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Sewell/Grenloch
CEL
RATIN EB
mu
19
nity
Ser
Open 7 Days
CLEMENTON
856-783-8888
856-889-1168
center
www.mainstage.org
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856-881-6911 800-343-9311
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FEATURING OUR FAMOUS 18" HOAGIES & CHEESE STEAKS O R I G I N A L I TA L I A N V I L L AG E . C O M TRY OUR
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200 N. Black Horse Pike, Williamstown, NJ 08094
HOURS: MON.-FRI. 9am-5pm and Evenings Call for Appointment
Jurgen Moore, New Jersey Supervising License #961
Each
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(Ask for details) Ends 6/14/13
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ADVERTISEMENT
What is Bankruptcy? A person may be in a financial situation caused by a health condition, loss of a job or some other type of circumstance which affects their ability to pay their bills. Many people will seek help from friends and family. Many will read about Debt Management and working with creditors to regain control of their financial situation. Some have heard about Bankruptcy and want to have an understanding of how that procedure works. The Bankruptcy laws were designed to repay creditors in an orderly manner to the extent the Debtor has assets available for payment. For most consumers, there are two types of bankruptcies. These are referred to by their chapters -Chapter 7 and Chapter 13. To better understand the two Chapters, one must first have an understanding of the different classes of creditors. Secured creditors include mortgage companies, car lenders and sometimes the IRS. Unsecured creditors include a loan with no collateral such as a credit card lender. Chapter 7 bankruptcy is known as liquidation. In 2005, Congress amended the bankruptcy laws. One of the major changes was the creation of the means test to prevent wealthy debtors from abusing the bankruptcy laws. The means test is based on household size and income as compared to the state's median income. A person who does not qualify under the means test to file Chapter 7 may have to consider Chapter 13. Assuming a person qualifies for Chapter 7 and is represented by an attorney, their attorney will ask them to list all their assets and all their debt. A person cannot pick and choose what they wish to disclose they must disclose everything they own and everyone they owe money to. In most instances, the biggest asset is the home. The attorney will obtain an appraisal or a Comparative Market Analysis of the home to determine its value. The attorney will then perform a liquidation analysis of the home by deducting the mortgage payoffs and the value of any unpaid real estate tax liens from the value of the home. Then, he or she will apply the current Federal Exemption against any remaining net equity. In 2009, under 11 U.S.C. 522(d)(1), a husband and wife who are both named on the Deed can exempt up to $40,400 of net equity. This same analysis is then made for each asset a Debtor owns and a similar exemption, if
available, is applied to save that asset. If there are any assets which are not exempt, the attorney will explain how such non-exempt assets will be treated in a Chapter 7. Based on the results, the attorney may advise the Debtor to file a 13. If a 7 is completed successfully, the Debtor will receive a discharge of all unsecured debt. What if the Debtor is behind on their mortgage and a foreclosure is either pending or on the horizon? If the Debtor is unable to work out a modification of their loan or any type of agreement with their mortgage company, they cannot file a 7 and still keep their home. The Debtor then looks to Chapter 13, often referred to as Repayment. Under this Chapter, the Attorney will review the Debtors income and expense budgets to prepare a Chapter 13 Plan which will then be proposed to the Court for repayment to creditors. In the mortgage example, a Chapter 13 Plan will propose repayment of the Debtors mortgage and possibly a certain percentage to their unsecured creditors. Based on each Debtors particular facts, a Plan might propose repayment to secured creditors only with little or no dividends to unsecured creditors. The Chapter 13 Plan will be anywhere from 3 years to 5 years, depending on each Debtors particular situation, with monthly payments made to the Chapter 13 Trustee. At the end of that period, if the Debtor has successfully completed their Plan, they will receive a discharge. Regardless of what Chapter a Debtor has filed, the decision to file bankruptcy is a serious choice. It is a remedy that may affect their credit and may affect their ability to use the bankruptcy code at a future time. A person who has considered a bankruptcy should be sure to discuss the advantages and disadvantages of bankruptcy with his or her attorney. ABOUT THE AUTHOR: William A. Nash, Esquire, is licensed to practice law in the State of New Jersey. His office is located at 1001 Melrose Avenue, Suite A, Blackwood, New Jersey. Mr. Nash graduated from Rutgers University with Highest Honors and received his Juris Doctorate from Villanova University School of Law. He served as a Judicial Law Clerk at the New Jersey Superior Court in Gloucester County. He is the managing partner of Nash Law Firm, LLC, in Blackwood, New Jersey. More information about Mr. Nash is available at www.thenashlawfirm.com. Mr. Nash can be reached via telephone at (856) 228-2206 or via email at wnash@thenashlawfirm.com Copyright 2009 Nash Law Firm LLC.
