Zone 18 feb 2017 final by My Life Publications..Maljon LLC

Zone 18

HELP WANTED Local Writers Needed Email hteditor@ newviewmg.com

No. 13 Vol. 3

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February 14, 2017

Former Verona Resident Freezes For Special Olympics

By Maryanne Christiano-Mistretta umping into ice cold water is not pleasurable; David Coppola will not lie about that. But for a great cause, he’s proud to call himself the “Mascot Extraordinaire” for his team that does the Polar Bear Plunge in Seaside Heights every year for the Special Olympics. The Pompton Lakes res-

ident, formerly of Verona, is planning to participate in the Polar Bear Plunge on Sat., Feb. 25. This is one of the major fundraisers for Special Olympics New Jersey, which provides year-round sports training, competition, leadership opportunities, and health screenings to more than 25,000 athletes - and athletic competition in sports from alpine skiing to vol-

leyball for children and adults with intellectual disabilities. All these programs and services are always completely free thanks to fundraising events like the Polar Plunge. For example, $25 is the cost of 10 Special Olympics gold medals; $50 sends one athlete to fall games; $100 provides one adaptive bowling ramp; continued on page 2

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Racing In The Cold Warms The Hungry continued from front page $250 provides uniforms for an entire basketball team; $500 reserves tennis courts for sectional competition; and $1,000 sends an entire floor hockey team to the State Tournament. Special Olympics NJ is a not-for-profit organization. Those interested in plunging must register in advance and must raise

$100 minimum in order to participate. Coppola lost track of when he started doing this, but he said this could be the seventh or eighth year. This year they are putting in an extra effort to raise money in honor of Joe Riley who got the team together and passed away a month ago. Coppola’s team is called

The Polar Penguins. His son designed the banners and then Coppola decided to dress as a penguin to “go with it.” The Polar Penguins logo is on the outfit that his son designed and he also wears a cape with the banner. Each year The Polar Penguins raise more money for the cause. In the first

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year, $2,000 was raised. Last year, it was close to $8,000. Coppola hopes to raise $10,000. “You never know,” he said. “If it’s more, we’ll be grateful.” Regarding competing with other teams, Coppola said, “It’s a win-win situation. There are no losers, only people who win because you raise money.” Special Olympics isn’t the only cause Coppola is

helping. He also works as director of development of Emmaus for Veterans, which is working to build a living and training space for homeless veterans in Philipsburg. The 8,000-sq. ft. building will house approximately 50 vets and will be set up to teach various trades to the vets in residence. “Why Philipsburg?” said Coppola. “It’s cheaper.

It’s too much money over here in Northern New Jersey.” Coppola, who graduated Verona High School in 1976, still has ties to Verona, as his father, a 92-yearold World War II and Korean War veteran, still lives there. To donate to Coppola’s Polar Bear Plunge, visit: https://www.classy.org/ fundraise?fcid=787248.

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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Mark Halliday; Day Ltn. Hazel Whitty; Assistant Service Secretary Patti Tabler; Day Ltn. Dianne Boylan; Treasurer Joyce Reyes;President Mark Warner;

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Night Ltn. Jason Hammaker. This is its 78th year serving residents and responded to 1,612 calls in 2016 with a record five CPR saves of patients last year.

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.

Have a human interest story? Email us at hteditor@newviewmg.com

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Halls of Morris County Govt. Featuring Art Exhibit

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ing in Morristown feature gifted artists with artwork which span styles from the contemporary abstract to plein air realism, created in a variety of media including oils, cut paper, 3-D works, photography, mixed media and acrylic. “Morris Arts is delighted

to present this special Winter Invitational Exhibit at the Atrium Gallery, in partnership with the County of Morris,” said Lynn Siebert, Director of Arts Participation & Communications for Morris Arts. The exhibit showcases 37 outstanding artists whose

