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.
My Trinity Method of Invest-
ing
Work-
shop in Wayne, please call me
for a personal opportunity to
meet one on one to see how
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and your portfolio. If youve
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paper for any length of time,
now is your chance to meet
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where I will be looking for-
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Call today: 973-831-4424 to
request an appointment!
Happy Halloween to trick or
treaters everywhere.
Mark E. Charnet is President
and Founder of American
Prosperity Group. APG is the
Premier Retirement and Estate
Planning Franchise in the
United States with 15 offices in
8 states. Mr. Charnet has
over thirty years of experience
in the Retirement and Estate
Planning fields. Creator of the
Trinity Method of Investing,
Mark encourages your in-
quiries and can be reached at:
800-929-3374 or 973-831-
4424 or via email, markchar-
net@1APG.com Check out
our website: www.1APG.com
Interested in a career in retire-
ment and estate planning?
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www.APGFranchise.com
*Guarantees are based on the
claims paying ability of the
insurance company selected.
Securities through: BCG
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visit our website at www.lifeandleisurenj.com
November 2, 2011 Zone 2, Page 11
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With the purchase
of a beverage.
Ideas abound for budget-friendly holiday meals
Y
ou are probably won-
dering, how is it possi-
ble to determine my
cost before I know which
schools my student will apply
to or ultimately attend. For
the most part, it does not
matter which school. What
matters is what you will be
expected to pay in the form of
your Expected Family Contri-
bution (EFC) and the pro-
jected unmet need. Just as
important, you need to know
your familys ability to pay the
EFC, which will be the ab-
solute minimum out of pocket
regardless of which school
your student attends. Since
schools differ in the amount
of aid they can provide, your
cost will definitely be your
EFC; and in most cases, some
unmet need. How much
Need Based Aid you will be
eligible for is determined by
subtracting your EFC from
the Cost of Attendance at the
school. Remember, your EFC
remains constant. These ex-
amples will illustrate the
point.
School A: Cost of Atten-
dance $30,000 less EFC of
$30,000 equals $0 Need.
School B: Cost of Atten-
dance $40,000 less EFC of
$30,000 equals $10,000 Need.
Your need is what you are eli-
gible for, not necessarily what
you will receive.
Let me better explain.
In the college planning and
financial aid world, every
family will have an Expected
Family Contribution (EFC),
based on financial aid formu-
las. Be prepared, because this
number usually results in
shock or tears of disbelief
when families learn what
their EFC will be. It is not
worth arguing or debating
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 22, Zone 2
Ryan Barry
Mortgage Banker
NMLS# 183464
219 Paterson Avenue, Little Falls, NJ 07424
973-200-3262 Direct 973-454-5183 Cell 973-837-9616 Fax
ryan.barry@njlenders.com
Building a "Family of Clients" with a strong belief in the "Client for Life" Philosophy.
Conventional, FHA, VA & FHA 203k Rehabilitation Mortgage Specialists.
Customized Mortgage Programs Available for Self-Employed Borrowers.
Call today for details on our NO CLOSNG COST REFNANCE program!
CENTURY 21 CREST REAL ESTATE, INC.
142 ROUTE 23 NORTH
POMPTON PLAINS, NJ 07444
Office (973) 686-1500 (800) 950-5021
www.century21crestreaIestate.com
POMPTON PLAINS $389,900
GREAT COLONIAL
New England Flair. Offering generous size
rooms. Well maintained by original owners. Low
maintainence. Enclosed front porch to large For-
mal DR. Call Colleen McMahon at 973-214-
5250.
POMPTON LAKES $549,900
JUST MOVE IN!
$40k reduction! Classic center hall colonial on
1.43 acres.approx. 3500 sq ft of charm & char-
acter.ingrnd gunite pool w/spa,3 car detachd gar.
Call Danielle Fiorina 973-460-4352.
KINNELON $999,900
SMOKE RISE!
Contemporary custom built w/ state of art
amenities. Breath taking fantastic sunset mt
view. Large walk out bsmt. Heated sylvan pool.
Call Joni Kim at 973-220-1097.
PEQUANNOCK $425,000
PRICED TO SELL
Spacious custom col. w/ Master Bedroom add.,
lg closet, tray ceilings, radiant heat, updated
kitchen, fabulous gas stove, loads of cabinets.
Call Colleen Mcmahon at 973-214-5250.
