Zone 15 wayne final by My Life Publications..Maljon LLC

Zone 15

HELP WANTED Local Writers Needed Email hteditor@ newviewmg.com

No. 13 Vol. 2

www.mypaperonline.com

January 31, 2017

Food Donations Sought During Winter Months

onations for the Wayne Interfaith Network (WIN) food pantry are being requested during these winter months. Bags of non-perishable food and other basic necessities, like paper goods, toiletry items and cleaning products, may be brought to one of the drop off areas in town: The Wayne Y, 9 a.m. 5 p.m., Mon.-Thur., and 9 a.m. - 2 p.m. on Fri. Use the Jewish Family Ser-

vices entrance; The Wayne Public Library or Preakness Branch during library hours. WIN is a coalition of volunteers from local houses of worship and service organizations in the greater Wayne area. It provides ongoing provisions of non-perishable food and other basic necessities for Wayne residents who are in need. Visit www.winfoodpantry.org for a list of what

the pantry currently needs most. Please limit donations to regular sizes, not super sizes, and check that all expiration dates are current. Plastic or aluminum containers are preferred over glass. Items must be non-perishable with no dents or cracks in cans or bottles and no torn or open boxes or containers. Besides its very active food pantry, WIN’s other support programs for Wayne residents in need

include Summer Sneakers & Tees, Back-to- School Clothes & Shoes, and Thanksgiving Baskets. Clients are screened by the Wayne Senior and Social Services Department. Anyone who is in need of food should contact Regina Parks at 973-694-1800, ext. 3281. Groups and organiza-

tions planning to collect food and other basic necessities should first contact the WIN Food Pantry at 973-595-1900 or email info@winfoodpantry.org. Anyone wishing to make a monetary donation may mail a check or money order to the Wayne Interfaith Network, PO Box 3341, Wayne, NJ 07474-3341. To

make a donation in honor of or in memory of, please include pertinent details including name and address and the mailing address for the person being honored. All donations are gratefully received. If moving, consider donating the non-expired food in cupboards to the food pantry.

CRS Foundation Fund Raiser A Huge Success

big thank you to Mike (from The Taphouse House Grille) for a successful Dine & Donate fund raiser for The CRS Foundation. They donated $750.00, which represents 20% of the bills generated by CRS supporters from the 2 day event. Carlos Raymond Saavedra Foundation (CRS) was created to honor and celebrate Carlos Raymond’s survival. The primary goal of the CRS Foundation is to raise money and provide for various organizations as

well as families that are struggling with the fight against cancer and other debilitating diseases. The CRS Foundation is proud to have given out $47,000 in cash and gift cards to families all over the country, as well as St. Jude’s Children Hospital. For more information on the CRS Foundation visit our websites at www.carlosraymondsaavedrafoundation.com or email us at info@carlosraymondsaavedra.com.

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Temple Hosts Seder lease join in on Sun., Feb. 5, at Temple Beth Tikvah in Wayne for a Traditional Tu B’shavat Seder complete

O T

with chocolate chips, strawberries, pomegranates and other treats at 10:30 a.m.

Rabbi To Present

n Tues., Feb. 7, at 1 p.m., at Temple Beth Tikvah in Wayne there will be a community wide event featuring

Rabbi Emeritus Israel Dresner to discuss “The Life & Times of Shimon Peres.”

Save Date For Synagogue’s Sixty Year Celebration

emple Beth Tikvah in Wayne has planned its 60th Anniversary Dinner/Dance at the Brownstone on Sat., June 3. Celebrating Our House of Hope’s 60th Anniversary, honoring Ellen Goldin on her 25th Anniversary of Service to TBT and recognizing all of the synagogue’s past

presidents. Want to help? In the business or have family who can offer graphic design, signage, centerpieces, printing, premium giveaways, DJ, photo booth? Contact Paula Rindner at pgrindner@aol.com or Taryn Glassman at tarynglassman@gmail.com.

Wine Tasting Event Supports Shul

Puppets To Share

BT Wine Tasting for Parents of Religious School on Sat., Feb. 25 from 7:30 p.m.-10:30 p.m., hosted by Lauren and Greg Sandler in Wayne. Tasting led by wine expert from Kedem winery, appetizers and desserts. Cost is $20 per person with all proceeds going to

Temple Beth Tikvah Religious School and Family programs. Make checks payable to TBT and mail to The Sandlers, 45 Ponds Circle Wayne, NJ 07470. RSVP to Greg by text at (201) 704-3768.

eligious school students at Shomrei Torah Congregation in Wayne decorate puppets to donate to Tomor-

row’s Children at Hackensack University Medical Center.

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

This Valentine’s Day, find your new love! ADOPT A CAT OR KITTEN AT OUR SPECIAL EVENT

Sunday, February 12th • 11:00 am - 3:00 pm Mike’s Feed Farm 90 Hamburg Turnpike, Riverdale

Every approved adopter gets a deluxe cat bed. 973-968-5900 | 381 Route 23 | Pompton Plains, NJ www.Spa23.com | Open 24 Hours

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Anthony Francos Ristorante & Pizzeria It really is a... “Taste you can trust at prices that are just right!”

CHICKEN • VEAL • SEAFOOD • PASTA • HOT & COLD SANDWICHES WRAPS/SANDWICHES

GO ONLINE for OUR FULL MENU and ORDER for YOUR FOOTBALL PARTY TODAY!!!

Mixed Wraps & Sub Platters Available Whole Wheat • Plain • Sun Dried Tomato Spinach Wrap

3-6 Foot Subs Available Garnished with lettuce, tomatoes, onions, oil & vinegar $15 per foot for a standard sub. For any specialty subs contact the store manager for more information.

HALF TRAY: 8 TO 10 PEOPLE, FULL TRAY: 10 TO 15 PEOPLE

HOT APPETIZERS Half Tray Full Tray Mozzarella Sticks....................................................$40.00...................................... $80.00 Buffalo Wings .........................................................$40.00...................................... $80.00 Chicken Fingers ......................................................$40.00...................................... $80.00 Pigs-in-a-Blanket ...................................................$40.00...................................... $80.00 COLD APPETIZERS Bruschetta ..............................................................$40.00...................................... $80.00 Fresh Mozz/Roasted Peppers ..................................$40.00...................................... $80.00 Eggplant Tower ......................................................$40.00...................................... $80.00 SALADS House Salad ...........................................................$25.00...................................... $50.00 (Add Chicken) .........................................................$10.00...................................... $20.00 Caesar Salad ..........................................................$30.00...................................... $60.00 (Add Chicken) .........................................................$10.00...................................... $20.00 Greek Salad ............................................................$30.00...................................... $60.00 Antipasto ................................................................$30.00...................................... $60.00 Fruit Platter.............................................................$40.00...................................... $80.00

