1340362259june 27 2012 Z2 - Lowrez

I
ndependence Day is a time

of great tradition and cele-
bration here in the United
States. Most of us like to cele-
brate this holiday with a relax-
ing day off of work and a bar-
beque attended by our family,
friends, and neighbors. Burgers
and hotdogs, fireworks, flags,
and parades are the essentials
for celebrating the Fourth of
July. Of all the holidays we
celebrate in our country,
Independence Day is the most
important one for Americans,
yet we often forget why that is
so. Like any other holiday in
the USA, we tend to over com-
mercialize the day through mass
consumerism. When this hap-
pens, we lose sight of the impor-
tant significance of what we are
celebrating; we get so caught up
in the festivities that we miss
the reason for the celebration.
July 4th is not simply a day off
from work to enjoy a burger in
the backyard with a pretty fire-
work display at night; it is a day
that celebrates our freedom.
As Americans, we are
notoriously known as ignorant
about our countrys founding
and the reason for our freedom.
Since I have first started attend-
ing college, I am constantly
made aware of this stereotype. I
have had the privilege of mak-
ing some friends with interna-
tional students who usually
complain about the ignorance
of the American people as a
whole. According to their
observations, Americans are
completely clueless to how their
own country operates. In addi-
tion to that, they have observed
that we also take our rights for
granted. They see how fortu-
nate we are and the freedoms
we have, yet our attitudes
reflect a selfish sense of entitle-
ment.
One of the main reasons
behind our lack of knowledge
results from most of us (myself
included) becoming far too
comfortable with our standard
of living that we often forget
the fact that freedom comes
with a price. Unfortunately,
many people in the United
States do not even know some
Proverbs 3:5,6 God Bless America
Recycled Paper from 30% Post Consumer Waste
June 27, 2012
Zone 2, Vol. 10, No. 13
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The Fourth of July:
The real celebration is FreedomBy Will Brucella
continued on page 8
HAVE A SAFE
AND HAPPY 4TH
OF JULY!
Note: To have your group's
announcement appear in
Community Happenings,
please e-mail the information
in paragraph format to calen-
dar@lifeandleisurenj.com.
Celebrate the Fourth of July at
your towns fireworks celebra-
tion! All Fireworks will take
place at nightfall unless other-
wise noted.
Bloomingdale: Friday, June
29. 6pm. WTB Field. Rain
date: Saturday, June 30.
Lincoln Park: Wednesday,
July 4. Jerry and Dolores Turco
Medical Rehab Center. 503
West Pine Brook Rd. Rain
date: Friday, July 7.
Montville: Saturday, June 30.
9:30pm. Montville High
School Field. Rain date:
Sunday, July 1.
Pequannock: Thursday, June
28. Pequannock High School.
Wayne: Monday, July 2.
Wayne Hills High School.
Rain Date: Friday, July 6.
June 28
Pequannock UNICO is excit-
ed to present a 3-day/2-night
trip to Woodloch Pines Resort,
selected as one of the top fami-
ly resorts in the country by
Better Homes and Gardens.
The trip will run October 24
through October 26. All rooms
have a balcony overlooking the
lake. The food is delicious and
abundant, and there is daily
and nightly entertainment
along with amazing hospitality.
Come join the fun at this out-
standing resort. Rates per per-
son are $399 single; $345 dou-
ble; and $340 triple.
Reservations with a deposit of
$50 per person are due no later
than June 28, with full pay-
ment due August 22. Motor
coach departs at 9am from
Holy Spirit Church parking lot
on Newark Pompton Turnpike
in Pequannock. For additional
information and reservations
please contact Joe Carabello
973-835-0208, Joan Deodato
973-696-3799, or Andy
Vaccaro 973-839-2579.
The Montville AreaTea
Party is sponsoring a panel
discussion entitled, The
Unkind Truth....It is time to
break the silence about the
problem of illegal drugs in
Morris County. The drug
problem has been highlighted
by recent incidences in our
schools and a multi-county
drug bust. Panelists will
include members from the
following organizations:
Montville Drug Awareness
Council, Jacksonville Chapel
Addiction Care Team, the
Morris County Sheriff s
Department, Montville
Township Board of Education
and a local psychotherapist.
The meeting will be held on
June 28th, 7PM, at the
Montville Senior House - 356
Main Road (Rt. 202)
Montville. For information
call: 973-493-0925 or email:
tmtpmontvillechapter@gmail.
com.
June 30
The MTHS Key Club will be
collecting non perishable food
items for the Montville
Kiwanis Food pantry during the
Montville Townships Fourth of
July Parade on Saturday, June
30. Parade goers can bring
canned goods, boxed cereals,
pastas, etc. Look for the Key
Clubs Food Pantry float and
members dressed as various
food items. The food donations
will go to, and bring awareness
to the Kiwanis Food Pantry
located at the Montville
Township United Methodist
Church, Route 202, Towaco.
For additional information, or
visit our website at www.lifeandleisurenj.com
June 27, 2012 Page 2, Zone 2
100% mailed twice a month newspaper
234 Main Street, 2
nd
Floor
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
advertisements that appeal to the entire family; the final determination of which is made by the Life & Leisure. Views expressed in Life & Leisure are
those of the respective columnists and writers, and do not necessarily reflect those of the publisher, or Life & Leisure. Advertising is open to anyone
desiring 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 the
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products or businesses advertised. 2012 Life & Leisure, LLC. Life & Leisure is a trademarks of Life & Leisure, LLC.
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June 27, 2012 Zone 2, Page 3
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I
s it written or guaranteed in
the laws of compensation
that one who works long
hours or under huge physical or
mental demands for a lifetime
is entitled to a retirement in
the lap of luxury? Where does it
say that people who work hard
for decades have an expecta-
tion or an entitlement of
wealth in their 60s, 70s, 80s,
90s, and even in to their 100s?
Do many years invested in edu-
cation for advanced degrees
offer the keys to the kingdom
and a comfortable retirement?
Where is it written that Im
entitled, assured, pledged,
promised, or guaranteed any-
thing in my future? It isnt! In
fact, the new axiom for retire-
ment planning must be: If it is
to be, it is up to me!
Yet certain people feel
they have it all coming to
them! They feel that time
invested working 95 for the
corporate world equates to dol-
lars they can withdraw out of
the system during retirement.
The problem is, however, the
system was never guaranteed. It
was over-stated, severely over-
relied-upon, and grossly under-
funded. There was never a
quality education offered in
defined contribution plan max-
imization techniques, whether
in school or on the job. A
defined contribution plan is the
real name of a 401k plan.
Further, there were no educa-
tional courses offered on how
systematically to remove the
funds to create a retirement
income to last the rest of your
life from your defined contribu-
tion plan, your IRA, your prof-
it sharing plan, Keogh plan,
SEP, TSA, traditional pension
plan (if you had one), union
annuity, or any other designat-
ed retirement income plan
source. No formal education is
required or offered by employ-
ers, the state, or the federal
government on retirement dis-
tribution planning. The reason
is that no one, no company,
and certainly no government
wants the liability or responsi-
bility!
Self-employed folks have
to pay the premiums of health
insurance costs, workers com-
pensation insurance, disability,
and life insurance premiums in
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Ive worked long and hard my
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arent I? By Mark Charnet
facebook.com/lifeandleisurenj
A
dental implant is an
artificial tooth root
replacement. It is
used to support restorations
that resemble a tooth, group of
teeth or dentures. The implant
is made of a titanium alloy that
allows bone to fuse with it. It is
immovable beneath the gums
allowing a stable base to fabri-
cate missing teeth without
harming the adjacent teeth.
The Mayan civilization
used implants over 1350 years
ago. An x-ray of an ancient
human jawbone showed bone
growth to metal replacement
teeth placed during life. In
1965, after 13 years of research,
orthopedic surgeon Per-Ingvar
Branemark placed the first
dental implant in a human.
Branemark used implants on
those who could not wear tra-
ditional dentures due to excess
bone loss. He revolutionized
medicine and dentistry with
his research in osseointegra-
tion (bone growth to titani-
um).
Dental implant place-
ment requires careful planning.
Medical and dental histories
are a must as are specific x-rays
and anatomical measurements.
The width and length of
remaining bone, proximity to
the sinuses/nerves and the gen-
eral health of the patient must
be carefully assessed. Major risk
factors to the success of an
implant would be smoking,
diabetes, periodontal disease,
bite dysfunction and general
poor health. All of this must be
taken into consideration to
insure a successful, long-lasting
result.
