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February 14, 2017
Montville Resident Recognized For Centennial Birthday
By Maryanne Christiano-Mistretta nn Golas turned 100 in January and celebrated in a big way, with 22 family members visiting her at her place of assisted living residence at Chelsea of Montville. In addition to family members, Montville Deputy Mayor Frank Cooney and committee member Rich Cook paid tribute right on her birthday, Jan. 24. Golas was originally from Brooklyn and worked as a secretary during her life. She said being in her 20s was the best time of her life, when she took musical lessons as a pianist. Today Golas, who has resided at Chelsea of Montville since 2014, loves to talk to her friends and enjoys people
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watching. “She’s very quiet, stays to herself,” said Renee
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Chimento, activities director of the Chelsea of Montville. “Ann is social with a
select group of peers. She attends all the musical programs. In the spring time
she likes to be sitting outside. She’s passive.”
Play Hockey In Montville This Spring
he Montville Recreation Department plans to sponsor a Roller Hockey & Street Hockey program for grades first through eighth, boys and girls, in the spring. Students will be broken down according to age and ability. This is an opportunity to play in-town, non-checking street and roller hockey games in Montville Town-
ship. Instructional clinics and/or pick-up games will be played Sunday mornings for six weeks. Players will be responsible for providing their own equipment. Helmets with face mask, mouth guard, elbow pads, shin guards, hockey gloves, skates and a stick are mandatory; shoulder pads are optional. Boys must wear protective athletic supporters. Some
loaner equipment will be available. Program takes place at the Masar Park Roller Rink in Boonton on Sun., April 23, 30; May 7, 21; June 4 and 11. Grades first through fourth play from 1 p.m. to 2 p.m. Grades fifth through eighth play from 2:30 p.m. to 3:30 p.m. Depending on the skill level of the participants,
the program format will be a combination of hockey/ skating basics and controlled scrimmage games accommodating participants interested in either street or roller hockey. The cost is $40 per person. For questions and registration contact the Recreation Department at: 973331–3305 or visit www. montvillenj.org.
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Non-Profit Passes On Funds For Cribs To Keep Babies Safe
By Jason Cohen hen a child is born parents worry non-stop. Well, one New Jersey organization is attempting to assuage those concerns by making sure babies are as safe as possible when they sleep. On Jan. 26, Keeping Babies Safe (KBS), a Warren-based non-profit, was the recipient of a $25,000 grant for its ongoing “Project Safe Crib” campaign in Essex and Passaic counties. “We really get our funding through donations and grants, which are so important,” said Joyce Davis, the president and founder of KBS. “We’ve definitely impacted lots of families. The majority of tragedies are preventable.” The grant, which was funded partially by the Partners for Health Foundation, will help purchase 127 cribs in Bloomfield, Caldwell, Cedar Grove, Clifton, Essex Fells, Fairfield, Glen Ridge, Little Falls, Montclair, North Caldwell, Nutley, Roseland, Verona, West Caldwell and West Orange. Davis started KBS in 2006 after her
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four month-old son Garret died because of a supplemental mattress in his crib—a mattress advertised as suitable and safe. Since then she has made it her mission to educate people throughout the country about what types of cribs to purchase and how babies should sleep. KBS works with manufacturers, retailers and the Consumer Product Safety Commission. Since its inception, the organization has run programs in more than 1,200 hospitals and allocated money for more than 10,000 cribs nationwide. Davis explained that she and her colleagues teach hospitals about crib safety and then with the assistance of the hospitals, they find families that need cribs. Part of the process is also showing families a safe sleep video for babies. One issue she often runs into is grandparents passing on old cribs to grandchildren. “Parents really need to educate grandparents,” she said. Cribs have drastically changed during the past 10 to 15 years, she emphasized. In fact, beginning June 28, 2011, all cribs
manufactured and sold, including resale, must comply with new and improved federal safety standards. The new rules, which apply to full-size and nonfull-size cribs, prohibit the manufacture or sale of traditional drop-side rail cribs, strengthen crib slats and mattress supports, improve the quality of hardware and require more rigorous testing.
According to Davis, drop side cribs are extremely hazardous and at one point, more than three million were recalled. She said cribs are much safer today, but it is crucial for babies to always sleep in their own crib. If a baby is going to sleep in a play yard or bassinet, the parents must only use the mattress provided by the manufacturer, she stressed.
“Even though the play yard comes with a play mattress pad, a lot of parents conceive that to be uncomfortable,” Davis said. “But that is the safest way to sleep.” Davis recently filed a petition to ban supplemental mattresses and is working with Assemblyman Jamel Holley (D-Union) to make this happen.
