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No. 13 Vol. 5

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Montville Takes Uniﬁed Approach To Acceptance And Diversity

By Stefanie Sears neMontville, a non-profit community organization, and Montville Township High School Culture Club have two things in common. They were both founded within the last two years and dedicate themselves to unity. “The idea of OneMontville was created following my first Board of Education meeting in the district on July 28, 2015,” says Dr. Rene Rovtar, Montville Township School District superintendent and OneMontville founder. “Following an outpouring of emotion from the commu-

nity at that meeting regarding the perceived anti-Semitic remark that one of the graduating seniors had included as his yearbook comment, I had a vision of an organization that would try to bring the community together and thought the name OneMontville conveyed the essence of what I hoped to accomplish.” And OneMontville, founded in September 2015, is doing just that. “We are a proactive group and we’re trying to get the message out that we are ‘One Montville,’ that this is a wonderfully diverse community because of all of the different cultures that

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are here,” says current OneMontville Board President Ron Rauschart. This past Jan. 16, OneMontville and the MTHS Culture Club collaborated for the very first Martin Luther King Day of Respect and Community Service, for which about 150 attendees marched for half a mile from Town Hall to the Pine Brook Jewish Center. The concept was to promote the overall message of acceptance, kindness and respect. Rauschart believes that impressing these ideas and practices into young minds is very important. He appreciates everyone’s participation and interest in the occasion. “That’s what did it for me,” he says, “If you instill this spirit of acceptance and giving and kindness at a young age, hopefully it will stay with them the rest of their lives.” On foot they donated clothing to Homeless Bus, Inc., a Towaco-based non-profit organization that has fed more than 300 homeless people every Saturday in New York City since 1992, and food to the Montville Kiwanis Food Pantry. For Homeless Bus volunteers also made inspirational “Happy Cards” for the homeless. From there the marchers traveled to the township’s religious centers to participate in community outreach programs

and learn about different faiths. The Montville Township Public Schools explored National Random Acts of Kindness Week throughout February and now Montville looks forward to the second annual Green In Day on May 19. The schools observe this day by holding activities, such as having the children share stories about their backgrounds. Last year Dr. Mykee Fowlin spoke to the high school students about perceptions of others. Wearing green is encouraged to connect the town through acknowledgement and celebration of differences. Why green? District Communications Officer and OneMontville volunteer Susan Marinello says green just represents Montville’s character very

well. “Green is Montville,” says Marinello. “Montville Township schools have always been green. We do a lot with tree planting and things like that. We think of ourselves as a green town. We look green, we are about saving things and taking care of things, and green is the color of our Mustangs at the high school.” Speaking of the high school, at the 2015-2016 school year’s conclusion, now seniors Srinath Dhamodharan, Geetam Patchigolla, and Dhruv Dang founded the Montville Township High School Culture Club to embrace diversity, uniqueness, and inclusion. Dhamodharan serves as president and Patchigolla and Dang serve as vice presidents.

Some of the club’s more popular gatherings have been the movie nights that they host in the auditorium. These provide a window into diverse cinema and cultures. The first two were “Taare Zameen Par” or, “Like Stars on Earth” in December, which details the struggles of an eight-year-old Indian boy with dyslexia, and Irish Oscar-nominated film “Song of the Sea” in January. To complement the events, they served popcorn and brownies at the first and Irish Soda Bread at the second. To continue with the food tradition, the Culture Club is planning a Culture Fair for this May to introduce residents to the vast heritages that make up the Montville community.

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By Henry M. Holden ubbed the “Game on for Gavin – Whiteout Cancer,” the Pequannock Township High School (PTHS) basketball teams scheduled a special game on Mon., Feb. 13, with Montville High School. Proceeds of the game were to benefit the Brady family, and their son Gavin Brady, a seven-year-old boy battling Leukemia. Gavin is the youngest of four brothers, and the son of John and Kerrie Brady. The oldest brother, Owen, is on the freshman basketball team. Gavin was diagnosed with leukemia last year, and while he returned to his first-grade class in the fall, he suffered a setback in December that hospitalized him. The Pequannock High School Girls’ Basketball Team, with a major assist from the boys’ varsity team, held a contest where no matter what happens one seven-year-old boy came out a winner. In reference to the event’s name, Whiteout Cancer, white are the cancer fighting cells in the body’s immune system. White is also the color of all cancer awareness ribbons

Two Schools Shoot Thru Hoops To Cheer For First Grader Fighting Cancer

combined, representing the potential of an immunotherapy cure for all cancer. And white is to support all the people wearing white lab coats searching for new immunotherapies. “The boys handed out the pledge sheet before the game to their friends and family,” said Morgan Bencsko, a junior at Pequannock High School. “During halftime of the boy’s game against Montville High School, the girls’ team held a half-court shot contest. We had a 50-50 raffle, we passed out pledge sheets for the “Game on Gavin fund,” and ran the snack stand. “The gym and foyer were adorned with orange and white balloons, Gavin posters, and a gym full of people wearing white and orange in support of Gavin,” said Bencsko. “The Montville team and their parents also generously donated to Gavin’s fund as well, and supported us all night. We so appreciate their efforts. “The whole gym was filled to capacity with people. Most of the kids wore white and orange in support of Gavin,” said Bencsko. “Our entire student section was filled so we were doing chants such as ‘Game on Gavin,’” said