Dentists must receive spe-
cial training to be able to surgi-
cally place and then restore
implants. This education
includes both classroom and
clinical instruction.
Implants can be used to
replace a single tooth. Several
implants may be placed in
order to support a cemented
bridge. Implants provide not
only a look and feel that is very
close to natural, but they are
also permanent, strong and sta-
ble. These implants work like
natural teeth, helping people
to chew better while giving
them the security and confi-
dence in their smiles with
improved health and function.
Dental implants can be
placed in one visit, have a rel-
atively short healing time, and
have little post operative dis-
comfort. These benefits, as
well as the conservation of
tooth structure, make the den-
tal implant highly desirable to
my patients. This technology
has truly changed the direction
of dentistry forever, allowing
dentist to achieve a higher
health standard for their
patients. I am confident that
the work I do with implants
benefits my patients.
Dr. Brusco is a 1980 graduate of
The University of Pennsylvania
and has been practicing in Kin-
Dental implants By Dr. Peter Brusco
W
e all know people
are going through
tough times lately.
That fact, paired with the
highest prices ever for precious
metals, has created a perfect
storm for jewelry theft. If you
read your local police blotter
you will find items
being taken not only
during house invasions
(which are on the rise),
but also at house parties
when parents are away,
or even by relatives.
Because of actions
taken by local detec-
tives, much of what has
been stolen can be
retrieved if the victim
moves fast enough. In the past
few years, buyers of precious
metal items have been made to
document who is selling items
and take an image of those
items. Buyers are also made to
hold onto these items before
dispersing with them for a peri-
od of a few days to a week,
depending on the town. If you
have had a break-in or sudden-
ly notice jewelry missing,
report it immediately to your
police department. If you feel
uncomfortable because you
suspect a friend or relative,
most of the local detectives are
very sensitive to this kind of
situation and often can find
solutions that don't include
someone being brought up on
criminal charges.
If you have been lucky
never to have been the victim
of a theft or robbery, here are
some suggestions that may help
you prepare for the worst:
Get your jewelry and
valuable items appraised.
Having an accurate description
will help police in identifica-
tion and retrieval. This would
include having some kind of
image, be it a photograph or
even one made using a home
copy machine. Update your
appraisals every five years as
values change.
Get a separate insurance
rider for your valuables.
Appraisals are only a
part of your defense.
Most homeowner's
policies cover only up
to about $1,000, so you
are taking a huge risk if
what you own is worth
much more than that.
Get yourself a safe
deposit box at your
bank (They're cheap!)
and put anything you
haven't worn in a long time
and have no plans of wearing
any time soon into it.
Don't invite theft by
leaving your jewelry out in the
open. You may even want to
get a decoy jewelry box and
fill it with costume jewelry.
Find a good hiding place in
your house and put the good
stuff there.
Protect yourself against jewelry theft
continued on page 13 continued on page 15
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E
very summer, home-
owners get the urge to
become gardeners.
Newspapers are filled with
advertisements dealing with
all aspects of gardening, from
when to plant, what type of
fertilizer to use, what tools to
buy, and how to deal with
those pesky insects. What is
not talked about are the sore
muscles and achy backs that
result from ones desire to
become that home gardener.
For a lot of people, gar-
dening is the first true physi-
cal exercise they have
endured since the fall
cleanup. Your mind is ready
to get out there to plant and
garden, but if you do not
warm up those muscles, your
body will later be telling you
something else. Keep reading
for some simple stretching
exercises and back safety tips
to get your body and garden
going.
Warming up the muscles
in the body is essential to
preventing injuries, pain, and
stiffness while working in the
garden. Increase flexibility
with gentle movements or
something as simple as an
invigorating walk. The
smooth coordination of your
muscles and ligaments is an
important part of keeping
Gardening and
your lower back
of their basic rights; and even
worse than that, they misin-
terpret or misunderstand
what a right means and thus
have no understanding of it
at all. If we fail to educate
ourselves on the basic rights
our founding fathers fought
for (and soldiers today con-
tinue to fight for), we do
them a great injustice by
leaving ourselves vulnerable
to forfeiting them. If we are
not aware of what freedoms
we are guaranteed by our
Constitution and how they
apply, we give the govern-
ment the ability to define
them for us, which can even-
tually result in us loosing cer-
tain freedoms; we may not
even realize this!
It is our duty as
Americans to inform our-
selves of the freedoms that
we are entitled to. We need
to make ourselves knowl-
edgeable in regards to our
rights so that they cannot be
taken away from us. The
Fourth of July is a day that
commemorates our freedom
and the rights we won when
the original colonies
declared themselves inde-
pendent of Great Britain.
Many lives were lost for this
cause so that generations of
American people could have
the freedom that was not
always to be had.
Every year we set aside
this special day in the sum-
mer so that we can all join
together and celebrate our
countrys independence. As
we gather around with our
loved ones and enjoy the bar-
beques and fireworks, let us
remember what we are cele-
brating: our nations inde-
pendence. It is our independ-
ence that enables us to live
such lives where we can take
pride in our country as well
as the rights that we the
American people are so for-
tunate to have.
AFTER
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Dr. Harry A. Long
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Dr. Harry A. Long
330 Ratzer Road Wayne, NJ 07470 973-685-6984
smiIemakeoverwaynenj.com
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The Fourth of July: The real celebration is Freedom
continued from page 1
hard work safe when garden-
ing. Before starting, do some
simple stretching exercises to
avoid hurting your lower
back. These exercises are
some examples that will start
you on your way:
Lower Back Extension
-Stand with feet shoulder
distance apart.
-Reach overhead with both
arms, keeping your elbows
straight.
-Watch your hands during
the movement.
-Arch your back and hold.
-Return to the start position.
-Perform this exercise in four
seconds and repeat 10 times.
Lower Back Lateral Shift
-Stand with left side to wall.
-Place hand on wall at shoul-
der level.
-Keep arm straight and feet
together.
-Slowly shift your hips
toward wall.
-Return to start position.
-Perform this exercise in four
seconds and repeat 10 times.
-Turn right side to wall and
repeat.
Lower Back Flexion
-Lie on back, bend left knee
up, and place hands around
knee.
-Grasp knee and pull toward
chest.
-Hold for five seconds and
slowly extend leg back down.
-Repeat with right leg.
-Continue exercise, alternat-
ing legs, and repeat 10 times.
Do not overexert your
lower back. The lower back,
or lumbar spine, bears most
of your body weight, making
it most vulnerable to pains
and problems. The lumbar
spine consists of five verte-
brae. Between the vertebrae
are jelly-like materials en-
cased in tough cartilage
called discs. The discs facili-
tate movement of the spine,
serving as shock absorbers
and reducing friction. Know
your strengths and limita-
tions. Vary your activities.
Take intermittent breaks and
drink plenty of fluids.
Avoid bending over
repeatedly while performing
ground-level work like weed-
ing, planting, spreading grass
seed, etc. Get closer to the
ground by kneeling or sitting
on the ground. A small stool
or chair may also be helpful
for these tasks.
Lift plants, shrubs,
stones, dirt, and other heavy
materials by letting your arms,
legs, and thighs carry the bulk
of the weight. With knees
bent, squat down keeping your
back straight and arms close
to your body. Lift the object,
keeping it close to your bodys
torso and center of gravity.
Remember your strengths and
limitations; always handle
smaller and more manageable
loads at a time.
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
Sensory Integration
Speech Therapy
Childhood
Weight Loss
...then give us a call 973.616.8300
Conveniently Located On Route 23 South
At 615 Route 23 Pompton Plains
973-839-5666
Authorized Service Center & Dealer
For Most Major Brands
Mon. - Fri. 9:00 a.m. - 5:00 p.m.
Sat. 9:30 a.m. - 4:00 p.m.
www.vacshackinc.com www.vacshackinc.com
Since 1976
SALES SERVICE REPAIRS
Eureka
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42
99
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119
99
Eureka
Optima
Soft Grip Looped Handle
Telescopic Handle
Motorized Brushroll
No-tip/Anti-clog
Tools-on-Board
Power - 12 amps
Cord Length - 20ft.