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Church Offers Free Movie Night
he Montville United Methodist Church in Towaco, Kids in Mission, invites everyone to a free family movie night on Sat., Feb. 25, from 5 p.m.-7 p.m. “Finding
Dory” will be shown. Pizza and popcorn will be served. Please bring own beverages. Admission is free, but a donation of gently used children’s DVD to donate
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Birthday Celebration Planned To Kick Off CRS Foundation’s Annual Campaign To Help Families
By Cheryl Conway ince established in 2010, the Carlos Raymond Saavedra Foundation (CRS), has donated more than $47,000 to benefit 30 families of children fighting life threatening or debilitating diseases. The non-profit 501c3 organization is getting ready to kick off its seventh year with its annual Celebration of Life event in honor of Carlos Raymond Saavedra Jr.’s 27th birthday. The party is planned for Sat., Feb. 27, at 6 p.m., at the Brick Town Elks Lodge in Brick. Held every February to honor another year of life for Carlos Jr., Celebration of Life organizers are expecting about 200 attend-
ees this year. Buffet-style dinner and cash bar will be available, along with a tricky tray and 50/50 raffle. Tickets purchased online before Feb. 18 are $35; $45 at the door. Children 12 years and younger are free. Like the other CRS fundraising events held throughout the year, all proceeds go to families with children fighting life threatening or debilitating diseases and donations are made periodically to St. Jude Children’s Research Hospital in Memphis, Tenn. “We do it to honor Carlos and the special man he is,” says Mike Caposella of Wayne, co-founder and treasurer of the CRS Foundation along with his wife
Denise. “It gives you the greatest feeling in the world that you can help a family; how it helps them so much emotionally, physically. It’s one of those things that makes you feel good.” Denise Caposella thought of the idea for the foundation seven years ago after realizing the number of families and their sacrifice when a child is diagnosed with a disease. The struggles families face hit close to home for the Caposellas when their best friend’s child was diagnosed 21 years ago with “medulloblastoma,” a cancerous tumor in the stem of the brain. It was Labor Day continued on next page
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CRS Foundation... cont. from previous page weekend 1996 when the Caposellas were down the shore with their close friends, Linda and Carlos Saavedra, and their son Carlos Jr., who was six years old at that time. “He was a handsome little boy,” recalls Caposella, but he “wasn’t looking too well” and had no appetite. On Oct. 11, 1996, Carlos Jr. was diagnosed with the brain stem cancer and needed surgery. “After a 15 hour brain surgery the family was told he was bleeding to death,” as described on CRS website. “So the doctors stopped the surgery, closed him up, and gave the news
to the family. While everyone was devastated with the news, God gave Carlos Raymond a miracle and the bleeding stopped.” “They couldn’t get the whole tumor,” explains Caposella, who considers Carlos Jr. a nephew. They told him, “He wasn’t going to live ‘til Christmas.” Carlos Jr. was sent to St. Jude’s for therapy. He was the only one to survive the experimental treatment; the seven other children undergoing the same treatment protocol died, says Caposella. The foundation was established in honor of Carlos Jr. and his miracle of life in order to help families who
are now struggling. “Our goal is to help everybody,” says Caposella. According to the CRS mission statement: “In honor and celebration of Carlos Raymond’s survival, the primary goal of the Carlos Raymond Saavedra Foundation (CRS Foundation) is to raise money and provide support for families that are struggling with the fight against cancer and other debilitating diseases as well as various organizations.” The foundation hosts a variety of fundraising events with the goal to obtain corporate and personal donations. Its main purpose is “to give back our gratitude to
Essex-Passaic Wellness Coalition Features Presentation On Cancer Survivorship
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he Essex-Passaic Wellness Coalition (EPWC) plans to have a public meeting, featuring a presentation on cancer survivorship by Mary Jane Tranzillo, APN, on Mon., March 6, from 4 p.m. to 6 p.m. at RWJ Barnabas Health’s Corporate Training Room in West Orange. Following a brief, open business meeting at 4 p.m., the presentation on cancer survivorship will begin at 4:30 p.m. Tranzillo will discuss who cancer survivors are, their needs, and how care is designed for and delivered to cancer survivors. Attendees are welcome
to attend. Free parking is available onsite. Tranzillo is an advanced practice nurse in Gynecologic Oncology at Summit Medical Group who specializes in assessing and managing care of new and continuing patients as well as coordinating their care. She has also worked at Rutgers Cancer Institute of New Jersey, and is a member of the American Academy of Nurse Practitioners and the Oncology Nursing Society. The EPWC is one of New Jersey’s ten regional chronic disease coalitions, funded by a grant from the NJ Department of Health’s
Office of Cancer Control and Prevention to the New Jersey Medical School at Rutgers, The State University of New Jersey, along with in-kind support from Rutgers Biomedical and Health Sciences and other organizations. The EPWC’s mission is to reduce the burden of cancer and other chronic diseases on all Essex and Passaic County residents by the promotion of improved outreach, education, screening, access to treatment and follow-up. More information about the EPWC is available on its web site, web.njms.rutgers.edu/EPWC.