Bencsko. “We were having so much fun. Even though Pequannock High School didn’t win, it was exciting for everyone.” The game ended 78-76 in overtime with Montville High School, the winner. “We were doing pledges by points so our team scored 76 points, a person would contribute $76. While the totals are not yet in because we are still getting donations, I would say we earned about four to five thousand dollars. “This game would not have been possible without the complete support of our community,” said Bencsko. “Everyone really came together because we are a living and supportive community. It makes me feel so proud to live in this town.” Bencsko, Peggy Bionde, the PTHS girls’ and boys’ basketball teams, coaches, staff and the many volun-

Auxilary Hosts Comedy Performance Fundraiser

he Chilton Medical Center Auxiliary plans to host a benefit performance of “Unnecessary Farce,” a comedy, at the Barn Theatre, in Montville on Fri., March 24, underwritten by Boil-

ing Springs Savings Bank. Tickets are $40 each and include wine and light refreshments. For ticket information call 973-831-5345. All proceeds from this event to benefit the Chilton Medi-

cal Center Intensive Care Unit project. Doors open at 7 p.m. Curtain time is 8 p.m. Come join in for a fun-filled evening complete with raffles and 50/50 drawing! Attendees must be at least 21 years of age.

teers and spectators who worked together made this event possible. The Brady family has medical insurance coverage, but their out-of-pocket medical expenses have been soaring. All donations can be sent to Box 301 Pompton Plains NJ 07444, checks can be made out

to “Gavin Game On;” or to https://www.youcaring. com/gavin-brady-515083. All monies donated will be used for medical expenses, medications and items needed for Gavin’s overall care. For more information, contact Bencsko at mbencsko@gmail.com.

As of Feb. 16, Gavin is still at the Children’s Hospital of Philadelphia fighting complications from his leukemia; he is a true warrior! Please continue to pray and know how much it means to the Brady family that everyone is cheering Gavin on.

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MTHS Freshman Promotes Patriotism, Earns Girl Scout Silver Award

ontville Township High School freshman Lauren Beiermeister is a Valley View Elementary School Alumna and member of Girl Scouts Troop 80080 of Northern

New Jersey. To earn her Girl Scout Silver Award, Beiermeister decided to make a contribution to better her community by promoting patriotism. She achieved this goal by painting recycled pallets as

American flags and asking local schools, VFWs and American Legions if they would be interested in displaying one of her works of art. Valley View, one of Montville Township Public Schools five elementa-

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ry schools, was among the organizations to which she reached out. “We are so flattered that Lauren offered to create one for Valley View,” said Principal Dr. Patricia Ken-

nedy. “This beautiful flag pallet graces the front of our school reminding our students to respect their flag and country.” Kennedy also congratulated Beiermeister on her

achievements and thanked her for providing Valley View with “such a beautiful reminder of what it means to care so much about your community and country!”

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Acorn Hall Exhibit Pays Tribute To Morris County WWI Contributions

By: J.L. Shively new exhibit featured throughout Acorn Hall opened on Sun., Feb. 19 in recognition of the 100th Anniversary of the United States entry into World War I which took place on April 6, 1917. The exhibit is entitled “1917: World War, Women’s Rights, and Weaponry Sciences,” and will be on display at the Morris County Historical Society’s Headquarters, the historic Acorn Hall until June. “We wanted to incorporate as many aspects of what was going on in 1917 as possible,” said Nicole Rizzuto, curator of Exhibits and Research with MCHS. There was much more going on than just the war in that year. “The year was the impetus of decision,” Rizzuto states, while elaborating on the fact that U.S. entrance into the war sparked many other movements which had already been smoldering. The inspiration behind the exhibit therefore is not only the war but focuses on local women’s rights movements and Morris County contributions to weaponry sciences which helped aide the U.S. in

strategic movements of the war. According to a press release “the exhibit honors the men and women who gave their lives during the war, highlights the culture clash of women seeking recognition as equals and the right to vote, and features the tremendous advances in weaponry science credited to the work of men and women at Picatinny Arsenal and throughout Morris County.” Alison Turnbull Hopkins is a local suffragette who is featured at Acorn Hall at this time. Hopkins was an outspoken woman imprisoned for picketing at the White House for a woman’s rights. Another woman who is featured at the exhibit for different heroics includes Amabel Scharss Roberts who was the first U.S. nurse to die overseas during WWI. Roberts was a nurse from Madison. Along with other period appropriate clothing the exhibit features artifacts from WWI throughout every room of Acorn Hall. A WWI uniform is on display including camp material on loan from the Butler Museum and Historical Committee. A pop tent is featured along with a medical bag from the MCHS collection.

