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all it a sign of the
times or just plain
good luck for those
of us yearning to swap fast
food fare for some tasty home
cooking. Potluck gatherings
are back and one of this year's
hottest trends in entertaining.
Although these commu-
nal "luck of the pot" meals
(where everyone brings their
favorite dish) hearken back to
the late 19th century, they
found their footing in the
mid-1950's when it seemed
like every mom in the neigh-
borhood was filling casserole
dishes for church socials and
family get-togethers.
"There are three primary
reasons driving the return of
potluck -- our schedules, the
economy and childhood
memories," says Chef Jeff
Gillis, www.Celebrating
Home.com. "We live such
fast-paced lives that divvying
up the cooking makes home
entertaining more realistic
than putting all of the burden
on the hostess. Making one
dish instead of several also
helps stretch the budget --
something we're all looking to
do these days. And, let's face
it -- after years of dashing
through the drive-thru,
wouldn't you like to sit down
to some home-cooked food,
even if it's only once a week?"
Got potluck fever but
not a clue what to do? Here
are four tips that'll make your
next gathering both tasty and
stylish, plus, a family-fave
recipe that'll put your home
on the map as potluck heav-
en.
Organize Participants
Divide the meal by cate-
gories so guests will have a
balance of appetizers, entrees,
sides and desserts from which
to choose. Cooks needn't
commit to a specific recipe
but it's helpful to know up-
front that a well-rounded
meal is in the making.
Agree on Advance Prep
All dishes should be
cooked prior to arrival so only
a quick re-heating is required.
Everything should also hit
your doorstep ready for pres-
entation to avoid last minute
searches for serving bowls and
platters.
Choose Easy-Fix, Crowd-
Pleasing Recipes
To appeal to guests vary-
ing tastes, save the exotic for
later and dust off mom's (or
grandma's) cookbook. Tra-
ditional potluck dishes like
casseroles, chili, soup, bread,
and cakes are always popular
visit our website at www.lifeandleisurenj.com
February 22, 2012 Zone 3, Page 21
Coupon must be presented before ordering. Maximum 2 coupons per table. Not valid for
parties of 8 or more. Not valid with other offers. Excludes beverage and tax.
All coupons good for two meals. NOT VALID ON HOLIDAYS. Expires 3/21/12
*
Coupon must be presented before ordering. Maxi-
mum 2 coupons per table. Not valid for parties
of 8 or more. Not valid with other offers. Excludes
tax. NOT VALID ON HOLIDAYS. Expires 3/21/12
*
Shrimp Scampi or Francaise
over Linguine, Veal, Chicken,
Shrimp or Eggplant
Parmigiana w/Linguine,
Chicken or Sole Francaise
w/Potato, Meat Loaf
w/Mashed Potatoes, Fried
Shrimp w/French Fries
***Soup or Salad***
With the purchase
of a beverage.
MONDAY - THURSDAY
$10.99
LUNCH SPECIAL
6 Choices for
ALL DAY
SPECIAL
1. Grilled Chicken or Shrimp Caesar Salad
2. Eggplant Parmigiana Platter or Hero
3. Chicken or Shrimp Scampi over Pasta
4. Chicken, Shrimp or Sole Francaise with Vegetable
5. Meatloaf with Mashed Potatoes
6. Fried Shrimp & French Fries
7. Fish & Chips
CANNOT COMBINE WITH LOBSTER OFFER. Coupon must be presented before ordering. Maximum 1 coupon per table.
Not valid for parties of 8 or more. NOT VALID ON HOLIDAYS. Not valid with other offers. Excludes tax. Expires 3/21/12
RESTAURANT
*
MONDAY - SATURDAY
MONDAY - SATURDAY
With the purchase
of a beverage.
STEAKSCHICKENSEAFOOD PASTAKIDS MENU
710 NEWARK POMPTON TURNPIKE , POMPTON PLAINS
973-835-1426 www.gillysrestaurant.com
BUY 1 ENTREE - GET 1 FREE*!
TUESDAY ALL DAY
*CASH ONLY. NOT VALID ON HOLIDAYS. Of equal or lesser value. Not valid with other offers. Excludes tax.