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PASTA Half Tray Full Tray Pasta with Vodka Sauce .........................................$40.00...................................... $80.00 Pasta with Meatballs or Sausage ............................$45.00...................................... $90.00 Pasta with Fresh Clam Sauce (Red or White) ..........$50.00.................................... $100.00 CHICKEN Chicken Francese ...................................................$45.00...................................... $90.00 Chicken Marsala .....................................................$45.00...................................... $90.00 Chicken Parmigiana ................................................$45.00...................................... $90.00 VEAL Veal Parmigiana......................................................$60.00.................................. $120.00 Veal Piccata .......................................................... $60.00................................... $120.00 Veal Sorrentino ..................................................... $60.00................................... $120.00 SHRIMP Shrimp Scampi .......................................................$60.00.................................... $120.00 Shrimp Fra Diavola .................................................$60.00.................................... $120.00 Seafood Marechiara (Shrimp, Clams, Mussels, Calamari) .......................$60.00.................................... $120.00

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At Anthony Francos we take our food preparation very seriously, and with so many pizzerias in our area vying for your business, we expect our customers to also take the food quality that they expect very seriously. Our buying power from operating 9 busy stores means not only lower prices for our customers but exclusive deals with one of Wisconsin’s finest cheese dairies. At Anthony Francos we frown on the word “frozen” as we receive daily meat and vegetable deliveries from the Hunts Point market in NY. Most of all, our pasta is of the finest quality, made fresh and delivered to us weekly from one of Brooklyn’s oldest Pasta Houses.

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Holy Spirit School To Celebrate Fun and Friendship

his year Catholic Schools week is especially meaningful for Holy Spirit School as 2016-2017 marks our 60th year providing children with an education that emphasizes the whole child, spiritually, emotionally, intellectually and physically. The week begins with Mass at 11 a.m. on Sunday, Jan. 29th in Holy Spirit Church. Following Mass, all are welcome to an Open House at the school from noon to 2 p.m. The principal and teachers will be available to speak with visitors regarding all the programs and academic curricula offered. It’s a great opportunity for new families to get to know Holy Spirit! Each day, beginning Monday, Jan. 30th through Friday, Feb. 3rd, Holy Spirit will host open house hours from 9:30 to 11:30 a.m. and 1 to 2:30 p.m. “All are welcome to come and see for themselves why we are so excited about our school,” said Sister Marie. On Wednesday evening, Feb. 1st from 7:30 to 8:30 p.m. the principal, parents,

teachers, and students will be available to showcase Holy Spirit School. On Monday Jan. 30th at 2 p.m., Holy Spirit will be celebrating Knowledge and Appreciation of our World. We will hold a Geography Bee which is sponsored by National Geographic. Students in grades 4-8 will be participating. The top two students from each grade will represent their grade in the school wide bee. The winner of the school bee will have an opportunity to qualify to compete in the State Bee in the spring. On Tuesday, Jan. 31st Holy Spirit will be celebrating Students Growing in Knowledge. We will have a Quiz Bowl and students will answer questions, both on grade level from 1st through 8th and general knowledge in a variety of subjects. On Wednesday, Feb. 1st there will be a school wide STEM (Science, Technology, Engineering and Math) challenge. Students in pre-k 4 through seventh grade will participate, with the eighth-graders acting as facilitators in each of

the other classrooms. Each class will be given the same challenge task and will be working together in teams to best solve a problem. The focus will be not only on problem solving, but also on teamwork and communication. On Thursday, Feb. 2nd Holy Spirit will celebrate Fun and Friendship. We will have a tag day and an 8th Grade versus staff Volleyball game. Students will dress in the school colors of red and white to show their school spirit. On Friday, Feb. 3rd we will have an assembly with the Student Council for a presentation by the Homeless Bus about the work that they do feeding the homeless in New York City. The students have prepared special packages to be picked up and delivered to the homeless with personalized, thoughtful messages. If interested please visit us for our week’s activities or contact Sr. Marie Antonelli, M.P.F., Principal for an appointment at 973835-5680 or at mantonelli@att.net.

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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Young Challa Bakers

Organization Calls On Businesses To Outsource Work

o the right thing. How does that sound for a New Year’s Resolution for 2017? Each year many business owners think about what they should do differently in the New Year. Some people question what is management and how is it different than leadership? Management is sometimes defined as doing things right and leadership is said to be “Doing the Right Thing.” How about doing the right thing and at the same time making good business decisions? Sounds good.

Why not outsource some work to those who really need it? These are individuals with special needs. They are people who want to work, want to contribute to their independence, and have some abilities that most businesses need. Foundation for The Handicapped is an organization in Wayne that does just that. It hires the handicapped, train them, and are the vehicle for a company to “do the right thing.” Foundation for the Handicapped is not a charity but a business prepared to handle some a business’s labor intensive work at a

competitive cost. Giving individuals with special needs some work would be doing the right thing as they appreciate their right to work. It is a solid business decision since it will lower operating expenses and contribute to the bottom line. Be recognized as a leader in the area by giving some of the work to this worthy group of special needs people. To get a quote or arrange for a tour of the facility, call 973-956-1313 or email contactus@foundationforhandicapped.org.

OPEN HOUSE

February 3rd from 9:30 to 11:15 a.m. & 1:00 to 2:15 p.m.

“Where Faith and Academics Meet”

HOLY SPIRIT SCHOOL Visit us at: myholyspirit.net

Now Accepting Applications For Fall 2017 Pre-K3 & Pre-K4

Kindergarten thru 8th Grade

* AdvancED Accredited * Social and Emotional Development * Warm Nurturing Environment * Flexible Hours with Half & Full Days * Before & After Care 7:30-8:30am and 3–6pm * Child Friendly Playground * Kindergarten Readiness Program * Art, Music, Gym, Computer Classes

* AdvancED Accredited * Technology Equipped Facility * State of the Art Science Lab * Extra Curricular Activities including: CYO Basketball, Cheerleading, Karate, Performing Arts Club, Fitness, Instrumental Music, Forensics & Chess * Comprehensive Full Day Kindergarten * Before and After Care 7-8am & 3-6pm

For Information Contact: Sister Marie Antonelli, M.P.F. mantonelli@att.net or 973-835-5680

330 Newark Pompton Turnpike, Pequannock

homrei Torah Religious School students in grades prekindergarten through second grade came to religious school in Wayne on Sun.,

Jan 22, to learn about and bake challa for Shabbat. Pictured are teacher Jocelyne Berkowitz and some of the second graders making one of the many batch-

es of dough. Each student took home a loaf and additional loaves were donated to the food challenged in our area.