The idea behind the exhibit with a mixture of war artifacts intermixed with everyday items is meant to show “how different things affected different aspects of people’s lives,” states Rizzuto. To showcase Morris County’s contribution to the war effort when it came to weaponry Acorn Hall has dedicated space to Hudson Maxim, who worked on smokeless gunpowder and other technology advances the country needed to win WWI. There is also a photo of Dr. Guy Otis Brewster, whose Brewster-Heller Armor was a first attempt at making bullet proof vests. The photo shows Brewster demonstrating at Picatinny Arsenal. “I’m really excited about it [the exhibit],” states Rizzuto, who has done extensive research on these subjects. She goes on to explain that this exhibit, “shows how much Morris County impacted the rest of the world.” Rizzuto explains how easy it is for locals to forget just how much local history can impact the world. The exhibit can be viewed while Acorn Hall is open on Wednesdays and Thursdays from 11 a.m. to 4 p.m. and Sundays from 1 p.m. to 4 p.m. Group tours

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 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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Filing Extension - Get More Time To File, Not To Pay

ometimes the tax deadline arrives and you are simply not ready to file. But, if you choose to file for an extension, don’t make the mistake of not paying. Filing for an extension gives you more time to file, not more time to pay. If you owe taxes, they are due on the regular filing deadline. Now that you know the IRS still expects payment for taxes owed by the regular filing deadline, you

may be wondering if you have a good reason to file for an extension. The IRS doesn’t actually require a valid reason. But some of the more common reasons taxpayers file for an extension include: Missing or incorrect information. You cannot file your tax return without certain forms. Often taxpayers find they are waiting on LLC business tax forms, like a Schedule K-1. It’s also possible that you have

a W-2 or a 1099 with errors. If you have to wait for a corrected form, you might not make the tax filing due date and need an extension. Self-employment retirement contributions. Taking advantage of a tax filing extension allows you more time to fund a SEP IRA, Solo 401(k), and SIMPLE plan. Be aware, however, that this does not apply to Traditional or Roth IRAs. IRAs must be funded by April 18.

Montville’s Integrated Pre-school Taking Applications

pplications are being accepted to the Montville Township Public Schools’ popular integrated pre-school program. Aligned with the New Jersey Department of Education’s guidelines for high-quality early childhood education, the district’s integrated pre-school offers three and four-yearolds, with and without special needs, an opportunity for high quality and personalized education. In addition, children who attend the Montville Township Integrated Pre-School have access to the Montville school district’s extensive resources such as school assemblies, special programs, school wide events, theme days, field trips and instruction in art, music and media taught by certified faculty members. “Innovative pre-school classes are part of the unique child-centered ed-

ucation of the Montville Township Public Schools,” said Patricia Stryker, supervisor of Special Services. “Our comprehensive, child-centered, approach helps all students learn and prepare to successfully transition into kindergarten.” Housed in the district’s Valley View Elementary School in Montville, the integrated pre-school curriculum is designed to promote the academic, social, emotional and language development of every child. Class sizes in the Montville integrated pre-school are small. Two fully-certified pre-school teachers, and two paraprofessionals work in the classroom. In addition, weekly lessons are facilitated by a certified Speech and Language Specialist to enhance language development. A certified Occupational and Physical Therapist also teaches weekly lessons to enhance

fine and gross motor development. The Montville Township Integrated Pre-School program follows a state approved early childhood curriculum. The program consists of three half-day sessions per week for threeyear-olds, and five half-day sessions per week for fouryear-olds. Enrollment is limited. A preschool readiness screening will be administered to all applicants. In order to be eligible, children must be three to five year of age on or before Oct. 1, 2017. Tuition is $300 per month for three days, and $400 for five days. Limited transportation is available for additional cost. Applications and more information can be found at www.montville.net. Contact Stryker at 973331-7100 ext. 2237. Applications should be submitted before March 10.

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

Natural disasters. If you live in an area affected by a natural disaster, the IRS will allow a filing extension. Check IRS.gov to find out if your area has been granted an extension. Military members serving overseas. Taxpayers who are serving outside the U.S. can file an extension, but they must still pay taxes due by the filing deadline. Taxpayers who are serving in a combat zone can defer filing income tax returns and paying taxes up to 180 days after the end of their service in the zone. Life events. Marriage, the death of a family member, having a baby, or dealing with a divorce can be stressful. Adding the stress of tax season may be too

much. Filing for an extension can give you the time you need, so you have time to focus on your tax return later in the year. Remember, regardless of your reason for filing for an extension, the IRS still expects you to pay the taxes you owe by the regular filing deadline. If you don’t file for the extension, you face interest due and late-filing penalties. Each situation is unique. Give us a call and we can help answer your questions. Robert P. Sokoloff and Associates, PC, is a year round full service CPA firm providing a wide range of Accounting and Tax services to both Small Busi-

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Active 79-Year Old Hikes To Local Libraries To Share Appalachian Trail Experience