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St. Jude Children’s Research Hospital, where Carlos Raymond, the chairman of this organization and the person who inspired the creation of this foundation, was cured. And to “pay it forward” to other children and their families.” The CRS Foundation hosts its premier event every year in September at the Preakness Valley Golf Course in Totowa followed by dinner and tricky tray. Other events include, Allied Trades of NJ, is held in June, featuring a carnival and family day; Dine & Donate events in which a restaurant donates a percentage of proceeds from sales to the CRS. The CRS Foundation board receives ongoing applications from families
in need of funding. Recipients, 21 years old and younger, live as far as California. “People contact us,” says Caposella. “A lot are referred to us by people on the board, which then reviews each case and selects recipients. Caposella says the board tries to grant $1,000 per recipient. The board also received $5,000 from Toys R Us in gift cards last year and an additional $1,500 in 2017 which are given to siblings of children faced with a disease. “Our goal is to help every request we get,” says Caposella. “We will put them on a waiting list and we will help them as quickly as we can.” Today, Carlos Raymond
Saavedra Jr., lives in Brick with his family. While “he will never be mainstream,” says Caposella, he has had several jobs like working at an animal shelter and Shoprite. He “has a tremendous love of life, family and friends,” as described on the website. “If you saw his smile you would certainly see that. He also is a very resilient, determined and relentless individual who would just not allow himself to be beaten by anyone or anything.” The upcoming birthday to celebrate his life is open to the community. Go to carlosraymondfoundation.com for more information; for questions, email Info@carlosraymondfoundation.com.
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variety of programs are being offered at the Essex County Environmental Center in Roseland during the month of February that will teach children and adults about nature and help them gain a greater appreciation and understanding of the environment. “Build a Bird House” is for adults and children ages 10 and older who are accompanied by an adult. Build a home that encourages breeding birds and other wildlife to take residence. Putting out a bird house now creates a good chance of having a nesting pair of songbirds by spring. Cost is $10 per child and $12 per adult. Advance registration is required. For information, call 973-2288776. Set for Sat., Feb., 18, 11 a.m. “President for a Day” is for children ages six to 10.
Learn About Birds, Gardening, Hiking And More At Essex County Environmental Center
Presidents must be good leaders and good decision makers. Leadership and decision making skills will be strengthened through fun games and activities. Dress for the weather. Cost is $8 per child. Advance registration is required. For information, call 973-228-8776. Set for Mon., Feb. 20, at 1:30 p.m. “4-H Environmental Kids Club” is for children in grades two through nine. The environment is filled with things, big and small, that are surprising and helpful. Come once a month to see how much fun it is to learn about the world. Meet in Garibaldi Hall. Advance registration is required. For information, call 973-3531337. This is a free program set for Tues., Feb. 21, at 4 p.m. “Birding Hike in Troy Meadows” is presented by New Jersey Audubon.
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Search the edges of the frozen swamp for wintering birds and early migrants. Be prepared for muddy or icy conditions. Meet at the Essex County Environmental Center and carpool to the trail head. Cost is $6 for NJA members and $8 for non-members. Call 908766-5787 or e-mail kelly. wenzel@njaudubon.org to register for the program set for Thur., Feb. 23, at 8:30 a.m. “Birding Hike in Essex County Hatfield Swamp” is presented by New Jersey Audubon on Sat., Feb. 25, at 8:30 a.m., meeting at Stop & Shop in West Caldwell. Take a journey into the frozen swamp to search for winter visitors and early spring migrants that call the heart of western Essex County home. Footing could be icy or muddy depending on the weather. Cost is $6 for NJA mem-
bers and $8 for non-members. Call 908-766-5787 or e-mail kelly.wenzel@ njaudubon.org to register. “Horticulture for Seniors” on Mon., Feb. 27, at 1 p.m., is for senior citizens. Join the Rutgers Master Gardeners of Essex County for this horticulture class especially designed for senior citizens. The focus for February is Taking Care of Your Indoor Plants. Meet in Garibaldi Hall. This is a free program. Advance registration is required one week prior to program; call Helen at 973-731-0717 or Amy at 973-731-2449. “4-H Lego Club” is for children in grades three and up on Mon., Feb., 27, at 4:30 p.m. Run by 4-H Teen Mentors, this ongoing club
provides an opportunity for students to build with a team of young people passionate about Lego. Youth will create greater projects and build teamwork throughout the year. Meet in Garibaldi Hall. Advance registration is required. For information, call 973-3531337. “Monthly Meditation Group” is for adults on Mon., Feb. 27, at 6:45 p.m. Participate new to meditation, could use some inspiration, or are a seasoned practitioner. Some of the many benefits of a meditation practice are stress reduction, improved relationships and increased health. Each monthly meeting will include some chair yoga poses, a specific meditation
technique, and hints and suggestions to establish or enhance a regular practice. Questions are welcome. Cost is $10 per adult per class. Advance registration and minimum number of participants are required. For information, call 973228-8776. “New Jersey Woodturners” on Mon., Feb. 27, at 7 p.m., is for adults and children ages three and up. Learn to turn with the NJ Woodturners Association. Discover the wonders of creating art from found pieces of wood. Topics vary by the month. Call Gualberto Malave at 908310-3557 for details. Meet in Garibaldi Hall. Cost is $10 per adult and free for NJWA members.