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649 Berlin Cross Keys Road Sicklerville, NJ
856-302-5122
SPRING & SUMMER PLAYWEAR AND SWIMWEAR SALE The More You Buy The More You SAVE!
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16
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Expires 6/22/13.
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227-0423
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G the Jeweler
Burger King
S
Black Horse Pk.
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Whitman Drive
Wendys
TOP $ PAID
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3321 Route 42 Turnersville
(Ardmore Plaza Across from Honda)
G the
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Ritas
Wilson Dr.
856-728-0900
TR RU US ST TE ED D
F FO OR R
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11 YE EA AR RS S
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To Advertise Call (856) 228-9852 Before and After Care for Greenloch and Hurffville School 6-11 year olds. Pay by the hour. Established 1980
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GARAGUSO KARATE
Over the past 3 years Garaguso Karate has changed my son for the better. Once a shy, intimidated, withdrawn five year old, my son has transformed into a mature, outgoing, confident eight year old with the help of Garaguso Karate. The values that Garaguso Karate teach, including work ethic, discipline, and confidence are invaluable lessons in life that a child could get nowhere else. Garaguso Karate is more than self-defense. It is a lifetime choice for a better way of thinking and living. S. Nordone
4 WEEKS
Includes Brand New Uniform
Expires 6/19/13
$89
$129
8 WEEKS
856-728-3315
Since 1984
609-221-2395
Since 1984
www.garaguso-karate.com
Train up a child in the way to go Proverbs 22:6
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DEBT RELIEF AND STRESS RELIEF WIPE OUT YOUR BILLS TODAY
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856-696-8300
SEYMOUR WASSERSTRUM
THE ATTORNEY YOU TRUST TO GET YOU OUT OF DEBT
Listen to Attorney Seymour LIVE on the Radio Bankruptcy University, Every Thursday Night from 8-9pm on 92.1FM
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205 Landis Ave. VINELAND, NJ 08360
Se Habla Espaol!
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The Federal Government has designated us as a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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4860 Rt. 42 North Turnersville, NJ Between Whitman Diner & Dairy Queen
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856-566-5791
HOMEMADE PASTAS HOME COOKED MEALS NEW MENU COMING SOON DAILY SPECIALS
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HAPPY Y! S DA FATHER
THANK YOU To Our Loyal Customers for Voting Us BEST FURNITURE STORE in Gloucester County!
OPEN 7 DAYS
for Your Convenience
Mon. & Thurs. 9-9 Tues., Wed., Fri., 9-6 Sat. 9-5 Sun. 12-4
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Help Wanted
HELP WANTED!!! up to $1000 WEEKLY PAID IN ADVANCE!!! MAILING BROCHURES or TYPING ADS for our company. FREE Supplies! Genuine Opportunity, PT/FT. No Experience Needed! www.HelpMailingBrochures.com
Donate Your Car to Veterans Today! Help those in need! Your vehicle donation will help US Troops and support our Veterans! 100% tax deductible Fast Free pickup! 1-800-263-4713
Autos Wanted
CARS/TRUCKS WANTED! Top $$$$$ PAID! Running or Not, All Years, Makes, Models. Free Towing! Were Local! 7 Days/Week. Call Toll Free: 1-888-416-2330
Help Wanted
MAKE MONEY MAILING POSTCARDS! Guaranteed Legitimate Opportunity! www.PostcardsToWealth.com ZNZ Referral Agents Wanted! $20-$84/Per Referral! www.FreeJobPosition.com Big Paychecks Paid Friday! www.LegitCashJobs.com
Automobiles
$18/Month Auto Insurance Instant Quote ANY Credit Type Accepted We Find You the BEST Rates In Your Area. Call 1- 800-844-8162 now!
