Pompton, riverdale zone 18 by My Life Publications..Maljon LLC

No. 13 Vol. 1

he movie “Back to the Future,” about a boy who goes back in time, and by his being there causes issues for his future. This story is sort of like the movie. I feel like I was there and knew one day I would be back to where I started but do it even better by seeing all the things I had done the first time there. If you lived in the area anytime between 1987 and 2003 you might remember the local paper of that time.

wwwmypaperonline.com

Welcome to the First Edition of The HomeTown News Formerly Life and Leisure NJ.com

January 18, 2017

Back to the Future for Publishers “The Independent News” and then “The Weekly News.” These were the area’s mailed community papers during that time. “The Weekly News” was owned by Joe Nicastro and his wife Mary Lalama and was a familiar read for the local residents until 2003 when the papers were sold. Fast forward to today. Joe and Mary are back. “The HomeTown News” formerly “Life and Leisure

NJ” was purchased by them in late December. “HomeTown News” will be added to the other 14 publications that are published by their group, New View Media, LLC. in North Jersey. Over the past 30 years we have come full circle, Nicastro says. “I started in 1987 with the “Independent News” when community newspapers were everywhere,” he says. “Over the past 30 continued on page 2

Mary Lalama and Joe Nicastro.

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Knights of Columbus Hosting A Dinner/Dance

he Bishop Navagh Knights of Columbus is holding a dinner/dance on Sat., Jan. 14 from 7:00 - 11:00 PM at their hall at 84 Lincoln Park Rd in Pequannock to benefit Emmaus for Veterans, an organization run

by a 4th Degree Knight from Riverdale and provides housing and career training for homeless veterans. There will be live music by the Due South Band. $25 includes dinner, coffee, desserts, begonner line dance lessons. Cash

bar will be available. Call or text Mike @201-2133910, stop by hall on Monday nights between 7:30 and 10:00during country dancing or visit Facebook. com/KnightsOfColumbusPequannock for tickets.

Back to the Future...

continued from front page

years I have seen a lot of changes in our industry as many other businesses have as well. The one thing that has come full circle is the fact that people came back to community newspapers, they want “local news.” In an age when the internet has killed the newspaper industry, community newspapers are thriving nationwide. Nicastro is quick to explain that newspapers and community newspapers are two separate things. Most people do not pay for papers; they get that information online and the news is old. With technology, news is instant. Those papers have seen the drop in circulation. On the other hand community newspapers are strong. There is no real source of local news online yet. “Patch” as well as other online local sites are okay but they do not have the local down yet and still leave a large “local news” void in the markets they serve. People want local good family friendly content and

we can provide that, Lalama says. “People are tired of the bad news they read and hear about,” she says. “They want to get a publication that they can read and feel good about. That is what our publications provide. “Feel good” publications with articles on people in the communities that do good things. After selling the “Weekly News” in 2003 Nicastro and Lalama started a group of papers a little further west in Mt. Olive. Over the past 14 years that group has grown from two papers to 18. Over the next few months you will see more local content in the “HomeTown News” as well as some unique articles found only in our papers. All our publications are 100 percent mailed, states Nicastro. “We want to help the small business succeed. If they succeed we will as well. “With more than 211,000 mailed circulations we can help many businesses reach out to their potential customers

and help them to increase business.” Content is important and we ask any and every organization to send in their releases, photos and news. If you are a non-profit we will help promote you. We are looking for local events, good news stories, school news and township news. If you know someone who has done good things in your community please let us know. Is someone celebrating a 100th birthday? Special wedding anniversary? Send an email to our editor, Cheryl, at hteditor@ newviewmg.com. Remember each month the content will grow and improve with the help of the community and our great team of writers. Visit our website at www.mypaperonline.com for more local news, our publications. If you are a business call Joe Nicastro at 973-809-4784 or email him at joe@newviewmg. com for advertising information which is also available at www.newviewmediagroup.com.

What’s happening in your school or organization? Have a human interest story? Email us at hteditor@newviewmg.com

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Donation Opens New Thrift Store To Regenerate Women’s Shelter

By Cheryl Conway he new year is looking bright for a battered women’s shelter organization thanks to a significant donation from a Livingston business person who responded to an SOS call. This donor, and his wife, who wish to remain anonymous recently allocated $35,000 to Strengthen Our Sisters (SOS), a grassroots, community based non-profit, program serving homeless/battered women and children for more than four decades. The funds went toward the shelter’s utility fees and to open a thrift store in Passaic. With restricted monies coming in, the organization has been in jeopardy of closing its doors to hundreds of

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women and children. While constant funding is needed to keep the non-profit running, the most recent donation has allowed SOS to sustain its operations for now and to cover the first three months’ rent of a new thrift store, Treasures Two, expected to open March 1 on Chestnut Street and Main Street, near Popeyes, in Passaic. “We’re struggling,” says Sandra Ramos of Ringwood, founder and executive director of SOS. “We are not into money; we don’t get paid. I haven’t been paid in four years. We don’t give the money to ourselves. We give money to serve the people. We do it out of love. We want to make the world a better place.” Established in 1977 as

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Shelter Our Sisters – Ramos began the first shelter for battered women in North America out of her three bedroom home in Hackensack. The organization changed its name to Strengthen Our Sisters and grew as big as eight houses, two day care centers, a food pantry and a thrift store. “Our shelter is the largest,” says Ramos, currently providing 155 beds to persons needing shelter. “We have 177 beds available. We take people that we don’t get reimbursed from welfare.” The mission of SOS is to break the cycle of domestic violence, poverty and abuse by restoring balance and harmony through individual empowerment. To support her organiza-

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tion, Ramos receives some money from the Passaic County Dept. of Human Services, private donations, counties and social services. Ramos currently has 17 non-paid volunteers who drive shelter residents

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to look for jobs and attend court, doctor appointments, social services, schools; they fix things, watch children. “We have people working who have no pay, no insurance,” says Ramos, who

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New Thrift Store... cont. from previous page mestic violence at Ramapo College, Ramos has been reaching out to the community for monetary support to keep her organization afloat. One man from Livingston read about her cry in the local “Livingston News,” and decided to take a closer look. “I’ve been thinking about a worthwhile organization to support,” he says. Rather than giving his money away to “get thrown in a big pot and you don’t know where it goes,” he chose SOS. “They are out of sight, out of mind.” Despite its financial woes, “they continue to supply services with their extreme limited amount of money.” He “thought it was a floundering, worthwhile organization. I called to get the

name of attorney to find out if they are a legitimate organization; then traveled to visit her” to see the shelters, day care centers, thrift store and food pantry. He met “a bunch of people,” young and old, and talked to them “hearing how they struggled and got strengthened getting back into society and back into their lives.” “What a youthful, helpful organization it is; thought it was worthwhile to support,” he says. “It just kind of reinforced there’s a need for this; reinforced there are many people in need of support in places to live, for food. They’ve gone through tremendous financial strains.” The donor also supports the organization’s purpose: to help women “to reestablish a life after gone through

a poor circumstance, such as battered women, mentally, physically.” While he says “I’m not a zillionaire,” he says he did have some success in his profession which has now allowed him and his wife to give back. “I’ve spoken to Sandra a half a dozen times,” he says, to learn “what their needs are. They say they get a lot of donations. They need the store but they need an ongoing business to regenerate the business to self-sustain, to pay the people working there. They have to generate a good chunk of revenue plus some revenue to pay some people to run the store.” Of the funds he allocated, $10,000 went to pay shut off utility fees for gas and electric at the shelter’s sev-

en houses; and $20,000 as a reverse matching fund to cover the first three months’ rent at the new thrift store, explains Ramos. “We are supposed to match it,” says Ramos. “We have constant needs. We need refrigerators,” gasoline, insurance. Treasures Two is set to open March 1. The brand new store features a showroom with a store downstairs, an elevator and wood floor, describes Ramos. Customers will be able to

shop for new and used furniture, high end designer clothing for mostly women, children and some selections for men. “We get a lot of stuff,” says Ramos, as far as donations. “We get some really good stuff; got a feathered couch,” antiques. The store will be open six days a week from 10 a.m. to 7 p.m. The organization’s other thrift store, Treasures, opened 30 years ago and is located in West Milford.