Music Artist Set To Benefit Elderly

n Sun. Feb. 26, from 2 p.m. to 5 p.m., the Auxiliary of the Little Sisters of the Poor presents Deacon Anthony Liguori, Jr., singer/ songwriter/recording artist. He is an Elvis tribute artist and plans to perform gospel

music and some original compositions. All proceeds benefit the elderly poor at St. Joseph’s Home for the Elderly in Totowa. Reservation, required by Feb. 14, is $30 per person and includes refreshments. Make out

checks payable to the Auxiliary of the Little Sisters of the Poor; mail to Marguerite Lombardi, 270 E. 23rd St., Paterson, N.J. 07514. For more information, contact Marguerite at 973684-3479 or email at lombama@hotmail.com.

FLOWERS GALORE & More

FULL SERVICE FLORIST We Design From Our Hearts OPEN TUESDAY February 14th 9am-6pm Full Assortment of Bouquets, Arrangements and Roses

503 MAIN ST. • BUTLER • 973-838-9200 www.flowersbutlernj.com

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Running For Fun And Money

he students from Theunis Dey Elementary School in Wayne raised more than $10,000 participating

recently in The Fun Run fundraiser that promotes positive character, qualities and healthy habits while having fun!

Stay Warm This Winter By Racing And Donating At Fitness Event

enguin Pace, The Winter Fitness Event, makes its debut at Wayne’s Packanack Lake on Sat., Feb. 4. The race’s goal is to keep people active during the cold winter months while providing an opportunity to help those in need. While the focus of the race is on fitness and fun, Penguin Pace will donate a portion of the event proceeds to Wayne Interfaith Network’s Food Pantry. All participants are requested to make additional

monetary and food donations on race day. Other than the 2.67 miles around Packanack Lake, all festivities, including registration, the award ceremony/random prize drawing and Hot Cocoa Party happen in the warmth of the Packanack Community Church. Every participant receives a Penguin Pace coffee mug and a race t-shirt in addition to access to the post race Hot Cocoa Party. “Our events focus on the ‘fun’ while we use our

talents as race coordinators to give back to the community,” says Robert Barwick, of Wayne, who has been coordinating events in the area for over two decades. For more details, go to www.penguinpace.com. Barwick Group, a Wayne based event coordination company, has over 21 years and 1,500 events worth of experience. Its goal is to create fun fitness events while earmarking a portion of event proceeds to local charities.

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

Celebrating Our 10th Year of Excellence in Preschool Academics

FULL & HALF DAY KINDERGARTEN AVAILABLE

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• Ages 2 1/2 - 6 years old • Academic/Social Preschool and Kindergarten Programs • New Jersey Licensed School

OPEN REGISTRATION Sat., Feb. 11th at Noon HOURS: 7AM - 6PM

• All Staff CPR/First Aid Trained • Outdoor/Indoor Play Areas • Snacks Included • Privately Owned & Operated

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We Make EVERYTHING from SCRATCH. We do not use any ready-made prepared foods.

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Learn Techniques on Gardening In Shade

he monthly meeting of the Riverview Garden Club is set for 7 p.m. on Wed., Feb. 1, at the Preakness Health Care Center, Wayne. Presenter Diane Lattanzio, fellow member and master

gardener will speak about gardening in the shade. Discover the potential of shaded areas in the yard and create appealing, low maintenance shade gardens. This presentation will offer ideas and in-

Principal For The Day

formation on planning, planting and maintaining this type of garden. For information, contact Linda Wescott at 973-694-1098, email riverviewgc13@ yahoo.com or visit www. riverviewgardenclub.com.

Mens Beefsteak

Men’s Beefsteak Dinner and entertainment will be held on Friday February 24, 2017 at 7:00 pm at the Immaculate Heart of Mary gym. 580 Ratzer Road, Wayne, NJ. The evening will include a

beefsteak dinner (family style, Giresi Catering) and refreshments, followed by a sports/motivational presentation Name To Be Announced, a question & answer period, a raffle and door prize. Cost is $46.00 per person. Tickets may be

purchased by calling John Ivacic @ 973 694 5541 or Joe Tomaszek @ 973-6961854 or call the Rectory office at 973-694-3400 (M-F, 10 - 4) All proceeds from the evening will support youth activities at the parish.

fter raising the most money for the Theunis Dey Elementary School Fun

Run, Peter Garofalo was made principal for the day!

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FINANCIAL News! I

’m sure you’ve heard this expression sometime throughout your life, mostly in the context that you might as well spend “it all” before you die, because “you can’t take it with you.” A few hundred years ago, people were either burned after death or buried with a couple coins placed over their eyes to pay the boatman for the journey across the River Styx to the next dimension or destination, Hell, Hades or the place where people believed they would go in the after-life. For those poor souls who couldn’t pay, the boatman would either not take them or drop them at a location exclusively for paupers, not a pretty or desirable place in the minds

“You Can’t Take It With You!” By Mark E. Charnet

of the times. Those who could pay or pay with a tip, the trip would be much longer down the river to a more enchanted setting, or so they believed. Bottom line: A better life or afterlife costs a lot of money! Which leads me to the topic of this edition’s column, Legacy Planning. Think about this exercise for a moment, one I have thought about and have espoused for many years. Take your Android, I-Phone or Tablet with you one day and head to the cemetery you normally visit; at random, grab a name off any headstone and enter it into a Google search to research that individual’s life. In virtually every case, as you will find, the results will yield nothing. For a few,

you may find their obituary or that they held a political office, was a volunteer for a charity, a president of a company, a criminal perhaps or maybe an inventor of something. However, for the vast majority of names, the search will reveal absolutely nothing, meaning the only legacy they left behind on this earth was a filled up septic tank! Sorry to say it, but, that is the majority of evidence that most people leave behind after 70 or so years of life. I hope this fact is motivating for you to “do something special or different” before you depart the planet so that Google finds a reason to record the evidence and proof that you even existed and that you played a role in the ad-

vancement of your community, religious affiliation, family, occupation or an even bigger goal, a legacy benefiting humanity! If your goals aren’t that lofty, I know there is something that you can do to enrich the lives of the people you care the most about, you know, the people with your same last name. Financially speaking for a moment, my father, was proud to tell me that his son was financially better-off than he was. That he was better-off than his father and his father was better-off than his father before him. He was proud of my financial accomplishments and the journey I took to get here. Alas, I’m afraid that as a generation, I believe my children and their peers, will have far less opportunity to continue the pattern of son, financially out achieving the father. I believe that my generation, yes I am a Baby Boomer, born in 1961, will be the last generation where our children will financially undoubtedly and overwhelmingly supersede their parents. And you know what, it’s our kids that will need the most amount of capital to survive, more so than the previous two generations before them. Of course, this is my opinion and there will be and are exceptions to my generalizations, however, I do firmly believe that I am correct and the federal government’s

statistics back me up. The biggest one is that 52% of Americans don’t pay income tax, a figure never reached by prior generations, thank goodness. No, You Can’t Take it With You, but, You Can Leave it Behind AND MUCH MORE and it’s vital that you do! Our kids will need our financial help after we’re gone and the more kids we have, the more help they will need since they will receive less than 100% of your estate. What legacy do you wish to leave your children? If you can help them, shouldn’t you do so? Especially if it’s affordable and without reducing your lifestyle in anyway? Wealth Management and Legacy Planning is not only a privilege, it is a necessity today. The wise use and final disposition of your money is of paramount importance. In my opinion, everyone should have a relationship with a competent financial advisor, a financial architect if you will, to advise on the construction, maintenance and distribution of your portfolio when you and your spouse no longer need it. Don’t have one of those in your life or you’re not confident with the one you do have, why not give me a call for a second opinion? Your beneficiaries will thank you. Together we can construct a lifetime income plan for you and

your spouse, simultaneously instituting a Legacy Plan that will enrich the lives of your family, possibly for generations. 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 35 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 10 • January 31, 2017 • Tell Them You Saw It In The Wayne HomeTown News • Like us on facebook www.facebook.com/mypaperonline.com Brought to you by Dr. Matthew Krupnick, the owner of Pequannock Animal Hospital