LOCAL ADS
ARTICLES FOR SALE
Visit Todays Shopper website and browse the classified items for sale and Business services that are not in print. Sell your stuff FREE on our website, place ads in print and more. Its Easy: www.todaysshopper.net.
REAL ESTATE
OFFICE OR STOREFRONT for lease or sale for $152K OBO. Great Location with heavy traffic at 1305 N BHP Blackwood NJ- 600sf plus 400sf basement-$950 plus electric and fire alarm-Landlord pays heat, water, sewer A/C. Call Diane 856-309-5057
Business Opportunity
FREE CD Reveals Secret to Making $1K Per Day. Proven Automated System. NO MLM or Personal S e l l i n g . w w w. 1 K a D a y. B I Z 760-569-6736 (24 hours)
Miscellaneous
**OLD GUITARS WANTED! ** Gibson, Martin, Fender, Gretsch, Epiphone, Guild, Mosrite, Rickenbacker. Prairie State, DAngelico, Stromberg, and Gibson Mandolins/Banjos. 1920s thru 1980s. TOP CASH PAID! 1-800-401-0440
Cable TV
Bundle & Save on your CABLE, INTERNET PHONE, AND MORE. High Speed Internet starting at less than $20/mo. CALL NOW! 800-291-4159
AUTO
1995 Buick Century- silver/grey. 79K, good condition. Asking $1800. Call 856-889-1949
Miscellaneous
AIRLINE CAREERS begin here Become an Aviation Maintenance Tech. FAA approved training. Financial aid if qualified Housing available. Job placement assistance. Call AIM (888) 686-1704
CHILDCARE
Childcare in my Blackwood home. Mon. Fri. 6:30 AM -5:30 PM. All ages. Flexible Rates. Call for more info. Call Kelly 609-828-0326
Financial
Do you receive regular monthly payments from an annuity or insurance settlement and NEED CASH NOW? Call J.G. Wentworth today at 1-800-741-0159.
EDUCATION
HIGH SCHOOL DIPLOMA FROM HOME 6-8 weeks. Accredited, Free Brochure, No computer Needed. 1-800-264-8330. BENJAMIN FRANKLIN HIGH SCHOOL. www.diplomafromhome.com
Health/Medical
VIAGRA 100MG and CIALIS 20mg, 40 pills +4 Free only $99.00. #1 Male Enhancement, Discreet Shipping. If you take these, Save $500 now! 1-888-796-8870
Miscellaneous
ATTEND COLLEGE ONLINE from Home. *Medical, *Business, *Criminal Justice. Job placement assistance. Computer and SCHEV authorized. Call 800-510-0784 www.CenturaOnline.com
HELP WANTED/JOBS
Landscaper / Lawn Cutter Needed: Experience with Commercial Mowers a MUST! (856) 302-5142
NATIONAL ADS
Adoption
IS ADOPTION RIGHT FOR YOU? Open or closed adoption. YOU choose the family. LIVING EXPENSES PAID. Abbys One True Gift Adoptions. Call 24/7. 866-413-6296. Florida Agency #100021542 Void in Illinois/New Mexico/Indiana
Help Wanted
BIG WEEKLY PAYCHECKS! Working From Home! Register Online! www.SuperCashDaily.com Excellent Income Mailing Postcards! Legitimate Opportunity! www.PostcardsToWealth.com Homeworkers Wanted Immediately! www.LegitCashJobs.com
Miscellaneous
BLOWN HEADGASKET? Any vehicle repair yourself. State of the art 2-Component chemical process. Specializing in Cadillac Northstar Overheating. 100% guaranteed. 1-866-780-9039 www.RXHP.com
HOUSE CLEANING
Kimberlys Cleaning. Reliable and thorough Most Houses $85. References available. Call for estimate. 856-883-8811.