100% Mailed, Bi-Weekly Newspaper 1 Old Wolfe Road Budd Lake, NJ 07828 H 800.691.7549 H Publishers: Joe Nicastro & Mary Lalama H Editor: Cheryl Conway H Graphics: Mary Lalama, Terri Armswood, James Gleason Please e-mail all press releases and calendar information to hteditor@newviewmg.com. Advertising in the HomeTown News 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 New View Media Group. Views expressed in the HomeTown News are those of the respective columnists and writers, and do not necessarily reflect those of the publisher, or the HomeTown News. 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 author and are in effect advertisements. Publication of any advertisement does not constitute, either implied or inferred, an endorsement of services, products or businesses advertised.

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As she looks forward, Ramos hopes to add in a Jazz Café at the new store and eventually a Treasures Three featuring “gardening stuff.” Ramos is currently in need of furniture, cars, quality clothing and monetary contributions. For more details, go to http://www.strengthenoursisters.org/. To make a donation or to help, email scb@optonline. net or call Ramos at 973831-6156.

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affect the skin. From rosacea to eczema to acne to psoriasis, the skin can be affected by numerous conditions, many of which can be both uncomfortable and embarrassing. Keeping skin healthy requires effort, and there are many things men and women can do to protect their skin and reduce their risk for various conditions. • Schedule routine visits to a dermatologist. Derma-

tologists can treat and help prevent disorders of the skin, and men and women should make annual visits to their dermatologist to ensure their skin is healthy. Dermatologists can diagnose if a mark or a blemish is something benign or serious and provide information on various courses of treatment. As with any specialist, dermatologists may be well versed on new and innovative care. If anything

Health and Safety Go Hand-in-Hand

ost people recognize the importance of a healthy lifestyle when it comes to physical and emotional well-being, but you may not realize that some health-related activities can pose a safety risk if you don’t take proper precautions. Making safe habits part of your healthy lifestyle can help ensure you’re able to enjoy the results of your efforts. Warm up your workout. Exercise and physical activity are essential to a healthy lifestyle, but failing to approach your workouts with the proper warmup and know-how can really backfire. According to the experts at WebMD, a warmup is important because it gets blood circulating and eases muscles into more vigorous activity, getting them loose, warm and ready for the challenge. Know that technique matters. Another potential safety pitfall when it comes to working out is improperly using weight machines

or employing improper technique for activities like yoga or core training. Failing to execute your exercises correctly can not only produce sub-par results, you may actually end up hurting yourself by causing a sprain or other injury. Even if you tend to be a loner when it comes to working out, enlist the expertise of a trainer or coach who can show you the ropes before you set out solo. Exercise caution outdoors. A few hours spent in the great outdoors can leave you feeling refreshed and invigorated; fresh air is good for your body and your spirit. However, spending too much time soaking up the sun can have a detrimental impact on your health – overexposure to UV rays is a major risk factor for developing skin cancer. Exposure to the elements, such as strong winds or harsh cold, can also take a toll on your body. The American Mel-

anoma Foundation recommends lathering up with a sunscreen that has a Skin Protection Factor (SPF) of at least 15 any time you’ll be outdoors for more than 20 minutes. Even winter conditions pose a threat to bare skin, as snow can actually reflect UV radiation. Be wary of expiration dates. Most people at least periodically use prescription drugs or over-thecounter medicines as part of their commitment to staying healthy. However, for people who rarely use medicines, their cabinets may be filled with potentially dangerous, expired medications. According to the FDA, both prescriptions and over-the-counter meds can lose their effectiveness over time and even become unsafe. Especially concerning are the medicines that can change chemical composition or become a breeding ground for bacteria over an extended period of time. That’s why it’s important to continued on page 9

on your skin seems suspect, visit a dermatologist right away. • Protect yourself from the sun. The single best thing you can do for your skin is to protect it from the sun. Not only can a lifetime of sun exposure cause wrinkles and age spots, it can lead to cancer. Use a broad-spectrum sunscreen with an SPF of at least 15. Apply it every two hours or more often. Make sunscreen a part of your daily regimen, applying it as you would moisturizer or antiperspirant. • Quit the habit. The Mayo Clinic says smoking

narrows tiny blood vessels in the outermost layers of skin, which decreases blood flow. This robs the skin of oxygen and nutrients it needs to stay healthy. Smoking also can damage the collagen and elastin in the skin, which promotes elasticity. • Be gentle to the skin. Use mild cleansers and limit showers and baths to warm water. Moisturize dry skin if it is problematic. Pat skin dry after washing and do not tug or rub skin excessively. • Inspect skin regularly. Routinely check your skin for any changes and share

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ccording to the American Cancer Society, skin cancer accounts for the largest number of cancer diagnoses in the United States. Each year, nearly five million Americans are treated for skin cancer, with most cases being nonmelanoma skin cancer, typically diagnosed as basal cell carcinoma or squamous cell carcinoma. But skin cancer is not the only condition that can

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A Total Body Approach to a New You in the New Year

ew Year’s resolutions typically focus on reactive goals like losing weight or getting back into that workout routine. However, thinking about resolutions in a more proactive, longterm way can give you more motivation and the willpower to stick with it. A commitment to proactive total body care, including these tips from Massage Envy, can keep your body and mind tuned up, allowing you to do more of what you love in 2017 and beyond. Feel confident by upping your skincare

Skin is an organ – the body’s largest organ, in fact. That’s why it’s so important to pay attention to it. Regular skincare can help you feel good on the outside by reversing signs of aging, improving skin tone and texture, moisturizing skin and reducing blemishes and breakouts, and better on the inside, as feeling good about how your skin looks can boost your confidence. A daily hydrating moisturizer with SPF does double duty to protect and hydrate. Regular facials that cater to your skin’s unique needs can also help min-

imize wrinkles, cleanse pores, encourage skin cell renewal and improve overall tone and texture. Live happier and stress free The Statistic Brain Research Institute reports that 77 percent of people regularly experience physical symptoms caused by stress. Spending time with friends, meditating and practicing mindfulness can help, but there are also physical ways to soothe stress. A quick walk can do wonders for clearing your head, and a single massage session can lower your heart rate and blood pressure, relax your

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muscles and increase the production of endorphins, your body’s natural “feel good” chemical. Stress relief is one of the benefits of regular massage therapy,

and a key component for anyone trying to achieve a lifestyle that gives them the freedom to do more of what they love. Veg out on the good stuff A healthy diet can help you maintain a healthy weight, feel good and boost your body’s immunity so you can stay well. Occasionally, indulging your sweet tooth or salty cravings is OK, but to really take care of your body, leading health-focused agencies recommend piling your plate high with colorful fruits and veggies, lean meats like chicken and fish,

and whole grains. If you started off with a commitment to eating better in the New Year, push hard to stick to it. Before long, you’ll find yourself automatically making smarter choices when it comes to mealtime, and when you put good fuel in your body, you get better results. Including total body care in your resolutions this year and beyond can create positive changes that last a lifetime. Visit MassageEnvy.com to learn more about steps you can take to boost your overall well-being.