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Poets, Reading Groups Meet At Library

he Pompton Lakes Public Library keeps busy this February. Pompton Poets plans to meet Feb. 22, 7 p.m. – 9 p.m., featuring Don Kommit, at the Pompton Lakes Public Library. Kommit is an artist/poet/performer who has dedicated his life to Paterson where he was born, raised and educated. Poets, writers, readers and listeners join the Pompton Poets with George Pereny, poet, musician and educator. All are welcome to join and meet others, from first time poets to published writers. Upcoming meetings: March 29, April 26 and May 31. Attention book-lovers who like to read, review books, have fun and eat, join in for “Bagels and Books” the first Thursday and third Monday of the

month at 10:30 a.m. Free beverages and snacks will be provided. Upcoming meetings include March 2, March 20, April 6 and April 17. The Friends of the Pompton Lakes Library plan to host its first inaugural event for 2017! It will take place on Valentine’s Day, Feb. 14, from 2 p.m.-5 p.m. at the Pompton Lakes Public Library. This free event will include poetry, music and refreshments. For further information, call the Pompton Lakes Library at 973-835-0482. Registration for the Winter 2017 story-time session is now ongoing! Story Time will run to March 18. Totally Toddlers Story Time is Thur., 1 p.m. – 1:30 p.m.; Fri., noon to 12:30 p.m. Pre-School Story Time is Mon., 5:30 p.m.

– 6:15 p.m.; Tues., 10:30 a.m. – 11:15 a.m.; Tues., 1 p.m. – 1:45 p.m. Read To A Dog, for children ages five-10 are invited to sign up for a 10 minute time slot to practice reading to a certified therapy dog at the Pompton Lakes Library. Reading to a dog is a great way to build a child’s confidence without fear of judgment or criticism. Register in person, or by calling 973-835-5661. Children may bring reading materials from home or choose something from the library. If unsure of whether a program is being held due to weather, please call, 973835-0482. Upcoming dates are Mon., Feb. 27, 4 p.m.5 p.m.; Mon., March 20, 4 p.m.-5 p.m.

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Juggling And Crafts Offered At Butler Library

he Butler Public Library has some upcoming programs for children. Juggling Funshop is set for Sat., March 11, 11 a.m. - 11:45 a.m., for grades two through five. Parents need to sign up too. Want to have a blast learning basic juggling skills? If so, a Funshop for seven to ten year olds is set. This free program is limited to 50 children and parents. Celebrate Dr. Seuss’s Birthday March 1- March

31, for ages four to ten. Visit the Library and pick up a Dr. Seuss game board located in the children’s area of the library. Fill in the titles of Dr. Seuss books that go with the picture. Every participant will win a small prize for completing the game board. Happy Birthday, Dr. Seuss! Kids Craft: Sparkling CD Sun Catcher, Thur., Feb. 16, 6 p.m. - 6:30 p.m., for grades kindergarten through seventh. Join Ms. Lisa and decorate a CD to

make it sparkle and hang it up in the sunlight to catch the light. This program is limited to 15 participants. S.T.E.M. Light-Up Creature, Mon., March 27, 6 p.m. - 6:45 p.m., for grades three through seven. Create a small monster with simple supplies and add LED lights to make it extra spooky. This program is funded by Tri-State Ford through mouse.org and is limited to 10 participants. Call 973-838-3262 or stop by the Library to register.

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

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Page 8 • February 14, 2017 • Tell Them You Saw It In The HomeTown News - Zone 18 • Like us on facebook www.facebook.com/mypaperonline.com Brought to you by Dr. Matthew Krupnick, the owner of Pequannock Animal Hospital

Surprising Facts About Fleas And Ticks

leas and ticks rely on blood for food. They are the vampires of the pet realm, silently stalking companion animals wherever they go. Once fleas and ticks find a victim, they are bound to stay around for a while, enjoying the free meal. Fleas, in particular, can grow quite fond of a cat or dog - reproducing and quickly building an infestation. Few people are enamored with fleas and ticks, but learning a little more about them can help pet owners understand their behaviors and how to best keep their pets safe. Fleas Fleas have four life stag-

Dr. Matthew Krupnick, D.V.M.

es: egg, larva, pupa, and biting adult. Most people are familiar with the adult stage because those are the most noticeable and painful. Fleas can feed on just about any blood host.

Scientists know of more than 2,000 species and subspecies of fleas. However, in North America, the cat flea (ctenocephalides felis) is responsible for the majority of cat and dog infestations.