$
59
99
LARGEST VACUUM PARTS SELECTION IN NEW JERSEY
Hoover
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$
199
99
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5 Spin Scrub Brushes
On-Board Powered
Hand Tool for Stairs,
Upholstery
24 Cord
1 Year Warranty
Performance
Plus
Platinum
$
229
99
Powerful
12-amp Motor
Motor Protection System
QuickDraw Tools on Board
TriForce Agitator
30-Ft. Power Cord
HEPA Filter
Not valid with other offers. Expires 07/25/12
Buy 2 Packages of Same
Type Bags (3 pack size only)
& Get 1 Pack of the
Same Size FREE
FREE
Vacuum Bags!
With this coupon only. Not valid with other offers.
Expires 07/25/12
10%
OFF
On All
Vacuum Repairs
All Brands Serviced
1400 Watt motor
Convenient for carpets and hard floors
Lightweight, compact design
Deluxe on board accessories
Metal telescope wand
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279
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299
00
Special
Gardening and your lower back
continued on next page
While performing gar-
dening tasks in the standing
position, long-handled tools
provide leverage and help
reduce stress on the lower
back. These tools help avoid
having to bend while per-
forming tasks such as digging,
raking, sowing, pushing, and
mowing. Always remember
to switch hands frequently.
Repetitive motion on one
side can bring on progressive-
ly serious joint imbalances
and may produce postural
misalignments and pain,
including muscle spasms in
the lower back. Change posi-
tions frequently, avoid
unusual and awkward move-
ments. By doing this you will
have better circulation,
mobility, and reduce the pos-
sibilities of muscle strain
injuries.
If the aches and pains of
gardening are slowing you
down, there are ways to alle-
viate the pains. Apply an ice
pack to the injured area dur-
ing the first 48 hours of
symptoms. If symptoms con-
tinue past the 48 hours, apply
moist heat to the affected
area. Do not put off visiting
your chiropractic physician.
Studies show that chiroprac-
tic care is more effective than
traditional treatment for
lower back pain, especially
when caught at its earliest
stage. Chiropractic physi-
cians are health care special-
ists trained to diagnose and
treat problems relating to
your spine and nerves.
For more information,
call Drs. Eddy Fischgrund
and Steven Dickert at
Advanced Chiropractic
Care, 973-305-1002. They
are located at 61 Beaver
Brook Road, Suite 103, in
Lincoln Park (across from
Shop-Rite).
Drs. Fischgrund and Dickert
have combined for over 50
years of experience and love of
the area. They use gentle chi-
ropractic treatments to help
thousands in their community
feel better and live healthier,
more productive lives.
- ./,.// 1
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- , ,,/
- ,,, ;
,/. /./.// ,.
(,

;,., .
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,,/
An Alternative
Healthcare
Solution
973-616-4555
18 Newark Pompton Tpke., Riverdale
, // /.,
, ; . .,,./
/
Partials Repairs
Extractions
Tooth Whitening
Nitros Oxide Sedation
Gum Treatment
Dentures Implants
Most Insurance Accepted
LINCOLN COMMONS
DENTAL ASSOCIATES
Mark De Fonte, DMD
59 Beaverbrook Rd., Suite 301, Lincoln Park, NJ
973-686-0060
NEW PATIENT (No Insurance) SPECIAL
Exam, Prophy & Xray $115
Latest Cosmetic Techniques
Crowns & Bridges
Root Canals
Gardening and your lower back
continued from previous page
To Advertise
in Life & Leisure
Call 973-696-8008
facebook.com/lifeandleisurenj
I
ntestinal parasites can
cause debilitating med-
ical problems to dogs and
cats, and even to us humans!
Most pets will have worms
at some point in their life-
times. These worms are most
commonly seen in puppies
and kittens but any animal
is susceptible, even a pet
that never goes outside.
Roundworms, hookworms,
whipworms, giardia, and coc-
cidia are the most common
culprits of these infections.
Routine dewormings and
fecal examinations are the
mainstays of identification
and treatment of these para-
sites. Year round total para-
site control, usually in the
form of a monthly heartworm
preventative, is the way to
decrease the incidence of
intestinal parasite infections.
Fecal exams performed
by your veterinarian can
diagnose intestinal parasites
by identifying the eggs of the
worms. Adult worms like
roundworms, hookworms,
and whipworms are usually
not shed in stools, making
identification by the pet
owner difficult. However, the
eggs of these worms are pres-
ent, though they are shed
intermittently. These eggs
are microscopic and too
small to be detected with the
naked eye. The Companion
Animal Parasite Councils
guidelines recommend fecal
examinations two to four
times during the first year of
life and one to two times per
year in adults, depending on
health and lifestyle factors.
Roundworms are the
most common intestinal par-
asite of dogs and cats.
Roundworm eggs are shed in
the feces of dogs and cats and
are spread when animals or
people come in contact with
the feces or soil. These
worms can also be transmit-
ted to puppies before they are
born and to kittens through
infected milk from the moth-
er. Roundworms can cause
diarrhea, vomiting, and the
potbelly appearance seen in
many puppies. Roundworms
do pose a significant risk to
humans. Contact with con-
taminated soil or feces can
result in human ingestion
and infection. Children are
more vulnerable to exposure
because they are more likely
to put dirt or other objects
into their mouths. Round-
worms in humans can cause
fever, lung and liver damage,
and even blindness.
Hookworms are also a
common parasite in dogs
and cats. These worms are
acquired by adult pets
through skin penetration and
ingestion of larvae in con-
taminated soil. Puppies and
kittens can also be infected
across the placenta and
through milk. These worms
hook themselves to the intes-
tinal wall and feed on blood,
and can rapidly cause anemia
and sometimes black, tarry
stool. Hookworm larvae can
infect humans by penetrat-
ing the surface of
a person's skin, typically
through bare feet. This
results in itchiness at the
point where the
larvae enter the
skin and visible
tracks on the skin
from the worms
migration called
cutaneous larva
migrans.
Whi pwor ms
infect only our
dogs, not cats. The
worms are passed in the feces
and can cause bloody diar-
rhea in dogs. The biggest
issue with whipworms is how
tough they are in the envi-
ronment, surviving adverse
conditions and extremely
resistant to drying. This
makes prevention and diag-
nosis very important.
The good news is intes-
tinal parasites are easily
treated with medication as
prescribed by your veterinari-
an. The Companion Animal
Parasite Councils guideline
for deworming and preven-
tion is as follows: Administer
dewormer to puppies at two,
four, six, and eight weeks of
age, followed by administra-
tion of a monthly preventive.
Administer bi-weekly de-
wormer treatment to kittens
between three and nine
weeks of age, followed by
administration of a monthly
preventive. Administer year-
round treatment with a
heartworm preventive that
has broad-spectrum activity
against intestinal parasites. If
your pet was positive for
worms, rechecking the feces
is important to make sure all
worms have been eliminated.
This is not a complete
list of intestinal parasites and
is not meant to scare you into
fearing your pet, but to vali-
date the importance of regu-
Exams important to detect pets parasites By Dr. Matthew Krupnick
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 7/25/12
15% OFF
Exam Fee
ONE TIME ONLY. Limit 1 per pet.
Not combinable w/other offers. Expires 7/25/12
O
p
e
n
S
a
tu
r
d
a
y
s
www.PequannockVet.com
Y
ou can hear that
famous voice singing
Schools out for sum-
mer! throughout the halls as
students run to their last bus
ride home. Even though Alice
Coopers classic tune is being
chanted by students nation-
wide, parents are dreading
their kids' idle time at home
for the next two-and-a-half
months. What should we do
with them all summer long?
this is the question shared
among parents and guardians
everywhere you turn. Brainy-
Acts is the answer!
Free time during the sum-
mer is the perfect opportunity
to prepare your students for
the upcoming school year.
Along with diving into the
pool, students must dive into
preparedness for educational
success. Taking a few hours a
week practicing math, review-
ing language arts, and studying
science and history will con-
struct a strong platform for
your children to be able to
launch their new school year.
Upon starting school in
September, students should be
ready to dive into their new
grade level with enthusiasm
and confidence.
Brainy-Acts keeps your
students' attention by imple-
menting a variety of tech-
niques to make learning diffi-
cult subjects fun. When the
brain is engaged and studying
is comfortable, your memory
opens up and takes over. It is
our goal at Brainy-Acts to
make learning as productive
and as exciting as possible, and
to produce enthusiastic edu-
cated students and positive
results for all to share.