KINNELON $4,300,000
PRIVATE LAKE
Private MANOR HOME on 28 acres w/ Private
Lake - Unique property approx.. 20 miles from
NYC. Secluded - Retreat-Private- Spacious
home w/ 9 BR's & 8 1/2 baths. Call Marie
Episale at 201-314-0106.
CLIFTON $229,900
CHARMING COLONIAL
This charming colonial features a large living rm,
EIK with tile floor, 2 full baths, enclosed sun porch,
garage, patio, basement w full bath, and laundry
rm. Call Elisa DeStefano at 973-800-2344.
LINCOLN PARK $367,000
A REAL GEM!
Hurry! Nice Front to Back Split Upgraded & up-
dated beautifully - Kitchen with Granite Coun-
tertops & custom built ins H/W floors . Call
Marie Episale at 201-314-0106.
LODI $334,900
WELCOME HOME!
Well maintained and updated. Full front dormer
and also a Rear Dormer brings great space to this
Cape Cod home. Call Marie Episale at 201-314-
0106.
WOOD RIDGE $675,000
ALL THE BELLS & WHISTLES
NYC skyline views!- 2-sty. Ef, 9' ceilings 1st flr,
h/w flrs, gourmet kit w/gran. & ctr. Island, nyc
view from mbr w/mba/whirlpool/ss. Call
Francine Elmo Deming at 973-699-0033..
LINCOLN PARK $495,000
BEAUTIFUL BI-LEVEL
Gorgeous oversized bi-level luxuriously updated
in 2004 Thomasville Cabinets & Kitchen-Aid Pro
SS Appliances.separate in-law suite with own
entrance and laundry. Call PAVLE BIJELONIC
973-445-6843.
BLOOMINGDALE $349,900
COTTAGE ON LAKE FRONT!
Charming lakefront property includes wide open
frontage right on the water! The adorable cottage
like home includes a formal DR,LR with wood
stove &high lofted ceiling. Call Livia Deak 973-
903-2284.
POMPTON PLAINS $395,000
LOCATED AT NORTH END OF TOWN
Expanded Single Floor Ranch located in the
North End of Town. Fabulous Addition offers
Large LR &Fam Room w/ Cathedral Ceilings,
Dome Windows& French Doors. Call Pamela
Russo at 973-896-6490.
BLOOMINGDALE $495,000
FARMHOUSE COLONIAL
Historic character w/ modern space & design.
Farmhouse Victorian Col. another 1 Bedroom
home on the prop. - Inlaid wood flrs in DR - cov-
ered porch off Family Rm. Call Marie Episale at
201-314-0106.
ROCKAWAY TWP. $299,000
VERY BRIGHT & AIRY HOME
Clean move in condition, Hardwood floor ( 1st,
2nd ) Walk out basement w/ full bath and wood
burning fire pl, Livrm/ Dinrm combo w/fire pl (
wood ) Close to highway & shop. Call Joni Kim
at 973-220-1097
MORTGAGE RATES ARE AT HISTORIC LOWS!
PROPERTIES FOR RENT
GarfieId - $875
2 Bedroom, 1 Bath 1st Fl. Unit
ButIer - $1300
2 Bedroon, 1 Bath Apt.
LincoIn Park - $1750
3 Bedroom, 1 Bath Apt.
MontviIIe - $1850
3 Bedroom, 1 Bath Short Term Rental
Pompton PIains - $1150
1 Bedroom, 1 Bath Condo
Pompton PIains - $1350
2 Bedroom, 1 Bath 2nd Fl. Apt.
Pompton PIains - $2000
3 Bedroom, 2 Bath Spacious Home
BIoomingdaIe - $1225
2 Bedroom 1 Bath Duplex
CIifton - $1200
2 Bedroom, 1 Bath 2nd Floor
Pompton Lakes - $1100
1 Bedroom, 1 Bath Lovely Condo
Wayne - $1100
1 Bedroom, 1 Bath Furnished Apt.
West MiIford - $1600
2 Bedroom, 2 Full Bath Updated Home
Determine your cost for college before looking at schools By Chuck Drawbaugh
continued on next page
whether the formulas are cor-
rect or fair. Parents often
laugh or panic when we tell
them their EFC and com-
monly say, How do they ex-
pect us to come up with that
kind of money?
The point is: you need
to know your EFC, and real-
ize it will be the same regard-
less of the school; so why wait
to find out and further delay
planning. The only way to
pay less than your EFC is if
your student goes to a school
that cost less than your EFC;
for example, a community
college. Once you determine
your EFC, it is time to deter-
mine how you will pay that
amount, regardless of the
school. Need based aid is
meant to help cover your fi-
nancial need, not your EFC.