Female fleas are typically larger than the males and are responsible for proliferating the flea brood. Females can consume up to 15 times their body weight in blood every day. This helps to fuel egg-laying, which can take place within 36 to 48 hours of the female’s first meal. In her lifetime, a female flea can lay roughly 2,000 eggs. Fleas are wingless parasites that get around by jumping from host to host. If they don’t have to expend too much energy (i.e. get comfortable on a host), they can go anywhere from between two months and 100 days without a meal. Fleas can jump up to eight inches

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high, enabling them to grab onto a passing meal source. A typical flea can live for a few months, and fleas can carry a number of different diseases. From plague to cat scratch fever to tapeworms, fleas can make pets ill and also affect people who interact with them. Ticks Ticks are not insects; they are arachnids. That means they are more closely related to spiders and scorpions. The stages of the tick include the egg, larva, nymph, and adult. Depending on the species, nymph ticks can be quite small to the naked eye. Ticks’ small stature can make them difficult to detect until they

have become engorged with blood. The University of Rhode Island’s Center for Vector-Borne Disease and its TickEncounter Resource Center say that spring is a prime time for the birth of new ticks. During this time of year, ticks are on the hunt for their next meals. Ticks can be carriers of a number of diseases, but it’s important to note that a tick has to be attached for longer than 24 hours to transmit diseases to a host. That means checking animals (and yourself) for ticks frecontinued on page 10

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he Butler Library has some upcoming programs planned for

adults. All of the adult programs are open to those who are at least 18 years of age, unless noted. Because space is limited to generally 25 seats or less, preregistration is required. Reserve a seat by visiting the Llibrary or call 973-838-3262. A program on Financial Literacy is set for Wed., Feb. 22, 6:30 p.m. - 7:30 p.m.. Presented by Joshua D. Allen, Seton Hall University School of Law, this program will offer insight into financial markets and investments and provide the foundation necessary to become informed and prudent investors. This free program is limited to 30 participants. Call 973-838-3262

to sign up. Psychic Medium Event and Book Signing, Wed., March 14, 6 p.m. - 7:30 p.m. Presented by Rose Marie Rubinetti Cappiello, in this group event, the medium will bring forth those Spirits who seek to connect with the audience. As many spirits as time allows will determine who comes through but know each message & connection affects the whole group deeply and profoundly. Rosemarie will also have her books for sale and signing. This free program is limited to 25 participants. Elder Exercise Classes are held every Monday, 10:30 a.m. – 11:15 a.m. Join in for exercises focused on stretching and moving while in a chair. Use weights to improve strength and increase bone

density with Dana Jacko, exercise instructor. Join in for fitness and fun for just $5 a class. Drop in and try it any Monday! Weekly Computer Assistance through June 13, 11 a.m. – noon. Presented by Paul Pilmanis, volunteer. Service is first come, first served. No formal instruction provided. Topics are varied. This service is for beginners and there are no sign ups required, just come in. The Knitting & Crocheting Circle, first and third Tuesday monthly, 6:30 p.m. – 8 p.m. From beginners to experienced, all are welcome to come socialize, share their projects or learn new knitting or crocheting skills from one another. Sign-ups are not required for this event.

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simple way to think about your 1040 tax return is focusing on a single line, your Adjusted Gross Income (AGI). Anything “above the line” creates an AGI that can yield tax opportunities or tax consequences for anything “below the line.” Being aware of “the line” and the impact it has

Knowing “The Line” Creates Opportunity on your tax return can help you make better tax decisions throughout the year. Understand the line. When you hear “the line,” it’s referring to both the last line on page one and the first line on page two of your 1040 tax return. The AGI line is made up of W-2 wages, tips, and other income; interest and

dividends; capital gains/ losses; alimony; pensions, annuities, and social security income; and business activity profits and losses. It also includes a number of miscellaneous items that can reduce your AGI such as educator expense, moving expense, student loan interest, and alimony paid. The list of things that

Fleas And Ticks...

continued from page 8 quently can help avoid the spread of illness. Ticks don’t jump or fall from trees. The parasites crawl upward, so start looking from the feet, moving up. In addition, check a dog’s face, where a tick may latch on while the dog is sniffing in the grass. Ticks and fleas are pesky critters that can carry

disease. Consult with your veterinarian if you suspect your dog has a tick or flea problem to get the situation under control. Preventative collars and medications can help repel fleas and ticks as well. 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.