Human Food Dangerous To Pets

any pet parents do their best to ensure optimal health for their companion animals. Veterinary visits, exercise and diet play an integral role in pet health. Pet owners tend to be very selective when choosing commercial pet foods, but sometimes they’re less discerning when they offer scraps of their own food to pets. It can be hard to resist the pleading eyes of a pet looking for a handout from the dinner table. While it is generally fine to offer a tidbit here and there, even

Dr. Matthew Krupnick, D.V.M.

small amounts of certain foods can cause illness or even death, and pet owners are encouraged to familiarize themselves with foods

that may be hazardous to pets. Some foods people eat can be toxic or even lethal to pets. Avocado, for exam-

ple, contains persin, which can cause vomiting and diarrhea in dogs, according to the Gateway Animal Hospital. Birds and rodents are also sensitive to avocado poisoning. Grapes and raisins are other seemingly healthy foods that can be harmful to pets. The toxin inside of these fruits is unknown, but grapes and raisins can cause kidney failure. Cyanide is present in the seeds/pits of plums, pears and peaches, making these fruits potentially hazardous as well. The ASPCA lists coffee,

591 Newark Pompton Turnpike Pompton Plains, NJ

caffeinated products and chocolate as dangerous for pets as well. These items contain substances called methylxanthines that, when ingested by companion animals, can cause vomiting, panting, hyperactivity, tremors, and seizures. Dark chocolate is more dangerous than milk chocolate. Baking chocolate is the most toxic kind of chocolate to dogs. Foods and products artificially sweetened by xylitol will cause insulin release in many species, and this can lead to liver failure. Keep pets away from

chewing gum, candy and toothpaste. Common herbs like onions, chives and garlic can cause gastrointestinal irritation and may lead to red blood cell damage. Cats are more susceptible than dogs to these foods, but each species can be affected negatively. Dog owners have frequently offered animal bones as a treat. However, these bones may harbor bacteria that can cause gascontinued on page 14

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Do You Struggle with Missing or Failing Teeth? Dental Implants May Help! An Investment in Yourself • Improved Quality of Life Enhanced Appearance Lead to Better Health and Greater Self Confidence

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The Hidden Benefits Of Water

ehydration is a dangerous condition that can cause a host of complications and even prove fatal in severe cases. But as dangerous as dehydration can be, many cases are entirely preventable. The best way to prevent dehydration is to drink enough water. When the body does not take in as much water as it puts out, it can become dehydrated. People who live in warm climates or in elevated altitudes may lose more water than those who do not. In addition, water loss is ac-

celerated during strenuous exercise, highlighting the emphasis men and women must place on drinking enough water during their workouts. But water does more for the body than prevent dehydration. The following are a handful of lesser known ways that water benefits the body. • Water can help people maintain healthy weights. Dieting fads come and go, but water is a mainstay for people who want to control their caloric intake in an effort to maintain healthy weights. Water has zero

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calories, so reaching for a bottle or glass of water instead of a soda, lemonade or another caloric beverage can help people keep the pounds off. A study from researchers at the University of Texas Health Science Center found that even diet soda enhances weight gain by as much as 41 percent. In addition, soda has been linked to conditions such as obesity, diabetes and tooth decay. No such association exists with water. • Water helps to fight fatigue. The fatigue-fighting properties of water are another of its lesser known

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benefits. When the body is not adequately hydrated, it can experience muscle soreness. And fitness enthusiasts who do not drink enough water may notice their bodies require extensive recovery time after working out. Each of those consequences can be prevented by drinking enough water, and doing so can even improve performance, as studies have shown that just a 3 percent loss of body weight due to dehydration can cause as much as a 10 percent drop in performance level. • Water can improve the appearance of the skin. Skin that does not get enough water can turn dry and flaky and feel tight. In addition, dry skin is more likely to wrinkle than adequately hydrated skin. Getting water to the skin can be tricky, as the University of Wisconsin-Madison School of Medicine and Public Health notes that water will reach all the other organs of the body before it reach-

es the skin. But the school recommends applying a hydrating moisturizer within two minutes of leaving the bath or shower and drinking at least eight glasses of water a day to ensure the skin is getting enough water. • Water helps the gastrointestinal tract. Water can help maintain normal bowel function. When the body lacks sufficient fluid, the colon will pull water from stools in an effort to stay hydrated. That can lead to

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constipation, a condition in which people experience difficulty emptying their bowels. By drinking enough water, people can ensure their colon will not have to pull water from stools to stay hydrated, thereby helping them stay regular. Water helps the body in myriad ways, many of which might surprise people unaware of just how valuable water can be to the body.

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or one reason or another, you’ve determined the house you’re living in has become too much to handle. Seniors, empty nesters or those moving from a suburban home into a loft or apartment in the city all face similar challenges when it comes to downsizing. For example, after Judy Raphael’s husband was diagnosed with dementia and moved to a nursing home, it became difficult for her to take care of her large house the couple had lived in for 23 years. At first, Raphael tried to maintain the house by herself, but things started to pile up and soon the house was in need of serious repairs. “There were a lot of unknowns on what was wrong in the house – from mildew and mold to the driveway that needed to be replaced,

the list goes on,” Raphael said. When it comes to downsizing your living space, you can start preparing with these steps. 1. Determine what’s next. Think about what type of lifestyle you want to live moving forward, but take into account how much space you’ll actually need to accommodate that life. Whether it’s a smaller house or alternate option like an apartment or townhome, the first step is to decide what you’re looking for in your next living space. This can also help you figure out what items will move with you and what will need to be sold, donated, thrown away or left behind. 2. Assess what you actually need. Now that you’ve determined that downsizing is your best option, you’ll