By Maryanne Christiano-Mistretta wo years ago, Mike Venus hiked the Appalachian Trail and has been sharing his memories by speaking at local libraries, including the Montville Township Library on Jan. 12, and the Chester Library on Jan. 31. Venus called the lectures “fun talks” and said he attracted “people of all walks of life” including other active hikers who showed interest in hiking the Appalachian Trail and coming to hear what he had to say. “My talk is always the same,” said Venus, who gives information on the Appalachian Trail history. The trail is about 2,200

miles long and passes through 14 states: Georgia, North Carolina, Tennessee, Virginia, West Virginia, Maryland, Pennsylvania, New Jersey, New York, Connecticut, Massachusetts, Vermont, New Hampshire, and Maine. Venus started walking the trail on March 22, 2015, and finished on September 16, 2015. He was on the trail 150 days, walking more than 14 miles per day. He left the trail twice to take some days off to fly out to a graduation in California, and another in N.J. There were also days he didn’t hike at all. “Hikers call those ‘zero days,’” he said. “Now and then you need a little

break.” All in all, he actually walked or hiked 150 days and said that at the age of 77, he was the fourth oldest of all who hiked the trail. Venus and his wife, who live in Sparta, have been hikers all their lives. But nevertheless, preparation was still necessary prior to his Appalachian Trail hike. “Everybody has to condition themselves,” he said. “My son and his family live with us. I’d take the dog for a walk every day, five miles. Sparta is mountainous. Three to six months prior to the [Appalachian] hike, I’d take a walk with a thirty-pound backpack and get used to it. It’s very hilly, so if you do three to five

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miles, it’s good; gets you in good shape.” In addition to his training at home, Venus went to a boot camp in Tennessee called the Appalachian Trail Institute. “You have lectures on how to prepare for a hike, what kind of boots to get, keep your pack light, get used to being wet; it’s like a military camp,” Venus said. “When I started [the Appalachian hike] I was in as good preparation as

you could be. A lot of the younger fellows were in better shape.” He continued. “The secret is to start early in the day and hike as long as you can. I would eat while I was hiking. I never stopped for lunch.” Venus averaged 1.5 miles an hour. “Faster going downhill, slower going uphill,” he said. “On flat ground I averaged two miles an hour.” The younger hikers

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would start out after Venus in the morning and pass him. By lunch, he caught up and saw them resting. Around 3:30 p.m., they’d pass him again. “Just keep going, plotting along and you get there,” he said. “That was my philosophy.” Two years later, at 79, Venus is still hiking, though he and his wife, who is 73, do more biking. He is also a skier.

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he chamber presented awards during its annual banquet set for Sat., March 11, at the Knoll Country Club East in Parsippany. Citizen of the Year goes to Vivian Cleffi, a member of UNICO National, Montville Chapter since 1997. She currently serves as chair of the Charitable Goals Committee, which oversees the chapter’s various charitable works. Cleffi was blessed with three childrenJim Jr., Vincent, and Jason. In 1975, Jim Jr., at the age of eight, was diagnosed with a rare form of leukemia, and lost his battle with the deadly disease a year later. Realizing there were 32 cases of a rare form of cancer in a small geographical area, Cleffi along with other concerned parents, created a group called We Who Care and fought the state to remediate the toxic causes of the cancer in the area known as Cancer Alley. She has lectured at more than 140 colleges, worked with the N.J. Department of Labor and the National Association of Trade and Technical Schools, and became president of Adults and Children with Learning Disabilities. Business Persons of the Year goes to brothers Ryan and Aran McDermott, owners of Harrigan’s and Columbia Inn. Both attended Montville’s schools, Ryan lives in Towaco and Aran lives in Montville. Harrigan’s is celebrating its 35th anniversary. The family restaurant, which was once an old dive bar called Jerry’s Tavern and known as a biker’s hangout, was trans-

Montville Township Chamber Of Commerce Announces 2016 Award Winners formed in 1982 into the warm, inviting Irish pub often described as the Cheers of Montville, “where everybody knows your name.” Organization of the Year goes to Boy Scout Troop 74, serving the Montville area since 1942 when its charter was issued to the Montville Reformed Church. The Troop has approximately 75 registered Scouts and 25 Adult Leaders, making it one of the largest Troops in its District. Receiving the Organization of the Year award is a befitting testament to the Scouts and Adult Leaders of Troop 74 as the Troop celebrates its 75th anniversary in service to the community of Montville. Public Safety goes to Lt. Carlo Marucci, a life-long resident of Montville Township. In 2001, Marucci was hired as a patrolman by the Montville Township Police Department; promoted to sergeant in 2012; and to lieutenant in 2015, where he remains the shift commander of Squad One within the patrol division. He also serves as the head firearms instructor. During his career, Marucci has received five Honorable Service Awards, two Unit Citations Awards, two Life Saving Awards and recipient of the Chamber of Commerce Public Safety Award in 2011. Between Jan. and Sept. 2016, Marucci arrested 14 people for possession of heroin, resulting in the seizure of over 571 bags of heroin. He works hand in hand with his officers, and always provides assistance to them. He leads by example and has

brought pride and distinction to the Montville Township Police Department. Public Service goes to Anthony Sia, computer technology teacher at Montville Township High School. However, music has always played an important role in his life so started the Montville School of Rock – an organization that combines classically trained and self-taught student musicians to form a Rock n Roll band. For the last 11 years the group has been donating the proceeds from its concerts to worthy causes. Whenever possible, students meet with the recipients of the funds they raise, so they can realize the difference they’ve made. The group, which now has new equipment that was donated by the Montville Educational Foundation and Montville’s Parent Teacher Council, raises thousands of dollars each year for organizations such as Montville’s Drug Awareness Council, The Homeless Bus, GirlUp, Emma’s Angels, and Eleventh Hour. The School of Rock plans to perform in the high school auditorium on March 16 to raise money for the Montville Educational Foundation, and on April 21, for the Gloria Foundation. Good Neighbor goes to Jupiter Environmental Services, a construction service company that provides asbestos abatement, demolition, insulation and lead paint removal for homes, businesses and public institutions throughout New Jersey and New York State. Their headquarters at 323