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Affordable Tool Shop Hits One Year Mark
here is a store nearby that has the tools one needs to repair or build at an affordable price. Re-Tool Consignment at 14 Evans Place in Pompton Plains is a consignment shop for tools only. Old, new, slightly used, or vintage tools for resale, whether needed for projects involving wood working, metal working, electrical, automotive, plumbing and more. From tradesman to home owner, Re-Tool Consignment can accommo-
date customers’ needs at a very reduced price. In business since Jan., 26, 2016 the shop is offering 10 percent off to anyone that brings in this ad or mentions the new Home Town News. Because it is a consignment-only business, inventory is constantly changing. Seasonal products, such as snow blowers or hedge trimmers, come and go with the approaching season. Store hours are Mon.-Thurs., 4 p.m.
to 8 p.m.; Sat., 10 a.m. to 3 p.m. Call 862-666-9277 or email retoolcon@gmail.com for more information.
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o matter the occasion, a good host knows that great food is the key to any party. These crowd-pleasing snacks and desserts are the perfect treats to make your gathering just a little sweeter. Find more party-worthy recipes at Culinary.net. Easy-to-make Cinnamon Honey Buns are a delicious treat party-goers will adore. Naturally sweetened by the addition of honey, they make for a wonderful addition to any spread. Learn more about the health and flavor benefits of honey, and find delicious recipes, at honey.com. Cinnamon Honey Buns Recipe courtesy of the National Honey Board Servings: 12 1/4 cup butter or margarine, softened and divided 1/2 cup honey, divided 1/2 cup chopped, toasted nuts (optional) 2 teaspoons ground cinnamon 1 pound frozen bread dough, thawed according to package directions 2/3 cup raisins Grease 12 muffin cups with 1 tablespoon butter. To prepare honey nut topping: Mix together 1 tablespoon butter, 1/4 cup honey and chopped nuts, if desired. Place 1 teaspoon topping in each muffin cup. To prepare buns: Mix together remaining butter, remaining honey and cinnamon. Roll out bread dough onto floured surface into 18-by-8-inch rectangle.
Party-Perfect Flavors To Savor With Friends Spread filling evenly over dough. Sprinkle evenly with raisins.
a crowd-pleaser because of its delicious flavor and versatility. Whether you create
Starting with long side, roll dough into log. Cut log into 12 slices, 1 1/2 inches each. Place one slice, cutside up, into each prepared muffin cup. Set muffin pan in warm place; let dough rise 30 minutes. Heat oven to 375 F. Place muffin pan on foillined baking sheet. Bake 20 minutes, or until buns are golden brown. Remove from oven; cool in pan 5 minutes. Invert muffin pan to remove buns. An Award-Worthy Snack Whether you’re gearing up for awards season or spending an evening catching up on your favorite TV drama, there are plenty of small screen events that provide the perfect backdrop for a watch party. Gather your friends and family and get ready to tune in to a funfilled evening with this delicious snack. Since no party is complete without a delicious food spread, create finger foods that fit the theme of your viewing party. An iconic option like microwave popcorn is sure to be
an enticing popcorn station with fun mix-ins or prepare mouthwatering snacks like festive Mini Popcorn Balls with Chocolate Fondue, microwave popcorn is always a party pleaser. Use a high-quality gourmet popcorn, such as Orville Redenbacher’s, which is the only leading brand that uses real butter. From buttery to sweet and savory, all varieties feature non-GMO, 100 percent whole-grain kernels that pop up lighter and fluffier than ordinary popcorn. Pop onto orville.com to find more recipes for your watch party, or look for Orville Redenbacher’s on Facebook, Twitter and Instagram. Mini Popcorn Balls with Chocolate ‘Fondue’ Prep time: 25 minutes Servings: 12 1 bag Orville Redenbacher’s Smart Pop! 94 Percent Fat-Free Butter Microwave Popcorn nonstick cooking spray 1/4 cup stick butter or margarine (1/4 cup = 1/2 stick) 1 package (10 ounces) marshmallows
1/2 teaspoon vanilla extract 1 1/2 cups light chocolate syrup colored candy sprinkles (optional) Prepare popcorn according to package directions. Remove all un-popped kernels. Spray large bowl with nonstick spray; add popped corn. In medium saucepan over medium heat, melt butter. Add marshmallows and vanilla. Heat 5 minutes, or until marshmallows melt, stirring frequently. Pour over popcorn; mix well with spoon sprayed with cooking spray. Moisten hands with water before shaping pop-
corn mixture into 24 small balls, about 1/3-cup popcorn mixture each. In small saucepan, heat chocolate syrup over medium heat 5 minutes, or until warm, stirring occasional-
ly. Transfer to small, fondue-style pot. Use wooden skewers or fondue forks to pick up popcorn balls and dip into chocolate and sprinkles, if desired.
