njtotalhealth@aol.com
njtotalhealthcenter.com
CLEANING SERVICES
Ronald A. Denequolo
Magic Cleaning Concepts, LLC
Pequannock, NJ 07440
973-694-6611
magiccleaningconcepts.com
DENTIST
Brian Marino, DMD
Pequannock Valley Dental Associates, P.A.
973-831-0444
pvdentalassociates.com
DISASTER RECOVERY
SERVPRO of Northern Sussex County
and Wayne
Fire & Water Cleanup & Restoration
servpronscw.com
Brent Pope
862-200-0356 Cell
HOME IMPROVEMENTS
Robert Ruggiero
License #13VH04356500
Beechwood Home mprovements
Livingston, NJ 07039
973-634-3514
compass.inspect@yahoo.com
HOME INSPECTIONS
Robert Ruggiero
N.J.H.. Lic #24G00084600
Compass Home nspections, LLC
Livingston, NJ 07039
973-634-3514
compass.inspect@yahoo.com
INSURANCE - AUTO, HOME
Jim Murasko, LUTCF
Allstate New Jersey
nsurance Company
Exclusive Agent
The Murasko Agency, LLC
Bloomingdale, NJ 07403
973-492-2200
jimmurasko@allstate.com
INSURANCE - LIFE, DISABILITY,
LONG TERM CARE & SMALL
BUSINESS GROUP BENEFITS
Thomas J. Cleeland CLTC,LUTCF
Allstate Financial Services
Westfield, NJ 07090
908-301-0711
tcleeland@allstate.com
allstate.com/tcleeland
IT/COMPUTER SERVICES
Ken Ginefra, President
GCS Consultants LLC
170 Kinnelon Road, Suite 16
Kinnelon, NJ 07405
973-291-8048
ken@gcsconsultants.com
gcsconsultants.com
JUNK REMOVAL
Patrick J. Resotka
Owner
Class Act Junk Removal &
Clean Out Service
Whippany, NJ
973-349-7348
contact@classactcleanouts.com
classactcleanouts.com
MARKETING CONSULTING
Adam S. Wolf
President
CellCon Consulting
West Orange, NJ
973-736-3001
awolf@cellconconsulting.com
cellconconsulting.com
MARY KAY
Mary Hart
ndependent Beauty Consultant
973-835-2439
marykay.com/mary.hart
MERCHANT SERVICES
CMA Merchant Services
Ken Hardaker
59 Beaverbrook Rd. Ste.201D
Lincoln Park
800 820-2077
cmaken@msn.com
MORTGAGES
Edward Morba
President
Family Home Funding Corp
Kinnelon, NJ 07405
973-283-8111
800-585-1212
emorba@familyhomefunding.com
familyhomefunding.com
PAINTING
Steve Pruzinsky
All Jersey Painting, nc.
Lincoln Park, NJ 07035
973-694-2299
steve@alljerseypainting.com
alljerseypainting.com
PAYROLL SERVICES
Francine Karamian
Precision Payroll Services,nc.
Wayne, NJ 07470
973-706-6660
francinek@ppspayroll.com
ppspayroll.com
PERSONAL TRAINER
Geri McGurk, BS, NASM, CPT, CTS
Owner
High Definition
Personal Training Center
Wayne, NJ 07470
973-784-3381
HDPTC.com
PRINTER CARTRIDGES
Jack Pezzuti
Owner
Cartridge World
Kinnelon, NJ 07405
973-248-1010
cwriverdale@optonline.net
cartridgeworldusa.com/Store230
PRINTER - PRINT GRAPHIC DESIGN
Vivian DiPietro
PostNet
Clifton, NJ
973-542-8071 ph 973-542-8073 fx
nj127@postnet.com
postnet.com/nj127
PROMOTIONAL ITEMS
Lois Friedman
First mpression
Wayne, NJ 07470
973-696-7035 ph 973-696-1341 fx
firstimpression@att.net
REAL ESTATE - COMMERCIAL
Barbara Garruto CRS,GR
Broker Sales Associate, Notary Public
Century 21
Butler, NJ 07405
973-886-1757 - cell
bgarruto@yahoo.com
REAL ESTATE - RESIDENTIAL
Linda Lee Sokerka
Coldwell Banker
Residential Real Estate
973-838-9300 973-768-2717
Sokerka@aol.com
Your Perfect Home s Waiting!
Can Help You Find t!
TRAVEL
Joanne Hunt
Pompton Plains Travel
142 Route 23 North, 2nd Floor
973-831-1114 ptravel@warwick.net
pomptonplainstravel.com
WEBSITES/SEO
Bob Lee
ASA Marketing LLC
973-750-8670
boblee@asamarketing.net
asamarketing.net
Mobile Marketing/Websites
WINDOW CLEANING
Joe LaFergola
Fish Window Cleaning
Riverdale, NJ 07457
973-831-2300
jlafergola@fishwindowcleaning.com
fishwindowcleaning.com/697
May 30, 2012 Page 20, Zone 1
P
BBFOBm
INO
ABTS
ACADBm
Y
973-839-7800
194 Wanaque Ave. Pompton Lakes
www.thepaa.com
SUMMER DAY CAMP
M
A
K
E
N
EW
FR
IEN
D
S
&
M
EM
O
R
IES
June 25th - August 24th, 9am-1pm
Ages: 3-6 & 7-10
Performing Arts Academys all new Summer Day Camp provides
children with a fun and educational experience in the arts.
N
E
W T
H
E
M
E
E
A
C
H
W
E
E
K
!