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Health and Safety Go Hand-in-Hand... cont. from page 6 properly discard medicines after their expiration dates have passed. Make reasonable eating choices. With countless diet options available, it may seem impossible to know which is most likely to help you achieve your desired results. When evaluating eating plans, be careful to avoid diets that are excessively restrictive, as these can have a serious impact on bodily organs that rely on nutrients to function. Also be wary of diets that recommend cutting entire food groups; a balanced diet with moderate portion sizes is the best approach for delivering your body the nutrition it needs for top performance. Committing to healthier living is an important step, so be sure you can reap the rewards by making your journey to better health a safe one. Find more tips for living a healthy lifestyle at elivingtoday.com. Contact Lens Safety Tips With nearly 41 million

adults in the U.S. wearing contact lenses as a safe and popular form of vision correction, there is a growing trend among Americans to alter the appearance or color of the eyes by using decorative contact lenses. However, if these lenses are bought illegally and without a prescription from your eye doctor, they could lead to serious health issues and potentially damage your eyesight permanently. “Many consumers consider these lenses a fashion or costume accessory when, in reality, decorative lenses are also classified as medical devices and still pose the same potential safety and health issues as corrective contact lenses and require a prescription,” said Andrea P. Thau, O.D., president of the American Optometric Association (AOA). The AOA recommends contact lens wearers take proper steps to protect their eyes and maintain a consistent hygiene routine, in-

cluding: • See a doctor of optometry for a comprehensive eye examination and proper fitting and prescription for decorative contacts lenses, even if you don’t require lenses to correct your vision. • Never buy lenses from retail outlets or online sites that don’t require a prescription. • Always follow the recommended contact lens replacement schedule prescribed by your eye doctor. • Wash and dry hands before handling contact lenses. • Carefully and regularly use cleaning solution to rub the lenses with fingers and rinse thoroughly before soaking overnight in multi-purpose disinfectant solution. • Use fresh solution to clean and store contact lenses – never reuse old solution. • Only use products recommended by your eye doctor to clean and disin-

fect lenses. Saline solution and rewetting drops do not disinfect lenses. • Store lenses in the proper storage case and replace your case every three months. In addition, cases should be rubbed with clean fingers, rinsed with

solution, dried with a tissue and stored upside-down when not in use. • Remove contact lenses before exposing them to water. See your optometrist immediately if you experience redness, pain, irrita-

tion or blurred vision while wearing your lenses. For more information about contact lens hygiene and safety, the risks associated with decorative contact lenses and to find an optometrist near you, visit aoa.org.

Food and Wine Pairing Event

“Food and Wine Pairing Event” will take place on Saturday, February 4 at 6:00 pm at St. David’s Episcopal Church at 91 Kinnelon Road in Kinnelon. Parish member Steve Kent will be the sommelier and host for

the evening. Join us for a gourmet evening of great wine and great food, featuring five quality courses, each perfectly paired to a delicious but affordable wine. All are welcome, but reservations are a must! Deadline to purchase tick-

ets is January 31. Ticket prices are: dinner with wine $60, dinner with no wine $30. No wine will be sold at this event. Please call the church office at 973-838-6696 for more information.

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How to Choose the Right Backpack

pon hearing the word “backpack,” people naturally think of back-to-school season, when throngs of children board buses and head to classrooms across the country. However, the backpack need not be pigeonholed into such a narrow stereotype; there are many different uses for backpacks. Outdoor enthusiasts, particularly hikers and day-trippers, rely extensively on backpacks. Backpacks facilitate the transporting of supplies and other necessities, but not every backpack is the same, and some are more applicable to certain tasks than others. Choosing a backpack requires careful consideration, and the following tips can help consumers make the best choice.

• Identify its potential usage. What will the backpack need to do? Discuss your needs with a store employee when shopping for packs. • Choose the right volume. Backpacks are sold by volume, or how much stuff they can carry. This is measured in liters or square inches. The liter size may be included right in the product name. According to Eastern Mountain Sports, between 15 and 30 liters is good for day hikes or school usage. An overnight or weekend trip likely will have to be between 30 and 55 liters in volume. • Determine torso size. Whichever backpack you choose, it needs to fit you comfortably. That means measuring your torso length to find one that will sit on the right area of your back.

The torso length on the pack will equate to the distance between the shoulder straps and where the pack hits your hips. For packs with hip straps, the right length will ensure the hip straps can fit comfortably in this area. Some packs are sold with an adjustable torso size. Some manufacturers also size packs specifically for women’s frames. • Decide if framing is necessary. After you have decided on size, you need to assess other features, including internal and external frames. External frames are original style, classic packs. Internal frame packs tend to be lighter and have a lower profile. If you need to maneuver through some tight areas, an internal frame pack might be best. Frames in packs help you carry

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more, and you can even strap things to the outside of the pack, says Backcountry, a gear and outdoors resource. • Consider additional features. Packs come with

various features, including load-lifter straps and sternum straps, that can help balance the load and put less strain on your back. Also, choose shoulder straps that curve anatomically to fit the

body closer. A ventilated back panel can help reduce sweating and protect your back from pointy gear. For more help, speak with an outdoor gear retailer.

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Like us on facebook www.facebook.com/mypaperonline.com • Tell Them You Saw It In The HomeTown News - Zone 18 • January 18, 2017 • Page 11

Annual Blood Drive

he Montville Township Women’s Club will sponsor their annual Blood Drive at the Montville Township Senior House, 356 Main Avenue (Route 202),

Montville, NJ on Sunday, January 29, 2017 from 10 AM - 3 PM. All donors receive a complimentary cholesterol test and refreshments. Please bring a form of I.D. Remem-

ber: Saving The World Isn’t Easy. Saving A Life Is. Please Be A “Donor”. For more information call Ronnie Polachek at 973600-9781.

What’s happening in your school or organization? Have a human interest story? Email us at hteditor@newviewmg.com

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Non Profit School Seeks Cars And Other Donations

ssex Valley School, an alternative, therapeutic school in West Caldwell, is seeking donations from area businesses and organizations. At this time, it is seeking automobiles anyone is wishing to donate to the school to assist students in the repair shop. The school’s mission is

n Sat., Jan. 28th at Holy Spirit School Parish Center, located at 330 Newark Pompton Turnpike, Pequannockwill host a Comedy Night. Enjoy a night of laughter featuring professional comedians Eric McMahon and Richie Byrne. Doors

to educate students with behavioral and emotional disorders. It has expanded and grown during the past several years with the addition of many vocational and technical programs. There is always a need for charitable donations to sustain the high quality of services. Its needs are great and resources are limited with the

Comedy Night open at 7:00 P.M.Show begins at 8:30 P.M. Tickets are $25 each (coffee and dessert included). Feel free to bring you own food, beer, wine, soda or any other beverage of your choice to have at your table. For tickets call Holy Spirit School at 973835-5680 (during school

Meet Camp Directors from all kinds of Summer Camps and Programs!

Sunday, January 22 The Sheraton Parsippany, Parsippany Sunday, January 29 Livingston Mall, Livingston Additional Locations • Lawrenceville • Edison

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added expenses that occur in dealing with this unique population. Essex Valley staff and students volunteer for many community service projects in the Caldwell area. For more information or to donate, contact Perry Cecchini, Fund Development Office at Essex Valley School, at 551-206-0081.

hours) or 862-228-3430 (evenings and weekends). To qualify for a special drawing, purchase tickets by January 14th. Only adults 21 and older will be permitted. All proceeds will benefit the children of Holy Spirit School.

Page 12 • January 18, 2017 • Tell Them You Saw It In The HomeTown News - Zone 18 • Like us on facebook www.facebook.com/mypaperonline.com Brought to you by Dr. Matthew Krupnick, the owner of Pequannock Animal Hospital

ets require certain comforts to live long and healthy lives. In addition to adequate nutrition, exercise, medical care, and mental stimulation, pets need a safe place to live. The average home is filled with various items that can be harmful to pets. Just as parents’ baby-proof their homes when welcoming new children into their families, pet owners can take inventory of potential hazards to pets and take steps to safeguard their pets from home-related injuries. According to the American

Dr. Matthew Krupnick, D.V.M.