Plato said: Do not train
children to learn by force and
harshness, but direct them to
it by what amuses their minds,
so that they may be better able
to discover their genius
inside. Collectively, Brainy-
Acts, our teachers, technology,
and interactive and exciting
lessons will help your students
discover their inner genius and
will encourage them to strive
for their biggest goals and per-
sonal success, while preparing
them, with coaching, for the
real world that awaits them
upon graduation.
School is out for summer,
but is not out forever! So seize
lar fecal exams and year-
round total parasite preven-
tion. To prevent or control
intestinal parasites, consult
your local veterinarian. For
more information on guide-
lines, visit www.petsandpara-
sites.org.
Dr. Matthew Krupnick is the
owner of the Pequannock Ani-
mal Hospital. He grew up in
Kinnelon and is happy to be
home with his wife, three
cats, and two dogs to provide
quality and compassionate care
for your pets in the community.
The Pequannock Animal Hos-
pital is located at 591 Newark
Pompton Turnpike in Pompton
Plains. You can reach them by
calling 973-616-0400.
Read your police blotters.
It can't hurt to be aware if
there is a trend in house inva-
sions in your area.
If you are looking for an
appraisal on your jewelry items,
we have a dedicated gemologi-
cal analysis lab on premise and
certified gemologists on staff.
We perform appraisals for
insurance, estates, and value
confirmations for recent pur-
chases.
This information is
brought to you by Boston Louis
Jewelers, located at 151
Newark Pompton Turnpike in
Pequannock. They can be
reached at 973-694-9073.
HIGHEST PRICES
PAID ON THE SPOT
Paragon Jewelers
Record High Gold Prices
Sell The Gold Jewelry
You No Longer Wear
Rt. 23 N. & Jackson Ave.
Pompton Plains
In The A&P Shopping Ctr.
Next To Home Goods
& T.J. Maxx
973-839-0611
Open Tues.-Fri. 10-6, Sat. 10-5
Gold Now $1,625 oz.
WE ALSO BUY DIAMONDS,
STERLING SILVER & COINS.
Protect yourself against jewelry theft
Exams important
to detect pets
parasites
Schools
out for summer
I
RS Commissioner Doug
Shulman recently said,
Taxpayers should be care-
ful and avoid falling into a trap
with the dirty dozen. Scam
artists will tempt people in-per-
son, on-line, and by e-mail
with misleading promises about
lost refunds and free money.
Dont be fooled by these
scams.
The dirty dozen are the
12 most prevalent scams
detected by the IRS. Taxpayers
should take precautions to
avoid these and other suspi-
cious activities of scam artists.
The following scams make up
the 2012 dirty dozen listing.
Identity Theft. Topping
this years list is identity theft.
The IRS is increasingly seeing
identity thieves looking for
ways to use a legitimate taxpay-
ers identity and personal infor-
mation to file a tax return and
claim a fraudulent refund.
Phishing. Phishing is a
scam typically carried out with
the help of unsolicited e-mail
or a fake website that poses as a
legitimate site to lure potential
victims and prompt them to
provide valuable personal and
financial information that can
be used to commit identity or
financial theft.
Return Preparer Fraud.
Questionable return preparers
have been known to skim off
their clients refunds, charge
inflated fees for return prepara-
tion services, and attract new
clients by promising guaran-
teed or inflated refunds.
Hiding Income Offshore.
Individuals continue to try to
avoid paying U.S. taxes by ille-
gally hiding income in offshore
accounts or using offshore debit
cards, credit cards, wire trans-
fers, foreign trusts, employee
leasing schemes, private annu-
ities, or insurance plans.
Free Money. Scammers
have been preying on low-
income individuals and the
elderly by posting flyers in com-
munity churches, promising
that tax returns can be filed
with little or no documenta-
tion to receive free money
from the IRS or Social Security
Administration.
False/Inflated Income and
Expenses. This tactic is used by
scam artists who file false or
misleading returns to claim
refunds they are not entitled to
receive. One popular scam is to
report income that was never
earned to obtain refundable
credits.
False Form 1099 Refund
Claims. In this scam, the perpe-
trator files a fake information
return, reporting false with-
holding amounts that are sub-
sequently used to file erroneous
refund claims.
Frivolous Arguments.
Frivolous scheme promoters
encourage people to make
unreasonable and unfounded
claims to avoid paying taxes.
Falsely Claiming Zero Wages.
Filing a phony wage-related or
income-related information
return to replace a legitimate
information return has been
used as an illegal method to
lower the amount of taxes
owed.
Abuse of Charitable
Organizations and Deduct-
ions. Misuses of tax-exempt
organizations include arrange-
ments to improperly shield
income or assets from taxation,
attempts by donors to maintain
control over donated assets or
income from donated property,
and overvaluation of con-
tributed property.
Disguised Corporate
Ownership. In this scam,
domestic corporations and
other entities are formed to dis-
guise the ownership of a busi-
ness. They are then used to
under-report income, claim fic-
titious deductions, avoid the
filing of tax returns, or partici-
pate in listed transactions,
money laundering, financial
crimes, and even terrorist
financing.
Misuse of Trusts. Un-
scrupulous promoters have
urged taxpayers to transfer
assets into trusts, promising
reduced taxable income,
deductions for personal expens-
es, and reduced estate or gift
taxes that don't deliver as
promised.
Please contact us if you
are concerned about these or
any other questionable activity.
Robert Sokoloff, CPA is the prin-
cipal with Robert P. Sokoloff and
Associates on Main Street in Lin-
coln Park. He is a QuickBooks
Certified Pro Advisor, and his
firm specializes in tax compliance
and planning, IRS representa-
tion, business start-ups, and vir-
tual CFO and bookkeeping serv-
Dirty Dozen tax scams By Robert Sokoloff, CPA
nelon since 1982. Dr. Bruscos
practice is located at 170 Kin-
nelon Road, Suite 29A in
Kinnelon. You may reach him
by calling 973-838-5862 or
visiting him on the web at
www.drbrusco.com.
ALL AGES WELCOME
Evening Appointments Most Insurance Plans Accepted
Foot & Ankle Fractures
Treating Achilles &
Ankle Injuries
Ankle Instability
Ankle Sprains
Arthritic Foot &
Ankle Care
Flat Feet Bunions
Heal Pain
Crush Injuries
Matthew D. Loughlin
Physical Therapist, Director of
Rehabilitation
When the unexpected happens,
were here with quality care!
www.ActiveFootAndAnkleCare.com
For more information please call
Dr. Braver at 973-831-1774
For more information please call
Matt at 973-616-4555
or visit us at
18 Newark Pompton Tpke. | Riverdale
Richard T. Braver,
DPM, FACFAS
A State-of-the-Art Facility
Specializing in: World Class Foot, Ankle
& Lower Leg Care and Physical Therapy
Royal Car Wash &
Quick Lube would like
to extend to our loyal
customers and to
ALL former
R&S Strauss Customers
For the M
onth of June
$
10
OFF Any
With This Coupon. Cannot be combined with any other offers.
1555 ROUTE 23 SOUTH WAYNE 973-633-1900
FREE WiFi in Waiting Area Hours: Mon-Sat 8am-6pm, Sun 8am-4pm
OIL CHANGE
R&S Strauss
Dental implants
ices. Robert can be reached at
973-633-1001 or
rps@cpanewjersey.com,
or you can visit www.cpanewjer-
sey.com. This information is de-
signed to be for informational use
only. Please consult with us or
your own tax professional
before applying this general
information to your
specific situation.
Dirty Dozen tax scams
To Advertise
Call 973-696-8008
to make a food donation,
contact Joe ODowd at 973-
227-8565.
July 8
The Barn Theatre in
Montville will be hosting a
Flea Market on Sunday, July
8 from 10am-4pm (Rain
Date: Sunday, July 15).
Come shop from a variety of
vendors, including local
shops and crafts, all in one
place, while supporting your
local community theatre.
Spots for vendors are still
available; contact Laura
Kennedy at 201-513-0391 or
lawleekennedy@hotmail.com
for more information. The
Barn Theatre is located at 32
Skyline Drive in Montville,
NJ just minutes off Route
287, Exit 47. For additional
information or directions,
call 973-334-9320 or visit
www.barntheatre.org.
19 Chapin Road, Building D | Pine Brook, NJ 07058 | 877-223-9090
www.ContemporaryClosets.com
Our quality
craftsmanship and
materials make
every project
a masterpiece for
your home.