BEACH WEEK
JUNGLE WEEK
AROUND THE WORLD
BUGS & BUTTERFLIES
CIRCUS WEEK
AND MUCH MORE!
NEW WEEKLY THEMES INCLUDING:
CAMP CORNER REGISTRATION GUIDE
Developing the Foundation for a Lifetime of School Success!
Family Owned and Operated Est. 1971
Infants, Toddler, Preschool, Kindergarten
Grades 1-6
Ages 6 Weeks To 12 Years
WAYNE
25 Nevins Rd (next to Ice Vault) 1219 Ratzer Rd 950 Preakness Ave
973 696- 9750
C
O
R
E
A
P
P
L
E
C
O
R
E
A
P
P
L
E
Visit our school and find
out how many consecutive
years over 90 of our
children scored in the top
10 nationally...
and they are having the
MOST FUN in their
lives!
A Truly Unique
Montessori School
Unique Phonics
Reading Program
Computers
Music
Foreign Language
3 or 5 Half Days
Full Days 7am-6pm
Fastrackids
Parenting Seminars
Character Education
Dance Academy
Summer Camp
Daily Swimming
Lessons, Heated Pool
designed for safety of
young children
Sports/Organized Games
Arts & Crafts
Field Trips
Music/Dance
In House Events
Nature & Science
Computers
Cooking
Call, visit and compare the
advantages gained for your child
www.applemontessorischools.com
Celebrating
Our 40th
Anniversary
heating and cooling systems
as the manufacturer suggests.
3.Routinely clean the
exhaust vents in kitchens,
bathrooms and laundry
rooms.
4.Consider the installation of
an air purification system in
the home. Or purchase in-
room HEPA filters.
5.Routinely clean bedding
used by pets and groom ani-
mals to remove fur shed.
6.Avoid the use of
toxic cleaning products.
Thoroughly cleanse the air
by opening windows after
doing any cleaning.
7.Use natural pest control
procedures inside when possi-
ble.
8.Introduce more plants to
the home, which naturally
filter air.
9.Use detectors to test for
radon and carbon monoxide
in the home. If there are high
levels present, go outside and
investigate ways to identify
the problem and remedy the
situation.
Nine ways to
improve indoor air
To Advertise in our Camp Corner Section
Call 973-696-8008
Dont Miss It!
L
eading the summer
blockbusters this year is
Disney and Marvels lat-
est project, the box office hit
The Avengers, which brings
many of your favorite super-
heroes together for the first
time on the big screen. Join the
Avengers Initiative with
Captain America, Iron Man,
Thor, the Incredible Hulk,
Black Widow, and Hawkeye,
under the leadership of Nick
Fury, as they take on the
demigod Loki in an epic battle
for the salvation of humanity.
Fans who have seen the
superheroes in their prior films
and stayed for the end credits
will recall each hero being
approached by a mysterious
man identified as Nick Fury
(Samuel L. Jackson) with an
opportunity called the
Avengers Initiative. The
Avengers is the long awaited
assembly of this team. After
Loki crosses realms and arrives
on Earth, he plans a devious
plot to enslave mankind in an
act of revenge on his brother,
Thor. When Loki begins taking
humans captive to open a por-
tal to the other realms to sum-
mon his army, Fury assembles
the recruited Avengers. Not
used to working together, the
Avengers face one of their
greatest challenges yet: setting
aside their differences and their
pride to become a team. Each
character faces his own flaws
that he must overcome in order
for the Avengers to come
together successfully and defeat
Loki in order to save the world.
In addition to Samuel L.
Jackson, the all-star cast is led
by Robert Downey, Jr. as Iron
Man, Chris Evans as Captain
America, and Scarlett
Johanssen as Black Widow.
The Avengers is filled with
intense action scenes from the
opening until the very end.
The film is also available in 3-
D, which greatly enhances the
special effects and provides a
more entertaining experience.
In addition to stunning special
effects, the film is overall clean
and family-friendly. Marvel
fans will not be disappointed as
the film is not simply just super-
heroes in action, but also con-
tains a well-developed and
thought-out plotline. The film
does an excellent job of bring-
ing four different storylines
together and intertwining
them to produce a successful
and entertaining story that fans
will greatly enjoy.
Filled with suspense,
action, and humor, The
Avengers provides an entertain-
ing movie experience for audi-
ences of all ages. After seeing
the film, one can clearly under-
stand why it is breaking box
office records. Dont forget to
stay for the end credits for two
extra scenes. For an even better
experience and more action,
see the film in Imax 3-D; it is
well worth it!
The Avengers is rated PG-
13 for intense sequences of
action and is now playing in
theaters everywhere.
olitions and renovations, and
even outdoor lighting and
water features.
Owner C.J. Whitty and
his crew are committed to
providing the utmost quality
of service. Calls for service
will include not only the
newest pool technology and
the highest quality materials,
but also a visit from the
owner himself. C.J. stands by
his brand and is proud to
ensure all quality, all the
time. Customers are also
encouraged to come in to the
storefront for a free water
testing analysis and to browse
their full line of water bal-
ancing chemicals.
For more information or
to take your first steps toward
a new pool, visit All Service
Pool & Spa at 217B
Hamburg Turnpike in
Bloomingdale, online at
www.allservicepoolandspa.co
m, or call 973-835-2220.
May 30, 2012 Zone 1, Page 21
All quality, all the time at All Service Pool & Spa
To Advertise
Call 973-696-8008
The Avengers:
Power-packed action By Will Brucella
prong), and replace the bas-
ket section that holds stones
(cost varies based on the size
of the stone and type of
metal). Either way, each of
these choices is much cheap-
er than replacing a lost dia-
mond.
