Académique Documents
Professionnel Documents
Culture Documents
Williamstown/Collings Lake
Tax Route
See our ad on page 2
856-728-2001
www.sjchristianacademy.org
info.request@sjchristianacademy.org
Educating todays children to be tomorrows Christian leaders
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Family Owned/Operated for Over 50 Years Family Owned/Operated for Over 50 Years
856-629-7900
WE ACCEPT
BULK SPECIALS*
*You Call / We Deliver Prices include local delivery
or Root Mulch
3 Yards ....$129.99* 5 Yards ....$179.99* 10 Yards ..$279.99* 15 Yards ..$399.99*
WE ACCEPT
Spring Clean Ups Landscape Installation/Renovation Lawn Maintenance Seasonal Contracts Irrigation Start Ups Irrigation System Maintenance/Repair
Member
NJLCA
NMCA
CERTIFIED
If you answer Yes to some of these questions, you could have hearing loss!
1. Do you have difficulty understanding speech in noisy places? 2. Are you often asking others to repeat what they just said? 3. Do others ask you not to speak so loud? 4. Do you have more difficulty hearing conversations when in group settings or restaurants? 5. Do others have to alert you when the phone rings because you did not hear it? 6. Do you turn the television up louder than others find comfortable? 7. Are you having difficulty understanding speech when people speak to you from behind? 8. Do people mumble when they speak to you? 9. Are you avoiding social functions because you cannot understand what others are saying? 10. Do you sometimes just give up and stop trying to hear conversations?
856-629-0776
CALL NOW
Only in Williamstown
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
Sale features Shine hearing aids by Unitron
S
Sicklerville Rd.
Geets Diner
12 Months 0% Interest
Financing Available
(Ask for details) Ends 4/27/12
FREE
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995
starting at
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only $10
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Scotchguarded Mohawk Carpet Many Colors Available Upgraded Padding Doubletree Plaza Rt. 47 Glassboro 856-881-6911 800-343-9311
With this coupon. Installed with padding. Not valid with other offers. See store for details. Offer expires 5/9/12.
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I les II Char
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QUALITY CARPETS
Doubletree Shopping Center
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Contractors Registration #13VH01908700
ald Don
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h Sout
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Milano Pizza 856-629-1095 856-629-1093
Must mention coupon when ordering. Not to be combined with other offers or other discounts.
12.29
20.49
2 large pizzas
Milano Pizza 856-629-1095 856-629-1093
Must mention coupon when ordering. Not to be combined with other offers or other discounts.
22.99
12.99
15.99
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629-1093
Corkery Lane & Blue Bell Road Williamstown Visit us at: milanostogo.com Hours: MON-THURS, 11am-11pm FRI & SAT. 11am-12am SUN, 12noon-10pm
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856-740-3300
Personal Training Aerobics Day Care
OPEN HOUSE
Saturday, April 14th 10:30 am - 1:30 pm
SENIOR
FITNESS CLASSES
Each Week: Mon., Wed., Fri.
We are Celebrating our 11th year! Come see why we are becoming Williamstowns favorite Fitness Center. A clean, friendly atmosphere makes getting fit fun and enjoyable for men and women.
1219 S. Black Horse Pike CVS Shopping Center WILLIAMSTOWN 1219 S. Black Horse Pike CVS Shopping Center WILLIAMSTOWN
Annual Perennials Trees Shrubs Ground Cover Bulk Stone Gardening Supplies
Price includes local delivery (5-mile radius). No coupon allowed. Prices good thru 5-11-12.
BULK SPECIALS
Root Mulch
(black, double shredded)
Black Dyed
Mulch
Topsoil
Topsoil
3 cu. yds. $125 5 cu. yds. $175 Ground Cover 10 cu. yds.$285
11
99
3 cu. yds. $129 3 cu. yds. $125 3 cu. yds.$120 5 cu. yds. $180 5 cu. yds. $175 5 cu. yds.$145 Annuals 10 cu. yds.$275 8 cu. Shrubs 10 cu. yds.$280 Perennials Trees yds.$180
While Supplies Last
While Supplies Last While Supplies Last While Bulk Stone Gardening Supplies Supplies Last
Bagged Mulch
2 cu. ft. (Black or Brown)
3 Bags for
AZALEAS
1350
Reg. $5.99/Bag
999
856.629.9528 www.JosephsLandscaping.com
Open 7 Days A Week Please Call For Directions
856-227-0423
Bill Verdecchio & Son
Lifetime Guarantee Financing Available Guaranteed to be your best competitive bid for quality products. LET US EARN YOUR BUSINESS!!! Dont get misled by salespeople. We encourage customers to get other estimates, so you will be more knowledgeable about your projects.