Changebridge Rd. was once old manufacturing building that had been vacant and neglected for years. Jupiter purchased the property in February 2011 and began a lengthy process of acquiring N.J. Department of Environmental Protection permits and planning and zoning board approvals to improve and repurpose the building and the property. Silver Service goes to Dan Grant, a life-long

Montville Township resident. Community service has always been part of his family life. Grant’s current activities include vice chair of the Historic Preservation Review Commission; director of the Changing Images Art Foundation, a non-profit involved in providing interactive art for people in hospitals and institutions; Democratic Municipal Chair; and member of the Morris County Democratic

Committee. Grant’s proudest achievements include working with others on the Township Committee to obtain the large amount of open space that Montville Township enjoys, and expanding recreational opportunities for all our children as the Township grew. Grant has served 15 years as an elected official and member of assorted committees in conjunction with that role.

Church Hosts Coffee House

he Montville United Methodist Church in Towaco plans to hold an Irish Coffee House on Fri., March 17, from 7

p.m. to 9 p.m. Delicious homemade Irish goodies will be served and Celtic music played by local musicians. This is an alcohol

free event. A free will offering will be taken as admission. For information call 973-263-3039.

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Fourteen Musicians To Represent Montville Township High School At Regional Spring Concert

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ourteen of Montville Township High School’s musicians plan to perform throughout Northern New Jersey this spring. The talented freshmen, sophomores, juniors and seniors are currently in rehearsals for a number of Region I concerts sponsored by the North Jersey School Music Association of the NJ Music Educators Association. MTHS chorus students who were awarded spots in the Region I Women’s Chorus are freshman and include: Madison Bustamante, Gabriella Casiano, Rachelle Philip and Anna Rehberg. Mixed Chorus Region I members are: seniors David Champion and Heather Giudice; sophomore Verina Megala; and freshman Srishti Nandy.

Photo by Sue Marinello. “All eight chorus students who auditioned were accepted,” said MTHS Chorus Teacher Kristen Markowski. “It is a challenging audition process. This is an exceptional accomplishment.” Region I Orchestra students include: Enoch Jo, junior, violin; Bethany Ko, junior, cello; and Seungho Lee, freshman, violin. MTHS representatives to Region I Band include Region I Third Chair recipient Tommy Sansone, senior, trombone; Sophia Hwang, junior, oboe; and Jennifer Weiss, freshman, clarinet. Students who made the Region I Orchestra or Band also qualified to audition for the NJ All State Orchestra or Band. In late January, MTHS freshman Jennifer Weiss landed a spot in the

NJ All State Band with a concert at the New Jersey Performing Arts Center (NJPAC) in Newark set for Sat., Feb. 25. “Students from Across Northern New Jersey compete for the opportunity to participate in Region I ensembles,” said Montville Township Public Schools’ Supervisor for the Arts Edward Fleischman. “We are very proud of the accomplishments of these students.” The MTHS Band students study under the direction of Band Teacher Kenneth Korlishin. The MTHS Orchestra Teacher is Andrew Havington. For information on upcoming Northern New Jersey Region I concerts see NJSMA.com or NJMEA. org.

Page 10 • March 14, 2017 • Tell Them You Saw It In The HomeTown News - Zone 17 • Like us on facebook www.facebook.com/mypaperonline.com

FINANCIAL News!

“All I Need Is $5,000,000 And I’m Outta Here!”

es, that was my goal when I officially started on my career path in 1981; I believed if I could accumulate $5 Million and put it in the bank at an 8% rate of return, the $400,000 in annual interest would be able to support me for the rest of my life. At that time in 1981, less than 4% of the American public earned over $50,000 annually, so $400,000 a year was a bit lofty and ambitious financial goal! I also understood that by the time it took me to accumulate the $5,000,000, due to inflation, I would probably need $100,000 a year to feel the same sense of security that $50,000 provided America’s top 4% of 1981 income earners, still leaving me a margin of error of $300,000 in surplus. I was turning 20 years old and felt that by the age of my retirement, I could make it with $5,000,000.00 in portfolio value. The other part of my ambitious goal was to set my retirement age to 35! Rather optimistic for sure, but, heck, I was just 20! In 1996 at the age of 35, I needed to reset my goal to the advanced age of 40; I worked, saved, in-