If you have lost your
stone, don't fret! We have
tens of thousands of stones in
stock of all sizes and qualities,
all fairly priced. In most cases
we can have your stone
replaced or an item repaired
while you wait!
Remember: Just because
a diamond is forever doesn't
mean that it's forever in your
ring!
This information is
brought to you by Boston
Louis Jewelers, located at 151
Newark Pompton Tpk in
Pequannock. They can be
reached at 973-694-9073.
Have you lost it?!
May 30, 2012 Page 22, Zone 1
B
urger DeLuxe in
Wayne is far from your
average burger joint.
Although branding says
burger, the menu is full of
heavenly manifestations in
the form of specialty entrees,
homemade appetizers, and
knee-weakening desserts.
I need to preface this
review by telling you that I
just came back from a four-
month stint in Scotland,
where ... well, lets just say
the food variety is subpar. As
a self-acclaimed foodie and
recovering glutton, a country
with restaurants that serve
half portions and then charge
double does not jive well for
me. Since Ive been back in
the States I have been on a
rampage, absolutely gorging
myself with all the best foods
in the area. When we were
contacted by Zeki Yesilyurt
at Burger DeLuxe, I was all
too happy to try it out.
Zeki started off by bring-
ing us some of his homemade
appetizers, stressing that the
majority of the food served is
homemade. He placed a large
bowl full of loaded nachos, a
plate with warm pita neatly
arranged around a bowl of
some of the best hummus Ive
tasted, and savory spinach
pastry pies filled with creamy
feta. Clearly each dish was
made from scratch, explod-
ing with flavor and prepared
with the proper consistency.
Additionally, each appetizer
Zeki brought out had a spe-
cific sauce to complement it.
Guiltlessly, I dove into the
nachos, with alternating
bites of the spinach pies and
pita, almost forgetting that
there was much more to
come.
Burgers are the obvious
specialty at Burger DeLuxe
and certainly for good rea-
son. My mind was blown at
some of Zekis interpretations
of the hamburger, from the
French Onion Burger to the
Salmon Burger, and even the
spicy En Fuego. The second I
bit into the French Onion
Burger, I knew it was true
love. A brothy juice poured
from the meat as bits of
caramelized onions and Swiss
cheese joined it. The only
way I could describe my
experience with this burger
was feeling like I had actual-
ly bitten into French Onion
Soup.
My partner took one
bite of the En Fuego burger,
with its jalapeos,
habaneros, and pepper jack
cheese, and instantly grabbed
for his homemade watermel-
on lemonade. With a grin on
his face, he exclaimed, Now
that is on fire! Each bite of
meaty goodness confirmed
for us why the Burger
DeLuxe burger was recently
rated one of the top five in
New Jersey.
Beyond the burgers are
several specialty entrees,
including the creamy Skillet
Mac and Cheese, the pan-
seared salmon, and even a
fish and chips platter. Salads
and sandwiches are also
available, including the BD
Grilled Cheese, oozing with
four cheeses, bacon, and
tomato. I will dream about
that grilled cheese for the
rest of my life. Served on
pressed sourdough bread and
lightly crusted with
Parmesan, it was easily the
best Ive ever had. But thats
not all.
The dessert menu was
calling no, shouting my
name. Desserts are hit or miss
at any restaurant. Some have
a long list but nothing excit-
ing, while others have only
one or two available. This
list had both the quantity
and quality sweet-tooths
crave, including fried Oreos
and cheesecake, a Toll House
cookie sundae, a wide variety
of specialty cupcakes
(including cookie dough,
which I inhaled in seconds),
and of course, milkshakes.
Located at 1420 Route
23 North in Wayne, Burger
DeLuxe is more than just a
burger. Stop in to try one of
its many delicious options,
and maybe even fall in love
with the French Onion
Burger the way I did. For
more information visit
www.theburgerdeluxe .com,
where you can also order
online, or call 973-305-0033.
Far beyond a burger at Burger DeLuxe By Joe Pellegrino, Jr.
Up to 6 People. Valid on Food Only. Not valid w/credit
card payments. 1 coupon per table. Exp. 6/30/12. LLa
Up to 6 People. Valid on Food Only. Not valid w/credit
card payments. 1 coupon per table. Exp. 6/30/12. LLb
With This Ad Receive With This Ad Receive
754 Totowa Rd, Totowa 973-942-8229
www.barnyardandcarriagehouse.com
YOUR FOOD TOTAL YOUR FOOD TOTAL
May 30, 2012 Zone 1, Page 23
E
ating healthy doesn't
ALWAYS have to be
boring! These turkey-
stuffed bell peppers are the per-
fect meal for those days when
you're bored of eating healthy.
Shhhh, your taste buds won't
suspect that this dish is low-
carb and protein-filled. Serve
over a bed of greens for a com-
plete meal.
Servings: 5
Here's what you need...
5 organic bell peppers
1 teaspoon olive oil
2 cloves garlic, minced
2 Tablespoons fresh
basil, minced
1 yellow onion, minced
1 Tablespoon fresh
rosemary, minced
1 teaspoon dried parsley
dash of salt and pepper 20
oz organic ground turkey,
99% fat free
1 organic tomato,
chopped
3
4 cup spaghetti sauce
1
4 cup shredded
mozzarella cheese
Bring a large pot of water
to boil, add a pinch of salt. Cut
the tops off the bell peppers
and remove the seeds. Place in
the boiling water, using a spoon
to keep them submerged for 3
minutes or until the skin is
slightly softened. Drain and set
aside.