5%Discount
For Your Order
Over $1,000
15% Discount
For Your Order
Over $2,500
Call to schedule a FREE in home consultation 877-223-9090
Closets Garages Pantries Laundry Rooms Home Offices and More
Free Estimates Fully Insured References Available
Innovative, Full Service
Residential Remodeling,
Crafting Fabulous Kitchens,
Additions, Bathrooms & Master Suites
Transforming Lives By Transforming Living Spaces...
Its What We Do
A Tradition of Delivering Value For Over 15 Years
Loans provided by EnerBank USA (1245 E. Brickyard Rd. Suite 640, Salt Lake City, UT 84106) on approved credit, for a limited time.
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.
Call for an appointment to set up a FREE DESIGN CONSULTATION at our new location 973-696-0333
1016 Route 23 North, Wayne (Just 200 feet after the Alps Road exit) www.advantagecontracting.com
License#
13VH00011000
Our experience with contractors has run the gamut from horrendous
to excellent, but not even our best experience can compare with
dealing with you and your staff.
- Brenda and David B., Wayne, NJ
Whether its a minor remodel or a major home addition,
we treat each project with the same attention to detail while
working toward completion in a timely and efficient manner.
Advantage Contracting also offers project management and full demolition.
We can manage your electrical, plumbing and general carpentry needs as well.
Community Happenings
M
any homeowners
discover leaks inside
their homes after the
winter and spring seasons.
Severe weather conditions, like
last year's Hurricane Irene, can
also contribute to significant
roof problems.
Most roof problems are
visible and can be fixed imme-
diately, said Mark Gargas,
owner of Gargas Roofing and
Construction.
Even with this year's mild
weather, homeowners should
continue checking for any signs
of leaks, especially in hidden
areas such as attics, closets, and
unused rooms. If your roof
needs to be replaced, dont
wait. Putting it off can only
make water, pest, mold and
other damages to your home
worse.
Older roof systems dete-
riorate faster in homes with
poor ventilation and in areas
with wind-driven rains and
heavy snow buildup, said
Gargas. It's important to fix
any roof issues immediately as
that keeps the overall cost
down.
Here are few things to
keep in mind as you decide if
your roof needs to be replaced:
The most common signs
for roof replacement are curling
or decaying shingles, algae
growth on the shingles, and
obvious water stains on the
walls.
Curling, peeling or miss-
ing shingles expose the roof to
water damage and rot, and
make nearby shingles more sus-
ceptible to being blown away,
which accelerates roof damage.
If your roof is older than
20 years, you might want to
consider a new roof system
rather than repairing your
existing roof. To save money,
you can consider re-roofing if
your roof has only one layer.
Other important ques-
tions to consider: How is your
financial situation? Are your
happy with the look of your
roof? Has your decking become
rotted from long term leaking?
Are your insulation and venti-
lation levels adequate?
Today, we have many
types of shingle designs avail-
able. These designs not only
instantly add beauty and resale
value to your home, but can
actually save the homeowner
money. For instance, by
improving the attic ventilation
and installing cool shingles,
homeowners are able to enjoy
cooler homes and save on their
utility bills every month. We
get many thanks from our
clients for this!
Often we are asked about
shingles with a textured look.
These architecturally stylish
shingles have an attractive
appearance, adding depth and
dimension to the roof. They are
heavier and thicker than sim-
ple three-tab shingles, promot-
ing longer life and extended
durability. We install several
brands of architectural shin-
gles. As an added bonus,
we offer Lifetime GAF
Architectural shingles for the
price of 30-year shingles.
Replacing your roof early will save you money!
Our Reputation Is Our Best Advertisement
Serving Passaic, Morris, Bergen & Essex Counties For Over 28 Years!
ADDITIONS RENOVATIONS KITCHENS BATHS FINISHED BASEMENTS
DEMOLITION MASONRY WORK MODULAR HOMES COMPLETE TURN-KEY SERVICE
973-831-5910
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Utzen
0scounts
Established 1948 A Professional Roofing Company
WE DO SMALL REPAIR JOBS
NJ Lic# 13VH00222500
W
e
U|ean
Poofs
Roof Removal Slate Tile Wood Shingles Skylight Repairs
Rubber Roofs Flat Roofs Leaders & Gutters Chimney Repairs Solar Panels
With coupon. May not be combined with any
other offers. Expires 8/31/12.
www.Kovachroofing.com Email: Kovachroofing@aol.com
Nohod, 0o.ers \ou 8etter
WAYNE POWER
WASHING
House Washing
Roof Washing
Deck Restoration
WASH & SEAL
Hot Water Washing for the cleanest results
Power washing is our only business
Protect your investment
HONEST ANSWERS
973.835.6739
Wolmans Certified
Contractor
Power Washers of
North America
973-838-0866
CALL US NOW FOR A FREE ESTIMATE
Office/Fax 973.628.7230 Cell 201.390.0682
RNC
give
your home a
NEW
look.
Family Owned & Operated Since 1988
Just honest, quality work.
ADDITIONS
KITCHENS/BATHROOMS
BASEMENTS ROOFING
STONE WORK TILE
WAYNE, NJ Call Rich Hoefling
Construction
FREE
ESTIMATES
NJ State Licensed
Home Improvement
Contractor
#13VH02187700
Around the
Community...
Thanks to many customers
and employees the food drive
this spring was a success.
Donations collected in the
Lincoln Park branch were
donated to Lincoln Park Food
Pantry located at the
Community Center. The
donations collected at the
Montville office were donated
to the Montville Kiwanis Food
Pantry located in the
Montville United Methodist
Church. Monetary donations
were also collected and were
donated to the food pantries as
well. Each Food Pantry servic-
es residents from their respec-
tive town. During the spring
and summer months there are
fewer donations to the Food
Pantries and with increased
requests for assistance the
shelves are empty. Here is a
small sample of food that was
collected during the food
drive. Thank you to everyone
who donated for making this
food drive a success, and for
helping your neighbors!
The G.F.W.C Montville
If you think your roof
might need repair or replace-
ment, call Mark for a free no-
obligation estimate. He will
carefully inspect your roof and
give you his honest opinion and
best advice for your type of
house. Gargas Roofing can be
reached at 973-772-8080.
- Fast, On-Time
Professional Service
- 24 Hour Emergency Service
- Satisfaction Guaranteed
- Senior Citizen Discounts
- Financing Available
- Also Providing
Professional Roofing
Services
Chimney
Fire Place
Cleaning
& Repairs
SERVING ALL
OF NEW JERSEY!
Full Drainage Systems
Sump Pumps Drywells Lawn Drains
Mold Remediation
Basement Remodeling or Refinishing
Free Estimates Fully Insured Local References Proudly Given
Lifetime Warranty NJSLIC#13VH00820600
No Pushy Sales People! Deal Directly With The Owner!
Proudly Providing Quality Service for
Over 30 Years!
THE LOCAL GUYS YOU CAN TRUST
F
R
E
E
S
u
m
p
P
u
m
p
With Any FULL DRAINAGE SYSTEM
Booked Before 7/31/12
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
Gargas Roofing & Construction
Roofing Problems?
We guarantee your roof
WILL NEVER LEAK AGAIN!
Fully Insured
Local References Gladly Provided
All Work Guaranteed Free Written Estimates
NJHIC# 13VH00344800
High Quality Workmanship At An Affordable Price
All work done by our Professionals Owner Operated Owner Guaranteed
Specializing In: All Types of Roofing
Tear Offs Re-Roofing New Roofs Flat Roofs
Wide Selection of Shingles
Gargas Roofing & Construction
Residential & Commercial Roofing & Siding Specialists
FREE
Upgrade To Lifetime Shingles
Call now for more details!
Siding Installation & Cleaning of Gutters & Leaders
On Any Complete Roofing
or Siding Installation
CHOOSE EITHER
~OR~
$
500 OFF
Total Job
FREE
Installation of
seamless gutters
With This Ad. Exp. 8/31/12
UP TO 100FT
973-772-8080 973-772-8080
For more useful info & to help the shingle selection process please visit:
www.gargasroofing.com
Replacing your
roof early will
save you money!
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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
T
his summers block-
buster movies are off
to an excellent start.
Avengers set a high bar for
the summer films to follow.
Although some have already
proved to be disappointing,
others are rising to meet
those high expectations. Men
in Black 3 opened last week-
end after a decade since the
release of Men in Black 2.
Although it has been a while,
MIB 3 picks up with the same
entertaining features as the
first two films that make it
fun and enjoyable.