4 Steps For Downsizing need to figure out what size, space and things you need. Maybe there’s a pile of stuff collecting dust in your attic or basement that can be sold or donated, or maybe you believe you can move all of your belongings into a more compact area. Either way, a downsize means going through storage spaces, closets and room in your home to determine what stays behind and what goes with you. 3. Sell your home. Raphael knew she needed to fix the house before it would be considered sellable, but knew she could not manage it alone. After seeing a television commercial for HomeVestors, she decided to give them a call to schedule a free consultation with a local independently owned and operated franchise. Over the course of the

seven-month sales process, Raphael not only accepted an offer on her home from Aaron Katz of WinWin Properties, but the unexpected happened: Raphael’s mother passed away. Katz not only promised to let Raphael and her daughter tour the home after it was renovated, but he was also the first to stop by with flowers after her mother’s passing. An option such as HomeVestors, the largest professional house buying franchise in the nation with more than 65,000 houses bought since 1996, offers cash payments and quick closing, which can be helpful in the downsizing process. In many cases, homes can also be sold as-is with no repairs and with unwanted contents still inside. 4. Stay organized during the move. You’ve now spent a ton of time and ener-

gy going through old things and boxing up possessions for the big move – don’t let that time go to waste by allowing your organization to fall apart on move-in day. Make sure you store items

in places that make sense, going room-by-room in an organized fashion. Learn more about the resources available when downsizing at homevestors. com.

Dangerous To Pets... cont. from page 10

trointestinal illnesses. Furthermore, bones can splinter while they are being chewed, potentially lodging in the esophagus or intestines of the pet. The following are some additional human foods and beverages that should not be given to pets: alcoholic beverages, apple seeds, hops, macadamia nuts, moldy foods, mushrooms, potato leaves and stems, salt, tea, tomato leaves and stems, yeast dough and

walnuts. 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.

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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 hteditor@ newviewmg.com Around the Community… • The Riverview Garden Club, a non-profit organization that maintains and beautifies the various historical gardens in Wayne, is hosting a Spring Fling Craft Fair and Flea Market on Saturday, April 22, 2017 from 9am-4pm at the Preakness Fire Company #4, 1739 Ratzer Road, Wayne and is seeking crafters and vendors. An 8’ x 8’ space will be provided indoors. If you sign up by December 1-cost is $25/space; by January 1-$30/space; by Feb. 1-$35/space. For more in-

formation, email the RVGC at riverviewgc13@yahoo. com or write the Riverview Garden Club, Spring Fling, P.O. Box 2504, Wayne, NJ 07474-2504. • Chabad of Wayne is happy to introduce CTeen Jr., a brand new program for 7-9 grade students. CTeen Jr. offers dynamic and exciting classes, trips and more. Students will learn about their Jewish heritage, gain leadership skills, and give back to the community, all within a warm Jewish atmosphere. CTeen Jr. events will be held twice a month on Sunday mornings from 10am-12:30pm at The Chabad Center, 194 Ratzer Road in Wayne and led by Mrs. Chani Gurkov. Please visit www.Jewishwayne. com to register or for a

schedule, call 973-6946274. • CKids Club at Chabad. CKids Club at Chabad of Passaic County. It’s a monthly program for all children ages 3 & up, where they will meet up with other Jewish children and have exciting fun filled programs. All programs will be held at the lower level of Chabad Center of Passaic County, 194 Ratzer Road in Wayne. To register or for a schedule, please call 973694-6274 or email Chani@ JewishWayne.com. • The Golden Age Circle of Wayne Inc., (GACW) is a non-profit senior group that meets every Thursday at 1pm in the PAL Building, 1 PAL Drive in Wayne. Trips, special speakers and bingo are some of the activ-

ities. To join, you must be a Wayne resident and at least 50 years of age. Yearly dues are $7. For information, call Val Turner at 973-6945094. • Jewish Family Service of North Jersey is offering Kosher Meals on Wheels Program in Wayne. The Meals on Wheels Program provides hot, nutritious kosher meals to those people who are unable to cook or shop, due to disability or age. Drivers needed to deliver meals. To volunteer or to request meals, call Paul Klein at 973-595-0111. • The Morning Minyan, a group of caring people dedicated to observing the tradition of daily prayer, meets at 7:30am in the sanctuary of Temple Beth Tikvah, 950 Preakness Avenue, Wayne.

A light breakfast follows a 15-20-minute prayer service. All welcome. • The Pines Lake Woman’s Club is open to women from Wayne. The club meets monthly on the second Wednesday of the month at the Pines Lake Elementary School cafeteria at 7:30pm. Visitors are welcome. The club offers fun, friendship, and service. For information call 973835-3272 or visit www. pineslakewomansclub@yahoo.com. • Spa 23 Health & Racquet Club in Wayne offers birthday parties and special events for all ages. Kids will have the time of their lives at Spa 23 parties! In addition to our pool parties, choose a theme party, or add a theme to your pool party.

Theme parties are available seven days a week. Pool parties are available Fridays, Saturdays, and Sundays. You can also book the entire club for your own private event! The spa is located at 381 Route 23 in Pompton Plains. Contact Laura Severance, Program Director at Spa 23, at 973839-8823. View more information online at www. Spa23.com. • An open invitation to all seniors to join the Golden Key of Wayne. Enjoy fellowship, fun, holiday parties, games and trips. The Golden Key Club meets Fridays from 1-3pm at the Post 174 American Legion building, 55 Mountain View Blvd. in Wayne. For information call Annette Ford at 973-628-0492.

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Low-calorie Foods That Still Fill You Up

unger can be a difficult hurdle to clear for people looking to lose weight. While nutritious foods don’t lack for taste, many people adapting to new diets featuring healthy, low-calorie foods find themselves still hungry after meals, making it difficult for them to stay the course and reach their weight-loss goals. Some low-calorie foods may contribute to hunger pangs, but there are many foods that satisfy hunger despite their low calorie count. Baked potatoes: Potatoes might be high in carbohydrates, but they also are loaded with nutrients and antioxidants that can boost the immune system. Baked potatoes also provide a powerful punch of potassium, which can help men and women better control their blood pressure. That’s especially beneficial to overweight or obese men and women who are already dealing with high blood pressure. Baked potatoes also can make men

and women feel full, which should help low-calorie devotees avoid overeating. Eggs: The reputation of eggs tends to change every few years, and much of that can no doubt be attributed to misinformation about this low-calorie breakfast staple. Eggs are a great source of complete protein, and that protein contributes to feelings of fullness. According to the Academy of Nutrition and Dietetics, eggs contain all nine essential amino acids that, upon being digested, release hormones that suppress appetite. Greek yogurt: Greek yogurt is another excellent and low-calorie source of protein, offering roughly twice as much protein as regular yogurt. Greek yogurt also is an excellent source of calcium, potassium, zinc, and vitamins B6 and B12. But Greek yogurt also contributes to feelings of fullness, as a study from the Nestlé Nutrition Institute found that consuming proteins found in dairy products increases satiety.