Preheat the oven to 350
degrees F. Prepare a baking pan
with non-stick cooking spray
and set aside.
In a large skillet heat the oil
on medium. Add the garlic,
basil, onion, rosemary, parsley,
salt and pepper. Cook for about
5 minutes, until the onions
begin to soften.
Add the ground turkey and
continue to heat until the meat
is browned. Add the tomato
and cook for another 2 min-
utes.
Remove from heat. Pour the
spaghetti sauce into the turkey
mixture and mix well. Add the
cheese and mix until well com-
bined.
Stuff each prepared bell pep-
per with the turkey mixture
and place on prepared baking
sheet. Cook for 15-20 minutes
until the bell peppers are-
tender.
Nutritional Analysis: One
serving equals: 193 calories, 3
fat, 256mg sodium, 14g carbo-
hydrate, 3g fiber, and 28g pro-
tein.
CASH ONLY. 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. NOT VALID ON HOLIDAYS.
Excludes tax. Expires 6/27/12.
*
LUNCH SPECIAL
6 Choices for
1. Grilled Chicken or Shrimp Caesar Salad
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
6. Fried Shrimp & French Fries
7. Hamburger Platter with French Fries

Cannot combine with any other offers. Coupon must be presented before ordering.
Not valid for parties of 8 or more. NOT VALID ON HOLIDAYS. Excludes tax.
Expires 6/27/12. LIMITED TIME OFFER.
With the purchase
of a beverage.
With minimum
Food purchase of
$35
.00
$
10
Off
$
5
99
*
Not to be combined
with $9.99 or $10.99
coupons.
RESTAURANT
*
CASH ONLY
MONDAY - SATURDAY
With the purchase
of a beverage.
STEAKSCHICKENSEAFOODPASTAKIDS MENU
710 NEWARK POMPTON TURNPIKE , POMPTON PLAINS
973-835-1426 www.gillysrestaurant.com
MONDAY-
SATURDAY
ALL DAY MONDAY TO
THURSDAY
Cannot combine with any other offers.
Coupon must be presented before ordering.
Maximum 1 coupon per table. Not valid for
parties of 8 or more. NOT VALID ON HOLIDAYS.
Excludes tax. Expires 6/27/12.
*
With the purchase of 2 beverages. Up to $20.00.
Buy 1 Entree Get 1 FREE!!!
Turkey-stuffed bell peppers
ture from the nest, only to find
them repatriated under the
parental roof years later.
Let me offer a suggestion
to this dilemma. It is incum-
bent among parents to teach
their children, or if they are
unable to themselves, provide
from experts an education in
financial matters. Further, a
parental boost of opening and
funding a long-term savings or
investment account would be a
wise choice in exposing their
children to the nuances of
money matters, removing the
fears, mystique, and shroud of
darkness surrounding the sub-
ject of money. The days of
opening a passbook savings
account for the kids as their
entire financial education has
gone the way of the dinosaur.
Mutual funds, ETFs, individual
stocks and bonds, life insurance
and annuities, property and
casualty insurance, and person-
al and employer-related retire-
ment plans must be a part of
the curriculum at a minimum.
Investment strategies such as
buy and hold, dollar cost aver-
aging, the Rules of 72 and 115,
and the Trinity Method of
Investing must also be includ-
ed. Developing good habits of
living below one's means and
Dont buy it unless you can
pay for it are rules that should
be memorized like times tables
in elementary school.
As important as it is to
grow a portfolio, it is also
imperative to learn how to pro-
tect a portfolio from all of the
negative forces in life that can
compromise it. One day your
childs portfolio may well
become his major source of
income during his retirement
years.
I advise my clients that to
lend money to your adult kids is
May 30, 2012 Page 24, Zone 1
CLIFTON $299,900
Nice size Bi-Level, 4 bedroom, 3 full
bath, nice size rooms throughout,
potential in-law-suite, newer roof,
newer hot water heater.
Web#2940258
Call Keith Dickman
WAYNE $599,000
Oversized rooms. 5 bedrooms,
3 baths and full bath in lower
level. Convenient location/suit-
able business.
Web#2940693
Call Karen Casiello
LITTLE FERRY $194,900
This 3 bedroom, 2 full bath, colonial
located within close distance to
school and transportation.
Web#2941271
Call Joseph Simone
WAYNE $599,000
Gracious Colonial in desirable Marc
Valley section. Huge entry foyer,
new eat-in kitchen with hardwood
oors and more!
Web#2941645
Call Gene Lowe
MONTVILLE $3,890,000
Estates Of Valhalla custom home
to be built full of sophistication,
elegance and delivering the highest
quality of craftsmanship!
Web#2938241
Call Joseph Simone
WAYNE $499,000
Beautiful Center Hall Colonial
features large bedrooms, open
oor plan and high ceilings.
Web#2939469
Call Michael Ciavarella
NORTH HALEDON $689,000
Spacious and updated custom home
features modern eat-in kitchen open
to family room with replace, huge
formal dining and more.
Web#2941940
Call Joseph Simone
WAYNE $410,000
Great Split Level freshly painted
features ground level family room
with Anderson doors to patio, living
room, and formal dining room.
Web#2940640
Call Joseph Simone
PEQUANNOCK $239,900
Immaculate cape on large level lot!
This fully renovated home features
a modern eat-in kitchen with center
island and maple cabinets.