By Mark E. Charnet

vested and invested, saved and worked. I monitored, made adjustments and mortgaged my way down the road toward financial independence. In 1998, my wife and I purchased a dilapidated mansion in Wayne for $675,000 and invested more than $3,000,000 in repairs and improvements, anticipating an appreciation rate of 4% annually on such a magnificent property and homestead to raise our family. Today, just over 18 years later, if my assumption were to have been correct, the house would be worth $7.5 million and mortgage-free too! The property taxes certainly appreciated over those 18 years, from $19,000 to the current annual tax of $63,000! One, therefore, would assume that the property value should have risen similarly. The property taxes increased by a compounded average annual rate of 6.89% and I was hoping for an annual increase of only 4% on the house over the same period of time. My personal calculations and research tell me that my Wayne, NJ home has actually DEPRECIATED by 2.12% per year over the

last 18 years! So simultaneous to my property taxes increasing to $63,000, I was losing millions of dollars in property value, punching a substantial hole in my retirement plan of being financially independent, selling the house and having a cash nest egg of $5,000,000 to open an 8% bank CD with to retire. The other problem, if you haven’t noticed yet, is that CD rates are no longer at 8%, more like point 8% today. So, a $5,000,000 deposit at .8% would yield an annual income of $40,000 not $400,000! Looks like plan “A” may be in need of a plan “B”, which, would either be to retire now and learn to live on less, work longer to postpone retirement as long as possible or plan “C” a little bit of both. Lesson learned is that even the best of plans may be in need or revision, compromise or abandonment. In my case, there were multiple retirement plansrunning simultaneously that I refer to as “JIC” plans. My personal residence retirement plan was compromised somewhat, but, there were other arrows in my quiver, I’m happy to report. “JIC” is an acronym for Just in Case! To-

day, I am 55, my youngest of 4 children is age 16. My wife of 30 years is happy with our multi-faceted retirement plans in that we were financially able to retire more than 15 years ago, yet not emotionally ready. I constantly remind her of my desire to relocate to Florida and she reminds me that we are too young to retire to Florida. Like a George and Gracie routine, I respond with who said anything about retire, I said relocate. She responds, to me Florida equates to retirement and I’m a Jersey girl and far too young. I say, what does age have to do with it? And the banter continues. Nice to know though, we can absorb the multi-million dollar loss on the house and semi-retire in New Jersey or Florida alike, but she is right about one thing, we are both too young to retire full-time. I’d like to take a retirement test drive first, but not for a few years I told her. She replied that that idea was a great one. So I replied, I’d like to take the test drive in Florida…..And so the banter begins again. Readers, are you prepared for retirement? Did you make goals and plans,

save and invest, monitor and make adjustments as needed? Did you prepare alternative plans “B” and “C” and “JIC” too? If interested to know how to be better prepared, I’ll tell you what good “JIC” plans are, so you too can enjoy a comfortable, financially stress-free retirement. Some “JIC” plans may be initiated in your 20’s 30’s or 40’s and others can be initiated in your 50’s 60’s and 70’s. Education is the key and that’s why I write this column biweekly in your USPS delivered Home Town News. I cannot call you to schedule a no cost and no obligation appointment, that’s your first step to take. But, I can promise to do my best in sharing with you what in my opinion will be in your Best Interest moving forward if you decide to do that. The least you will accomplish is to put a face and a voice to this column. Looking forward to engaging in a financially rewarding conversation for you and your family, I invite you to call me 24/7. 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: 973831-4424 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.

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hen the scent of fresh blooms begins to fill the air, it’s a sure sign that spring has sprung. It’s the perfect time of year to gather loved ones for a leisurely meal, then linger over dessert as you enjoy this season of refreshment. No dessert menu is complete without an array of treats, and these creamy, homemade Blueberry Key Lime Cheesecake Bars are the perfect way to put a sweet finishing touch on your celebrations. Or go for a crowd pleaser with this Cherry Cheesecake Lush Dessert and its smooth,

Sweet Spring Desserts velvety texture and plump, juicy cherries. The secret ingredient in each of these desserts is Lucky Leaf Fruit Fillings, which are GMO-free and contain plenty of fruit – and no high-fructose corn syrup – for exceptional tasting desserts every time. With popular flavors like apple, blueberry, cherry and strawberry, you have plenty of convenient, versatile ways to dress up desserts. Find more tasty treats for all your spring entertaining at luckyleaf.com. Blueberry Key Lime Cheesecake Bars Recipe courtesy of Inside

BruCrew Life blog Prep time: 25 minutes Cook time: 45 minutes Servings: 24 Nonstick cooking spray 30 vanilla cream-filled cookies 1/4 cup butter, melted 3 packages (8 ounces each) cream cheese, softened 3/4 cup sugar 3/4 cup sour cream 1/3 cup key lime juice 1 tablespoon key lime zest 1/4 cup flour 3 eggs green gel food coloring (optional) 1 can (21 ounces) Lucky Leaf Blueberry Pie Filling, divided

1 container (8 ounces) whipped topping, thawed key lime slices (optional) Place baking sheet on bottom rack of oven. Fill halfway with water. Heat oven to 325 F. Line 9-by13-inch pan with foil and spray with nonstick spray. Using food processor, pulse cookies until crumbly. Stir together crumbs and butter. Press evenly into bottom of prepared pan. Beat cream cheese until creamy. Add sugar and sour cream, and beat again until smooth. Add key lime juice, zest and flour, and beat until mixed thoroughly. Add eggs, one at a time, and beat gently after each. Add green food coloring to cheesecake mixture, if desired.