Men in Black 3:
Back in Black By Will Brucella
Compass Home
Inspection
Call Robert Ruggiero
to Schedule an Inspection
973-634-3514
Buying a house is the biggest investment
of your life. An important part of the
process is the home inspection.
Our inspections are detail oriented,
informative and educational.
Compass Home nspections offers termite
inspections, radon testing, septic inspection,
oil tank testing / searches and
mold inspection and testing.
Mold has become a serious problem and our
certified inspectors can do air quality testing,
mold sampling and mold investigation.
COMPASS INSPECTS 7 DAYS A WEEK
TO WORK WITH YOUR AVAILABILITY.
www.njcompasshomeinspections.com
Email: rruggiero@njcompasshomeinspections.com
FISH WINDOW
CLEANING
6 Haycock Avenue - Riverdale, NJ 07457
973-831-2300
www.fishwindowcleaning.com/697
Independently Owned and Operated
W
e know your home is important to you
so let us help you keep it looking its
best. Our window cleaners can make
your windows and chandeliers sparkle, clean out
your gutters, and even clean your ceiling fans,
light fixtures, and more! We use environmentally-
friendly cleaning products so you dont have to
worry about harsh fumes around your family or
pets. Our professional window cleaners are
respectful of your home and move around
carefully as they are making your windows
shine.
Regards,
Joseph LaFergoIa
Owner
V
incent Gallipoli, CPA, located in Pompton Plains
NJ is a full service accounting firm servicing small
to medium sized businesses. A full range of
accounting and bookkeeping services are available as
well as tax preparation, tax planning and business
consultations. We have experience in filing corporate,
partnership and sole proprietorship returns including
LLC's. The firm also prepares all levels of individual
income tax returns. What sets us a part from other CPA
firms is our personalized service that is only performed
by CPA's and that each of our accountants have many
years of experience.
Vincent Gallipoli, CPA:
Vincent is the proprietor of the firm and has been
practicing public accounting since 1983. The firm was
started in 1991.
Lisa Gallipoli, CPA:
Lisa has been working for the firm since 1991. Lisa
is also a CPA and has her MBA in Finance from Seton
Hall University.
VINCENT GALLIPOLI, CPA
P.O. Box 561
Pompton PIains, NJ 07444
(973) 616-9748
vpaI4@yahoo.com
H
ot, lazy summer days
are too precious to
waste in the kitchen.
Enhance your outdoor leisure
time with a visit to a local
farmer's stand or market to
choose fresh vegetables for this
colorful recipe.
Grilled Vegetable Napoleons
Ingredients:
Substitute or add other
vegetables as you wish. Some
nice additions might be new
potatoes or red peppers.
Although the stacks are attrac-
tive and easy to serve, you may
also arrange the grilled vegeta-
bles and cheese in a casserole.
1/2 cup olive oil
1 large eggplant, cut in 12
slices (1/3-inch thick)
3 medium zucchinis, cut in
24 slices (1/4-inch thick)
3 large tomatoes, cut in 6
slices (1/3-inch thick)
3 medium red onions, cut
in 12 slices
(1/3-inch thick)
3/4 cup ricotta cheese
Salt and pepper to taste
2 teaspoons fresh thyme,
chopped
1/2 lb. mozzarella cheese,
sliced 1/4-inch thick
6 sprigs fresh rosemary
Directions:
Preheat barbecue and set
on low. Brush vegetables with
olive oil, season with salt and
pepper, and grill slowly until
tender, turning once. Transfer
the vegetables to a tray, arrang-
ing them in a single layer, and
cover tightly with plastic wrap.
The vegetables may be grilled a
day in advance, and refrigerat-
ed after cooling. Bring the veg-
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 7/25/12.
*
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 7/25/12. 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
*
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 7/25/12.
*
With the purchase of 2 beverages.
Buy 1 Entree Get 1 FREE!!!
Recipe gives a tantalizing taste to
Grilled Vegetable Napoleons
addition to the required contri-
butions necessary to fund a
retirement plan in order to look
forward to any income over
and above the minimal social
security benefits they are forced
to self-fund as well. The pen-
sion plan of your fathers and
grandfathers generation has
gone the way of the dinosaur,
with the exception of govern-
ment and school system
employees. Even if full-blown
pension plans were available
today, they would be insuffi-
cient to provide for the cost of
living over normal life
expectancy. With current ane-
mic interest rates and volatile
stock markets across the globe,
the required contributions to
be able to guarantee a lifetime
income for each employee
would break the bank of most
employers ability to fund
them.
So what are people to do if
they desire guaranteed retire-
ment income for life and a
guaranteed rising income plat-
form from which to base it?
etables back to room tempera-
ture before proceeding.
Assembly:
Stir together the ricotta,
thyme, salt, and pepper in a
small bowl. Place one slice of
eggplant on a lightly oiled grill
sheet or foil pan. Spread 1
tablespoon of the ricotta mix-
ture over the eggplant. Cover
with 2 slices of zucchini, 1 slice
of onion, 1 slice of mozzarella, 1
slice of tomato, and 2 slices of
zucchini. Spread 1 tablespoon
of the ricotta mixture over the
onion, and top with another
slice of eggplant. Repeat this
procedure with the remaining
vegetables to make 5 more
stacks.
Insert a wooden skewer
through the centre of each
stack to create a hole from top
to bottom. Remove the bottom
leaves from each rosemary
sprig, leaving one inch of leaves
on the top. Insert 1 sprig into
the centre hole in each
napoleon, and return to the
barbecue.
Heat for about 10 minutes
on low, or until mozzarella is
melted and vegetables are
warmed through.
Ryan Barry
Mortgage Banker
NMLS# 183464
973-200-3262 Direct 973-454-5183 Cell 973-837-9616 Fax
ryan.barry@njlenders.com
Building a "Family of Clients" with a strong belief in the "Client for Life" Philosophy.
Conventional, FHA, VA & FHA 203k Rehabilitation Mortgage Specialists.
Customized Mortgage Programs Available for Self-Employed Borrowers.
CENTURY 21 CREST REAL ESTATE, INC.
(973) 686-1500 (800) 950-5021
WAYNE $789,000
$2,968 per month
30Yr Fixed w/0 points. 3.875% / APR: 3.924%
NUTLEY $367,000
$1,339 per month
WAYNE $499,700
$1,823 per month
OAKLAND $349,000
$1,277 per month
RINGWOOD $379,000
$1,383 per month
POMPTON PLAINS $549,900
$2,069 per month
WAYNE $297,770
$1,086 per month
GARFIELD $249,900
$912 per month
$1,678 per month
OWN THESE HOMES FOR...
To Qualified Buyers.
Mortgage Payments listed above are based on principal and interest only 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 June 18, 2012. 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 without notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ, NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35286. Equal Housing Lender.
Mortgage Rates Are At RECORD LOWS!
Call today for a complimentary mortgage review.
$1,313 per month
WEST MILFORD $479,900
$1,751 per month
PEQUANNOCK $629,900
$2,370 per month
RIVERDALE $229,900
$839 per month
PATERSON $240,000
$876 per month
May SaIes Person of the Month
For Listings & SaIes
DanieIIe Fiorina
(973) 460-4352
CircIe of ExceIIence SiIver
2011 Masters EmeraId
2011 QuaIity
Service PinnacIe Producer
$1,551 per month
WAYNE $319,000
$1,164 per month
Recipe gives a tantalizing taste
Ive worked long and hard my entire life. Therefore, Im
entitled to a robust retirement income ... arent I?
BOONTON TWP $499,000
5 bedroom, 3 bath Center Hall
Colonial on just under an acre.
Central A/C, 2 car garage.
MONTVILLE $525,000
Historic Van Dyne Estate for sale!
Spacious 5BR, 2 bath quaint &
appealing farmhouse w/3 fplcs,
pumpkin pine & oak flrs, near
NYC trans. Features original barn
w/parking for 4 cars w/2nd floor
studio!
MONTVILLE TWP $599,900
Colonial on about a 1/2 acre.
Towaco Train station nearby! 5
bdrm, 3 baths, Great floor plan, FR
w/vaulted beam ceilings, fplc. &
glass sliders leading to deck! King
sized MB suite w/ full bath &
whirlpool tub! Includes 1 yr AHS
home buyer home warranty!