Cannot be combined with any other offers. One offer per table. Must present coupon. Valid with purchase of beverage.
, ABR
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February 22, 2012 Zone 3, Page 27
and easy to make.
Dress Up the Table
Remember the special table-
cloth mom used for Sunday dinner?
Create some memories for your own
family with a pretty fabric table-
cloth, cloth napkins (pretty and eco-
friendly!) and some candles. A few
minutes is all it takes to create a fes-
tive look that'll make guests feel
honored to have gathered around
your table.
Ingredients:
1 pound round steak, cut
into bite-sized pieces
1 large yellow onion,
roughly chopped
2 tablespoons olive oil
4 cloves garlic, chopped
fine
1 can (14.5 ounces) diced
tomatoes
6 cups beef broth (or stock)
1
1
2 teaspoons dried thyme
3 bay leaves
2 cups potatoes, cubed
1 cup celery, diced
1 cup carrots, diced
Salt and pepper to taste
Directions:
Rub steak with olive oil and
coat with salt and pepper.
Let steak sit at room temperature in
bean pot while preparing all other
vegetables. Chop and dice every-
thing, then add to bean pot. Add
beef broth (or stock), thyme, bay
leaves, diced tomatoes and salt and
pepper. Cover and bake in 375 F
oven for 3 to 4 hours until meat is
tender.
*Recipe courtesy of www.Cele-
bratingHome.com
Potluck's back -- let's eat!
continued from page 21
the abhorrent future price of college,
the 529 plan created a vehicle to
accumulate wealth for that purpose.
The problem is, the success you will
enjoy in the plan will hurt or hinder
the availability for financial aid pack-
ages available to you for college when
the girls apply. 529 assets are part of
the EFC, Expected Family
Contribution. There is a better way
that will accomplish the goal of accu-
mulating capital for college and at the
same time, maximize your aid eligibil-
ity, in other words, have your cake
and eat it to. Interestingly, the solu-
tion ties into your second question,
ample life insurance coverage for you
and your spouse. To elaborate, I will
need a bit more information. In this
way I can do some work for you and
create some fascinating proposals and
illustrations that will completely sat-
isfy all of your requirements.
The answer for Carolyn lies in
the proper life insurance for her and
her husband. Interestingly, life insur-
ance cash values are not factored in
the EFC formula; yet, their cash value
may be accessed for college tuition
needs, tax-free, if removed from the
policy properly. Further, the cash
value accumulations may be linked to
a stock market index like the S+P 500
where, by formula, can only grow
without the possibility of negative
returns from crashes and corrections.
Therefore, Carolyn and her husband
can use the same money to provide
for the proper life insurance protec-
tion today, a supplemental tuition
reimbursement plan in 13 and 15
years respectively and ultimately a
tax-advantaged retirement plan at
their age 67, to complement their
Social Security benefits all at the
same time! Thank you Carolyn for
your question, additional information
is already on its way to you.
Our next question comes from
Bruce M, a high school teacher in
Wayne:
Dear Mark: Why would a person
ever have a Variable Annuity inside a
403(b)? As someone who deals in
annuities I am hoping you will have
an interesting take on this issue.
Thanks, Bruce
Dear Bruce: Your question is an
excellent one and interesting at the
same time, the 403(b) industry was
devoted exclusively to variable annu-
ities in the beginning of their intro-
duction to the investment communi-
ty for those people looking for equi-
ties (stocks or stock mutual fund like
alternatives). The biggest difference
with a variable annuity is the death
benefit feature that protected the
value from market losses at the death
of the annuitant. Another name for a
403(b) is a tax-sheltered annuity or
TSA. TSAs are available to teachers
as well as hospital workers and not for
profit organizations as their retire-
ment plan of preference and all annu-
ity types are available as a TSA to
include traditional fixed, fixed
indexed and variable annuities.
Bruce, I believe your underlying
question is: Is their value in rolling
over or transferring an employer
sponsored 403(b) into an IRA vari-
able annuity where they both provide
income tax-deferral anyway?