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Oatmeal: While many people may only eat oatmeal when fighting a cold, this high-fiber and low-calorie breakfast alternative can be enjoyed year-round, helping to fight feelings of hunger all along. According to the Dairy Council of California©, oatmeal contains soluble fiber that stays in the stomach for long periods of time. That contributes to feelings of fullness and may just decrease mid-morning hunger pangs. The soluble fiber in oatmeal can also decrease low-density lipoprotein cholesterol, which is often referred to as “bad cholesterol.”

Apples: Apples are another low-calorie source of soluble fiber, and apples also are a good source of vitamin C, which can boost the immune system. But continued on next page

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Low-calorie...

cont. from previous page apples are more than just a low-calorie food that contributes to feelings of fullness. Finnish researchers who studied dietary data of more than 9,200 men and women found that those who ate apples frequently had lower risk of stroke than those who did not eat apples. That could be attributable to the effect of soluble fiber on LDL cholesterol as well as the effects of the antioxidant compounds found in apples. Hunger pangs have derailed many a low-calorie diet. But there are plenty of low-calorie foods that also satisfy hunger and reduce the likelihood of overeating.

Score With A Game Day Snack They’ll Love

illions of football fans will be getting a view of the play-offs and the big game at home in front of the bigscreen TV. Part of game day fun is inviting friends over and cheering for your team. Put a new spin on nachos with the following recipe for “California Club Nachos” courtesy of The Pampered Chef Test Kitchens’ “Season’s Best: Fast, Fun & Fabulous.” California Club Nachos 1 tablespoon canola oil, divided 6 corn tortillas (6-inch) 4 slices bacon 2 green onions

1 large ripe avocado, peeled and seeded 2 tablespoons fresh lime juice ¼ teaspoon each salt and black pepper 2 cups finely diced cooked chicken 12 small grape tomatoes 1. Preheat oven to 400 F. Lightly brush a bar pan with half of the oil. Brush one side of each tortilla with the remaining oil. 2. Stack the tortillas, oilside up on a cutting board. Cut into quarters with a pizza cutter. Arrange the tortilla wedges in a single layer in the pan. Bake for 15 to 17 minutes, or until lightly

crisp. 3. Dice the bacon. Place in a sauté pan; cook over medium heat for 7 to 8 minutes, or until crisp, stirring occasionally. Drain on paper towel. 4. Cut green onions into small pieces and place in a food processor until finely chopped. Dice the avocado and add to the processor bowl. Add the lime juice, salt and pepper; process until almost smooth. 5. Carefully remove blade from processor bowl and transfer avocado mixture to a bowl. Add chicken and bacon; mix well. Slice tomatoes in half.

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Freckleface Strawberry, The Musical opens Feb. 4th at Rhino Theatre!

ased on the books written by celebrated actress, Julianne Moore, Freckleface Strawberry is the delightful story of a headstrong little girl who will do anything to get rid of her freckles– from scrubbing them with soap, to caking on makeup, and even wearing a ski mask to school! With the help of her lovable schoolmates including an amazingly talented ballerina, a cutie jock, a charming ditz, and a totally kooky teacher, Freckleface learns that everyone is different – and

that’s what makes everyone special! Performances are on the Rhino Theatre main stage located at 247 Wanaque Ave., Pompton Lakes NJ and the show dates are Feb 4, 5, 11, 12, 2017 at 12 and 4pm. Ticket price is $23 for adults and $18 for children (plus tax). Group rates are available! This is truly a musical with a message that every family should see! Visit RhinoTheatre.com for tickets or call 973-248-9491. Photo credit: Dr. Kenneth Wolosz.

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ith baking season here, it’s time to turn on the oven, bring out the recipes and enjoy the spicy aromas wafting from the kitchen - a promise of delicious treats ahead. Bars, whether they are cookie, cake or even pie, are the easiest to make and serve, especially when there’s a crowd clamoring for dessert. You might have a pumpkin or sweet potato bar in your repertoire, but Aunt Nellie’s suggests Carrot Crumble Bars for a change of pace. Grab a jar of glazed, sliced carrots, slightly sweet and spicy, and ready to enjoy in numerous ways. They are also a great time-saving step for this delicious dessert. They’re cooked and ready to eat, so just puree the entire jar of carrots and add the remaining four ingredients. That’s it for the tasty filling, which is nestled between a crunchy oat crust and topping. Start to fin-

Bake A Batch Of Bars For Dessert

ish in under an hour, most of the ingredients are probably already in your kitchen. Plus, they can be made a couple of days in advance and refrigerated until serving time. The family can enjoy them for a yummy weeknight dessert or make them company-perfect topped with a dollop of whipped cream or a scoop of vanilla ice cream, sprinkled lightly with pumpkin pie spice. Find this and other recipes from Aunt Nellie’s jarred vegetables at AuntNellies.com. Carrot Crumble Bars Prep time: 15 minutes Cook time: 30 minutes Servings: 16 Crust/Topping: 1 cup all-purpose flour 1 cup old-fashioned oats 1/2 cup packed light brown sugar 6 tablespoons unsalted butter, melted

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Filling: 1 jar (15.5 ounces) Aunt Nellie’s Glazed Small Sliced Carrots 1 egg, beaten 1/4 cup granulated sugar 1 teaspoon pumpkin pie spice or ground cinnamon 1 teaspoon vanilla extract Heat oven to 350 F. In large bowl, combine flour, oats and brown sugar. Add butter; stir to coat. Reserve 1/3 cup for topping. Press remaining mixture evenly into bottom of 9-inch square baking pan lined with aluminum foil, if desired. Bake 10 minutes, or until lightly browned and set. For filling, place carrots and liquid in food processor or blender container; puree until smooth. Transfer to medium bowl. Add egg, sugar, pumpkin pie spice and vanilla; stir until well combined. Pour over

baked crust. Sprinkle carrot mixture evenly with reserved crumbs. Bake 30 minutes, or until knife inserted near center comes out clean. Cool completely on wire rack. Refrigerate until firm. Cut into 16 squares. Refrigerate leftovers, covered, for up to 3 days.