impact AGI can be lengthy. What is important, however, is understanding that this single line has a tremendous impact on what your final tax bill will be. It’s also important to consider below the line impact. Phase outs. If your AGI is too high, you could be in for an unpleasant tax surprise because so many of your “below the line” tax benefits can be phased out. This could include losing up to 80% of your itemized deductions, all of your exemptions, and access to most credits. Alternative minimum tax. A high AGI can subject your tax return to a below the line calculation using an alternative tax table. Marginal tax. Your AGI

can subject some of your income to higher tax rates up to 39.6%. Understanding the importance of “the line” on your tax return can help clarify suggested tax planning actions. How much can you add to your AGI and still be subject to a lower tax rate? Does an increase in your AGI phase out other tax benefits? While you can analyze the numbers yourself, consider contacting us to assist you in understanding how your above the line decisions might change your below the line tax implications. Robert P. Sokoloff and Associates, PC, is a year round full service CPA firm providing a wide range of

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Page 12 • February 14, 2017 • Tell Them You Saw It In The HomeTown News - Zone 18 • Like us on facebook www.facebook.com/mypaperonline.com

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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Like us on facebook www.facebook.com/mypaperonline.com • Tell Them You Saw It In The HomeTown News - Zone 18 • February 14, 2017 • Page 13

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Based on double occupancy Single room supplement $1470 Travel insurance and Airfare call for information and pricing On this trip, enjoy VIP access to some of the most popular attractions in Italy. Experience Italian wine and food like a local during abundant multi-course feasts featuring the best local traditions. Learn insider tips and relish exclusive surprises along the way. Though it will be difficult to leave, you will go home with a new appreciation for the food and culture of this amazing country, whether it’s your first or twenty-first time in Italy. Tour Highlights • Small group max 24 people • Exclusive early access to the Vatican • Local markets and tasting tours, original off-the-beaten-path activities • Local specialized foodie guides • Visit to most important sites of each city, including entrance to museums • Meals in traditional top restaurants, including local wines • Wine tastings & wind cellar visits with local sommeliers • Local food tastings • Fully-escorted tour with professional full-time escort • Local tour guides • Transportation by luxury motor coach • First-class centrally located hotels • Memorable experience guaranteed Included: • 10 night hotel with breakfast daily • Transportation by private luxury motor coach as per itinerary • Full-day Vatican and Ancient Rome tour including lunch • Half-day morning food tasting tour • Siena tour with lunch, wine tasting in Chianti • Walking tour of Florence, including the Academia Galleria & wine tasting • Morning market tour and cooking class including lunch • Afternoon walking tour of Bologna • Tour of Torrechiara, visit of castle, lunch, tastings of Parmigiano and Prosciutto • Walking tour of Venice, Doge Palace tour • Venetian happy hour tour with tapas and wine • 6 dinners in select restaurants, including house wine Hotels Subject to Availablility (can be replaced with similar): • Rome: Hotel Empire Palace • Florence: Grand Hotel Baglioni • Bologna: Hotel Royal Carlton • Venice: Hotel Bonvecchiati Deposit $750 due March 15, 2017 Final payment due June 1, 2017 Cancellation fee $75 per person up to May 31, 2017. No refund after final payment.