The answer is absolutely yes! In
addition to a death benefit VAs also
offer a living benefit rider (LBR).
This feature, unavailable in most
TSA versions, would provide imme-
diate upgrades and incentives for the
participant. With different nuances
from each issuing carrier and product,
its important to check the fine print
to secure the best benefits in line with
the purchasers individual goals and
objectives. The finest LBRs share in
common, a lifetime income guarantee
for single or joint annuitants, a step-
up mechanism to lock in performance
gains if any and an annually increas-
ing roll-up feature that will
increase your income base in periods
of declining or negative market per-
formance. Most school sponsored
403(b)s do not offer living benefit
riders which is truly a shame! It
would be my pleasure to demonstrate
to you and your fellow teachers the
variable annuities I feel offer the best
combination of benefits and value.
Bruce, just email me or call, better
yet, come on over as I never charge
for a consultation and my kids would
like to see one of their favorite former
teachers. All annuities are not creat-
ed equally nor are 403(b)s for that
matter; therefore they should be stud-
ied carefully before making any
exchanges or cancellations.
Readers, please continue to
send me your financial questions.
Every question will get my personal
response even if it doesnt make it to
this page. Thank you all for your
participation and the opportunity to
be of service. Maybe, next issue will
be your chance to see your name and
question in print!
Mark E. Charnet is President and
Founder of American Prosperity
Group. APG is the Premier Retire-
ment and Estate Planning Franchise in
the United States with 16 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 inquiries and
can be reached at: 877-885-1APG
(1274) or 973-831-4424 or via email,
markcharnet@1APG.com Check out
our website: www.1APG.com Inter-
ested in a career in retirement and es-
tate planning? Check out this website:
www.APGFranchise.com Securities
through: BCG Securities, Inc. Mem-
ber SIPC, FINRA and a Registered
Investment Advisor.
Charnet answers financial questions
continued from page 5
Cindy Gallagher
A Few of Cindys Listings...For a private tour of these houses
call Cindy 973-714-3897 cell
A Aative Of Kinnelon
#1 1op Producer
Relocation Specialist
Circle Of Excellence
Premier Sales Agent
Preview Property Specialist
2010 Coldwell Banker Real Estate LLC. Coldwell Banker
is a registered trademark oI Coldwell Banker LLC. An Equal Opportunity Company. Equal Housing Opportunity. Owned and Operated by NRT LLC. RESIDENTIAL BROKERAGE
A FEW OF CINDYS RECENT SOLDS
Kinnelon $849,900
"For the buyer who appreciates quality+ fine wood work".
Fabulous custom 5 bedroom 3 full bath expanded ranch with
custom solid doors and custom woodwork throughout. The
living room/gathering room offers imported black slate
flooring,radiant heat,a built in coffee bar and a custom hick-
ory cabinetry unit. A media room / office or in - law suite
with a separate entrance. A beautiful kitchen with a sub zero
refrigerator, large breakfast bar open to the dining room
and great room with a beautiful stone fireplace. The garage
offers custom cedar garage doors, epoxy floors, separate
gas heat, central air and stereo system. This house has a
back up generator for your convenience, a lawn sprinkler
system, outdoor lighting and a custom water feature with a
water fall. GSMLS# 2911268
Kinnelon $550,000
Wonderful Colonial Tudor home offers 4 bedrooms and 2
and 1/2 baths. Pride of ownership throughout. Eat in
kitchen open to the family room with a brick fireplace and
a pellet stove insert.Sliding glass doors to the large deck
overlooking level back yard. A formal living room and din-
ing room with hardwood floors. A main level 2 car garage,
powder room and laundry room. The second level offers a
very spacious Master Bedroom Suite with 2 walk in closets,
a large sitting room or office, a updated master Bathroom.