Therefore, you will pay your
EFC from either, savings, in-
vestments, your income, or by
borrowing. Many families do
not have enough savings to
cover their EFC for the first
year, let alone four or more
years. Therefore, most fami-
lies will be borrowing to cover
a portion of their EFC.
Once you determine
how much you are expected
to pay (your EFC and unmet
need), it is important to de-
termine how much you can
pay, or more importantly how
much you should pay. It is
crucial to determine how
much you should pay early
on, because if you dont, you
could paint yourself into a
corner financially. You
should know how much you
may have to borrow and what
that means in monthly pay-
ments. If you have found it
difficult to set aside money
each month leading up to col-
lege, what will change to
make money available to
make the monthly payments
on college loans? It is very
important to know the an-
swer to this. If things are that
visit our website at www.lifeandleisurenj.com
November 2, 2011 Zone 2, Page 23
KINNELON $1,275,000
Exquisite 6BR, 4.1 Bath, Ch Colonial, built in
2005. 2 story Great Room w/fplc., In-law suite,
W/O LL, H/W flrs., 3 car gar., 2.3 acres. KIN9560
Kinnelon/Smoke Rise 973-838-9300
KINNELON $1,195,000
Smoke Rise Impressive New Construction.
Very Grand 4BR, 4.1 bath Custom Built. Ranch
on exceptional 1.44 acre property. KIN3073
Kinnelon/Smoke Rise 973-838-8400
KINNELON $1,375,000
Elegant 5BR Colonial Professionally decorated
2-story Great room, Atrium, In-Law Suite, IG
pool, nestled on a cul-de-sac. KIN2210
Kinnelon/Smoke Rise 973-838-9300
KINNELON $1,998,000
Smoke Rise Highest standard of quality work-
manship, attention to detail. A visual feast. Truly
a work of art. KIN2048
Kinnelon/Smoke Rise 973-838-8400
KINNELON $1,999,000
Stately 4BR, 4.2 bath CHC on 3.7 acres on a
cul-de-sac, paver driveway. 3 car gar. KIN3049
Kinnelon/Smoke Rise 973-838-9300
POMPTON PLAINS $529,000
Unique 4BR Tudor with large LR, FDR, newer
EIK, 1st flr. MBR & more set on a wooded lot a
few min. from schools, shops & transp.
WYN0687
Wayne 973-694-8000
POMPTON LAKES $429,000
Spacious rebuilt 4BR, 2.5 bath Colonial with
open feel, custom trim, MBR Ste, 2 walkin clos-
ets, Lemonade front & back porches, fenced
yard. WYN0467
Wayne 973-694-8000
KINNELON $1,895,000
Smoke Rise Waterside Oasis! 17 room sophis-
ticated casual elegance describes this home.
Mature, meticulous landscaping. KIN2127
Kinnelon/Smoke Rise 973-838-9300
KINNELON $2,399,000
Conveniently tucked away in heart of Kinnelon
on cul-de-sac rests incredible 12,000 sq. ft.
Estate with cutting edge amenities. KIN1152
Kinnelon/Smoke Rise 973-838-8400
WAYNE $529,900
Meticulous 4BR, 3.1 bath Townhome with up-
dated kit, Granite, breakfast room, HW flrs.
throughout, wo fin. Bsmt. & gar. in choice lo-
cation. WYN0616
Wayne 973-694-8000
WAYNE $439,900
3BR, 1.5 bath Ranch with Slate entry. DR/LR
combo with fplc. Wood flrs., FR with wall of win-
dows to lakeviews, updated kit., fenced yard &
garage. WYN0755
Wayne 973-694-8000
WAYNE $219,900
Immaculate & charming 3BR, 1.5 bath Ranch
with DR, LR, Great rm with wood burning stove
+ garage. WYN0831
Wayne 973-694-8000
WAYNE $529,900
Gracious 5BR, 2.5 bath Colonial with great open
floor, FR with fplc., beautiful rear yard with IG
pool & 2 car gar. Near all tranp. WYN0278
Wayne 973-694-8000
WAYNE $449,900
Large 6BR, 2.5 bath Colonial with sep. qtrs. &
private entrance, FR with fplc., HW flrs., newer
bath, 2 separate drives, gar. & MORE in a great
loc. WYN0160
Wayne 973-694-8000
WAYNE $895,000
Stately 5BR, 4.5 bath Colonial with Library ofc,
front/rear staircases, HW flrs., Centerisle kit.,
fin. Bsmt., full bath, IG pool on large property.