Web#2940940
Call Shawn Anen
WAYNE $399,900
Great, well maintained home
updates include new oak kitchen
cabinets with granite counter tops
new gas top range and wall oven.
Web#2939173
Call Matthew Penney
WAYNE $749,900
Black Oak Estates center hall co-
lonial on one of the most desirable
streets in town! Home features
spacious rooms and more.
Web#2938920
Call Joseph Simone
WAYNE $309,000
This 3 bedroom Cape, large kitchen,
large living room, great location,
subject to bank approval.
Web#2941460
Call Keith Dickman
2012 Independently Owned and Operated by the Rand Family and Licensed in NY, NJ, and CT
PREAKNESS REALTY
Established 1968
P r e a k n e s s R e a l t y h a s J o i n e d B e t t e r H o m e s a n d G a r d e n s R a n d R e a l t y
Same Faces...
NEW NAME
MARIA FERRITO
973-986-6914 Cell
maria.ferrito@century21.com
NJAR MILLION DOLLAR
SALES CLUB 2001
NJ CIRCLE OF EXCELLENCE
2002-2011
Consistent
TOP PRODUCER
in the WAYNE area.
GEMINI LLC ReaIty 973-696-1111x131
197 Berdan Ave., Wayne, NJ
Townhome Specialist
Relocation Agent
Call
MARIA FERRITO
for CURRENT MARKET
VALUE OF YOUR HOME
SUMMER IS COMING....
nterested in buying or selling
at the Jersey Shore?
Member of Ocean County MLS
Wayne Office #1 Listing Agent
SHORT SALE AGENT
Owe more than your
home is worth?
2010 Coldwell Banker Real Estate LLC. Coldwell Banker
is a registered trademark of Coldwell Banker LLC.

An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC.
RESIDENTIAL BROKERAGE
REALTOR
1410 Valley Rd., Wayne, N1 07470
973-694-8000 Office
973-633-6829 Fax
www.coldwellbankermoves.com
Patti Tahan
Manager
Want A Future??
Be in charge of your income,
your time and your life.
A real estate career affords
you independence!
Work with Coldwell
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Providing for your family
continued on next page
really a gift and to expect its
repayment would be unwise.
Though we teach them to
replenish the well from which
they drink so it will have the
ability to bring forth life-saving
revenue once again, it usually
goes unheeded. There are
always exceptions, but my
experience has taught me prag-
matism.
Yes, an education is one
way of providing. Helping
them with the down payment
for their first home purchase is
another. Sharing your morays
and feelings about money is a
form of providing, as is provid-
ing sound financial advice.
Receiving a big inheritance or
a lawsuit settlement are others.
However, to leave a large lump
sum at your demise is hollow
and without meaning unless
accompanied by a plan to pro-
tect, preserve, and perpetuate it
for themselves, your grandchil-
dren, and beyond.
Each of us as individuals
has ideas and thoughts about
providing for ourselves and our
spouses or life partners once we
stop earning a paycheck. We
think about leaving our kids an
May 30, 2012 Zone 1, Page 25
GREEN POND $1,399,000
Green Pond-Beautifully crafted 3BR/2.1BA
LAKEFRONT. Fully furnished 3 level home/priv
dock/2C.Gar. KIN5934
Kinnelon/Smoke Rise 973-838-9300
WAYNE $279,000
Conveniently located - 3BR Cape with open Flr.
plan/E-I-K w/breakfast bar/Deck/fenced yard.
KIN5911
WAYNE $359,000
Feels like living in a NYC loft! Bright, spacious
3BR, 2.5 bath Townhome with HW flrs., MBR
with 3 closets, fin. LL & 2 car gar. Great Value!
WYN0215
Wayne 973-694-8000
WAYNE $259,900
Affordable Exp. 3BR Cape in Packanack Lake
with HW flrs., LR with fplc., DR, 2 updated
baths, lg. MBR with att. Bath, 2 zone heat & gar.
No Flood! WYN0025
Wayne 973-694-8000
WAYNE $379,900
Custom 4BR, 3 bath Bilevel with in-law suite po-
tential renov. With custom kit., FR, Great room
with fplc., covered patio, newer roof, windows +
MORE! WYN0065
Wayne 973-694-8000
SPARTA $449,000
Water Edge community, Center Hall 4BR, 2.5
bath Colonial with open floor plan, cathedral
ceiling, 2 car gar. & more on private 2.43 acres.
WYN0305
Wayne 973-694-8000
WAYNE $399,900
Fantastic 3BR, 3 bath Ranch with FLR & FDR
with fplc., HW flrs., newer kitchen & open floor
plan. Beautiful property! WYN0310
Wayne 973-694-8000
WAYNE $579,900
Well maintained 4BR, 2.5 bath CH Colonial in
great loc. With open floor plan, fin. Bsmt, Great
Room & MORE on huge level private property.
2 car gar. WYN0222
Wayne 973-694-8000
WAYNE $689,000
Viscaya Estates Hilltop, 4BR, 3.5 baths Colonial
with open floor plan, 1st MBR Suite, fin. w/o
bsmt., full bath. Near everything! WYN0007
Wayne 973-694-8000
WAYNE $499,000
Desirable 3BR, 2.5 bath end unit with open floor
plan. Kit/sep. breakfast area, lg. LR/Dining area
+ fin. Lower level, w/o to patio. 2 car gar.