Three additional Bedrooms and a updated main Bath. A
finished lower level on 1.01 acres in the Prestigious Sawmill
Manor Estates. GSMLS# 2915794
Call Cindy at 973-714-3897 cell
www.KinnelonRealty.com
Coldwell Banker Kinnelon/Smoke Rise
1450 Rt23 North, Butler, N1 07405
Office 973-838-9300 x244
55 KIEL AVENUE, KINNELON
26 CABOT LANE, KINNELON (I Listed and Sold)
8 STEVENS AVE., KINNELON
9 SYCAMORE TRAIL, KINNELON
11 HONEYSUCKLE LANE, KINNELON
18 CUTLASS RD, KINNELON
6 DERRYGALLY CIRCLE, KINNELON
102 FAYSON LAKES RD, KINNELON
4 LAKESIDE TRAIL, KINNELON
17 CARL PLACE, KINNELON (I Listed and Sold)
787 WEST SHORE DR., KINNELON/SMOKE RISE
Kinnelon/Smoke Rise Land $550,000
The most beautiful level property with wonderful landscap-
ing in Smoke Rise, a very prestigious gated million dollar
community. Build your dream home. Close to north gate for
easy access. Bring your own builder or we have a builder.
In-ground pool and pool house on the property. Enjoy swim-
ming, boating, sailing, fishing, tennis, horseback riding and
fun activities all year round. Kinnelon has a top rated school
system and is only 35 miles from NYC. Gsmls# 2744081
Kinnelon $875,000
Look no further, this is the magnificent house everyone
admires! Turn-key you only need to unpack and then
relax!! The landscaping is so lush and beautiful! A custom
home built in 2006 features 5 bedrooms and 3 and 1/2
baths. A large eat-in-kitchen with maple cabinets and gran-
ite countertops, chef style gas range, a center island, and a
large dining area. Open to the family room with a stone
fireplace. A game room/office, a formal dining room & a
living room, the master bedroom suite offers a gas fireplace
and the master bathroom with a double sink vanity and
granite, a jacuzzi tub and a large stall shower. Large Trex
type deck off kitchen, central vac, hardwood floors on the
1st and 2nd levels, lawn sprinklers and ground lighting,
security alarm system. For your most discerning buyer!
GSMLS# 2884055
Kinnelon $999,000
Elegance and comfort abound in this impeccably appointed
custom Center Hall Colonial, many updates throughout this
home. Four bedrooms, four and one half bathrooms. Turn-
key formal living room, formal dining room a two story
great room with a stone fireplace. A fabulous eat in kitchen
with cherry cabinets and granite countertops, and all top of
the line stainless appliances. Hardwood floors on both the
first and seconds levels. The master bedroom suite offers a
sitting area with a gas fireplace and a large walk in closet.
A master bathroom with cherry cabinets, a granite double
sink vanity and a jacuzzi tub. A finished walk out lower level
with a kitchenette, recreation room, den and a full bath. A
beautiful heated in-ground pool and level back yard. 3 car
main level garage. You will love this home. GSMLS#
2889022
Kinnelon/Smoke Rise $549,900
New septic just installed! Beautiful custom CH Col. 4 BRs & 2
1/2 baths in the spectacular 24 hour gated community of
Smoke Rise. Many updates throughout. A spac. kit. with gran-
ite counter tops and dining area French drs to a deck over-
looking the beautiful level yard. The Fla rm with the brick frpl
is great for entertaining. DR, LR, office & laundry rm, complete
the main level. 2nd level offers the master bdrm suite with a
walk in closet and a M/bath with a double sink vanity. Also 3
addl bdrms & another full bath. The lower level is perfect for
a 2nd office and a rec rm area. A main level 2 car gar on
1.03 acres. Close to East gate for easy access. Enjoy swim-
ming, boating, fishing, tennis and horseback riding. Kinnelon
offers top rated schools only 35 miles from NYC.GSMLs#
2861528
Kinnelon/Fayson Lakes $650,000
Wow! Beautiful lake front in Fayson Lakes. "A rare find".