WYN0615
Wayne 973-694-8000
KINNELON $1,450,000
Secluded 6BRs, 5.2 home, 5 car garage, 5 fplcs,
IG Gunite pool with Spa, 2 Master Suites on
4.51 acres. KIN2156
Kinnelon/Smoke Rise 973-838-9300
KINNELON $1,500,000
Smoke Rise 5BRs, 5.1 Unique Custom home
with lake views, sprawling flr. Plan with special
features. KIN2208
Kinnelon/Smoke Rise 973-838-8400
KINNELON $1,600,000
Smoke Rise Lakefront luxury exquisite 6,000
sq. ft. Georgian Colonial on 3 acres in the pres-
tigious Smoke Rise Community. KIN9352
Kinnelon/Smoke Rise 973-838-8400
WANAQUE $499,940
New construction Wanaque Reserve 55+ com-
munity with 2119 sq. ft. living space (West-
brook) + impressive 20000 sq. ft. clubhouse
with activities! WYN0032
Wayne 973-694-8000
WAYNE $347,000
3BR, 2 bath Split on 1/3 acre level lot. NO
FLOOD! Fplc., wood flrs., CA, Bsmt. + gar. Lake
priv. walk to NY bus. Home warranty. WYN0226
Wayne 973-694-8000
WAYNE $479,000
Be ready for a surprise! 4BR, 4 bath Immaculate
Split with LR w/fplc., DR, kit., FR w/fplc., 2 car
gar & beautiful yard with IG pool. WYN0879
Wayne 973-694-8000
KINNELON $1,149,999
Fab. Smoke Rise Georgian Manor Ch Col. On
private Estate like setting, cul-de-sac. 1.68 acre
lot blocks to green acres. KIN9003
Kinnelon/Smoke Rise 973-838-8400
KINNELON $1,047,000
Gracious CH Colonial built in 95, 5BRs, 3.1
baths, 2-story Great Room, fplc., IG pool, 3 car
gar. on 1.54 acres. KIN2181
Kinnelon/Smoke Rise 973-838-9300
BLOOMINGDALE $199,900
Great 3BR, 1.5 bath Townhome in good condi-
tion overlooking pond & playground with nice
layout, 1st floor den & private deck. WYN0798
Wayne 973-694-8000
Determine your cost for college before looking at schools
continued from previous page
continued on page 24
tight, the answer should not
be deferring all payments on
all loans until after college is
completed. That just might
be a temporary deferment re-
sulting in a much bigger prob-
lem. By deferring, the
payments will be larger, so
you must be comfortable with
the students future career di-
rection and earning potential
to cover the larger payments.
Assessing the various loan op-
tions is a topic in itself.
Back to determining
how much you (specifically
the parents) should pay.
While it is a noble and pre-
ferred goal for most parents to
cover the majority of college
for their children, you must
determine in advance the im-
pact your college contribu-
tions will have on your own
retirement. The reality is
that most parents may have
fifteen to twenty years left of
high earnings potential, once
their children are out of col-
lege. If you continue to pay
off loans for college expenses
after your student has gradu-
ated, your time frame to bol-
ster your retirement becomes
even shorter. In addition,
should a parent get laid off or
is ever disabled for any period
of time, both college and re-
tirement may take a hit.
Before committing to a
contribution amount, parents
should do a detailed analysis
of what their retirement pic-
ture might look like, based on
their efforts to date and rea-
sonable projections into the
future. Many people fall prey
to seeing large dollar amounts
in their retirement plans and
thinking they will be fine
when their retirement day ar-
rives. Take the time to con-
firm what will probably be,
and dont rely on what you
think will be in retirement. If
you are not comfortable with
your retirement picture, you
may have to reduce your con-
tributions toward college.
The bottom line is that your
student will have their entire
working lifetime to address
loans, while you may have a
limited window to pay down
mortgages and bolster your re-
tirement before going on a
fixed income. Just remember,
at the time you might be run-
ning short of money in your
retirement, your children who
you have kindly helped
through college may be strug-
gling financially as they are
raising their own families.
Therefore, you cannot neces-
sarily count on them to pay
you back later in life.
In summary, families
need to determine their EFC
and their ability to pay as
early as possible. Determin-
ing this in an eleventh hour
reactionary mode typically
does not work out in anyones
favor. In essence, paying for
college may not be just a col-
lege problem; dont let it be-
come a retirement problem as
well.