Miscellaneous
CASH FOR CARS: All Cars/Trucks Wanted. Running or Not! Top Dollar Paid. We Come To You! Any Make/Model. Call For Instant Offer: 1-800-864-5960
Help Wanted
HELP WANTED!!! $570/ WEEKLY Potential ASSEMBLING CHRISTMAS DECORATIONS from home + MAKE MONEY MAILING BROCHURES or TYPING ADS FOR OUR COMPANY!! www.HelpWantedWork.com
Auto Donations
DONATE A CAR - HELP CHILDREN FIGHTING DIABETES. Fast, Free Towing. Call 7 days/week. Non runners OK. Tax Deductible. Call Juvenile Diabetes Research Foundation 1-800-578-0408
Miscellaneous
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PIANO LESSONS
Piano Lessons All Ages. Experienced Teacher has openings. Great rapport with children. Fun approach integrates theory and performance. Beth 856-371-0181
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ADS ONLINE AND IN PRINT
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Miscellaneous
MEDICAL CAREERS begin here Online training for Allied Health and Medical Management. Job placement assistance. Computer and Financial Aid if qualified. SCHEV authorized. Call 800-510-0784 www.CenturaOnline.com
31
Announcements
Medical Alert for Seniors - 24/7 monitoring. FREE Equipment. FREE Shipping. Nationwide Service. $29.95/Month CALL Medical Guardian Today 877-827-1331
HEALTH/MISCELLANEOUS
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AUTOS WANTED
CARS/TRUCKS WANTED! PayMAX pays the MAX! One call gets you a TOP DOLLAR offer! Any year/make/model. 1-888-PAYMAX5 (1-888-729-6295)
Miscellaneous
Meet singles now! No paid operators, just people like you. Browse greetings, exchange messages, connect live. FREE trial. Call 1-877-737-9447
MEDICAL/HEALTH
Canada Drug Center is your choice for safe and affordable medications. Our licensed Canadian mail order pharmacy will provide you with savings of up to 90 percent on all your medication needs. Call today 1-800-254-4073, for $10.00 off your first prescription and free shipping.
Business to Business
ADVERTISING WORKS TOGETHER - ONLINE AND PRINT. Give us a call to market your business to over 4 million households for just one price in publications like this as well as our online classified sites. Visit www.macnetonline.com and call 800-450-7227 for more details.
Miscellaneous
ROTARY INTERNATIONAL A worldwide network of inspired individuals who improve communities. Find information or locate your local club at www.rotary.org. Brought to you by your free community paper and PaperChain.
Schools
HIGH SCHOOL DIPLOMA FROM HOME. 6 - 8 weeks. ACCREDITED. Get a Diploma. Get a Job! No Computer Needed. Free Brochure 1-800-264-8330 Benjamin Franklin High School www.diplomafromhome.com
TV/Phone/Miscellaneous
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Miscellaneous
ROTARY INTERNATIONAL Start with Rotary and good things happen. Rotary, humanity in motion. Find information or locate your local club at www.rotary.org. Brought to you by your free community paper and PaperChain.
REGIONAL ADS
ADOPTION
UNPLANNED PREGNANCY? THINKING OF ADOPTION? Open or closed adoption. YOU choose the family. LIVING EXPENSES PAID. Abbys One True Gift Adoptions. Call 24/7. 866-459-3372
WANTED
CASH FOR CARS: Cars/Trucks Wanted! Running or Not! We Come To You! Any Make/Model. Instant Offer - Call: 1-800-569-0003
Miscellaneous
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For Sale
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WANTED TO BUY
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Announcements
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Miscellaneous
WORK ON JET ENGINES Train for hands on Aviation Maintenance Career. FAA approved program. Financial aid if qualified Job placement assistance. Call AIM (866) 854- 6156.