DENVILLE $450,000
Overlooking Rock Ridge Lake
this 4 bedroom 2 bath, ex-
panded Ranch boasts an atrium
like entry living room, w/fire-
place, formal dining room & loft
w/access to 2nd level deck.
BOONTON $239,900
Spacious 4 bedroom home on
just under an acre. Mountain
Lakes Schools. Great location!
Needs a bit of TLC.
E. HANOVER $549,000
Situated on about a 1/2 acre on
a cul-de-sac. Colonial w/gener-
ous sized rooms, 3 bedrooms, 2
1/2 baths & 2 car garage. Mas-
ter bedroom suite, large family
rm w/sliders to deck!
WANAQUE $285,000
4 bedroom, 2 bath bi-level on
about a 1/4 acre. Modern inte-
rior, finished ground level &
garage.
VERNON $649,000
Incredible 4 bedroom colonial
on over 1.5 acres w/4 car built
in garage. Stunning gourmet
kitchen, huge great room with
fireplace, Inground pool!
MONTVILLE $599,000
Expanded Bi-level w/2 car gar.
in a fine neighborhood! 5BRs, 3
full baths (includes a master
bedroom suite), large FR plus a
finished ground level on over a
1/4 acre! Numerous upgrades
throughout, deck and central
A/C. Steps to school bus stop.
MOUNT OLIVE $319,900
Great move-in ready home on cul-de-
sac in desirable Sutton Park subdivi-
sion. 4br, 3 full baths, hardwood
floors throughout; 2-tier deck built
around pool.
MONTVILLE $455,900
Tudor style 4 bedroom, 2 1/2
bath colonial with 3 car garage
on about an acre. Spacious
room, fireplace and numerous
amenities.
MONTVILLE $699,000
Incredible 3 bedroom, 3.5 bath
custom home on over an acre.
Huge Kitchen, Fam. Rm w/
vaulted ceilings, walk out base-
ment. Master suite w/ bath &
walk in closets, 2 tier deck, 2 car
garage.
MONTVILLE $395,000
3 bedroom, 2 bath brick ranch
on approx. 1/2 acre, Central air.
Well-kept home in a desirable
neighborhood!
FLORHAM PARK $420,000
Lovely split level home feat. 3 bed-
rooms, hw gas heating, central a/c,
replacement windows, w/w carpeting
over hardwood floors, & spacious
deck!
FRANKFORD $499,000
Bank owned lakefront 5 br 3bath
colonial on 200 ft. Long lot. Priv.
Dock, 2 story foyer, family room,
paver patio, avail. Lake membership
Mbr w/priv. Jaccuzzi bath & balcony
overlooking lake.
W. CALDWELL $289,900
Move right in to this renovated home
feat. fin walk out bsmnt, 2 possibly
3 brs, new granite kit, new bth, new
tile flrs, freshly painted, parklike
grounds, hdwd flrs, 1st fl br, 1 car
gar, Owner Lic NJ Realtor.
WANTAGE $140,000
3 bedrooms, 3 bath home is set on
over a 1/2 acre lot and boasts 1 car
garage a walk out basement & hot
water baseboard heat.
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MONTVILLE
TOWNSHIP
RENTAL $1,990
Lovely 3 bedroom home with
landscaped yard! Cathedral style
ceilings & wood burning fire-
place in the living room. Beam
ceilings throughout. Contempo-
rary home with a rustic edge!
Storage shed in yard.
DENVILLE LAND
$299,000
1.18 acres of land for sale,
possible 2 or 3 lot subdivision!
Inspect & Make your offer!
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PARSIPPANY
TROY HILLS $550,000
Newly renovated 4bedroom, 2 bath
colonial on over 1/3 acre lot. C/A
oversz great room, granite kit, ss
appl. hdwd flrs, MBR w/ priv. bth,
full bsmt, plus lg, unfin, 2nd fl space,
2 car gar, laundry on 2nd fl.
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MONTVILLE $339,000
Lovely 3 bedroom home with land-
scaped yard! Cathedral style ceilings
& wood burning fireplace in the living
room. Beam ceilings throughout.
Contemporary home with a rustic
edge! Storage shed in yard.
In MIB 3, an intergalactic
criminal, Boris the Animal,
escapes from a high security
prison located on the moon
and seeks revenge on the
human who locked him up:
Agent K (Tommy Lee Jones).
Boris travels back in time to
the year 1969 and kills Agent
K before he is able to arrest
him and have him locked away
for 40 years. Meanwhile, back
in 2012, Agent J (Will Smith)
is the only person who can
remember his partner. History
has been greatly altered and
the Earth is left defenseless
from an impending alien inva-
sion. Agent J must travel back
in time to the year 1969 to stop
Boris from killing his partner
or the consequences will
include the annihilation of
planet Earth.
When I initially heard
about a MIB 3, I had very low
expectations. Sequels, and
anything beyond that, usually
prove to be disappointing. I see
them as a trick to capitalize off
a huge hit in order for studios
to get audiences to see the
movie and fill their wallets. My
expectations were further low-
ered with the release of the
original trailer where I saw that
the premise of the film includ-
ed time travel. Although time
travel can sometimes offer a
captivating plotline, I thought
for a MIB movie they should
stick to the aliens. Despite my
initial thoughts, MIB 3 not
only proved to be a great
movie, but it also was an excel-
lent third installment that
wraps up the series terrifically.
The movie is filled with
scenes of action as well as con-
stant humor throughout, mak-
ing it thoroughly entertaining.
As is typical of the MIB
movies, we see some of the
most ridiculous aliens, some of
whom we are already quite
familiar with (Lady Gaga for
example). The plotline was
very intriguing and it carried
very well right up to the end-
ing. Even though I had
thought lowly of the time trav-
el concept, I actually found it
to enhance the movie and
make it even more exciting.
The 1960s version of New
York City was also a cool sight
to see; specifically the re-cre-
ation of places such as Coney
Island. What also made the
movie very enjoyable was its
completely unexpected and
actually touching ending. As
mentioned earlier, the film
draws the series to an excellent
conclusion that is both satisfy-
ing and memorable. MIB fans
will not be disappointed.
MIB 3 is rated PG-13 and
is now playing in theaters
everywhere including 3D
showings. If you are only plan-
ning to see a few of the sum-
mers blockbusters, definitely
make Men in Black 3 one of
them!
Men in Black 3: Back in Black
T
he Montville United
Methodist Church will
welcome its new pas-
tor, Rev. William Elkins, and
his family on Sunday, July 7.
Rev. William (Bill)
Wesley Elkins was born in
Cleveland, Ohio but grew up
in Tucson, Arizona. Although
he carries a very Methodist
middle name, his early reli-
gious upbringing was primarily
shaped by his doctor fathers
religion: golf.
Bill began his educational
work with a degree in English
from the University of Arizona
and moved to teach on the
Navajo Reservation in the area
of English as a Second
Language. He and Heather
Murray, also a teacher on the
reservation, were married and
began studying at Duke
University together, he in phi-
losophy and she in divinity
school.
With their one son,
Daniel, they moved to West
Virginia when Heather
received her first pastoral
appointment and Bill taught in
the gifted program in high
school and in a private school
for boys. He was invited to pas-
tor two small country churches
while finishing work on a
Master's in educational coun-
seling. That experience was
transformative for his life. His
next school was a seminary,
and he served small churches
in West Virginia until his grad-
uation from Methesco in 1985.
Bill, Heather, and Daniel
moved to New Jersey following
graduation; Bill to serve
churches and Heather to com-
plete a Ph.D. at Drew
University. His vision for min-
istry has been that of a
pastor/scholar in partnership
with communities of faith and
learning. His adjunct teaching
at Drew enables him to bring
gifted interns into contact with
small yet vital congregations
who have a heart for education
and ministry.
He has served on the
Conference Board of Church
and Society, and the Board of
Ordained Ministry, but his pri-
mary ministry beyond the local
church is with the Society of
Scriptural Reasoning, a nation-
al convocation of Jews,
Christians, and Muslims. His
hobby is the study of Abraham
Lincoln and the Civil War, and
the preservation of an antebel-
lum inn in West Virginia.
Heather is Professor of
Worship, Preaching, and the
Arts at Drew. Daniel is in grad-
uate school, studying political
science and history. Hannah
Arendt, a rescue dog, is the
first canine member of the pas-
toral family; both man and dog
are looking forward to
Montville Churchs beautiful
woods.
Montville United Methodist
welcomes new pastor
this opportunity to advance
your childrens education and
to expand their minds.