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Gannon Leads Productive Role As New Morris County Sheriff into his next challenge. “It’s been great,” says Gannon. “I love the role. Morris County Sheriff’s Office is a very proud agency,” with the “finest officers, support staff second to none. That’s a great start. We also have people that are hungry for improvements,” from “senior people” with great ideas, to innovative “young folks.” “Good things are happening,” he continues. “The agency is changing before our eyes. I want to improve on all that they’ve [previous sheriffs] done. They’ve done a phenomenal job.” Before Gannon came on board, the Morris County Freeholders had been managing the county jail for 16 months, since 2015 after
taking it away from the sheriff due to issues such as officers’ salary hikes and overtime costs. That same board voted unanimously, 7-0, in Dec. 2016, to return the day-day management of the county jail back to the sheriff’s department. The sheriff’s office had run the county jail for 277 years, since 1739, says Gannon, who spent 100 hours reviewing the matter before presenting to freeholders the benefits of one agency. “The jail had always been the responsibility of the sheriff,” he says. To have it returned, made the most sense for better operations and partnerships. “Bottom line is we will work together. It’s more suitable that I take over.”
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By Cheryl Conway nto the second month of his newly elected position, Morris County Sheriff Jim Gannon is off to a strong start in his mission to establish new partnerships, better services and improved technologies. Gannon of the Township of Boonton began Jan. 2 as the 77th sheriff of Morris County, taking the reins from Edward Rochford who served for 24 years since 1993. After November’s election win, Gannon met with Rochford to help with the transition and visited the Morris County Correctional Facility to prepare for its return of operations to the sheriff’s department. Having been in law enforcement for 33 years, Gannon was ready to step
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As one agency- the Bureau of Law Enforcement and the Bureau of Corrections- the new Morris County Sheriff’s Office employs 330 employees, which include 160 officers at the correctional facility, 90 officers in law enforcement, and additional support staff. There is “a lot going on” with the two bureaus, says Gannon, with a unique situation and a lot to offer, such as a jail population of 245 inmates; a crime scene unit that is a shared service, assisting towns with 1,262 crimes last year; its own bomb squad; Sheriff Emergency Response Team (SERT); a new and improved Morris County Sheriff’s Trends & Analysis Team (STAT); Canine Unit that went out 500 times last year in search of missing persons like elderly and children, narcotics, explosives detention; and a warrant squad to pick up individuals with violations. “We really play into the role of all that’s going on in Morris County Law Enforcement,” says Gannon. The sheriff is also proud that “We are triple accredited,” in law enforcement, correctional side and healthcare side. “These inmates are in our vicinity; we make sure they get proper care,” from dental care to mental abuse treatment. During his first 100 day transition, or phase one, Gannon spent time interviewing all personnel “seeing how we can do better.” In phase two, he wants to develop partnerships and establish a new organization.
One plan is to have an assessment of the Morris County Courthouse complex to strengthen its infrastructure. The county has authorized an architect for $370,000 to come evaluate the complex, from floor plan to security, “to look at it holistically to see if it can be changed to accommodate the user.” The old courthouse building dates back to 1827 and is protected by the National Registry of Historic Places. In order to provide better security for judges, crime victims and defendants, the building needs some redesigning, says Gannon. “It’s very difficult” to get around the facility for persons in wheelchairs or disabilities, he says. “You can’t do it by yourself.” Gannon says “I’m very pleased freeholders are taking the initiative to further these efforts. There will be great opportunity for improvements.” Gannon says his “number one responsibility is the protection of the people.” He wants to ensure that people who come to the courthouse can come in to speak to the judge without intimidation. He also needs to safeguard crime victims, family members and visitors to the courthouse to prevent conflicted contact with the opposing party. Using correctional officers to help protect the courthouse is being considered for additional safety measures, he says. “I’m here to protect all the people,” stresses Gannon. “It’s serious business; I like to have fun but I’m a real serious guy when it
comes down to it.” Another issue is opiate addiction in the county and the state, says Gannon. His plan is to have a housing unit at the county jail as well as a partnership with Morris County Vo-tech so inmates, once released, can continue their services while going for their GED and eventually a job. “Last year, 62 people died in Morris County [from opium abuse], 21 to 71 years of age, all socio-economics, all races, all age groups, all levels of education,” says Gannon. “They are addicted maybe through oxycodone, or wisdom tooth pulled or a broken arm.” Gannon says “We are developing a system to assist with interventions to bring hope to the user. These users are our family, they’re our friends, they’re our neighbors. If people are distributing, they need to be cut off; to cut the head off the snake. We are going to make a difference.” Also on Gannon’s radar is to introduce a voluntary domestic abuse program “to discontinue that cycle of violence,” he says. In March, he plans to start a bracelet program as an alternative to incarceration, an in-home detencontinued on page 11
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FINANCIAL News!