For Sale
DirecTV - Over 140 channels only $29.99 a month. Call Now! Triple savings! $636.00 in Savings, Free upgrade to Genie & 2013 NFL Sunday ticket free!! Start saving today! 1-800-352-7157
Help Wanted
$1,000 WEEKLY or more guaranteed salary mailing our financial company letters from home. No experience required. FT/PT. Genuine opportunity. Rapid Advancement. Free Information (24/7) : 1-888-557-5539
Announcements
HOW IS BUSINESS? Need more customers? Advertise to over 4 million homes and businesses throughout the Mid-Atlantic Region for one price with online and print advertising. Visit www.macnetonline.com 800-450-7227. SELL YOUR STUFF IN TODAYS SHOPPER. 856-228-9852
Miscellaneous/Satellite TV
Lower Your Cable Bill!!! Complete Digital Satellite TV System FREE Install!!!! FREE HD/DVR UPGRADES As low As $19.99/mo Call NOW! (800) 799-4935
For Sale
ProFlowers - Send Bouquets for Any Occasion. Birthday, Anniversary or Just Because! Take 20 percent off your order over $29! Go to www.Proflowers.com/Brilliant or call 1-888-718-0394
Visit: www.todaysshopper.net
View and Print Ads Place Classifieds View This Weeks Edition Online Links to ALL Local Townships & Schools 100s of Articles to Read
32
Service Directory
Reach 80,000 Plus Homes & Businesses CALL 856-228-9852
PAINT/PAPERHANGING PAINT/PAPERHANGING Wallpaper & Painting Residential Commercial Neatness Guaranteed
NO JOB TOO SMALL
GUTTER CLEANING
PAINTING
RICHS
BRITMAR
A&A PAINTING
FREE ESTIMATES
856-881-0105
856-582-2459
856-938-5532
PAINTING / POWERWASHING
GENTILI PAINTING
POWER WASHING INTER & EXTER. LIGHT CARPENTRY
www.gentili-painting.com Insured Reg. #13VH00966900 ROOFING & SIDING
856-228-2723
CARPENTRY
HANDYPERSON
J& F PAINTING
856-375-3629
Call 856-464-8843
CONTRACTOR
FAIR PRICES
FENCING
856-262-7825
HOME IMPROVEMENT Cioffis Home Improvement and Handyman Services
JMPC ENTERPRISES LLC.
856-340-5908
ACE FENCING
Vinyl, Cedar, Chain Link & Aluminum TOP QUALITY WORK 10% OFF with ad
FAMILY OWNED BUSINESS LOWEST PRICES
Allied Contractors
Home Remodeling Repairs Additions Basements 20 Decks Bathrooms YEARS SMALL JOB SPECIALIST EXP.
Powerwashing Cleanups NJ 13VH04495300
FLOORING $AVE
Contractor has rolls of Carpet & Vinyl from $1.35 SQ.FT. No wax vinyl 9X12 $289 installed.
FLOORING
Remodeling, Doors, Floors, Windows, Tile, All Home Repairs and More
609-221-5775
TREE SERVICE
Call 856-629-7060
We accept credit cards.
TREE SERVICE
PLUMBING
Residential Commercial Water Heaters Sump Pumps Faucets Garbage Disposals Repairs Gas Piping Bathroom & Kitchen Remodels
FALLONS CARPENTRY
Painting Repairs Customizing Windows Siding Kitchens Bathrooms Basements & More
License #13VH04374100 Insured RESIDENTIAL COMMERCIAL
856-228-9523
Tree Removal Specialist Stump Grinding 10% OFF ANY TREE WORK OVER $1000 FIREWOOD BLOWOUT SALE!