Support them in accomplish-
ing outstanding grades in the
upcoming school year and pos-
itively focusing on achieving
their goals. Summer camp
offers exercise for their bodies;
Brainy-Acts is exercise for
their minds! Brainy-Acts
tutors year round, but right
now is the best time to enroll
to get a head start on next
years classes...
Call us for a free consulta-
tion and evaluation of your
childs needs at 973-907-7700,
visit our web site at
www.brainy-acts.com or e-
mail us at info@brainy-
acts.com
Schools out for summer
The church is located at
29 Whitehall Road (Route
202) in Towaco. We welcome
everyone to our summer wor-
ship services that begin at 10
a.m. Nursery care and coffee
hour are provided. For informa-
tion or pastoral care, call 973-
334-1603.
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
WAYNE $649,000
5 Bedrooms, 4.5 Bath CH
Colonial with nground pool.
Wayne Office #1 Listing Agent
SHORT SALE AGENT
Owe more than your
home is worth?
GREEN POND $850,000
A Home for all Seasons! Beautifully crafted
3BR/2.1BA Lakefront. Captivating water views.
Fully furnished. KIN3077
Kinnelon/Smoke Rise 973-838-9300
WAYNE $424,900
3BR, 1.5Bth Ranch, w/Slate entry, DR/LR
combo, w/fplc/wood fls, FamRm/wall of win-
dows to lake views. Updtd Kit, fenced yd, Gar.
WYN0755
Wayne 973-694-8000
WAYNE $429,900
Lg 5BR, 3Bth Split w/foyer, FamRm, DR, Kit,
Greenhouse, Bsmt, CA, Gas HWBB heat, 2 Car
Gar on nice lot. Handicap accessible.
WYN0206
Wayne 973-694-8000
WAYNE $399,000
Beautifully updated & expanded overlooking
the lake! 4BR, 2 Bth Cape, w/FamRm/Fplc,
FDR, CA, lush private yard, garage. WYN0265
Wayne 973-694-8000
WAYNE $449,000
Exquisite 3BR, 2.5Bth unit w/LR, DR, EIK,
w/beautiful views in upscale comm. Amen: pool,
tennis, gym, UG prkg. Easly Living! WYN0435
Wayne 973-694-8000
WAYNE $249,900
Affordable exp 3BR Cape in Packanack Lk. Hard-
wood floors, LR/fplc, DR 2 updated Bths. Lg
MBR/att Bth, 2 zone heat & Gar. No Flood!
WYN0025
Wayne 973-694-8000
WAYNE $999,900
Custom 6BR, 4Bth Tudor Estate w/Grmt
Kit/Bkfst Rm, 3 fplcs, Great Rm, Fam Rm, 4 Sea-
son Rm, walk-out LL. Elegance, Charm & Qual-
ity! WYN0363
Wayne 973-694-8000
WEST MILFORD $285,000
Rare find! End unit, 3BR, 2.5Bth, Bald Eagle
townhome, w/HW fls, heated full basement,
attic, 2 priv decks and 2 car gar. WYN0655
Wayne 973-694-8000
WOODLAND PARK $374,900
Four Seasons, 55+ active adult community liv-
ing! Gorgeous 2BR, 2Bth, w/tons of custom de-
signs and upgrades + 25,000sf clubhouse.
WYN0461
Wayne 973-694-8000
WAYNE $1,099,000
Spectacular Lakefront. 6BR, 5.5Bth, Custom in
Pines Lake. Nearly every room w/views. IG
pool, beautifully landscaped. WYN0868
Wayne 973-694-8000
WAYNE $999,000
Stunning Vizcaya 4Br, 3.5Bth, Colonial on
1.5ac w/mtn views. 2-story entry, Great Rm,
FLR/DR, Library, Game Rm, patio, Hot-tub!
WYN0205
Wayne 973-694-8000
GREEN POND $1,149,000
Stunning 3BR LAKEFRONT home features a 2-
Story foyer/native stone FP/main level Mstr
BR/H/W Flrs/2C Gar/priv.dock. KIN2194
Green Pond-Beautifully crafted 3BR/2.1BA
LAKEFRONT. Fully furnished 3 level home/priv
dock/2C.Gar. KIN5934
KINNELON $589,000
Smoke Rise-Delightful 12RM 5BR 3.1BA ex-
panded Ranch on a cul-de-sac w/pool & fin.
W/O LL. KIN2273
KINNELON $1,195,000
Smoke Rise-5BR/4.1BA/new Kit./W/D LL/ W/IG
Pool/flat Yd/Wd Flrs/SS Appl/4FPS, spectacular
views. KIN5812
KINNELON $1,999,000
Stately 4BR 4.2 BA CHC on 3.7Acs. on a cul-
de-sac, paver driveway, 3C.Gar. KIN3049
WANAQUE $649,999
New constr luxury 3BR, 3Bth Penthouse in 55+
active adult Wanaque Reserve. 2,767st +
20,000sf clubhouse loaded w/activities.
WYN0034
Wayne 973-694-8000
KINNELON $825,000
Smoke Rise-5BR 3.1BA Country French home,
EIK, Grt.Rm, sound proof theater rm, 2C.Gar.,
slate roof. KIN5991
VERNON $122,900
On the Golf Course! 2BR/2BA TH/sky-
lights/C/A/Deck/newer Appl./freshly painted.
KIN5928
KINNELON $599,000
Lake Reality-Fab. 4BR 3.1BA CHC blt. in '96,
lge. EIK w/granite ctrtops/center island.
KIN5055
KINNELON $625,000
Turnkey 4BR 3.1BA CHC. Renovated '10; H/W
Flrs., FP, Crown Moldings; 2C Gar.; above
ground pool. KIN3094
KINNELON $739,900
Smoke Rise-Impressive 4BR/3.1BA Cust. Tudor
Ranch/priv. setting on quiet cul-de-sac w/spect.
Mtn. views/3C.Gar. KIN6000
Ren. 3BR/2BA LKFRT home/priv Lk/Club
Comm GP/2-Story Grt.Rm/gour.Kit/lst
Flr.Mstr./Stone FP/2C.Gar./priv dock. KIN5955
WAYNE $419,990
Elegance w/Reservoir view, 2,436sf end unit
w/3BRs, 2.1Bths, fplc, open flr plan, garage
parking and amenities. Near NYC transp.
WYN0653
Wayne 973-694-8000
Montville United
Methodist
Township Womens Club
held its installation of new
officers Monday, May 21,
2012 at the Hanover Manor
in East Hanover, NJ. The
new officers installed were
President- Alexandria Sarra;
1st Vice President- Jean
Bader; 2nd Vice President-
Linda Peskin; Treasurer-
Nancy Dyak; Recording
Secretaries- Kathy Sullivan
and Susan Canonico;
Corresponding Secretary
Jane Klemp; and Federation
Secretary- Alberta Baker.
Montville Township Wo-
mens Club meetings are held
the third Monday of each
month. New member are
welcome. Please telephone
Betty Rosencrantz, Mem-
bership Chair- at 973-405-
0088 for additional or mem-
bership information.
What if they desire principal
access, tax-advantages, and
safety of principal at the same
time? Is there a plan or program
for these people? Could the
same retirement program be
structured to protect the princi-
pal from the threats of a law-
suit, or the expense of a pro-
longed stay in a hospital or a
nursing home? What about
stock market crashes or correc-
tions? Would their income be
secure? The answer is yes, yes,
yes, and yes! If they make it
through these potential nega-
tive probabilities, may their
portfolio be further insulated
against the huge tax cost their
beneficiaries have to pay to NJ
and the federal system when
they die? Again, I state a
resounding yes!
What I have described in
the last paragraph is the Trinity
Method of Investing. If you
would like to enjoy these fea-
tures for your portfolio or retire-
ment funds, Id advise you to
drop everything and pick-up
the phone or e-mail me to set-
up an appointment to learn
more today. Of course, theres
no cost or obligation. APG rep-
resentatives never charge a fee
for consultations, so come see
what your options are with
APG!
Guarantees are based on
the claim's paying ability of the
insurance carriers selected.
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 has over 30
years' 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
800-929-3374 or 973-831-
4424, or via e-mail at markchar-
net@1APG.com. Check out the
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.
Ive worked long and hard my entire life. Therefore, Im
entitled to a robust retirement income ... arent I?

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ndependence Day is a time

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