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With Winter Settling, Tips Prepare For Any Storm

By Henry M. Holden n recent years, some of the most damaging storms strike long before the first day of winter. Think Hurricane Sandy in October 2012. And the crippling snowstorms in the waning days of winter such as March 12-14, 1993 when a Category five snowstorm which was dubbed the “Storm of the Century. Snow blanketed more than half of New Jersey, with 20 to 30 inches in the far northern sections of the state. The National Weather Service reported the January 2016 blizzard dumped 33 inches in Morris Plains. Whether it’s a snowstorm or a hurricane, being prepared to deal with the storm safely both before,

during and its aftermath is strongly suggested. While the kids may love having a day or more off from school, for adults winter weather means a sometimes-chaotic commute to or from work, or the stress of preparing for the storm. The Morris County Office of Emergency Management (OEM) has put together a preparedness list of winter weather tips. Before the storm hits, prepare the home. Create a checklist. Include flashlights, fresh batteries, a first aid kit, enough prescription medications to last a week, food that doesn’t need heating, a battery-operated radio, and cellphones with extra chargers. In addition to

medication, have a supply of one gallon of water, per person, for a maximum of three days. Don’t forget the four-legged family members. Make sure they have four or five days of food and water. OEM Director Jeff Paul said when temperatures go below freezing, 32 degrees, snow and ice are a real possibility. One of the most important things to do especially for the elderly and those with health issues is to stay inside. This includes pets. Paul says to avoid charcoal-burning devices, kerosene and other space heaters. These devices produce carbon monoxide, a silent killer that can happen without any obvious symptoms. For those using these

The blizzard of January 20, 2005, was a three-day storm that affected large areas of New Jersey. Much of the snow was cleared from the roads by the evening of January 24, leaving dangerous snow piles on roadways and corners 10 feet high in some places. Photo by Henry M. Holden.

heaters, make sure to have carbon monoxide alarms installed in the home; one near the furnace, one near the bedrooms and one in the rooms with a space

heater. Replace the batteries in them at least once a year. Pick the same day every year, say Halloween. Stay warm by wearing layers of loose-fitting,

lightweight, warm clothes. If a power outage lasts overnight or into the later hours, use extra blankets and close all doors to seal continued on next page

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Tips Prepare For Any Storm... cont. from previous page the heat into one area of the home. Prevent freezing pipes. Freezing temperatures can cause major issues to the pipes in a home. Keep cabinet doors open to allow

heat to get to uninsulated pipes under sinks and appliances on exterior walls. Everyone in the household should know how to shut off the water valves; if a pipe does burst, this could save a lot of money in the

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Prepare the vehicle. Having a prepared vehicle for the winter months is as important as home preparation. In the event of becoming stuck in a blizzard or white out conditions, or stranded on a back road, there are things that can be done. Pack a bag to keep in the trunk with warm clothes. In addition to clothes, keep the gas tank as close to full as possible, will keep the fuel line from freezing. If stranded and must sit out the storm, carry two empty coffee cans, several candles, and a blanket. The lighted candles placed in the coffee cans will keep the inside air temperature just above freezing. Wrap up in a

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blanket and stay with the vehicle. One could easily get disoriented in the storm and wind up freezing to death. There will be road crews out even before the snows stop. Paul’s team also suggests taking the car for a full inspection. For example, have the tires checked. If tire treads are slowly wearing away, paying the price for new tires will be better than replacing a vehicle after an accident. Common replacements before winter should include windshield wipers, oil, fluids and air filters. Keep a shovel, snow melt and an ice scraper in the vehicle as ice can be unpredictable. Keep a bag of kitty litter in the trunk

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for traction; sprinkling it underneath the tires can make them stop spinning. Blackouts and brownouts. Partial or full power outages during major storm events are expected. “Keep cash on hand,” said Paul, “because banks and ATM machines depend on electricity to serve their purpose.” Avoid opening the refrigerator or freezer as much as possible. Make sure to have an emergency power supply for anyone who needs power for medical equipment. Preparing a home and vehicle for the coming winter will not keep the snow away, but it will make a much safer winter.

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How To Clean And Maintain Stainless Steel

o matter the style of a homeowner’s kit-chen, be it modern, traditional or farmhouse, stainless steel appliances can add a pop of shine and a touch of class. Proponents of stainless steel appliances note their easy maintenance, stylish look and durability. Plus, the neutral tone of stainless steel helps it blend in with just about any color palette. Stainless steel is lauded for its strength and resistance to corrosion and rust. These attributes make it a popular choice in kitchens, where moisture is an issue. Although they are certainly durable choices, stainless steel appliances re-

quire maintenance to keep them looking and performing at their best. Considering that stainless steel also costs more than other finish options, taking the time to learn proper care can help protect homeowners’ investments. Avoid chlorine bleach or other products containing chloride. Although stainless steel is highly resistant to corrosion, it is not completely impervious. Chlorine products can damage the surface of stainless steel appliances and stain them if the chlorine is left to sit. Do not use metal scourers or coarse abrasives on the stainless steel because such products may scratch

the steel. Steel wool pads can leave behind a residue of small metal particles that may eventually rust. Baking soda mixed with a little dish soap can be used to remove some tough dirt and stains. Rinse well and towel dry to avoid streaking. Clean and wipe the steel in the direction of the “grain.” Usually this means working from the top of the appliance and moving down toward the floor. Consult with the owner’s manual before undertaking any maintenance or cleaning. The appliance may have a special coating over the stainless steel to help protect it, and it’s

best to know what you’re dealing with before getting your hands dirty. If you will be trying a cleaning product or scouring method, always test it first in an inconspicuous spot to see if it is effective or harmful. Julien, a leader in commercial kitchen equipment, recommends applying cleansers with a soft cloth or sponge. Then wipe dry with a soft, clean cloth or allow to air dry. Stainless steel remains a popular material in kitchens for sinks and appliances. With care, stainless steel can look like new for years to come.

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How Building Permits Protect Homeowners

ou are thinking of making a major renovation to your home. Perhaps it’s time to create that master bedroom suite you long have admired or install that wraparound porch? What is the first thing that should be done before getting down to business? The correct way to begin a home remodeling project is to obtain the necessary permits for the job. Many municipalities request individuals obtain permits for a range of work on homes or other structures, such as office buildings. Permits are generally required for all new construction as well as specific modifications that will affect structural, plumbing, mechanical, and

electrical systems. It’s important to check with the local building office prior to beginning work to see which permits you will need before the project can begin. Permits are necessary whether a homeowner is doing the work or hiring an outside contractor. Due to the cost and time involved with securing permits, some homeowners skip this step so they can begin a project promptly. However, this can end up being a costly mistake. Permits might seem like a nuisance, but they actually protect homeowners in various ways. Permits ensure safe workmanship Permits provide a blueprint by which contractors

and do-it-yourselfers must complete renovations. Because inspections will take place, there is no wiggle room. Shortcuts often translate into subpar work that may lead to malfunction and injury in the long run. Safeguarding against poor workmanship means homeowners can feel confident in the work being done. Permits reduce the likelihood of costly mistakes As inspectors go through their checklists, they may notice things that were done incorrectly and will offer advice about how to mend the problem before it becomes a larger headache. If left unchecked, an electrical error could lead to a fire or another dan-

gerous situation. Repairs that are not structurally sound may pose problems or deteriorate more quickly than structures that are constructed correctly. Furthermore, catching improper technique early on eliminates having to tear down and redo work, which can be a costly and time-consuming endeavor. Permits protect against fines Sometimes work goes as planned even for homeowners who did not obtain the necessary permits. However, years later, when other work needs to be done, inspectors may discover homeowners never secured proper permits and inspections years earlier, leading to fines.