Make Homes Safe for Pets

Veterinary Medical Association, a few simple adjustments around the house can prevent many pet emergencies:

Invest in cabinet locks. Cats and dogs can be curious animals, gaining access to areas of a home their pet owners never would have

imagined possible. If you can’t store everything beyond pets’ reach, then use cabinet and drawer latches to prevent access to areas that are off limits. Lock doors to basements, garages and storage sheds as well. Cover all garbage cans. Animals have extraordinary senses of smell, and they may be attracted to trash cans around the house. Pets rooting around in the garbage can be messy, but this can also make pets vulnerable to illness. Invest in garbage cans with locks or tight lids to prevent food

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poisoning or choking. Use medications wisely. Be mindful of medications, making sure none of your pills fall on the floor where they can be gobbled up by pets. Protect belongings. Cats can scale many objects in the house, gaining access to areas of the house that dogs cannot reach. Cats also can be attracted to small shiny objects, such as jewelry or glass items, that are choking hazards. Store all potential choking hazards out of sight of curious cats. Clean the furnace. Allergens and poor indoor air

quality is not just a concern for humans. Pets also can be affected by allergies and health issues that result from exposure to mold or dirt in a home. Have your HVAC system routinely serviced and routinely change indoor air filters to maintain healthy air quality. When possible, open windows to let fresh air inside. Secure windows and doors. Cats and dogs may be distracted by something outdoors and feel comcontinued on page 14

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FINANCIAL News! Y

our local free newspaper, delivered bi-weekly to your mailbox, has a new name and publisher; fortunately, however, they retained the same old financial columnist – me! I will continue whispering in your head the right financial steps to take with your savings, investments and overall general financial future. Whether it be planning for your retirement, the kids college tuition bills, a house purchase, a wedding or a trip around the world, I will continue on as your concierge giving you the repetitive message of live below your means, spend less to save and invest more and some creative tax-advantaged ways to accomplish these vital goals and objectives. Thank you for reading my column over the last 6 or more years and for those precious few readers that take the time to write to me or send me an email, whether or not you agree with my point of view, it’s always wonderful to receive feedback on one’s efforts. If you haven’t written to me, let me invite you

Happy New Year Hometown News Readers By Mark E. Charnet

to certainly do so, as I respond to every single email or letter myself. I want to hear what you have to say, especially if you agree with me! Only kidding, disparaging emails are welcomed too. I have met many readers when attending one of our financial planning workshops who say that they feel like they already know me, after reading my column for a few issues or even a few years. That’s a great

compliment I love to hear and hope that you’ll tell me the same thing in the immediate future. Don’t wait, please attend APG’s wonderful educational

workshop programs filled with timely and pertinent information, constantly updated with current facts, figures, concepts, news and jokes too. In 2017, I will be sending out our electronic newsletter via email, to anyone who wishes to participate and at no charge either! To sign-up, just send an email that say’s “sign me up for the newsletter” to: i n -

fo@1apg. com it’s that simple and you can cancel anytime. This way you won’t have to sit by your mailbox waiting 2 weeks for the next issue of this publication to read what I’m thinking about or to see which way

I’m leaning or to get the facts, figures and my interpretation on the current markets. Links will be provided for further articles, news reports, financial and tax law changes, research on stocks, bonds, mutual funds, ETF’s, annuities, long-term care insurance, life insurance and much more! Readers

will be the first to know about upcoming seminars and workshops securing the best seats for themselves and their friends and family as well. A forum will exist to ask questions and voice your opinions or to make suggestions for upcoming topics or areas of interest you

would like to read about. Sign-up your friends and family or better yet, ask them to sign themselves up – remember it’s FREE and they also get the same 100% money back guarantee if they’re not completely satisfied. I’ve never offered this service in the past and am very excited about getting started early in the first quarter of 2017. January is the time of year when we all are to sit down to construct our resolutions, goals, objectives, plans and promises for a healthy and prosperous New Year. Are you prepared with pencil and paper, digital recorder or tablet? Leave the list readily visible to continually motivate yourself, check on your progress and to make modifications as necessary, so you finish significantly ahead of last year when you were not as adequately planned and prepared. May 2017 bring you and your family the best asset of all: Good Health, secondly, the peace of mind that comes with financial security and third, unbound happiness! Con-

tinue to look for this column in a couple of weeks and hopefully in person at an upcoming APG financial workshop in 2017! Mark E. Charnet, CAS, is President and Founder of American Prosperity Group. APG is the Premier Retirement and Estate Planning Franchise in the United States. Mark has over thirty five years of experience in the Retirement and Estate Planning fields. Creator of the Trinity Method of Investing©, Mark encourages your inquiries and can be reached at: 973-831-4424 or via email, markcharnet@1APG.com. Check out our website: www.1APG.com Interested in a career in retirement and estate planning? Check out this website: www.APGFranchise.com. Securities through: USA Financial Services, Member SIPC, FINRA and a Registered Investment Advisor.

Page 14 • January 18, 2017 • Tell Them You Saw It In The HomeTown News - Zone 18 • Like us on facebook www.facebook.com/mypaperonline.com

Make Homes Safe for Pets... continued from page 12 pelled to chase after it. Dogs and cats can suffer serious injuries if they fall from windows. Make sure window screens are secure and install guards if your pet likes to hang out by the windows. Exercise caution when entering and leaving your home so pets don’t scurry outside. Keep cords and electronic outlets secure. Teething puppies or curious cats may bite or pull on power cords. Use cord keepers to cover up electric lines and outlet locks to keep plugs where they should be. Provide a comfortable indoor climate. Many pets spend the majority of their days indoors where climate and temperature can

be controlled. However, if yours is an outside pet or requires a brief stint in the garage or an uninsulated area, make sure the temperature in such areas is comfortable and safe. Take precautions around the house to keep pets safe, comfortable and secure. Dr. Matthew Krupnick is the owner of the Pequannock Animal Hospital. He grew up in Kinnelon and is happy to be home – with his wife, three cats, and two dogs – to provide quality and compassionate care for pets in the community. The Pequannock Animal Hospital is located at 591 Newark Pompton Turnpike in Pompton Plains. You can reach the hospital by calling 973-616-0400.

Stay On Top Of New Due Dates This Year

ax filing season officially begins this month. Did you know due dates for certain returns have been changed? Why are the dates changing? One reason is to bring due dates into a more logical order. For example, in prior years, if you were a partner in a partnership, you may have had to extend your personal tax return because you received the information statement from the partnership (Schedule K-1) at the last minute. That was because the due date for partnership returns has been four and a half months after the partnership’s year-end. For calendar-year partnerships, the date was April 15 – the same date you have to file your personal tax return.

What’s changed. Partnerships and C corporations are swapping due dates. Beginning this year, when you file your 2016 federal return, the filing date for partnerships is March 15. The due date for a calendar-year 2016 C corporation is now April 15. The Foreign Bank and Financial Accounts Report (FBAR) is due April 15 instead of June 30. Forms W-2 and Forms 1099-Misc with non-employee compensation reported in Box 7 must be sent to recipients and submitted to the Social Security Administration and the IRS by January 31. The new due date for these forms apply to both paper and electronic filing. Some extended due dates are changing too.

Partnerships will now have a five-month extension until September 15. The Foreign Bank and Financial Accounts Report can be extended until October 15. What hasn’t changed. Due dates for your individual federal income tax return, S corporations, trusts, estates, nonprofit organizations, and employee benefit plans will generally remain the same. Missing a due date and filing a tax return late will trigger penalties, and you’ll lose the opportunity to extend the time to file. Please contact us for more details. Robert P. Sokoloff and Associates, PC, is a year round full service CPA firm providing a wide range of Accounting and Tax ser-

vices to both Small Business and Individual Clients. We are QuickBooks Certified Pro Advisors and provide new business set up, training and support. Our office is located at 166 Main St. Lincoln Park, NJ 07035. Our website is www.cpanewjersey.com and email is rps@cpanewjersey.com. To contact us by phone please call 973633-1001.

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COMMUNITY HAPPENINGS Save the Date!