P
lease study the List of Financial Risks to your retirement portfolio below to see if you agree or disagree with the following general statement: “I’d rather receive less return, than potentially lose more, due to market risks and the required taxes that have to be paid on profits, gains and distributions.” Have you ever considered the following potential risks to your retirement portfolio? Stock Market Risk. Bond Issuer Credit Risk. Inflation Risk. Longevity Risk – might I outlive my Money? Currency Risk – might the country that printed the currency falter of fail? Interest Rate Risk – if interest rates rise, bond values fall. Economic Risk – if the economy falters or particular industry suffers a blow, how safe is my capital? Political Risk – might the incumbent lose or the winner cause an economic tremble? Issuer Risk – might the company issuing the stock or bond fall and take their shareholders and bondholders down with them? Stock Selection Risk – who is actually picking the stocks in my portfolio, or
How Safe Is Your Money By Mark E. Charnet
am I responsible? Management Risk – is my portfolio management qualified, vetted and if so, by whom? Opportunity Risk – is now the best time to get in or get out of the market? Terrorism Risk – I might not be the actual target of a terrorist attack, but terrorism anywhere can have a chilling effect on stock markets and my portfolio. Government(s) Risk – a change in the law can send stocks soaring or sinking. Identity Theft Risk – might someone attempt to steal my portfolio? Psychological Risk – psychological sentiment can turn the markets: clubbing baby seals for an example and the effect on the fur industry. Marriage Risk – divorce can be a portfolio killer! Lawsuit Risk – is your portfolio protected in the event someone sues you for any reason? Municipality Risk Towns and States can be downgraded and so will your portfolio of Municipals should this happen. Employment Risk – might I lose my job and have to invade my portfolio as a result? And what if it’s a bad market cycle at the same time? These are but a few in-
herent risks when investing your money. A wise investment advisor once said, “The best way to grow your money, was not to lose any.” Another said, “The best way to double your money is to fold it in half and place it back in your pocket!” One of the most important financial phrases in wealth accumulation was simply, “Avoid paying taxes on your nest-egg!” Have you heard, practiced or believe the question: “Is it better to earn less, than to risk more to possibly lose more?” You must have heard this one too: “A good rule of thumb is to keep a percentage of your wealth equal to your age, out of the stock market”. How about the phrase: “Safety has a price too!” Remember: “A penny saved is a penny earned?” And my father’s favorite: ”Money Doesn’t Grow on Trees!” I make no comments on these statements that have helped shape the American public financial psyche over the years. I will say this though: There are only 2 kinds of Money: Dollars at risk (investments) and dollars not at risk (savings). In my opinion, everyone should have both, but, to what extent or percentage of savings vs. investments is a personal
choice based on risk tolerance, up-bringing, personal investing experience, available capital and time horizon. If too safe a portfolio, you, may lose purchasing power to inflation, taxation and just general poor performance. Invest too aggressively and you may make a lot of money or lose a lot of money, perhaps even lose it all. What about the safety of real estate investments, is my money safe in real estate? Answer is, it depends. Just like the stock market, both commercial and residential real estate values can fluctuate daily and also may trend or mirror the stock market in either direction, up or down; and most real estate investments require a larger minimum investment. “Is my money safe in the bank?” Answer is, it depends. The bank offer’s its clients FDIC insurance up to $250,000 per person per bank, but, not every account may be insured. It’s vital to stay up on these rules in order to secure the money you currently hold in the bank and to protect the financial future for yourself, your spouse and your children. Might there be a better way, to enjoy the safety of low to no-risk savings vehi-
cles, yet enjoy a percentage of the up-side potential of the stock market at the same time? “I’m happy to report, there are ways to accomplish this!” Column space limitations do not allow me the opportunity to demonstrate what I’m referring to here, but I certainly can and will explain and demonstrate the concepts anytime you make the call to my office for a no obligation, no fee consultation necessary to discover how these opportunities may be of great benefit to you, your spouse and children. In summary, to invest with the ability to share in the upside of the market while potentially exempting the downside, in an income tax-advantaged way, may prove to be the best portfolio opportunity for a great number of savers and investors. Though the call and consultation are completely complimentary, the information you will receive may prove priceless in addition to fascinating as well! I encourage you to explore the possibilities by calling APG today. Mark E. Charnet is President and Founder of American Prosperity Group. Mark has over 35 years of experience in the Retirement and Legacy
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 Mark Charnet is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities (Member FINRA/SIPC). USA Financial Securities is a registered investment advisor located at 6020 E. Fulton St., Ada, MI 49301. American Prosperity Group is not affiliated with USA Financial Securities. Not an attorney. For estate planning advice, please contact an estate planning attorney.
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Gannon Leads... continued from page 9 tion program for inmates not charged with violent crimes. This way those involved in minor crimes will be given an opportunity to stay home and not be incarcerated in order to continue working and care for their families. Gannon has made some personnel changes, placing an undersheriff at the correctional facility, hiring an undersheriff at the Bureau of Law Enforcement, a new administrator and senior analyst. “In four weeks we made a lot of improvements.” He also has started some new programs such as senior fraud presentations in the Bureau Law Enforcement to help seniors who
are victims of fraud, has been speaking to groups on counter terrorism and opium abuse and has taken “a very serious approach” to modernizing technologies and sharing information. With all that he has planned, Gannon says, “I think we have a very bright future. I came in here to make a difference. It’s been exciting for me to steer the ship. It’s a seven day week job. I have high expectations. “I report to the people of Morris County,” he concludes. “The concerns of the people are my concerns. I have to listen to the people; I take that very seriously. That’s my table of organization.”