October 9 – Welcome to Rome Meet your Roman expert at the Rome airport and then transfer to your hotel. Enjoy free time in the afternoon before a welcome dinner at a traditional restaurant. Let the feast begin! D October 10 – Early Entrance Vatican Tour and Colosseum With our exclusive early access to the Sistine Chapel, you’ll admire Michael Angelo’s masterpiece as a VIP before it gets crowded. Take a lunch break in a local restaurant and then make your way to the Colosseum and Roman Forum in the heart of Ancient Rome. There, skip the line and step back into history! Spend an evening of leisure, including dinner on your own. B, L October 11 – Markets Tasting Tour In the morning, meet with your foodie guide for a stroll through Rome’s squares and neighborhoods, learning tips and stories about Italy food history while tasting your way through some of the city’s best shops, restaurants and markets. Enjoy pizza with a mortadella tasting, suppa (fried rice-ball), pasta, fried artichokes, and fried cod fish, plus an artisanal gelato tasting. B,FT October 12 – Siena, Chianti and Florence Depart Rome in the morning, stopping first in Siena, where you will be enchanted by stories about this historic Tuscan town. See the cathedral (exterior), Palazzo Comuanle, and Piazza del Campo where the Palio race takes place every year. Enjoy a typical Tuscan lunch and then set off through the panoramic hills of Tuscany with a stop in Castellina in Chianti. Visit the ancient town center, shop for local products and then enjoy a VIP wine tasting with snacks in a wine cellar in the Chianti countryside. That evening, arrive in Florence in time for dinner in a traditional Florentine restaurant. B, L, WT, D October 13 – Florence Walking Tour with David and Wine Tasting Walk among the most fascinating and interesting places of Florence, including the Cathedral with Brunelleschi’s Dome (exterior), the Baptistery with its famous gates of Paradise (exterior), Signoria Square with its Palazzo Vecchio (exterior) and Loggia del Lanzi finish the morning with a visit to the Accademia Gallery, where you will admire the famous David statue. In the afternoon, enjoy a wine tasting in a typical Florentine wine cellar. B, WT October 14 – Market Visit and Cooking Class Our famous, charismatic chef will teach you how to cook a nice Tuscan meal in the heart of Florence! Shop with your chef at the central market, picking up the ingredients for your lunch. Next, head to our professional kitchen to create your own meal with the guidance of the chef. Enjoy the flavors of your efforts along with a selection of Chianti wine. Enjoy the afternoon on your own before dinner in a restaurant in the city center. B, L, D October 15 – Bologna Walking Tour En route to Bologna, visit a shopping center featuring gourmet cuisine and beautiful gift shops. After checking in at your hotel, experience a city walking tour starting at Piazza Maggione, with its main buildings, including city hall and Neptune’s Fountain. Visit the Biscillica of Saint Pertofonio , one of the biggest churches in the world. Walk through the historical Mercuto di Mezzo up to Saint Steven square. Bologna and the Emilia region is arguably where you will find the best food in Italy, of course we will include a dinner in an excellent restaurant so you can decide on your own. B, D October 16 - Castle Visit and Food Tasting in Emilia In the Torrechiara area, visit one of the most beautiful and well-preserved castles in Italy. On the way, visit a Parmigiano Reggiano dairy for a tasting. Once you reach the Castle of Torrechiara, you will experience a guided tour and a special lunch in a wonderful restaurant in the old town. Your day continues with a visit to a Prosciutto do Parma factory, where you will enjoy a prosciutto tasting. Return to the hotel for free time and dinner on your own. B, L, FT October 17 - Venice Walking Tour with Gondola Ride Arrive in Venice in time for an afternoon of exploring the highlights of the city, including Piazza San Marco. Discover the origins of how Venice came to be as you visit all of the main monuments, the Bascilia San Marco, Piazza Ducale, the Bell Tower, and the famous clock tower. Embark on a romantic gondola ride on the Grand Canal and some of the smaller minor canals. In the evening, enjoy dinner in a typical Venetian restaurant. B, D October 18 - Doge Palace and Venetian Happy Hour In the monring, visit the Doge’s Palace, which for centuries represented the seat of Venetian political power, Enjoy lunch on your own before an afternoon Venetian Happy Hour. Meet your expert guide and snack your way through the lesser-known ports of Venice, taste a glass of Cabernet wine along with two “cicchelli” (typical Venetian tapas). Our tour will continue to three more wine bars, tasting wines and food while passing some of Venice’s most beautiful hidden corners along the way. Finish the day with a special Venetian farewell dinner. B, FT, WT, D October 19 - Ciao Italia! Say Ciao to Venice and then transfer to the airport for departure. B Meals B - Breakfast, L - Lunch, D - Dinner, FT - Food Tasting, WT - Wine Tasting

For More Information Contact: Ruby Stanfield RubysTravel.com 973-696-7829 1479 Route 23 South, Suite 202 Ruby@RubysTravel.com Wayne, NJ 07470

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

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-

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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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FINANCIAL News!

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.

Page 16 • February 14, 2017 • Tell Them You Saw It In The HomeTown News - Zone 18 • Like us on facebook www.facebook.com/mypaperonline.com

Party-Perfect Flavors To Savor With Friends

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

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 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. Spread filling evenly over dough. Sprinkle evenly with raisins. 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 com-

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Party-Perfect Flavors... cont. from previous page wave popcorn is sure to be a crowd-pleaser because of its delicious flavor and versatility. Whether you create 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 VOT BEST FED O IN TOW OD N

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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

um heat 5 minutes, or until warm, stirring occasionally. 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.