Note: To have your group’s announcement appear in Community Happenings, please e-mail your paragraph to calendar@ lifeandleisurenj.com. • Adult Coloring Art Program at Butler Library on Tuesday, January 24 from 6-7:30pm. Come to the Library to color an intricate design for a stress-relieving, artsy experience. This free program is limited to 24 participants. Call 973838-3262, or stop by to sign up. • Tax Talk with H&R Block at Butler Library on Wednesday, January 25 from 6-7:30pm. Presented by Max Kalter, EA & Laverne Soderstrom. This program will answer all

your tax questions such as: Should you file? What is your filing status? What income is reportable and which is best, standard deduction vs. itemized? Are you receiving the credits you are due and how can you get your taxes done for free? Max is an IRS Enrolled Agent and H&R Block Master Tax Advisor, with over 13 years of experience preparing individual income tax returns. Laverne is a Tax Advisor with H&R Block with over six years’ experience as a Tax Specialist and has over 150 hours of Federal/State Income Tax Training Courses and Certifications. This free program is limited to 30 participants. Call 973-838-3262, or stop

by to sign up. • Healing & Freedom from PTSD at Butler Library on Wednesday, February 1 from 6-7:30pm. Presented by Adele Bertholet, Energy Healer/Coach/ Teacher. Has life been a series of challenges and upheavals? Join us to learn more about Post Traumatic Stress Disorder and receive help, support and tips to create a calm and empowering life from now on. This free program is limited to 30 participants. Please call 973-838-3262, or sign up at the Circulation Desk at Butler Library. • Financial Literacy at Butler Library on Wednesday, February 22 from 6:30-7:30pm. Presented

by Joshua D. Allen, Seton Hall University School of Law. This program will offer insight into financial markets & investments & provide you with the foundation necessary to become informed & prudent investors. This free program is limited to 30 participants. Call 973-838-3262 to sign up. Around the Community… • Wednesday Morning Book Club Selections at Butler Library at 10am on February 8, Leaving Time by Jodi Piccoult; March 8, All the Light We Cannot See by Anthony Doerr. • Web Maker at Richard Butler School, Computer Lab. Presented by Luis

Rodriguez, Butler Library Director, on Wednesdays (full school days only) from 3-4pm. For grades 6-10. Learn about creating, sharing, & exploring on the Internet. Also includes creating an animated GIF, learning to use HTML, CSS, & JavaScript, & creating your own website. Permission slips sent home from school or on our library website at www.butlerlibrary.com. • Congregation Beth Shalom’s, located at 21 Passaic Avenue in Pompton Lakes, weekly classes with Rabbi Bockman’s Adult Ed meets on Thursdays from 10:45am-12pm. “Politics, Leadership and Scandal: the Biblical books of Samu-

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el and Kings.” Please bring an English Bible if you have one. • American Legion Auxiliary Unit 154 hosts trivia on the first and third Friday of each month from 7-9pm. Please join us for an evening of fun. Winner will receive a $25 gift card. Karaoke by Jolly Rodgers Entertainment on the second and fourth Friday of each month from 8pm-12am. Trivia and karaoke are held at 69 Carey Avenue in Butler. • Experiencing Technical Difficulties? Need help with a new smart phone, e-reader, tablet, laptop, etc.? Presented by Student Technology Consultants at Butcontinued on page 20

Page 16 • January 18, 2017 • Tell Them You Saw It In The HomeTown News - Zone 18 • Like us on facebook www.facebook.com/mypaperonline.com

s the chill settles in, comforting, warming, seasonal favorites like stews and soups become top of mind. However, with busy work schedules, there’s often not enough time to prepare them during the week. When Carrot-Lentil Stew is on the menu, time isn’t an issue. It’s ready in under an hour, plus it’s packed with healthy ingredients and robust flavor. Start with quick-cooking lentils, add nutrient-rich vegetables, vegetable broth and the secret ingredient: a jar of Aunt Nellie’s Glazed Sliced Carrots. The perfect-

Easy Cold-Weather Cooking

ly cooked carrot slices and their flavorful sauce add texture, flavor and vibrant color to the stew, which needs only 10 minutes to cook. Serve topped with fresh parsley and Parmesan cheese for another splash of color and an extra layer of flavor. This vegetarian stew can easily be adjusted to include chicken sausage for even more protein. For additional cold-weather cooking ideas, visit AuntNellies. com. Carrot-Lentil Vegetable Stew Prep time: 20 minutes

Cook time: 25 minutes Servings: 4 1 cup dry lentils 3 cups fat-free, reduced-sodium vegetable broth, divided 1 cup water 3/4 cup chopped onion 3/4 cup sliced celery 3/4 cup chopped bell pepper 1 can (14 1/2 ounces) nosalt-added diced tomatoes 1 jar (15 1/2 ounces) Aunt Nellie’s Glazed Small Sliced Carrots 1 large clove garlic, minced 1/2 cup chopped fresh parsley shaved Parmesan cheese (optional)

Rinse lentils and drain. Place in Dutch oven or other large saucepan. Add 2 cups broth and water. Bring to boil, reduce heat and simmer 15 minutes (lentils should be slightly undercooked). Add onion, celery, bell pepper, remaining broth, tomatoes with liquid, carrots with liquid and garlic. Bring to boil, reduce heat and simmer 10-15 minutes, until liquid is reduced as desired and vegetables are just tender. Stir in parsley. Serve topped with Parmesan, if desired. Note: If desired, 1/2 pound chicken sausage

14 g protein; 54 g carbohydrate; <1 g fat; 390 mg sodium; 10 g dietary fiber; 5 mg iron; 0.46 mg thiamin; 5499 IU vitamin A; 36 mg vitamin C.

links, cooked and cut into bite-sized pieces, can be added to stew during last 5 minutes of cooking. Nutritional information per serving: 280 calories;

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weaters and scarves aren’t the only ways to brace yourself against blustery weather. There’s no time like winter to putter in the kitchen, where the cozy heat from the stove and the aromas of mouthwatering dishes can warm you from

Winter Weather Warm-Up

the inside out. Grilled Citrus Rosemary Catfish Recipe courtesy of The Catfish Institute Servings: 4 Citrus Sauce: 1 lime, juice and zest only 1 lemon, zest only

1 orange, zest only 6 ounces pineapple juice 1/2 cup brown sugar 1 tablespoon fresh rosemary, chopped 1/4 teaspoon salt Catfish: 4 U.S. farm-raised catfish fillets 2 lemons salt, to taste, freshly ground black pepper, to taste Heat grill. To make citrus sauce: In small saucepan, combine all sauce ingredients. Bring to boil; reduce heat and simmer 5 minutes. To make catfish: Place catfish in shallow dish and squeeze 1/2 fresh lemon

over each fillet. Sprinkle with salt and pepper. Let rest 5 minutes. Grill catfish fillets, skinside-up, 3-4 minutes. Flip over and grill 2-3 more minutes. Transfer catfish to serving plates and spoon warmed citrus sauce over fillets. Black Skillet Beef with Greens and Red Potatoes Recipe courtesy of the USDA 1 pound top round beef 1 tablespoon paprika 1 1/2 teaspoons oregano 1/2 teaspoon chili powder 1/4 teaspoon garlic powder 1/4 teaspoon black pepper

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Page 18 • January 18, 2017 • Tell Them You Saw It In The HomeTown News - Zone 18 • Like us on facebook www.facebook.com/mypaperonline.com

Create a Cold-Weather Solution

hile it can be a challenge, there are several ways to pair food and wine appropriately during winter, despite bitter weather. Just because it’s colder doesn’t mean it’s time to stop enjoying the lively and nuanced flavors of chilled wine. While once only sipped on warm days of summer, rosé, for example, has become a year-round wine to enjoy any time with its crisp and cool strawberry and rhubarb flavors. A warm, comforting dish, like this Roasted Chicken with Salsa

Verde from James Beard award-winning chef Jonathan Waxman, combines well with rosé during the cold season. As the chicken roasts in the oven, it warms the kitchen and fills the house with wonderful aromas, tempting any chef or home cook to steal a sip of wine. One reasonably priced wine that matches chicken well is Angeline California Rosé of Pinot Noir. The crisp flavors of light red fruits combine with the herbs accompanying the chicken. It’ll also complement the many other

flavors of winter, when an array of dishes hit the table and challenge hosts to find the right wine to serve. For more wines that work well in wintertime, visit angelinewinery.com. Chicken and Salsa Verde Recipe courtesy of chef Jonathan Waxman Chicken: 1 fresh free-range organic chicken (4 pounds) sea salt, to taste freshly ground black pepper, to taste 1/4 cup extra-virgin olive oil 1 lemon Salsa Verde:

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1/4 cup capers in salt 4 anchovy filets 3 cloves garlic 1/2 cup chopped fresh parsley 1/2 cup chopped arugula 1/2 cup chopped fresh basil 1/2 cup chopped fresh cilantro 1/4 cup chopped tarragon 1/4 cup chopped fresh chives 1/4 cup chopped fresh sage 1 cup extra-virgin olive oil 1/4 teaspoon sea salt To make chicken: Heat oven to 450 F. Wash chicken in hot water. Dry with paper towels. Using kitchen shears,

cut out backbone of chicken and remove any fat (this can be added to chicken stock). Using heavy chef’s knife, cut out breastbone. Season halves with sea salt and black pepper. Place chicken halves, skin side up, on two sizzle platters and dab with olive oil. Cut lemon in half and place 1 half, cut side down, next to chicken on each platter. Roast chicken 35 minutes, basting every 10 minutes. When done, remove chicken to platter and pour off excess fat. Cut each breast in half and cut the

thigh from the leg. Serve with salsa verde (recipe below) and garnish with roasted lemon. To make salsa verde: Soak capers in cold water 1 hour then drain. Soak anchovies in cold water 15 minutes then pat dry and remove bones. Using mortar and pestle, smash capers, anchovies and garlic, until smooth, then transfer to large bowl. Add all herbs and olive oil. Season with sea salt. Pair each serving with Angeline California Rosé of Pinot Noir.