Bill 856-981-7388
CALL 856-875-0216
856-875-4500
N.J. State License Number 8512
A1
HOME IMPROVEMENTS AND REPAIRS Ray Fabiane, LLC Mention Windows Doors Basements Decks This Ad Kitchens Baths Handyman Services
For A Discount
CLEANING
HANDYMAN
H.O.P.E. IMPROVEMENT
Flooring Refacing Attic Insulation Decks Power Washing And Much More 855-641-HOPE (4673) 856-236-0601 Our Prices Cant Be Beat! NO Credit Check or Finance Charges
www.hopeprogram.net
856-287-4029
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33
Service Directory
LANDSCAPING
Fall Clean Ups Mulch Stones Top Soil Pavers Cut Lawns Trim Bushes CALL 856-842-9441 OR 302-669-7021
LAWN SERVICE
LANDSCAPING
5 Star Landscaping
Clean-Ups/Clean Outs Lawn Service Mulching Weeding Trimming Tree Removal Pressure Washing
856-404-7238
POWERWASHING
POWERWASHING by Mike
Residential Commercial
856-534-4728
CLEANING SERVICES
POWERWASHING
PETES
POWERWASHING
CALL
856-352-0551
FREE ESTIMATES With this ad get $10 Off First Services 856-589-4590 856-842-8134
Works! 856-228-9852
856-343-7223 856-516-0292
ATTENTION
Business Owners
Are you in need of an AFFORDABLE Advertising Program?
direct mails 5 separate zoned papers that can target the area or areas that you need. Up to 81,000 Plus!! We direct mail to EVERY home and business. We started our first paper over 19 years ago in Washington Township.
Our
Call us today!
856-228-9852
34
Dr. Annie has privileges to treat children at Virtuas surgical center located on Hurffville-Crosskeys Road in Washington Township.
Call our office for more information Dentistry for pediatric & special needs thru adolescence
(856) 582-1000
STATE-OF-THE-ART FACILITY DIGITAL X-RAYS EMERGENCY SERVICES NITROUS OXIDE ANALGESIA AVAILABLE
PARTICIPATING PROVIDERS: Delta NJ/USA Premier Plan, Horizon of NJ Dental Option, Cigna, Guardian, Aetna/Assurant PPO Plans Check Out Our Website At:
PERIODONTICS:
Thomas Boytim, DMD
(NJ Specialty Lic. 3967) Voted 2013 Best Dentist by SJ Magazine
ENDODONTICS:
Craig Appelstein, DMD
(NJ Specialty Lic. 5856)
www.washingtontownshipdental.com
to download new patient forms, etc.
Must mention this ad when scheduling appointment Must mention this ad when scheduling appointment
PEDIATRICS:
Mary-Kathryn Annuzzi, DMD
(NJ Specialty Lic. 5540) Voted Top Doc by South Jersey Magazine
Opalescence
$ $
FREE Exam
Including All Necessary X-Rays
NEW PATIENTS ONLY (Valued at $169)
Must present original coupon at time of visit. 1 coupon per family. In the absence of Dental Ins. Expires 7/3/13.
Available to existing and new patients. (New patients must have initial exam first) Must present original coupon at time of visit. Not valid with any other offers or prior services. Expires 7/3/13
www.todaysshopper.net
35
24"x21 2-Door $199 30x21 2-Door $249 36x21 2-Door $299 48"x21 1-Door, 4 Drawers $549 60"x21 2-Door, 4 Drawers $649
All-Wood Kitchen Cabinets Over 30 Vanity Styles Interior Doors Moulding Sinks Faucets Locks
Mahogany Wood Entrance Door
three door sizes available:
30"x80" / 32"x80" / 36"x80"
Choose a pre-hung double door or pre-hung door with two sidelites, features triple pane insulated glass with black or zinc leaded caning.
$1,599
Also available in 36" Pre-hung for
$499
Home Surplus at Bellmawr 118 N. Black Horse Pike Bellmawr, NJ 856-931-8900
$1,998
reg. $2,399