WYN0232
Wayne 973-694-8000
WAYNE $423,000
Lovely updated 3BR, 2.5 bath Split with LR, DR,
EIK, FR, office/4th BR, CA, 2 car gar. + Home
warranty. Walk to NYC bus. WYN0386
Wayne 973-694-8000
KINNELON $246,000
Kinnelon Heights-55+Community - 2BRS
2BTHS/ EIK w/Mtn views/W/D in Unit/1C Det
Gar. KIN5987
KINNELON $252,000
Triplex Unit-2BRS 3.1 BTHS, 1C Gar. Quiet
neighborhood/only mins. to transp. Must be
55+. KIN2146
KINNELON $425,000
Fayson Lks-3BR 2BA Cust. Exp. Ranch close to
beach, clbhouse/tennis. Many renovations in
'09, heated 2C. Gar. KIN5829
KINNELON $850,000
Smoke Rise:- Remodeled 6BR 5.1BA Custom
home w/3C. Gar. on over 6 Priv.Acs., indoor
heated pool. Spacious In-Law Suite. KIN5091
KINNELON $895,000
Smoke Rise-Elegant brick French Prov. ex-
panded R. w/cir.dr./magnif. sunsets/winter Lk
views. KIN5943
RIVERDALE $249,900
The Grande 1BR Chestnut model with loft,
loaded with upgrades, HW flrs., cathedral ceil-
ings. 2 active clubhouses, pools, gyms, etc.!
WYN0395
Wayne 973-694-8000
KINNELON $825,000
Smoke Rise-5BR 3.1BA Country French Home,
EIK, Grt.Rm, soundproof Theater Rm, 2C.Gar.,
Slate Roof. KIN5991
POMPTON PLAINS $479,000
Unique 4BR Tudor with lg. LR, FDR, newer EIK.
1st floor MBR & more set on a wooded lot a few
mins. From schools, shops & trans. WYN0687
Wayne 973-694-8000
KINNELON $499,000
Smoke Rise-Opportunity! Great location-Prop-
erty backs up to bird santuary!5BRS/6C.Gar./lots
of space w/unique qualities. KIN5895
KINNELON $550,000
Saw Mill Ests-Col./Tudor - 4 BRS, 2.1BTHS,
EIK, H/W Flrs/Brick FP/MSTR Suite/Fin LL/2C.
Gar. KIN5847
KINNELON $599,000
Fall In Love! Old world charm & character. 3BR
Stone Col. nestled on 7+Acs. Oppor. to have a
horse on property. KIN5884
GREEN POND $1,875,000
LAKEFRONT-Cust. blt. 3/4BR 5.1BA home
boasts over 5,000 SF of luxurious living at
Green Pond. KIN5933
WAYNE $399,900
Lovely updated & expanded 4BR, 2 bath Cape
in Packanack Lake with EIK, HW floors, fplc. &
gar. Near schools, shops & transp. WYN0354
Wayne 973-694-8000
continued from previous page
May 30, 2012 Page 26, Zone 1
0051 AUTOMO-
BILES WANTED
WE BUY CARS !
WE BUY TRUCKS !
RONNIE'S IN
WAYNE
973-616-7900
WE PAY FOR
JUNK CARS
973-220-0202
SERVICES
0610 - 0959
0655 SERVICES
CARPET
G&S Carpet
CIeaning
& FIoor Service
ResidentiaI
& CommerciaI
973-839-6436
0684 SER.
COMM/RESI.CLEAN
0685 SERVICES
CLEANING
Mariya's CIeaning
Service
Ukrainian ladies clean
your home or office to
your complete satisfac
tion. Exper. Refs Avail
CaII 973-557-3621
POLISH GIRL,speaks
English. Exper. & with
References can clean
your house.Call Anna
201-421-7887
0686 CLEANOUT
SERVICE
All appliances,
unwanted junk, scrap
metal, bldg. materials.
Tear down & take
away sheds. Attics &
Bs'mnt cleaned.
Things your garbage-
men wont pickup.
WE DO !!! CALL
862-200-1283
Dan's Light HauIing
Removal of household
& Construction Debris
Demolition - Free Est.
973-839-7024
0700 SERVICES
CONSTRUCTION
0725 SERVICES
DRIVEWAYS
0730 SERVICES
ELECTRICAL
0766 SERVICES
GLASS
0774 SERVICES
HANDYMAN
0785 SER. HOME
IMPROVEMENT
Home Improvement
By GIenn
All types of work
nside & Out
35 yrs experience
Reasonable rates
"For Someone
who cares"
973-356-5035
0804 SERVICES
LAWN CARE
0825 SERVICES
MOVING
SERVICE DIRECTORY & CLASSIFIEDS
0473 WANTED
ANTIQUE/
COLLECT.
In Business
for Over 30 Years
CASH for GOLD & ANTIQUES
Instant Cash for Precious Metals Jewelry
Antiques Collectibles & More!
973-809-2554 www.cashforantiquesgold.com
AVAILABLE 7 DAYS A WEEK
WE PAY MORE
& COME TO
YOU TOO!!
Call Now For A
FREE Appraisal
State Certifed with the
Weights & Measures
and Bonded
GOLD
Well Beat Anyones Price!
Jewelry &
Broken Jewelry
Coins
Dental Gold
SILVER
Silverware
Coins
Vintage Antiques
Antique Tools
Military Items
COLLECTIBLES
Vintage Toys
Some Antique Furniture
Vintage Lighting
Decorative Collectibles
Primitive Antiques
0473 WANTED
ANTIQUE/
COLLECT.
FREE
at Home Shopping
Service
Serving
North Jersey
Proudly for over
60 years!