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The Benefits of Hiring Professional Contractors

he DIY movement has inspired many homeowners to tackle home repair and remodeling projects on their own. DIY projects can be rewarding, and many homeowners who have embraced the DIY movement have discovered talents they never before knew they had. But no matter how simple popular home renovation television shows make remodeling projects appear, homeowners should know that such undertakings are far more difficult than they appear on television. Homeowners who overestimate their abilities and the time they have to complete projects can cost themselves substantial amounts of money. In fact, there are

a variety of reasons homeowners might want to work with professional contractors when tackling home improvement projects. Experience A trial and error approach can work with various projects and problems. But applying such an approach to home improvement projects is risky and potentially dangerous, not to mention costly. Experienced professional contractors with strong track records (seek recommendations from friends or neighbors) won’t have to go through trial and error and are therefore more likely than DIYers to complete a project on time and on budget. Inspiration One oft-overlooked

benefit of working with professional contractors is the likelihood that they can draw up ideas for projects that homeowners might otherwise never have thought up on their own. Homeowners without specific ideas in mind can ask contractors to come up with various scenarios before committing to a particular one. Veteran contractors can draw on years of experience to create designs that DIYers might be incapable of coming up with and/or incapable of seeing through to completion. Cost Conventional wisdom suggests it’s less expensive to do something yourself than to hire someone else to do it for you, but that’s not necessarily true of home

e would like to thank all our customers for their loyalty & their business in 2016. Looking forward to serving you in 2017.

improvement projects. Labor costs typically account for a substantial amount of professionally contracted projects, but homeowners can cut those costs by volunteering to do some of the simpler tasks themselves. In addition, contractors often purchase materials at a much lower cost than individual homeowners because contractors buy in bulk. So while labor costs might be lower on DIY projects, the cost of materials can offset those savings. Resale value Many homeowners renovate their homes with eyes on improving the resale value of those homes. But if homeowners want to showcase a newly remodeled kitchen when selling their homes, they should

be prepared for prospective buyers to ask who worked on the project. Fearing potential problems down the road, some buyers might be put off by homes that were remodeled by DIYers and not professional contractors. Renovating a home on

your own can be a rewarding project for homeowners. But it’s important that homeowners recognize the many benefits of working with professional contractors before making any final decisions with regard to who will tackle their next project.

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Page 20 • January 18, 2017 • Tell Them You Saw It In The HomeTown News - Zone 18 • Like us on facebook www.facebook.com/mypaperonline.com

COMMUNITY HAPPENINGS Save the Date!

continued from page 15 ler Library, come in on any Monday night from 4-8pm or by appointment and ask for a STC (Student Technology Consultant) to help you learn how to use your new device. For help at other times, email our Library Director at Luis.Rodriguez@ ButlerLibrary.org. • Elder Exercise Classes at Butler Public Library. Join us on Mondays from 10:30-11:15am for exercises focused on stretching and moving while in a chair. Use weights to improve strength & increase bone density with Exercise Instructor, Dana Jacko. Join us for fitness & fun for just $5 a class. Call 973-8383262 or stop by the Butler Library Circulation Desk

to sign up. Butler Public Library is located at 1 Ace Road, behind the municipal building, or visit www.butlerlibrary.org. • Free Museum Entrance Passes for Butler Public Library Patrons. Butler Library card holders can check-out free Museum Passes with a $30.00 cash deposit which is returned when the passes are returned. Passes are for the Intrepid Sea, Air & Space Museum, Morris Museum, Imagine That, and Grounds for Sculptures. For more information, visit www. ButlerLibrary.org/museum-passes/ or by phone 973-838-3262. • The Knitting & Crocheting Circle at Butler Library on the 1st and 3rd

Tuesday of every month 6:30-8:00pm. Come join us, from beginners to experienced, all are welcome to come socialize, share their projects or learn new knitting or crocheting skills from one another. Sign-ups are not required for this event. • The Circle of Friendship, a non-denominational support group for the separated and divorced, meets at 7:30pm on the first and third Thursday each month at St. Mary’s Church, 17 Pompton Avenue in Pompton Lakes. For information call the parish at 973-8350374. • Butler Public Library, in collaboration with the Morris County Family Success Center, is offering

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citizenship classes on the second and fourth Thursday of every month from 6-7:30pm for free. Please call to register at 973-6209711. The Morris County Family Success Center, a program of the Partnership for Maternal and Child Health of Northern NJ, is supported by funding from the New Jersey Department of Children and Families. Butler Public Library is located at 1 Ace Road, behind the municipal building, visit www.butlerlibrary.org or by phone 973-838-3262. • The Pompton Lakes Republican Club holds public monthly meetings every third Thursday, at the VFW Post 2906, Wanaque Avenue. Participate in informative meetings,

community outreach, youth scholarships and social activities. Questions, please call 973-835-4025 or email kbaig@optonline.net. Butler Library Happenings Healing & Freedom from PTSD - Wednesday, February 1, 6:00 pm – 7:30 pm. Presented by Adele Bertholet, Energy Healer/ Coach/Teacher Has life been a series of challenges and upheavals? Join us to learn more about Post Traumatic Stress Disorder and receive help, support and tips to create a calm and empowering life from now on! This free program is limited to 30 participants. Please call 973-838-3262, or sign up at the Circulation Desk at Butler Library.

Piano Concert - Wednesday, February 8, 2017, 6:00 pm – 7:30 pm. Presented by German Sanchez, Fulbright Student This piano concert will showcase the influence of jazz in Mexico and how México has absorbed the jazz tradition and contemporary Mexican jazz composers have incorporated the flavors and rhythms of Mexico into their music. Songs by nationally and internationally renowned composers will be played including Daniel Wong, Pepe Torres, Felipe Gordillo and others. This free program is limited to 25 participants. Call 973-8383262, or stop by the Library to sign up.

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Dodge Winter Lawn Damage

inter conditions can present a wide range of challenges to your lawn and landscape, but there are precautions you can take to protect your lawn, as well as your trees and shrubs, from seasonal harm. Preventive steps from the lawncare experts at TruGreen can help your lawn survive the winter season’s harsh elements. Snow Plow Damage Install brightly-colored boundary markers along the edges of paved areas to help protect lawn and shrubs from snow plow and snow thrower blades. Lightweight wooden stakes, at least four feet tall with bright reflective tape and brightly covered fiberglass rods, serve as

good markers. Avoid heavy metal, fence posts and other large objects, as they can pose a hazard to snow plow operators. Cold Temperature Stress More so than any other season, trees and shrubs are vulnerable to changing weather conditions during the winter. Wide temperature fluctuation and extremely low temperatures are the biggest factors of tree stress, meaning your trees are more susceptible to things like frost cracks, sunscald and winter burn. Keep twigs and limbs from breaking under the weight of ice by carefully brushing away, whenever possible, any snow load from plants, which will reduce the weight on the limbs and decrease the

damage. Placing a burlap cover around shrubs such as boxwood and yews will help reduce winter desiccation. Proper fertilization can help keep your trees and shrubs healthy well into spring, and allow them to better tolerate winter. A service like TruGreen can help with tree and shrub services customized to meet your landscape’s every need, including applications to control overwintering insects, pests and mites. Freezing Temperatures Damage to plants, shrubs and trees as a result of sustained low temperatures can typically go undetected until spring or early summer, when plants fail to produce new growth. To help prevent damage,

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maintain a two- to threeinch layer of mulch to help protect the crown and roots from weather extremes. Winter Dehydration During the colder months of winter, plants cannot replace moisture lost from leaves and needles. This leads to “dehydration” – technically known as desiccation. To help avoid this problem,

maintain proper watering late into the fall, or water during periods of winter thaw. TruGreen offers an anti-desiccation service that helps reduce moisture loss caused by cold winter winds for broadleaf evergreens that are most susceptible to winter desiccation. Ice Melt Ice-melting agents, such

as rock salt and products containing calcium and magnesium chloride, may accumulate in the soil and cause damage to plants. Use extreme care when applying ice-melting agents to prevent damage to your plants or concrete surfaces. Find more advice to help prep your lawn for winter at TruGreen.com.