Chuck Drawbaugh is president
of College Funding Associates
in Rumson, NJ. Chuck Draw-
baugh will be presenting a
FREE workshop on college fi-
nancial aid on Thursday, No-
vember 17th at 7:00pm at the
Wayne YMCA, One Pike
Ave, Wayne. If you have any
questions for Chuck or youd
like to register for the workshop
please call 732-224-1496 or
register on the website
www.collegefunding
associates.com.
ing, light machining, painting
and crafts for better results in
less time.
Storage, Safety & Stocking
Stuffers
ToughBuilt Mega, Proj-
ect, Universal, Utility and
Tape Measure Pouches range
from very large to small and
provide temporary storage for
tools in the interior pockets.
Each can be easily attached to
a belt if desired. For personal
comfort and safety, give your
workers a Woodcraft 22-
Pocket Apron, FastCap
MXV-Pocket Dust Masks
(N95 rating), and YGC Gen-
eral Utility Gloves (medium
to extra large). Stocking
stuffer ideas: WERA Kraft-
form Kompakt 26 7-in-1 Bay-
onet Screwdriver that
conceals six driver bits in the
handle and can be used with
cordless drill drivers via a
quick release locking chuck
and spinner stored in the
shaft, a Snappy 5-Piece
Countersinking Drill Set, a
Cutting Board Kit (milled do-
mestic and exotic hardwood
pieces), a Woodcraft Maga-
zine subscription and a Wood-
craft Gift Card.
To learn more about
these products and others,
visit your local Woodcraft
store, call (800) 535-4482 or
visit www. woodcraft.com
visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 24, Zone 2
MARIA FERRITO
GEMINI LLC ReaIty - 973-696-1111x131
197 Berdan Ave., Wayne, NJ
maria.ferrito@century21.com
NJAR MILLION DOLLAR SALES CLUB 2001
NJ CIRCLE OF EXCELLENCE 2002-2010
Consistent TOP PRODUCER
in the WAYNE area
973-986-6914 Cell
Townhome Specialist
Relocation Agent
Call
MARIA FERRITO
for CURRENT MARKET VALUE
OF YOUR HOME
WAYNE $715,900
Center Hall Colonial 5BR 4.5
BA home features a kitchen w/
new appliances, family room
w/ fireplace and new hardwood
floors, MBR w/ walk-in closet
and updated bath and finished
walk-out basement.
Gift ideas for the Home Care Specialists
continued from page 19
Determine your cost for college before looking at schools
To Advertise
Call 973-696-8008
continued from page 23
panostomy tube surgery and
found less than half of these
surgeries were appropriate.
Clearly, chronic or re-
current otitis media is a seri-
ous health problem for which
traditional medicine has lim-
ited answers. Faced with this
realization, many parents seek
alternative methods of treat-
ment, including chiropractic.
Indeed, drugless, non-surgical
treatment has great appeal,
and a growing body of re-
search is showing chiropractic
care can play an important
role in helping children with
chronic otitis media.
For example, a recent
paper published in Chiroprac-
tic Pediatrics documents four
cases of chronic otitis media
treated with chiropractic
care. The four patients de-
scribed range from 14 months
to seven years of age. Each
had chronic or recurrent oti-
tis media (usually with sinus
infections) ranging from one
to seven years. One patient
had 60% hearing loss in one
ear, and surgery was advo-
cated by the pediatrician. All
four patients had undergone
multiple regimen of antibi-
otics. Chiropractic examina-
tion revealed postural
distortions and evidence of
abnormal spinal alignment
and movement (subluxa-
tion), primarily in the cervi-
cal region.
Treatment was adminis-
tered to correct the postural
faults and improve spinal
function in the areas of sub-
luxation. At the time of the
report, all four patients had
been free of otitis media for
periods ranging from five
months to four years without
antibiotics or surgery. These
outcomes were verified by
parental reports, medical ex-
aminations, school atten-
dance data and hearing tests.
How can chiropractic
help chronic ear infections?
Many cases of recurrent otitis
media are thought to be the
result of blockage or restric-
tion of the small lymphatic
chains that drain fluid from
the middle ear. This blockage
forces fluid to build up in the
middle ear, creating an invit-
ing environment for bacteria
and viruses. The restriction
in fluid drainage is caused by
increased tension in the mus-
cles overlying the already
small lymphatic drainage sys-
tem in children. Research
has demonstrated that spinal
joint function effects muscle
tone. Therefore, abnormal
movement of the joints in the
neck or incorrect spinal posi-
tion may be responsible for
tightening the neck muscles,
restricting lymphatic drain-
age.