0656 SERVICES
CARPET/
FLOORING
0656 SERVICES
CARPET/
FLOORING
SERVICE MASTER CLEAN
973.633.0883 201.321.6877
Janitorial Services
Carpet & Floor Care
Residential & Commercial
Green Cleaning:
Daily, Weekly, Monthly
Call For More Information
SINCE 1932 FULLY INSURED
CMR SERVICES
973-703-3039
Cleanouts &
Dumpster Services
Fully Insured NJ Lic #A901
FREE ESTIMATE
Estates Abandoned Prop
Storefronts Basements
Whole House Attics
Regain Valuable Storage!
We dispose unwanteditems inan
environmentally safe way.
10% OFF
withthis ad

Driveways
Parking Areas
New Construction
Asphalt Work
Sidewalks
973-248-1892
call 7 days a week
Owner Operated Licensed
Fully Insured Free Estimates
ASPHALT
MAINTENANCE INC.
Driveways & Parking Lots
973-299-9226
Paving Sealing Curbs
Retaining Walls Pavers
Drains
Patches
Excavation
Free Estimates
0700 SERVICES
CONSTRUCTION
No Job
Too Small
Residential
Commercial
& Industrial
NJ Lic # 15081
Insured & Bonded
973-633-5050
STANDBY & PORTABLE
GENERATORS
NEW & OLD
Construction-Residential
& Commercial.
Fully Insured & Bonded
FREE ESTIMATES
20
%
OFF New Customers
CQ ElectricLLC
973-699-0855
NJ Licence #15600
0766 SERVICES
GLASS
Just Wood
Floors & Decks
973.981.4640
Since 1985 Insured
Free Estimates
Complete Wood Flooring Services
Decks Maintained & Refinished
www.JustWoodFIoors.biz
Just Wood
Floors & Decks
973.981.4640
Since 1985 References Available
Free Estimates
Complete Wood Flooring Services
Decks Maintained & Refinished
www.JustWoodFIoors.biz
0766 SERVICES
DECKS
R.G. Gutters
973-832-4207
Gutter CIeaning
Gutter InstaIIation
Gutter Repair Power Washing
Emergency Service
ALL
WORK
DONE BY
OWNER!
Free Estimates &
20% OFF
Gutter Cleaning For
All New Customers!
ARE YOUR GUTTERS FOWL?
0771 SERVICES-
GUTTERS
0771 SERVICES-
GUTTERS
973-632-6411
Maintenance Repair
Building Remodeling
No Job Too Small or Big!
25 Years Experience
Lic. #13VH06689700
TOM DS HANDYMAN
SERVICE
TRI-COUNTY
www.mrhandyman.com
with this ad
Cannot be combined w/any other offer. 1 per household. Exp. 6/15/12.
REMODELS, REPAIRS
MAINTENANCE & MUCH MORE!
973-696-9393
Insured & Bonded Member of the BBB
NJ Lic. #13VH00608600 NAT-22773-1
Satisfaction Guaranteed!
$22 OFF
Get Your Summer To-Do List, DONE!
CARPENTER
201.913.8044
HANDYMAN
Repair, Remodeling
40 Years Exp.
Pompton Lakes Area
0774 SERVICES
HANDYMAN
NORTH JERSEY
REMODELERS
973-962-1811
Full Kitchens
Bath Specialists
Basements
All Interior
Renovations
Ceilings to Floors
Doors Painting
Windows
Counter Tops
Cabinet Refacing
General Carpentry
COMPETTVE
PRCES
30 Years Experience
FREE ESTIMATES
LC.#13VH01757100
0785 SER. HOME
IMPROVEMENT
NORTH JERSEY
GREENS
973.839.3070
WAYNE AREA
Lawn Service
Weekly &
Bi-Monthly
No Job Too Small

0804 SERVICES
LAWN CARE
0804 SERVICES
LAWN CARE
WE DO CLEAN OUTS
"THE GOOD GUYS"
973.942.8925
Local Long Distance
For Free Estimates Call
MOVING & STORAGE INC.
www.waynemovers.com
Wayne
Expert Piano Moving
Small Jobs Welcomed
Local Moving Specialists
Professional Office Moving
Fully Insured Senior Discounts
May 30, 2012 Zone 1, Page 27
0815 SERVICES
MASONRY
0827 SERVICES
PAINTING
0860 SERVICES
PLUMBING
0861 SERVICES
POOLS
0886 SERVICES
ROOFING
SERVICE DIRECTORY
Q
u
a
lit
y
W
o
r
k
m
a
n
s
h
ip
Interior & Exterior Painting
Residential Specialists
Paper Removal & Installation
Brush Roll Airless Spray
Power Washing
Fully Insured Free Estimates
Your
Satisfaction
Guaranteed
Owner Operated
Where Excellence In
Quality Is Affordable
973-839-7403
Kevin
The Painter
A True Professional
Decorative, Faux &
Textural Finishes, Glazing,
Sheetrock, Spackle,
Repairs & Power Washing
Interior/Exterior
Fully Insured
References available
20 years Experience
973-979-8043
Stephen Fox
Plumbing & Heating
Small Repairs,
Alter, Drain Svc.
INSURED BONDED
973-839-1054
Lic.#7467
973-616-9150
Free
Estimates
Roof Repairs
by
Michael Perna
Vinyl Siding
Replacement Windows
Residential Roofing
35+ Years Experience
973-696-5699
ROSS
ROOFING & SIDING
Kovach
Roofing
Shingles - Slate
Flat Roofs - Gutters
973-835-5330
Senior Citizen Discount
$300 OFF
ANY JOB OF
$3,000 MORE
Tree Removal Lot Clearing
Stump Grinding Chipper Service
Pruning & Trimming
Wood Chips Grading & Excavating
INC.