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Area Nonprofit Seeks Applicants For Preschool Tuition Scholarships
reschool Advantage is accepting applications for scholarships to its partner preschools located in areas such as Boonton, Denville, Dover, Jefferson, Madison, Mendham, Morristown, Morris Plains, Mountain Lakes, Mt. Olive, Parsippany, Boonton, Denville and Mountain Lakes/ Flanders and Parsippany for the school year beginning in September. Local families can apply to Preschool Advantage for funding for a half- day of preschool for three3 or four4 year old children up to five days a week. Preschool Advantage has provided families in Morris and Somerset Counties with financial assistance for high quality preschool education since 1995. In 2016,
71 children were funded by Preschool Advantage with more than 1,300 tuitions paid throughout the organization’s history. Children must be three3 or four4 years old by Oct. ober 1, 2017 to be considered for funding for the school year beginning in September 2017. The deadline for applications is Feb. ruary 28., 2017. Families demonstrating commitment to education and financial need can access the application at preschooladvantage. org or by calling (973) 5322501. Preschool Advantage is a non-profit organization that believes all children should have access to high quality early education. Educational and economic research
demonstrates that the effects of high quality preschool education are profound and enduring. Early childhood education encourages brain development and builds the emotional and social skills children need in school. Preschool Advantage is dedicated to assisting families who fall into circumstances that make paying tuition for quality preschool out of reach. “While there are federally funded programs to cover the cost of preschool for families living below the poverty line, working families making over that level have limited options,” said Molly Dunn, Eexecutive Ddirector for Preschool Advantage. “There are thousands of families in New
Jersey who cannot access a quality education for their child. We are committed to addressing this need one child at a time.” Preschool Advantage has carefully selected carefully partner preschools in Bernardsville, Boonton, Bridgewater, Denville, Dover, Jefferson, Madison, Mendham, Morristown, Morris Plains, Mountain Lakes, Mount Olive and Parsippany. Preschool Advantage seeks to provide opportunities for a lifetime of learning that will create a better world for its students, their families, and the community. To apply for funding for preschool tuition or learn more about Preschool Advantage, please visit its website at www.preschooladvantage.org.
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W
hen you have a question, who do you ask? Have you covered the basics in running your business? Do you want to be successful or are you just going thru the motions? The owners of HomeTown News believe that independent businesses are one of the most important factors in our country’s job
T
he Montville Recreation Department plans to sponsor Yoga Classes For Tweens for ages seven to 14. Tween Yoga is a fun, creative approach to yoga that can be very helpful for girls and boys whose bodies are still developing.
Help Offered For Independent Business People growth and economic success. Therefore we are creating a column called “The Coach” to help you in your own business. We will provide you with some basic information and give you the opportunity to get your questions answered for free. Our first topic: “Set Goals And Make It Happen” has to do with establishing objectives for the new year.
Do you want to dramatically increase your chances for success? Think about most people who have a two week vacation each year. They spend hours and days planning the vacation: where they are going, what they will do, what they must do in preparation etc. All year they plan for their two week vacation. How much time is spent on planning for
the other 50 weeks? One of the major differences between people who achieve success and those who do not has been goal setting. Studies have been done that show that people who set written goals for themselves far outperform those who do not. There are many types of goals that you can think about. They may be per-
Yoga Offered For Tweens The use of animated poses and basic stretching exercises promote strength, flexibility, coordination and body awareness. Breathing and visualization techniques teach kids how to focus, relax and develop self-control. Tween Yoga is also great for in-
ner-strength, confidence and self-esteem! Instruction is provided by Mayra Sansone Aboyoun, certified yoga instructor. Classes take place at the Oasis Wellness Center in Towaco. Call: 973-5410040 for directions.
The cost is $130 per 10 week session or $230 for both days per person. For questions on sessions and registration contact the Recreation Department at 973-331–3305 or visit www.montvillenj.org.
sonal goals for your own self-improvement. They may be goals that you want to set to improve your relationships within your family. They may be business goals or financial goals. Here are a few examples that will set you to thinking how to: • Be able to afford a family winter vacation each year • Be able to afford to have dinner out once a week. • Grow my business by 20 percent next year • Be able to spend more time with my children each week • Be debt free within the next two years • Set up an education fund for my children next year • Develop retirement
plans with a financial planner within the next six months William Jennings Bryant once said about goals and destiny: “Destiny is not a matter of chance, it is a matter of choice, it is not a thing to be waited for. It is a thing to be achieved.” We will provide you with everything you need to set up and follow up with your goals step by step. You will have examples to follow and a process that works. This program can be saved and used over and over as you achieve your goals and need to establish new ones. If you would like the tutorial, simply email us at business@newviewmg.com and we will send you the tutorial to your email address.