Spectacular 5 bedroom 3 full bath home on a level lot with
magnificent lake views of south lake. Enjoy fishing, boating,
sailing & ice skating from your own back yard. Large spa-
cious rooms throughout. Views of the lake from most of the
rooms. Eat in kitchen, living room, dining room and master
bedroom all have lake views. Upstairs offers a bedroom, liv-
ing room, kitchenette, and a full bathroom. The walk out
lower level offers a bedroom, kitchenette, recreation room,
a full bath and an office with lake views. "Perfect for an
inlaw suite". Close to main beach for swimming and fun
activities. GSMLS#: 2900268
Kinnelon/Fayson Lakes $299,000
Charm & character throughout this wonderful custom home
at the end of the cul-de-sac in Fayson Lakes close to the main
beach. A living room w/ fireplace & hrdwdflrs + large din-
ing room kitchen with separate dining area. 4 bedrooms, 2
full baths, large deck. Backs up to the woods for privacy.
Enjoy swimming, boating, fishing, and tennis in this fabulous
lake community. (Short Sale). Close to shopping and major
highways. Kinnelon offers a top rated school system and is
only 35 miles from NYC. GSMLS# 2851816
If you are considering a move, give me a call and I will guide you every step of the way.
Cell 973-714-3897. The Realtor you choose makes a BIG difference. Put my negotiation skills to work for you!!
Kinnelon $650,000
Fabulous turn-key Center Hall Colonial, you will fall in
love with this home. Pride of ownership! Offers 4 bedrooms
3 & 1/2 baths, a large eat in kitchen w/cherry cabinets,
granite counter tops. The kitchen is open to the family room
for entertaining. A formal dining room and formal living
room with a fireplace, hardwood floors, and crown mold-
ings. Laundry and 2 car main level garage. The second level
has a very spacious master bedroom suite with 2 walk in
closets, a luxurious master bathroom and an office/sitting
area. 3 additional bedrooms and a full bath. Finished walk
out lower level is perfect for an in-law suite, with a kit., liv-
ing room, bedroom and a full bath. Situated on 1.18 acres
with a fenced in back yard and a above ground pool, paver
walkway, newer-AC, windows, roof, deck & driveway.
GSMLs# 2893310
Kinnelon/Smoke Rise $899,000
MOVE IN READY!!! Exquisite New Construction Built with the
Finest Quality. This home features 4 bedroom, 3 and 1/2
baths and is unparalleled in every detail and amenity.
Exceptional in every way, with formal Entertaining spaces
with Informal Comfort. Main level garage for your conven-
ience. Gourmet Eat In Kitchen with Cherry cabinets,Granite
counter tops, center island,stainless steel appliances. Beautiful
tile work through out the house. Hardwood floors on the first
& second levels.A very large Master Bedroom suite with a
work out room or office or nursery, two walk in closets. A
Luxurious Master Bathroom with a jacuzzi Tub,large shower
stall and a Granite + Cherry double sink vanity. Enjoy
Swimming, boating, fishing, tennis and horseback riding in
this premier gated community. Top rated school system!!
GSMLS# 2916932
Visit www.KinnelonRealty.com For All Local Listings
R
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Kinnelon Ridge $1,650 monthly
Wonderful light and bright 55+ condo. Featuring 5
rooms, 2 bedrooms and 2 full bathrooms and washer
& dryer in the unit. Kinnelon Heights community
includes club house and exercise room. Close to shop-
ping and major highways 23, 287, 46 & 80. Includes
a 1 car garage.
Kinnelon/Grandview $1,375,000
A dream come true, this elegant home with 5 bedrooms and
4 and 1/2 baths is absolutely stunning! Professionally dec-
orated. All you need to do is unpack and relax by the heat-
ed in ground pool. Nestled at the end of a quiet cul-de-sac,
with seasonal views of the reservoir. Exquisite architectural
detail with a open floor plan for entertaining. Spacious eat
in kitchen with cherry, granite and stainless steel appliances.
A 2 story great room with a gas frpl and walls of glass. A
formal dining room, a formal living room, a conservatory, a
office and a spectacular inlaw suite with a bedroom, a liv-
ing room, and a full bath. The luxurious master bedroom
suite offers a sitting area, a vanity area, walk in closet and
a master bath with two vanities, a jacuzzi tub and stall
shower. A w/o basement with sliding glass doors. GSMLS#
2861508
L
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OVER 25 YEARS
EXPERIENCE IN SALES
& MARKETING
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