over popcorn; mix well with spoon sprayed with cooking spray. Moisten hands with water before shaping popcorn mixture into 24 small balls, about 1/3-cup popcorn mixture each. In small saucepan, heat chocolate syrup over medi-

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

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 attendees 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 dicontinued on next page

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CRS Foundation... cont. from previous page agnosed 21 years ago with “medulloblastoma,” a cancerous tumor in the stem of the brain. It was Labor Day 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 strug-

gling. “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 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. Re-

cipients, 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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Art Fights Post Traumatic Stress Disorder

By Henry M. Holden arry Jensen is one of thousands of wounded Vietnam veterans who is still dealing with the horrors of war. He was drafted in 1968 and served with the LongRange Reconnaissance Patrol (LRRPS), small groups of six to eight men who go deep into enemy country for intelligence information. “I was on a line going through the discharge process and when I got to the end of the line, there’s a young man with two mechanical arms, Jensen said. “He looks at my record and since I had been wounded in the left arm and leg, he says to me ‘you’re entitled to disability.’ I’m standing there, and I look at him, and his mechanical arms and I

said, ‘no, I’m not disabled.’ So, he says to me do you want to waiver it? I said yes. “So, unfortunately, as a young man I waivered my claim in 1970. It was not the brightest thing I ever did. We didn’t know anything about Post Traumatic Stress Disorder (PTSD) back then.” When Jensen got out of the army he first started working as a shoe salesman but then went into carpentry. Eventually he retired as a carpenter. “One night, at a meeting of The Military Order of the Purple Heart (MOPH), somebody asked me how much disability was I getting. I said ‘none.’ He said, ‘That’s impossible. You were wounded!’ Later they helped me file a claim, and I was awarded a 50 per-

cent disability. They are now trying to help me get 100 percent because of my PTSD.” The MOPH also saw something that Jensen did not see. “They said I was a ‘Godly person’ and they voted me in to be the Chaplin for their chapter. “The way that came about was I have a ministry for veterans, called Pointman International Ministries, a Christian ministry for vets, and by vets. Its purpose is to connect the hurting veteran as well as their families and friends with others who have already begun the transition home. Jensen has been ministering to the northern New Jersey area since 1990. “One day I’m at the vet’s center in Secaucus, and one

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of the counselors said they were going to start a new art program. It was going to be a 12-week program called “Paint Your Pain.” Because I had drawings hanging up in the hallway that I did in Vietnam, they asked me if I would help teach the class. I hadn’t painted in 30 years but I said, ‘I’ll do it.’ Right now, we’re in our fourth year, so I guess the 12-week course has been a big success.” The painting is a form of therapy. Jensen has about 15 men in his class. “Some of them are absolutely super, they are very good,” Jensen said. Jensen uses his art talent to earn a living, and paints different subjects. “I do some military paintings and sometimes I get off that subject and

do subjects such as landscapes, anything that I think will sell. I sell a lot of eagles with the American flag as a background.” Art is very therapeutic says Jensen. “It calms many of the men down,” he explained. “They find talents they never knew that had. They learn to draw and paint. The original concept behind this

was to illustrate their nightmares and purge the nightmares and feelings.” Some of the students are at a point where they can sell their work. “Right now, we have quite a few entries at the Lyons VA hospital for the annual Creative Arts Contest. We’re hoping to get some winners from that contest.”

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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 mort-

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

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

Did You Know?

he planet is comprised of a remarkable set of organisms that, when working correctly, produce some awe-inspiring results. However, the Earth is constantly under attack from a growing population and the mechanisms of man that can have very real environmental

impacts. Education is the key to inciting real change. One in four mammals is at risk of extinction, while 78 percent of marine mammals are threatened by an early and preventable death due to getting caught in fishing nets intended for other species. Furthermore, at least 50 million acres of rainfor-

est are lost every year, totaling an area the size of Great Britain, says the organization Solar Energy World. By making real changes, including recycling, cutting down on emissions and protecting wildlife habitats, individuals can help to preserve the world’s resources for many years to come.