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The Sports Factory - They Have It All!
ou’ve almost certainly driven past “the Bubble” on Beaverbrook Road in Lincoln Park, and most will have wondered what goes on inside that odd-looking building. But if you take a second to step through those revolving doors, you may well be surprised. ‘The Sports Factory’, as its freshly painted letters now proudly state, is home to a 39,000-square foot heated and air conditioned indoor facility. The building houses four turf fields, a two lane 60-yard sprint track, office/meeting rooms equipped with flat panel televisions, a glass enclosed party room and stadium style seating. Gracing those turf fields,
you will find The Sports Factory’s highly qualified soccer coaching staff, mainly from England and Spain, working with 285 local club teams at various ages and levels. The Sports Factory Staff also conduct classes, camps and birthday parties for children of all ages. The Sports Factory operates a complete external soccer training service company providing developmental curriculums to local soccer organizations including: club team training; game day coaching; recreational programs; team camps; community camps; high school camps; goalkeeper camps; director of coaching programs; high school coaching; coaches’
education. Their organization strives to create an environment devoted to providing youth soccer clubs with an outstanding professional training program dedicated to improving individual players and teams. Along with its classes and training programs, The Sports Factory summer camp run from the end of June to the end of August, offering Free before and after care. The Sports Factory also accommodates special events, including Birthday Parties, Bar & Bat Mitzvahs and Corporate Events. Guests enjoy an hour of field time, offering multiple sports such as soccer, touch football, wiffleball, kickball and dodge ball; before us-
ing the glass enclosed party room for food and refreshments. The Sports Factory offers programs for children as young as 3 years old, beginning with its “Little Academy”. The Little Academy is the best introduction to soccer for the young player with simple creative games with the inclusion of a ball. Graduates from the Little Academy program are encouraged to move on to Junior Academy where they are introduced to skills, turns and simple technique. The Sports Factory partners with TSF Academy, a powerhouse in New Jersey soccer. The club has seen huge expansion in its twelve years and now hosts semi-
professional teams on both the men’s’ and women’s’ side, an affiliation with professional club NYCFC as well as several alumni now currently playing at the professional level. TSF Academy and The Sports Factory boast an impressive list of players now competing at the professional level including Red Bulls stars Connor Lade & Alex Muyl, on the Men’s side as well as Sky Blue debutant Danielle Schulmann on the Women’s side. This winter Alumni members Eric Klenofsky and Nickolette Driesse added their names to the list as they were drafted by D.C United and Orlando Pride, respectively. Two other notable TSF Academy gradu-
ates playing on their respective National Teams are Adam Ozeri, representing the U19 US Men’s National Team and Salvador Pilego representing the U16 Mexican National Team. However, true to its name, The Sports Factory is not solely focused around soccer. Depending on the time of year you may find experts from several sports, including football, field hockey, Speed & Agility and lacrosse, occupying the facility and running camps and clinics. With a multitude of sports programming as well as corporate events, The Sports Factory truly is the best Indoor Sports Facility in New Jersey.
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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
MPAC Announces 2017 Spring Musical -West Side Story
M
PAC’s fifth annual spring musical will be West Side
Story. Auditions will take place Wed., Feb. 15 and Thur., Feb. 16 from 4 p.m. - 9 p.m. at the Theatre for principal roles and ensembles. Auditions for dancers will be Wed., Feb. 22, from 4 p.m. - 5 p.m. Details on casting and auditions can be found at http://www. mayoarts.org/education/ musical. MPAC is looking for talented young and diverse performers between 14-23. They should be excellent singers, actors and dancers. The show will be directed by Cathy Roy. Musical Director is Charles Santoro. The show will be
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staged Fri., June 2 – Sun., June 4. “We see so much talent at MPAC and they are definitely ready to take on the challenge of West Side Story,” Roy said. “We are looking forward to putting together an amazing cast and giving them a true professional experience they will never forget.” The story of Romeo and Juliet is transported to the turbulent streets of New York City in the 1950s as star-crossed lovers are caught between rival street gangs. West Side Story originally opened on Broadway in 1957. The original musical featured music by Leonard Bernstein, lyrics by Stephen Sondheim and choreogra-
phy by Jerome Robbins. “Although West Side Story originally premiered in 1957, its theme still resonates today,” Roy added. “We are hoping by telling this powerful story that we can remind our audiences about the hope and power of love in a time of divide and tension in our society.” Mayo Performing Arts Center, a 501(c)(3) nonprofit organization, presents a wide range of programs that entertain, enrich, and educate the diverse population of the region and enhance the economic vitality of Northern New Jersey. For more information, visitvwww.mayoarts. org; call (973) 539-0345 ext.6505.
Volunteers Needed
ew Jersey Blood Services, a division of New York Blood Center, which supplies blood products and services to 60 hospitals throughout the state, is in need of volunteers at blood drives. The blood service volunteer is
an integral member of the collection team assisting donors with registration, escorting and canteen duties and watching for post donation reactions. Volunteers should have the ability to relate to the public, be able to perform different
jobs as needed and have the willingness to follow the rules. For additional information contact, Manager of Community Relations, R. Jan Zepka at 732-616-8741 or zepka@nybloodcenter. org.
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 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 ex-
ample, 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 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
Wayne
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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