The fundamental goal of
chiropractic care is to restore
and maintain optimum spinal
function, meaning correct
spinal position and joint
movement. When a chiro-
practor evaluates a child suf-
fering from chronic otitis
media or any other health
complaint, posture, spinal po-
sition and motion, and mus-
cle tone and function are
thoroughly assessed. If abnor-
malities are detected, the chi-
ropractor may use gentle
spinal adjustments and mus-
cle release techniques to help
restore normal spinal and
muscle function, enabling
proper lymphatic drainage to
resume. So when your child
suffers from recurring inner
ear infections that do not re-
spond satisfactorily to med-
ical care, think laterally!
Alternative approaches may
provide the solutions you are
looking for.
Drs. Glenn and Christine Foss
are the owners of Advance
Sports Medicine and Physical
Therapy Center in Riverdale.
Both doctors have been practic-
ing chiropractic for over thir-
teen years and have been
amongst the communities lead-
ing health care providers. As
innovators in health care, they
have merged chiropractic and
physical therapy services to-
gether to enhance the quality of
patient care and overall treat-
ment outcome. If you have
any questions for either of the
doctors or would like to sched-
ule a consultation please call
973-616-4555.
visit our website at www.lifeandleisurenj.com
November 2, 2011 Zone 2, Page 25
BOONTON TWP $300,000
Spacious 4 bedrm home on just under an acre!
Mountain Lakes Schools, Great location! Needs a
bit of TLC.
BOONTON TWP $499,000
5 bedroom, 3 bath center hall colonial on just
under an acre. Central A/C 2 car garage
BOONTON TWP $800,000
Horse Lovers! 3 bedrm 2 bath home on 7 private
acres w/6 car garage on private road.
MONTVILLE $300,000
Brick 1 fam on over an acre! Ideal for renovation or
build new home on property! 5 bedrms, 4 baths.
NEEDS WORK!
MONTVILLE $299,900
Terrific Starter or Tear down on 2 acres with 2 car
garage.
MONTVILLE $279,000
3 bedrm, 1 bath Colonial on acre. Spacious,
hardwood floors. Short Sale!
MONTVILLE $399,900
3 bedrm Tudor on acre. 2 half baths, fireplace,
garage.
MONTVILLE $429,000
3 bedrm, 2 bath ranch on over acre. Renovated
last year, 2 car garage.
HARDING TOWNSHIP $1,275,000
Visually stunning! Liv Rm Formal Din Rm & Li-
brary. Kit. w/Ci , Top of the Line Cabintery & Appl.
Master Bdrm Suite w/Master Bth. 2nd Level w/ 2
Bdrms & Full Bth. 2 car garage
MONTVILLE $529,000
Split level w/spectacular views, about acre Lake
Valhalla! 4 bedrms, 2 baths, fam room.
MONTVILLE $560,000
Cape code on 1 acre. Value in Land, home may
be worth renovation.
MONTVILLE $624,900
There is a lovely home behind those trees! 4
bedrms, 2 baths on about an acre. 2 fireplaces,
one in large family room! Floor to ceiling windows.
MONTVILLE $750,000
Wonderful 1 fam in Orchard Estates on over
acre. 5 bedrms, 3 baths, 2 car garage.
MONTVILLE $999,900
Wow! 5 bedrms, 5 walk in closets, 4 bath, in brand
new central hall colonial on about a acre! 3 heat
& a/c units.
MONTVILLE $1,225,000
Exquisite 7,500 sq ft contemporary w/6 bedrms &
4 baths. Approx of manicured acre, numerous
decks, stone fireplace, lots of amenities!
MONTVILLE $1,377,000
Breathtaking English Manor in a fine neighborhood
w/3 car garage. Gourmet kitchen w/center island, 5
bedrms, 5 baths, luxurious master suite!
NORTH CALDWELL $850,000
Center Hall colonial on a great street with many
upgrades! 5 bedrms, 2 baths, on almost acre.
MONTVILLE $1,000,000
Sprawling 5 bedrm, 5 bath Colonial on about 4
acres, 4 car garage and more amenities than we
can list here. Highly coveted location
U
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Recurrent ear infections in children
continued from page 8
To Advertise
Call 973-696-8008
Feature Your
Listing in Our ReaI
Estate Section
CALL
973-696-8008
OnIy
$125
UNLOCK YOUR SELLING
POTENTIAL WITH
LIFE & LEISURE
100% MaiIed
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visit our website at www.lifeandleisurenj.com
November 2, 2011 Page 26, Zone 2
SERVICE DIRECTORY & CLASSIFIEDS
0051
AUTOMOBILES
WANTED
WE BUY CARS !