24-Hour
Emergency
Service
FREE ESTIMATES
FULLY INSURED
Specializing In Dangerous
And Large Tree Removal
973-616-0010 973-583-2844
We will beat any
written estimate
References available
upon request
TREECARE
0861 SERVICES
POOLS
0920 SERVICES TREES
ERICKSON
Masonry, LLC
Pompton Lakes, NJ
973-835-2001
35 Years Experience
'No Job Too
Small or Large"
Longo Construction
973-838-8693
All Types of Brick, Block,
Concrete, Fireplaces,
Foundations etc.
Free Estimate - Fully Insured
Bloomingdale
Zinet Masonry
Construction
973.452.2647
Lic#13VHO3920800
Installation & Repairs
BRICKS, BLOCK &
CONCRETE
CAULKING, ETC.
POWER WASHING
0815 SERVICES
MASONRY
0826 SERVICES
PAINT/POWER
WASH
0826 SERVICES
PAINT/POWER
WASH
0886 SERVICES
ROOFING
CaII KathIeen at
973-696-8008 To
PIace An Ad!
inheritance but not an entitle-
ment, and if there are grand-
children, a lot of grandparents
desire to provide for them in
some way as well. If there were
only more funds to go around
you can imagine I hear this all
too frequently. The bottom line
of every financial plan is simply
this: Both you and your spouse,
your children and grandchil-
dren will be elated, contented,
or disappointed by your ability
or inability to provide during
your lifetime. Now with the
turbulent and volatile econom-
ic times in which we live, it is
imperative that you have a plan
that works and that you
methodically work your plan to
accomplish your financial goals
for everyone that is depending
on you to provide!
Readers: You are invited to my
upcoming free retirement and
estate planning workshop series
June 5, 6, and 7 in Wayne. See
the green flier in this paper or
call us for specific details!
Mark E. Charnet is President
and Founder of American Pros-
perity Group. APG is the pre-
mier retirement and estate plan-
ning franchise in the United
States with 17 offices in eight
states. Charnet is a certified an-
nuity specialist and has over 30
years of experience in the retire-
ment and estate-planning fields.
Creator of the Trinity Method of
Investing, Charnet encourages
your inquiries and can be
reached at 877-885-1274 or
973-831-4424, or via e-mail at
markcharnet@1apg.com.
Check out his website:
www.1apg.com. Interested in a
career in retirement and estate
planning? Check out this web-
site: www.apgfranchise.com.
Securities through BCG Securi-
ties, Inc. Member SIPC,
FINRA and a registered
investment advisor.
only if required by the eligible
education institution for
enrollment. The maximum
credit is limited to the tax you
must pay on your return-the
credit is nonrefundable.
(Special rules apply for AMT.)
This credit does phase out, but
the full credit is generally avail-
able to eligible taxpayers whose
modified adjusted gross income
is less than $52,000 or
$104,000 for married couples
filing a joint return in 2012.
Although several of the
rules and requirements are
the same for both education
credits, taxpayers can elect to
claim only one of these cred-
its for the same student in a
tax year. However, this does
not prevent a taxpayer from
claiming a different credit
(or the same credit) for dif-
ferent students in the same
tax year.
Robert P. Sokoloff, CPA, is lo-
cated at 166 Main Street,
Suite 2, in Lincoln Park. You
can contact him at 973-633-
1001 or by fax at 866-790-
2151. For more information,
visit his website at
www.cpanewjersey.com
Education tax credits
iors. Enjoy fellowship, fun, hol-
iday parties, and trips. The
Golden Key Club meets every
Friday afternoon from 1-3 p.m.
at the Post 174 American
Legion building, 55 Mountain
View Blvd. in Wayne. For more
information, please call
Annette Ford at 973-628-0492.
Mothers & More is a not-for-
profit group for both stay-at-
home and working moms. It
features monthly meetings,
playgroups, mom-and-tot out-
ings, mom-night-outs, and
much more. Members are from
Wayne and all surrounding
towns. Monthly meetings are
on the first Monday of each
month (unless a holiday) at
7:30 p.m. at Our Savior
Lutheran Church, 670 Newark
Pompton Tpke. in Pompton
Plains. Prospective members
are always welcomed. For more
information, call 877-221-1581
or e-mail sbotbyl1@yahoo.com.
The MOMS Club of Wayne
is currently looking for new
members. We are part of an
international support group
for mothers who stay home
with their children, including
those who have home-based
businesses or who work part-
time but are home with their
children during the day. The
group offers a wide range of
activities, including special
programs for mothers, play-
groups and get-togethers for
the whole family. The MOMS
Club also performs service
projects benefiting children in
our community. If you live in
Wayne and are interested,
please e-mail us at mom-
sofwayne@yahoo.com.
The Morning Minyan, a
group of caring people dedi-
cated to observing the tradi-
tion of daily prayer, meets at
7:30 a.m. in the sanctuary of
Temple Beth Tikvah, 950
Preakness Avenue in Wayne.
A light breakfast follows the
15-20 minute prayer service.
All are welcomed!

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S

kin cancer is the most com-

Not to be combined expires 8-16-12

is a registered trademark of Coldwell Banker LLC.

, Since 1906, Americas Premier Real Estate Company

No Job Too Small

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