Obtain the proper permits before beginning construction.

Furthermore, if work is done without a permit and an accident occurs, any damages or injuries may not be covered by a homeowner’s insurance policy. Permits are an important

part of the home improvement process. Homeowners should not skirt the responsibility because the permit and inspection process is in place to provide protection to occupants.

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FRANKLIN LAKES $1,195,000

Choose the very best with this distinctive 6BR/4+BA home. Space galore. 2 fireplaces. Elegant sensibility and charm! MLS 3335317

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PATERSON $230,000

Move right into this 2BR 2Bth spacious condo w/great open fl plan, updated Kit, DR, LR/fplc, CA & Laundry in conv loc. MLS 3344120

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WANAQUE $262,900

Beautifully updated 2BR townhome featuring open concept, cathedral ceil, skylights, HW flrs, nice Kit, FDR, FamRm + GAR. MLS 3337893

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WAYNE $585,000

HighPoint 3BR 2.2Bth townhome w/Designer features, Chef’s Kit, Cherry HW fls, spacious MBR Ste + Pool,Tennis,Clubhouse. MLS 3343079

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KINNELON $525,000

KINNELON $635,000

KINNELON $825,000

Prepare to be impressed with this exceptional 3BR/3BA residence. Come home to an air of comfort and welcome. MLS 1701719

Charming touches pervade this exceptional 4BR/4BA Vintage-style home. Spreadout space. 3 FPS. An extraordinary buy! MLS 3332603

44 Alize Dr Focus on luxury living in this inspired 5BR/3BA home. Lots of space. Cozy fireplace. An extraordinary buy! MLS 3356516

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POMPTON LAKES $299,900

Very nice recently renovated 3BR 1.5bth Ranch w/updated Kit & Bth, FDR, FamRm, Deck fenced Backyard & More! MLS 3353883

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WANAQUE $314,999

Great 55+ adult comm 2BR open fl plan unit w/EIK,FDR, Balcony+huge Clubhouse, In/Out Pool, Theatre, MORE! Also for rent. MLS 3357567

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WAYNE $658,800

Spacious 5BR Brick front Colonial w/nwr EIK, open fl plan, FLR/DR, GreatRm/cath ceil/skylites,stone fpl, lg deck + 2GAR. MLS 3336719

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POMPTON LAKES $400,000

Relax,enjoy life in this 4BR/3.1BA Col. Incredible curb appeal! The inside won’t disappoint either - updated EIK, Gas FP MLS 3342380

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WAYNE $799,900

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KINNELON $1,429,000

Inspired 5BR/7+BA residence. Spacious layout. 5 fireplaces. Incomparable grace and comfort. MLS 3355275

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KINNELON $1,899,999

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Totally renov 3BR 2.2Bth Colonial w/open fl plan, HUGE Grmt Kit, FDR, new HW fls, 2nd fl Laundry & MBR Ste on ovrszd lot MLS 3335837

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WAYNE TWP. $349,900

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Best buy in Packanack Lk! 2BR 2Bth Ranch w/inviting front porch on extra large property, ovrszd Deck, fin. Bsmt & Garage MLS 3356979

Settle with ease in this noteworthy 3-bedroom Ranch. Cozy fireplace. A cheerful backdrop for a very pleasant lifestyle. MLS3338278

Charming Packanack 4BR 1.5Bth Expanded Cape on corner lot w/spacious LR/wood fplc, Kit/Sep DA, Lge Deck off Kit, MORE! MLS3356195

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WEST MILFORD $465,000

Special 4BR 2.2Bth Brick 3800sf Col w/bridal staircase, large EIK, FLR & DR, FamRm/ flr-ceil wdws, IG Pool+beautiful yd. MLS 3328240

Vizcaya Estates 5BR 5.1Bth home w/many custom features, lots of natural light, open EIK, huge MBR Ste+1000sf rear patio. MLS 3346359

Make yourself at home in this 4BR/2+BA Bi-Level. Amply-sized. Cozy fireplace. It deserves a prize for real comforts. MLS3327298

87 Crest Lake Dr LAKEFRONT-Find a real honey in this very special 4BR/2+BA Col. Spacious layout. Cozy FP. Many charms to cherish!! MLS3353239

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How To Save Enough For A Down Payment On A House

home is the most costly thing many people will ever buy. The process of buying a home can be both exciting and nerve-wracking. One way to make the process of buying a home go more smoothly is to save enough money to put down a substantial down payment.

Saving for a down payment on a home is similar to saving for other items, only on a far grander scale. Many financial planners and real estate professionals recommend prospective home buyers put down no less than 20 percent of the total cost of the home they’re buying. Down payments

short of 20 percent will require private mortgage insurance, or PMI. The cost of PMI depends on a host of variables, but is generally between 0.3 and 1.5 percent of the original loan amount. While plenty of homeowners pay PMI, buyers who can afford to put down 20 percent can save themselves a considerable amount of money by doing so. Down payments on a home tend to be substantial, but the following are a few strategies prospective home buyers can employ to grow their savings with an eye toward making a down payment on their next home. • Decide when you want to buy. The first step to buying a home begins when

buyers save their first dollar for a down payment. Deciding when to buy can help buyers develop a saving strategy. If buyers decide they want to buy in five years away, they will have more time to build their savings. If buyers want to buy within a year, they will need to save more each month, and those whose existing savings fall far short of the 20 percent threshold may have to accept paying PMI. • Prequalify for a mortgage. Before buyers even look for their new homes, they should first sit down with a mortgage lender to determine how much a mortgage they will qualify for. Prequalifying for a mortgage can make the

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home buying process a lot easier, and it also can give first-time buyers an idea of how much they can spend. Once lenders prequalify prospective buyers, the buyers can then do the simple math to determine how much they will need to put down. For example, preapproval for a $300,000 loan means buyers will have to put down $60,000 to meet the 20 percent down payment threshold. In that example, buyers can put down less than $60,000, but they will then have to pay PMI. It’s important for buyers to understand that a down payment is not the only costs they will have to come up with when buying a home. Closing costs and other fees

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will also need to be paid by the buyers. • Examine monthly expenses. Once buyers learn how much mortgage they will qualify for, they will then see how close they are to buying a home. But prospective buyers of all means can save more each month by examining their monthly expenses and looking for ways to save. Buyers can begin by looking over their recent spending habits and then seeing where they can spend less. Cutting back on luxuries and other unnecessary spending can help buyers get closer to buying their next home. • Avoid risky investments. Some times it’s great to take risks when investing, but risk should be avoided when saving for a down payment on a home. Traditional vehicles like certificates of deposit, or CDs, and savings accounts can ensure the money buyers are saving for their homes is protected and not subject to market fluctuations. Saving enough to make a down payment on a home can be accomplished if buyers stay disciplined with regard to saving and make sound financial decisions.

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