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starting at
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Therm-Tru Doors
195
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856-589-3633
ECHO PLAZA 309 Fries Mill Rd., Turnersville www.activefitnesscenter.com FAMILY OWNED & OPERATED NO CORPORATE RULES OR NONSENSE
Pre-Summer Sale!
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50
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856-256-1234
Located Between Washington Twp. H.S. & Kennedy Hospital at Cherry Tree Plaza
475 Hurffville Crosskeys Rd., Sewell (Washington Twp.)
3 5
only
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CLAYTON WILLIAMSTOWN 856-863-6633 856-728-1600 420 N. DELSEA DR. 126 POPLAR ST.
WWW.GOFERAS.COM
10% Sell to Us? Its yourPAID should get mostTHIS AD BONUS stuff! You WITH of the money! Why
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ALSO WANTED:
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We Will We Pay More Than 200% Beat Any Higher Than Competing Cash 4 Gold Offer! On TV!
* Bonus paid on first $300 in scrap gold we buy. Coins and bullion items excluded. We pay higher or lower according to the NY Spot price and market conditions at time of transaction.
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NOW OPEN
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856-262-3833
Coldcuts Milk In Store Imported Cheeses Eggs Deli Specials Homemade Salads Butter Hoagies Bread, Rolls Chicken Cutlets Hoagie Trays Homemade Sauces Party Platters Imported Pasta Shelf Items 1180 N. Black Horse Pike Williamstown
(Next to Papa Johns & Indulgence Salon)
Hours: Closed Sunday & Monday Tuesday - Friday 9-5 Saturday 9-3
FREE
Not to be combined with other offers. Expires 4/30/12.
HALF OFF
EQUAL OR LESSER VALUE.
Not to be combined with other offers. Expires 4/30/12.
facebook.com/GaragusoKarate
728-3315
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13
WILLIAMSTOWN CAR WASH, DETAIL & LUBE CENTER Black Horse Pike & Route 322
Located Across From Geets Diner & Walgreens
Mon-Sat 8-6 Sun 8-4 Williamstown Location LUBE HOURS Mon-Fri 9-5 Sat 8-5 Sun 8-4
MASTER CARD
VISA
Card
BLACKWOOD CAR WASH & DETAIL CENTER 1012 S. Black Horse Pike
Located Across From Super Value
856-875-2227
856-227-7772
4.00 OFF
FREE
Full Service Car Wash
WITH OIL CHANGE PACKAGE
Expires 4/25/12. One coupon per vehicle. Not to be combined with other offers
FREE FULL SERVICE CAR WASH WITH OIL CHANGE PACKAGE (Williamstown Only)
TS3
Reg. $24.99 +tax. Wash Not Included. Vans, SUV's, Trucks, Limos, 4x4 $10 add'l. PLU 1099
With this coupon. Not to be combined with other offers. Exp. 4/25/12. TS3
14.15
Expires 4/25/12
Join our BONUS POINTS CLUB IT'S FREE and become eligible for FREE CAR WASHES and Additional Discounts.
Wheel cleaner Cleacoat Protectant Triple foam polish Undercarriage wash Air Freshener Tire Dressing
Add $1.00 extra for SUV's, 4X4's, vans, trucks & limos. With this coupon. Not to be combined with other offers. TS3
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AT EXPERIENCE YOGA
South Jerseys Health & Wellness Center
Would you like to: Increase Strength, Relieve Stress and Reduce Pain? Give our classes a try and see what they can do for Mind and Body!