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

with when buying a home. Closing costs and other fees will also need to be paid by the buyers. • Examine monthly expenses. Once buyers learn how much mortgage they will qualify for, they will then see how close they are to buying a home. But prospective buyers of all means can save more each month by examining their monthly expenses and looking for ways to save. Buyers can begin by looking over their recent spending habits and then seeing where they can spend less. Cutting back on luxuries and other unnecessary spending can help buyers get closer to buying

MARIA FERRITO

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

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973-200-3262 Direct • 973-454-5183 Cell • 973-200-3231 Fax • ryan.barry@njlenders.com Mortgage Payments listed above are based on principal & interest only on a 30 yr fixed mortgage and does not include taxes, insurance or condo dues. Mortgage Payments listed above are based on a 20% down payment. APR based on a 740 credit score as of January 19, 2017. Terms for Condos listed above are subject to meeting Fannie Mae Guidelines. This information is not to be considered a commitment to lend. Programs and terms are subject to change without notice. NJ Lenders Corp. is a Licensed Mortgage Banker, States of NJ, NY, CT, FL, MD, PA and VA Banking Departments, NMLS #35286 Equal Housing Lender.

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Acclimating To A New Neighborhood

new year means plenty of exciting opportunities on the horizon. For a number of people, this may be the year they relocate to a new home or apartment. The moving rate in the United States has remained steady since 2008, with roughly 12 percent of the population relocating each year according to reports from the U.S. Census Bureau. Movement to the suburbs continues to be high, and renters tend to move more frequently than others. People who move cite a new job or a job transfer as one of the primary motivators to relocate. Acclimating to a new home and neighborhood after a move can be challenging. Even after boxes have been unpacked and

items put away, some people still feel unsettled. It could be because one of the most important parts of being in a new house is feeling at home. That involves meeting neighbors, having friends over for dinner and knowing all of the local haunts that help solidify a homeowner as a true member of his or her new neighborhood. It can take time to establish feeings of belonging, but here’s a way to speed up settling in. Host your own welcome party Rather than waiting around for others to welcome you to the neighborhood, take the bull by the horns and introduce yourself to your neighbors in a fun way. Host an open house party and invite your new neighbors. What better

youth sports or serve as a scout leader. These opportunities will help expand the number of people you meet in your new community. Find people with similar interests Let your hobbies and other interests open up connections. Explore the opportunities in the area that cater to your interests. Find a local gaming shop and discuss way to converse with others than with food, beverages and a festive atmosphere? Plus, your party may lead to reciprocation from others. Scout out the neighborhood Use mobile phone apps to see where the locals tend to congregate and plan trips to these restaurants and other shops. Over time, you probably will start to see some familiar faces. Drive

around town and get a feel for side streets instead of the main thoroughfares. It’s often off the beaten path where you happen upon the greatest finds. Get involved If you have children, you may have the advantage of meeting people at school functions or at the bus stop. Volunteer with the PTA/ PTO or sign up to coach

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the latest video game offerings, or check out a local band if indie music is your thing. Converse with others who are participating in the event or are in groups meeting in your area. After moving, getting acclimated to a new neighborhood and making new friends is one way to feel at home.

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TINA CALI - Broker Associate Tina achieved a 30 year record breaking home sales history at Northern NJ Century 21 Gemini offices.

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KINNELON/HIDDEN ACRES $819,000 BETTER HURRY! Definitley put this Fabulous Custom 5 Bedroom 3 and 1/2 Bath Center Hall Colonial on your list to see! Just wait until you see the beautiful large FLAT Park Like backyard with a In-ground Gunite pool, Large deck, room for Swing set, and much more. Main Level garage for your convenience. Very Spacious rooms through-out. Two story Great room with a stone fireplace. In-Law Suite or office with full bathroom and a separate entrance. Hardwood Floors, Crown Moldings, Sprinkler System, Ground Lighting. Large Eat In Kitchen with Corian Counter Tops, Gas Cooktop, Center island. Quiet Cul-De-Sac Neighborhood close to shopping, schools, Restaurants, Golf Courses, Ski Resorts, Rt 23 & Rt 287 for easy Access. Kinnelon offers a Excellent Top Rated school System with # 3 Rated High School in New Jersey. GSMLS#3361996

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This is not a commitment to lend or extend credit. Restrictions may apply, information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans are available in all states. Licensed Correspondent Lender NJ Dept. of

Banking and Ins.

Call Cindy at 973-714-3897 cell www.KinnelonRealty.com

Coldwell Banker Kinnelon/ Butler Regional Ofﬁce 1450 Rt23 North, Butler NJ 07405

Direct Ofﬁce 973-283-7725 • Ofﬁce 973-838-9300 x244