Spread cheesecake batter evenly over crust in pan. Add 1 cup of blueberry pie filling over top of cheesecake. Use butter knife to gently swirl pie filling into cheesecake. Do not let knife go through to crust. Place pan on oven rack above tray of water. Bake 45-48 minutes. Remove immediately and place on wire rack for 1 hour then place in refrigerator until completely chilled. Cut into 24 squares and serve with whipped topping, remaining pie filling and key lime wedges. Cherry Cheesecake Lush Dessert Recipe courtesy of Lemon Tree Dwelling blog Prep time: 15 minutes

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Cook time: 15 minutes Servings: 12 1 cup vanilla wafer crumbs 1 cup finely chopped pecans 1 cup butter, melted 8 ounces cream cheese, softened 1 cup powdered sugar 16 ounces whipped topping, divided 2 small boxes cheesecake-flavored pudding 3 cups milk 1 can (21 ounces) Lucky Leaf Cherry Pie Filling 1/2 cup. chopped pecans Heat oven to 350 F. In medium mixing bowl, combine vanilla wafer crumbs, finely chopped pecans and butter. Press into 9-by-13-inch baking pan; bake 15 minutes. Remove from oven and cool. In separate mixing bowl, combine cream cheese, powdered sugar and 1 1/2 cups whipped topping. Mix until smooth; spread evenly over cooled crust. Combine cheesecake pudding mix, milk and 1 1/2 cups whipped topping, and mix until smooth. Spread evenly over cream cheese layer in pan. Top with pie filling, remaining whipped topping and chopped pecans.

Page 12 • March 14, 2017 • Tell Them You Saw It In The HomeTown News - Zone 17 • Like us on facebook www.facebook.com/mypaperonline.com Brought to you by Dr. Matthew Krupnick, the owner of Pequannock Animal Hospital

Preventative Care Important For Pets

ccording to a 2011 Bayer Veterinary Care Usage study, companion animal veterinary visits have been declining over the past several years. Study participants reported their pets saw the vet nearly 20 percent less than they did a mere four years ago. The infrequency of vet visits might be traced to a host of factors, including financial concerns stemming from the recent recession, the high cost of veterinary care, increased use of the Internet as a source of information about animal health and

Dr. Matthew Krupnick, D.V.M.

modifications in pet immunization schedules. Many vets have move to a three-year vaccination schedule, wherein pets

only have to receive routine shots every three years instead of annually. Some pet owners are choosing to forego annual checkups

because they don’t see the need to visit the vet unless a pet is sick or due for shots. Financial concerns are another factor in the decrease of vet appointments. Though the economy has begun to recover, some pet owners simply do not have the extra income to devote to animal care. While owners may have viable reasons for not taking their animals to see the vet, failure to do so can prove costly down the road. Health checkups for pets can alert owners to potential problems that can be resolved with medica-

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tion or other therapy. Left unchecked, illnesses may spread until surgery or other invasive treatment options are the only recourse. Veterinary health insurance for pets is available at a reasonable cost. These insurance plans can offset the expense of some visits and provide protection if a major illness should befall a dog or cat. Many veterinarians recognize the high cost of pet care and will be willing to work with customers in regard to payments. It is worth talking to the vet to see if a payment plan or

alternative appointments can be made to ensure the health of the pet. Vets may be able to suggest over-thecounter medications or certain foods instead of more expensive prescriptions. It’s important to note that diagnosing pet ailments on your own is ill-advised. Certain symptoms may seem to indicate one condition but could actually be something more serious. Pet owners should always confer with a vetcontinued on page 13

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t the NJ State FTC Robotics Championships held recently at West Windsor/ Plainsboro High School, the JDroids competitive robotics team won the Inspire Award. “The Inspire Award is the most prestigious award signifying the best team in

Wayne’s Robotics Team Wins Inspire Award our state,” explains Eugene Tazzetto, head coach of the JDroids. “One important element of this award is our devotion to conducting outreach events to inspire children, particularly those of underrepresented communities, to pursue STEM education,” he says.

“We are currently working with OASIS, a safe haven for women and children in need located in Paterson, teaching the children how to build and program robots.” Sharon Mistrella, the coach, and seven team members traveled to Plainsboro to cheer on the

Preventative Care Important... continued from page 12

erinarian if a pet is acting out-of-sorts and not rely entirely on homespun advice. The sooner a vet is seen, the more quickly the pet can get on the road to recovery. Veterinarians provide important services to maintain the health of a vast array of pets. Although

there may be inclinations to cut down on vet visits if a companion animal seems well, it is best to keep up with routine care to head off potentially costly treatment and keep the animal healthy and comfortable. 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.