Did You Know?

any homeowners have lofty goals for their homes. Such plans may include extensive renovations or even additions. While many of these projects create beautiful changes in a home, it’s important to consider the impact that renovations can have on property value before beginning a project. Many home improvement projects do not add as much value as homeowners may think they do. In fact, some homeowners “overbuild” for their neighborhoods. This means the amount of money invested in im-

provements can likely never be recuperated because the house value simply exceeds those around by too much money. To avoid overbuilding, homeowners can ask themselves several questions before beginning a renovation project. • Will my house be the largest house in the neighborhood? Larger homes tend to have a lower price per square foot, so you may not want to improve to this extent. • Will the house blend with others in the area? If your house will stick out like a sore thumb, it will

detract from its own value and could impact the value of other homes in the area. • Have I examined the cost vs. value of the project? Many home improvement resources analyze the cost of a project versus the overall value of that project with regard to property value. For example, a $100,000 basement remodel may not add $100,000 to the value of the home in the event you choose to sell down the line. It’s important to know which projects provide the best return on investment.

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Steps to Take Before an Appraisers Visit

omeowners unfamiliar with the appraisal process might not know if there is anything they can do to make the process go more smoothly. While certain variables involved in the appraisal process, such as location of the home and the value of surrounding homes, are beyond homeowners’ control, the Appraisal Institute recommends homeowners take the following steps before an appraiser visits their home. • Clean the house. A dirty home that is full of clutter will not make the best impression on appraisers. Dirty homes may be vulnerable to insect infestations that can lead to

house and property; a deed or title report; a recent tax bill; if applicable, a list of items to be sold with the house; purchase history of the home; and the original plans and specifications of the home. structural problems with the home. While a dirty home is not necessarily an indicator of infestations or a reflection of a home’s value, a clean home will create a stronger first impression with the appraiser. • Make any necessary repairs ahead of the appointment. Homeowners who have been putting off repairs should make them before the appraiser arrives. Homes with repairs that still need to be made

will likely be valued less than similar homes with no such repair issues. Though repairs can be costly, investing in home repairs will likely increase both the appraisal and resale value of the home. • Obtain all necessary documents before the appraiser arrives. Homeowners who have certain documentation at the ready can speed up the appraisal process. Such documentation may include a survey of the

Pequannock UNICO‘s 2017 Mt. Airy Casino Trip and Show

ome join the Pequannock UNICO trip committee on Tuesday, February 28th for the Mt Airy Casino and show “The Ultimate Johnny

Cash Tribute-Ring of Fire”. The price of $70.00 per person includes bus transportation, slot play ($10), free buffet lunch, and matinee show. Reservations sug-

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regard to a home’s appraisal value vary depending on a host of variables, but having such information at the ready can help appraisers make the most informed appraisal possible.

HomeTown News 100% Mailed

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RESIDENTIAL BROKERAGE

Proudly Providing the Highest Level of Real Estate Service in the Industry! WILLIAM BOSWELL Sales Associate Previews Luxury Specialist O 201.891.6700 D 201.848.3413 C 973.224.4605 F 862.345.1091 E Bill@NorthJerseyLuxury.com NorthJerseyLuxury.com

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Here Is Our 2016 Resume! SO

POMPTON PLAINS

BUTLER

RIVERDALE

BLOOMINGDALE

SADDLE BROOK

WYCKOFF

BLOOMINGDALE

POMPTON PLAINS

WAYNE

WYCKOFF

POMPTON PLAINS FAIR LAWN

POMPTON PLAINS

WEST MILFORD

WYCKOFF

FRANKLIN LAKES

CEDAR GROVE

WAYNE

POMPTON PLAINS

LINCOLN PARK

VERONA

NORTH HALEDON

LITTLE FALLS

POMPTON PLAINS

LINCOLN PARK

MONTVILLE

POMPTON PLAINS

KINNELON

JERSEY CITY

PARAMUS

BERGENFIELD

Plus 138 Additional Homes SOLD! Let Us Serve You in 2017 - Call 973.224.4605 with All of Your Real Estate Needs! © 2016 Coldwell Banker Real Estate LLC. Coldwell Banker ® is a registered trademark licensed to Coldwell Banker Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Owned & Operated by NRT LLC. If your home is currently listed, please disregard this offer.

Page 24 • January 18, 2017 • Tell Them You Saw It In The HomeTown News - Zone 18 • Like us on facebook www.facebook.com/mypaperonline.com

Need A Great Agent? Call Tina Cali Today For Top Notch Personal Service! SERVING ALL TOWNS UP AND DOWN THE ROUTE 23 CORRIDOR! BEAUTIFUL 1 AND 2 BEDROOM / LOFT CONDOS FOR SALE AT THE GRANDE AT RIVERDALE

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THANK YOU TO ALL MY AMAZING CLIENTS FOR A GREAT YEAR IN 2016!

Wishing Everyone A Happy & Healthy New Year!

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142 Route 23 North Pompton Plains, NJ 07444

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FOR THE HANDYMAN! 2 BR, 1 BA 4.125/4.318% APR $581 PER MONTH