WE BUY TRUCKS !
RONNIE'S IN
WAYNE
973-616-7900
WE PAY FOR
JUNK CARS
973-220-0202
0140 CHRISTMAS
HO HO HO HO HO
Christmas Season is
coming soon. Have a
visit from Santa at a
House or Office Party.
30 years experience.
CaII Santa AI !
973-246-6193
HELP WANTED
0280 - 0329
0305 HELP
WANTED OFFICE
Front Desk Position
for a healthy & active
Dr's office in Wayne.
Full Time position.
Computer Skills nec.
Organized, motivated,
great communication
skills. Fax Resume
to 973-628-1876 or
CaII 973-628-1870
0310 HELP
WANTED SALES
Career Opportunity
Real Estate.
Century 21 Gemini
LLC Realty
Call for details at
973-696-1111
Ask for Debbie
ext.116
RENT
0550 - 0609
0585 RENT
OFFICES
WAYNE Office space
available, we'll create
the size office to fit
your needs, very flex
monetary & rental in-
centives. near Rts 46,
23 & 80. Please Call
973-785-4341
SERVICES
0610 - 0959
0651 SERVICES
CABINETRY
0655 SERVICES
CARPET
G&S Carpet
CIeaning
& FIoor Service
ResidentiaI
& CommerciaI
973-839-6436
0656 SERVICES
CARPET/
FLOORING
0685 SERVICES
CLEANING
Best CIeaning Ser.
FREE ESTMATES
for office,apt,house
caII BARBARA
973-779-1546
Mariya's CIeaning
Service
Ukranian ladies clean
your home or office to
your complete
satisfaction. Exper.
Refs Avail
CaII 973-557-3621
0686 CLEANOUT
SERVICE
All appliances,
unwanted junk, scrap
metal, bldg. materials.
Tear down & take
away sheds. Attics &
Bs'mnt cleaned.
Things your
garbagemen wont
pick up.
WE DO !!! CALL
973-838-9546
Dan's Light HauIing
Removal of house-
hold & Construction
Debris Demolition -
Free Est.
973-839-7024
0709 SERVICES
DECKS/
FLOORING
0725 SERVICES
DRIVEWAYS
0730 SERVICES
ELECTRICAL
0769 SERVICES
GARAGE DOORS
0774 SERVICES
HANDYMAN
0785 SER. HOME
IMPROVEMENT
Just Wood
Floors & Decks
973.981.4640
Since 1985 Insured
Free Estimates
Refinishing Sanding Deck Repairs
Installation Mold Treatment
0686 CLEANOUT
SERVICE
MIKE'S HOME
MAINTENANCE
Garage Doors and
Openers Serviced,
Repaired, nstalled.
"No Job Too Small
Registered & nsured
Call 973-882-3852
CMR SERVICES
973-703-3039
Cleanouts &
Dumpster Services
Fully Insured NJ Lic #A901
FREE ESTIMATE
Estates Abandoned Prop
Storefronts Basements
Whole House Attics
Regain Valuable Storage!
We dispose unwanteditems inan
environmentally safe way.
10% OFF
withthis ad
0473 WANTED ANTIQUE/COLLECTIBLES
To Advertise
CaII KathIeen
973-696-8008
0651 SERVICES
CABINETRY
0656 SERVICES
CARPET/
FLOORING
Handy Work
By Lucas
Maintenance
Repairs
Power Washing
Carpentry
Bathrooms &
Masonry
No Job Too Small
30 Years Experience
973-800-6849
TOMS HANDYMAN
SERVICE
Malntenance Realr
Bulldlng Remedellng
No 1ob Too 5mall or Blg!
25 Years xperlence
973-632-6411
HOME
IMPROVEMENT
SERVICES
Maintenance, Repairs,
Interior/Exterior
Carpentry, Bathrooms,
Kitchens, Finished
Basements, Windows
& Doors, Decks...