JDroids during the State Championships! “Winning the top award propels our team to the Super Regionals to compete

with the best teams in the Eastern Region,” he says. “Our team has won numerous awards throughout the season, including winning

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Page 14 • March 14, 2017 • Tell Them You Saw It In The HomeTown News - Zone 17 • Like us on facebook www.facebook.com/mypaperonline.com

Nothing Foolish About Montville Township High School Color Run

ontville Township High School plans to host the inaugural, community wide My School Color Run on April Fool’s Day, Sat., April 1 at 10 a.m. to raise money for the Class of 2017! The run will be held at the Brittany Road across from Montville Library. The My School Color Run is an untimed 5K fun run for all ages and fitness abilities. A one-mile walk will also be available.

Along the route, participants pass through vibrant color zones, making it a “colorful experience.” Additionally, each pre-registered participant is provided with a single powder color packet that will be thrown in the air at the final color celebration at the finish line. “Rather than sell goods, we want to engage the entire student body in a fitness initiative that aims to encourage a life-long healthy

way of living,” says Dana Bertoli, event organizer. Participants that register by March 17 will receive a t-shirt, race bib, and individual color packet. Sign up for the run by visiting MontvilleMSCR. eventbrite.com or by completing a paper registration form. Business sponsorship opportunities are also available. Contact Bertoli, at 973331-7100 ext. 2794 for more information.

Registration Process For Montville Twp. Kindergartners Underway

indergarten Registration for Montville Township Public Schools’ 2017-2018 academic year is now open. Parents must complete both on-line registration and in-person registration for each child attending kindergarten. At in-person registration parents must also present four proofs of residency, as well as the child’s raised seal birth certificate, and several other documents. Instructions and details regarding the kindergarten registration process can be found on-line at www. montville.net/registration. All residents of Montville, Pine Brook and Towaco, whose children have reached the age of five on or before Oct. 1, 2017, are encouraged to register students as soon as possible.

District-wide kindergarten screening will be held for five days at each of the five Montville Township Public Elementary Schools. Montville elementary school kindergarten screenings are scheduled from mid-April to late-May. Parents are encouraged to complete On-Line Registration before Tues., Feb. 28. This will allow time for parents to then call the school, make an appointment, and complete in-person registration. Information regarding which school a child is eligible to attend can be found on-line during the application process. All forms necessary for registration are located online. Once completed, parents must call the school and set up an appointment for in-person registration. Meeting teachers and

touring the school will take place during the school’s Kindergarten Screening appointment. At this screening, children will complete a series of activities to provide teachers with an indication of the developmental level of each child. The screening lasts about one hour. Each child has his or her picture taken, meets each of the kindergarten teachers, speaks with the teachers, and does a few simple tasks. Kindergarten Screening dates are scheduled for several days at each of Montville Township’s five public elementary schools. Hilldale Elementary School, April 24-28. Cedar Hill Elementary School, May 8-12; Valley View Elementary, May 15, 16, 17 & 19; Woodmont and William Mason Elementary schools, May 22-26.

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

OneMontville Opens Up Meetings To Include More Community Members

he OneMontville organization held its first evening meeting on Tues., Feb. 28, at the Montville Township Public Library. OneMontville is a non-profit organization of volunteers focused on creating and maintaining a climate of acceptance-respect-kindness throughout the Montville Township Community. As the group is now in its second year, members discussed ways to increase the profile of the organization within the community. One such way will be the celebration of the Second Annual Green In Day on Fri., May 19. Green In Day is an opportunity for all community residents, and those who work in Montville, to support and celebrate the diversity of the Montville Township Community by wearing green. Green In Day is a visual display of the OneMontville mission to insure that all who live or visit Montville Township are treated with acceptance, respect and kindness. All seven Montville Township Public Schools

will again participate in a district-wide celebration of acceptance-respect-kindness during Green In Day. One Montville will also participate in Montville Township’s upcoming 150th Anniversary events, and will again participate in the Township’s Fourth of July parade and celebration, set to be held Sat., June 24. OneMontville members also had a preliminary discussion regarding forming a “Response Team” to provide assistance and support to anyone in the community who might experience bias, hate or Anti-Semitism. “OneMontville members feel that this might be the best way to convey the essence of the organization by reinforcing acceptance, respect and kindness when it is needed most,” said OneMontville President Ron Rauschart. The mission of OneMontville is “to create and promote a climate of acceptance, inclusion and kindness which teaches and celebrates respect for one another by embracing and

being enriched by the diversity that comprises the Montville Township Community. The mission can only be fully accomplished through the involvement and commitment of community leaders, religious leaders, business leaders, and residents of all ages, races, religions, ethnicities, abilities, gender identity or sexual orientation.” The upcoming meeting schedule for anyone who would like to participate in OneMontville projects or programs is: Mon., March 20 at 9:30a.m., Tues., April 25 at 6:30 p.m., Mon., May 15 at 9:30 a.m. and Tues., June 13 at 6:30 p.m. All OneMontville meetings are held at Montville Township Public Library in Montville. The Second Annual Green In Day will be Fri., May 19. Everyone is encouraged to wear green in support of acceptance-respect-kindness. For more information on OneMontville and events throughout the community visit OneMontville.org.

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