BUTLER $149,800

CLIFTON $155,500 3RD FLOOR CONDO! 1 BR, 1.1 BA 4.125/4.312% APR $603 PER MONTH

NEWLY LISTED! 4 BR, 2 BA, 1 CAR DET GAR 4.125/4.210% APR $1511 PER MONTH

HASKELL $269,800

LINCOLN PARK $325,000

WAYNE $169,000

NEW BATH! 3 BR, 1 BA 4.125/4.239% APR $1046 PER MONTH

HOPATCONG $235,900

NEW CONSTRUCTION! 2 BR, 2 BA, 1 CAR DET GAR 4.25/4.380% APR $928 PER MONTH

LINCOLN PARK $524,900

POMPTON PLAINS $439,900

POMPTON PLAINS $249,900

POMPTON PLAINS $235,000

ALL LARGE ROOMS! 4 BR, 2 BA, 2 CAR GAR 4.125/4.202% APR $1706 PER MONTH

NEWLY LISTED! 3 BR, 1 BA 4.125/4.247% APR $969 PER MONTH

NEWLY LISTED! 4 BR, 2.1 BA, 2 CAR GAR 4.125/4.192% APR $2035 PER MONTH

ONE OF A KIND CONDO! 2 BR, 1 BA 4.125/4.254% APR $911 PER MONTH

FINISHED BASEMENT! 2 BR, 2 BA, 1 CAR GAR 4.125/4.223% APR $1260 PER MONTH

RENOVATED IN 2010! 1 BR, 1 BA 4.125/4.298% APR $655 PER MONTH

HACKENSACK $259,900

HARDYSTON $239,900

HASKELL $285,000

POMPTON LAKES $174,900

POMPTON PLAINS $684,900

POMPTON PLAINS $639,000

WEST MILFORD $345,000

WEST MILFORD $299,995

WEST MILFORD $224,900

PRICE REDUCED! 2 BR, 2 BA 4.125/4.243% APR $1008 PER MONTH

PRIVATE LOCATION! 2 BR, 2 BA 4.125/4.293% APR $678 PER MONTH

NEWLY LISTED! 4 BR, 2.1 BA, 2 CAR GAR 4.125/4.218% APR $1338 PER MONTH

LAKE VIEW! 2 BR, 1 BA 4.125/4.252% APR $930 PER MONTH

IN THE HEART OF TOWN! 4 BR, 2.1 BA, 2 CAR DET GAR 4.25/4.307% APR $2695 PER MONTH

NEWLY LISTED! 4 BR, 2.1 BA, 2 CAR DET GAR 4.125/4.230% APR $1163 PER MONTH

NEW CONSTRUCTION! 2 BR, 2 BA, 1 CAR GAR 4.125/4.234% APR $1105 PER MONTH

ELEGANT & GRACIOUS! 4 BR, 2.1 BA, 2 CAR GAR 4.25/4.309% APR $2515 PER MONTH

FRONT & BACK DECKS! 3 BR, 2 BA 4.125/4.259% APR $872 PER MONTH

©2016 CENTURY 21 REAL ESTATE LLC. CENTURY 21® is a trademark licensed to Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each office is independently owned and operated. All information deemed reliable but not guaranteed. Prices subject to change. If your property is currently listed with a real estate broker please disregard this offer.

Ryan Barry

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Call today for a complimentary Mortgage Pre-approval and know your buying power before beginning the home buying process.

973-200-3262 Direct • 973-454-5183 Cell • 973-200-3231 Fax • ryan.barry@njlenders.com Mortgage Payments listed above are based on principal & interest only on a 30 yr fixed mortgage and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR based on a 740 credit score as of November 9, 2016. 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.

Page 26 • January 18, 2017 • Tell Them You Saw It In The HomeTown News - Zone 18 • Like us on facebook www.facebook.com/mypaperonline.com

How to Determine if Downsizing is For You

s men and women retire or approach retirement age, many opt to downsize their homes. Such a decision can save older adults substantial amounts of money while also liberating them from the hassle of maintaining large homes they no longer need. Downsizing to smaller homes or apartments is a significant step, one that homeowners should give ample consideration before making their final decisions. The following are a handful of tips to help homeowners determine if downsizing to smaller homes is the right move. • Get a grip on the real estate market. Downsizing

is not solely about money, but it’s important that homeowners consider the real estate market before putting their homes up for sale. Speak with a local realtor or your financial advisor about the current state of your real estate market. Downsizing can help homeowners save money on utilities, taxes and mortgage payments, but those savings may be negated if you sell your house in a buyer’s market instead of a seller’s market. If you think the current market won’t get you the price you are hoping for, delay your downsize until the market rebounds. • Take inventory of what’s in your house. Emp-

Frank Abate,

ty nesters often find that their homes are still filled with their children’s possessions, even long after those children have entered adulthood and left home. If the storage in your home is dominated by items that belong to your children and not you, then downsizing might be right for you. Tell your children you are thinking of downsizing and invite them over to pick through any items still in your home. Once they have done so and taken what they want, you can host a yard sale, ultimately donating or discarding what you cannot sell. Once all of the items are gone, you may realize that moving into a smaller place is the finan-

cially prudent decision. • Examine your own items as well. Your children’s items are likely not the only items taking up space in your home. Take inventory of your own possessions as well, making note of items you can live without and those you want to keep. If the list of items you can live without is extensive, then you probably won’t have a problem moving into a smaller home. If you aren’t quite ready to say goodbye to many of your possessions, then you might benefit from staying put for a little while longer. • Consider your retirement lifestyle. If you have already retired or on the verge of retirement and

Pompton Lakes $326,900

Broker Salesperson

plan to spend lots of time traveling, then downsizing to a smaller home may free up money you can spend on trips. And if you really do see yourself as a silver-haired jetsetter, then you likely won’t miss your current home because you won’t be home frequently enough to enjoy it. If travel is not high on your retirement to-do list but you

Pompton Lakes $189,900

have a hobby, such as crafting, restoring classic cars or woodworking, that you hope to turn into a second profession, then you might benefit from staying put and converting your existing space into a workshop. Many retirees downsize their homes, but this decision requires careful consideration of a variety of factors.

Rockaway $329,900

JUST LISTED

Must Sell to Settle Estate

RE/MAX Traditions Realty Office 383 Ramapo Valley Road Oakland NJ 07436

Office 201-337-6600 Cell 973-650-0149 www.frankabate.com

This is a WOW home. Nice open floor plan in this 3 Br 2 Ba Expanded New England Cape. Hardwood flooring, quality wood stove, Updated kitchen and Baths. Full Basement all on a Level 100 x 110 Non Flood Lot!

No Flood - 2 Br 2 Bath Home with Solar Panels and High energy efficiency features. Mitsubishi Built in A/C, deep level fenced in yard. Paver driveway. Sale is subject to 3rd party approval. Must SELL!

Modern 3 Bedroom 2 Bath Home with Central Air, Fireplace, city water and Sewers. Private back yard with deck & Hot tub. Priced for Immediate sale.

Ringwood $359,900

Franklin Lakes $369,900

Elmwood Park $309,900

Pompton Lakes $257,000

JUST LISTED

JUST SOLD

SOLD BY FRANK

Approx. 2600 fin. sq. ft. in this 4 Br, 2.5 Bath Colonial. First time offered for sale since built in 1968. Updated Kitchen and Fam. room addition with Gas Fplce and Cathedral Ceilings. Beautiful ½ acre Lot within the Cupsaw lake community. New 4 Br septic installed 12/16.

3 Bedroom Ranch on 1 Acre lot in need of Updating. Sold in “AS IS” condition. Do you have a TOUGH Sell Property in Need of too many repairs to mention? Call Frank A. today to Get it SOLD Right away! Cell 973-650-0149.

4 Bedroom 2 Bath in need of updates inside and out. Sold for $300,000, close date 12/14/16. Do you have a property to sell in Bergen, Passaic or Morris County? Call Frank A. today for great results. Cell 973-650-0149.

Houses For Rent Bloomingdale - 2 Br 2 Ba home on large level lot w/2 car gar, deck and porch. Modern interior. Washer Dryer & Fridge included. $2100 a month Small Pets ok. Call Frank A for all details today at 973-650-0149. Pompton Lakes – 3 Bedroom 2 Bath with Fireplace Built-in A/C. Family room addition. 1 Car Built-in Gar. Full Basement with laundry hook ups. Updated Kitchen and Bath. Freshly painted interior. $2500 a Month.

3 Br 2 Bath Home sold by Frank A. Hello Pompton Lakes. Buyers are you looking for a Nice Home in town? Call 20+ year Pompton Lakes resident Frank A. and let him help you find a good home in a GREAT little town.

Coming Soon Oakland - 3 Br 1.5 Ba Ranch with 1 Car Att Garage. Updated Kitchen and Interior. Riverdale - 4 Br 2 Ba Cape with 2 Car Att Garage. Cent Air., Washer, Dryer, Fridge. For updates on these or other Single Family rental Homes Call Frank A. today 973-650-0149.

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Cindy Gallagher

Simply the

Best

A Native Of Kinnelon #1 Top Producer Relocation Specialist Circle Of Excellence Premier Sales Agent Preview Property Specialist

WILMINGTON, DE PERMIT NO. 834

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Over 25 Years Experience in Sales & Marketing

email me at cgallaghercoldwellbanker@msn.com

From Our Home To Yours, Wishing You A Happy New Year

Cindy Gallagher

A Few Of Cindy’s Recent SOLD Homes. For Results, Call Cindy 973.714.3897

SOLD SOLD SOLD SOLD SOLD Sold for $899,900

Sold for $829,000

Sold for $655,000

Sold for $630,000

Sold for $607,500

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12 Red Oak Lane, Smoke Rise

7 Thornwood Drive, Kinnelon

756 Ridge Rd Terrace, Smoke Rise

457 Laurel Lane, Smoke Rise

SOLD SOLD SOLD SOLD SOLD Sold for $535,000

Sold for $427,500

Sold for $400,000

Sold for $375,000

Sold for $360,000

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