Fully Insured
N.J. Reg. # 13VH01381900
LC.#13VH01757100
0785 SER. HOME
IMPROVEMENT
0827 SERVICES
PAINTING
The Original
Georges Painting
Interior and Exterior
Painting
Home Improvements
Free Estimates Fully Insured
973-628-9143
Established 1986
Yen's Pet Sitting Services
In Home Boarding, Pet Sitting & Doggie
Daycare, DogwaIking
Yenspetsittingservices.com
201-575-9997
0838 SERVICE PET SITTING
Community Happenings
Gardens. Location: The Montville
Township Senior House, 356 Route 202,
Montville, NJ 07045. 6:30 p.m. Refresh-
ments Served - 7:00 p.m. Program. A
Morris County Master Gardener, Bills
program gives an overview of public gar-
dens from pocket size to multi-acre arbore-
tums within a short driving distance from
home. For additional information on our
Club/Events, please call 973-849-8288.
Montville/Valhalla Garden Club, P.O.
Box 140, Montville, New Jersey 07045-
0140 www.montvillevalhallagarden
club.com
Around the
Community
The G.F.W.C. Montville Township
Womens Club will be sponsoring a spe-
cial collection for our service men &
women in N.J. Veterans Homes. A few of
the new clothing articles needed are
sweatshirts (L TO 3XL); sweatpants (L
TO 3XL); tee shirts (M TO 3XL); baseball
cap with adjustable bands; socks with non-
skid bottoms or crew socks without elastic.
Clothing items can be dropped off at our
red boxes. Additional requested items
are listed on our red boxes which are lo-
cated at Senior House, Lakeland Bank,
Town Hall, Little Learners Academy,
Montville Library, Board of Education, all
in Montville; Red Barn Restaurant, Bliss
Salon, Boiling Springs Savings Bank and
Farmbrook Realty in Towaco; Union Cen-
ter Bank and Model A Fitness in Boonton;
Fine Arts Connection in Pine Brook; and
Happy Chef in Butler. Monetary dona-
tions accepted, make checks payable to
MTWC & mail to Montville Womens
Club, P.O. Box 267, Montville, NJ 07045.
For additional information call Alexandria
(973-405-0088).
Commencing April, Year 2012, GFWC-
Montville Township Womens Club has
an ongoing project for comfort pillows
for breast cancer patients. Weve made
and donated 6,580 pillows to date. All
pillows are contributed to Morristown Me-
morial, Chilton Memorial in Pompton
Plains and Saint Clares in Denville and
Dover. A team of club members, seniors
and volunteers from surrounding cities
participate in this worthy project. The
last few years even heart surgery patients
have found use for the comfort pillows.
The pillow is completely washable and
may be used under the seat belt after sur-
gery as well. Chairperson Alexandria
Sarra may be reached at (973) 405-0088.
All monetary donations will be used to
purchase polyfill for pillows and should be
made payable to: MTWC indicating on
check Comfort Pillow. Please mail to
P.O. Box 267, Montville, N.J. 07045.
continued from previous page
Dr. Ramtin Kassir has extensive experience in the fields of facial plastic and cosmetic surgery, endoscopic sinus surgery and laser surgery.
He is double board certified in Facial Plastic and Reconstructive Surgery and Otolaryngology/Head & Neck Surgery and is a fellow of the American College of Surgeons.
Dr. Kassir discusses
innovative laser lipo
on Fox business
news and Bravo
In the media:
1176 Hamburg Tpke Wayne, NJ
973-692-9300
799 Park Ave New York, NY
212-288-3000
81 N. Maple Ave Ridgewood, NJ
201-857-2370
www. dr kas s i r. com
As Seen On
Lip Augmentation
BOTOX
Injections
Dysport
Restylane
Perlane
Radiesse
Ulthera
Bella Contour
Juvederm
Liquid Facelift
Sculptra
Fat Transfer
Latisse
Microdermabrasion
Fractional Laser
Laser Skin Resurfacing
Laser Lipo
Lasertight
Fraxel
Pearl
Reveal
Skin Analysis
Laser Hair Removal
Laser Peels
(Photo Facial)
Laser Facial Veins
Laser Leg Veins
Laser Tattoo Removal
Hair Transplants
Facelift
Band Aid Lift
K-Lift
Rhinoplasty
Forehead Lift
Eyelid Surgery
Facial Liposuction
Chin Augmentation
Ear Surgery
Featured on the
Real Housewives
of New Jersey
SURGICAL
PROCEDURES
NON-SURGICAL
PROCEDURES
Care Credit offers special nancing and low monthly payment options. Get what you want, when you want it! Call the ofce for details.
A
s a New York & New Jersey Double
Board Certified Facial Plastic Surgeon, I
see people from all over the world who
desire a tighter neck and jaw line. A more sculpted
appearance to the neck and jaw line is a common
desire from both men and women from around the
globe and this is a trait that equates to beauty in
every culture.
The new K- Lift