Whatever your area of interest, we have a class for you: beginner yoga candlelight yoga pilates core plus powerful HOT vinyasa energy cycling private yoga vinyasa flow yoga pilates personal training pilates fusion yoga teacher training
Swedish Deep Tissue Myofascial Integration Pregnancy Massage Shiatsu Reiki Hot Stone Acupuncture Reflexology
G I F T C E R T I F I C AT E S
Try Our First Stretch Program
10 off
of your first massage
get 00
FREE!
First time clients only Exp. 5/9/12
NOW NS ATIO
NOW OPEN
1809 N. Black Horse Pike, Williamstown
(Across from TIRE-TECH, in Williamstown Pavillion)
856-318-1558
10% OFF
Full Selection of Above Ground Pools Inground and Above Ground Liner and Sales With this coupon. Excludes any sale items. Large Assortment of Pool & Spa Chemicals Filters, Pumps & Heaters Also Available In-House Bench Repairs SPECIALSALE GET 180 SHOCK CA$H BACK 24 lb. case of 1 lb. bags Complete System
with 112 hp pump
68% Cal. Hypo
1 hp PowerFlo Pump $
389
4498
CHLORINE TABS
25 lb. pail 3" tabs
185
5999
1,799
Eclipse 3 Algicide
856-374-8808
NEW HOURS: Tues.-Fri. 9am-5pm Sat. 9am-3pm Sun. 10am-2pm or visit us online at Join Anchor Pool on www.anchorpoolandspa.com for our Weekly Sales and Events
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15
RETAIL SPECIALISTS!
TUNE-UP SAVINGS
FOR SPRING
Show Your AAA CARD &
SAVE10%
$10 OFF!!
Any BATTERY
(Domestic or Foreign)
OPEN 7 DAYS
Geets Diner
Williamstown/Sicklerville Rd.
856-728-3200
Mon. through Fri. 8am-6pm Sat. 8am-5pm Sun. 9am-2pm
16
TANNING MASSAGE
TANNING SPECIALS
ENDERMOLOGIE
Standup and Lay Down Beds ASK ABOUT OUR BRIDAL SPECIALS
Win! WIN!
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Call for Great Specials
Endermologie Special
$150 Off
15 Session Package
ENDERMOLOGIE IS FOR BODY SHAPING & CELLULITE
Expires 5/9/12.
FREE
Valid Tuesdays Only.
20% off
Gas & Charcoal Grills, Smokers Outdoor Kitchens, Outdoor Rooms, Pergolas Wood Fired Ovens, Outdoor Fireplaces & Firepits Gas Logs, Fireplace & Grill Accessories & Parts Full Line of Indoor Fireplaces & Stoves Patio Heaters, Chimineas & Mailboxes
START UP KIT
FREE
BBQ Rubs & Sauces All Natural Lump Charcoal Flavored Smoking Chips & Chunks
WINTER CLEARANCE
10% off
Pansy Flats
FULL FLATS ONLY
With coupon. Expires 5/9/11.
www.mccloskeysgardenandhearth.com Find us on
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$150.00
Keratin Treatment
Reg. $250.00
NEW AND EXISTING CLIENTS
Not to be combined with other offers. Expires 4/30/12.
Complimentary Cut
With Any Highlighting Service Purchase
Welcome Andrea Copes
NEW AND EXISTING CLIENTS
Not to be combined with other offers. Expires 4/30/12.
Call for information on all forms of hair extensions, bridal packages, air brush make-up and other specialty services
$80.00
Formal Package
Includes Up-Do Style & Make-up Reg. $90.00
NEW AND EXISTING CLIENTS
Not to be combined with other offers. Expires 4/30/12.
$55.00
Cut & Color Service with Ashley
Reg. $65.00 Length/Thickness Additional
NEW AND EXISTING CLIENTS
Not to be combined with other offers. Expires 4/30/12.
856.228.7708
GIFT CERTIFICATES AVAILABLE
18
Homemade On Premises
EVERYDAY SPECIAL
Prime Rib Bottled 2 LunchChoice VegetablesSalad forof Soup or Two Domestic Beer
OPENING Dinner for Two SOON... at a nearby location $19.99 TJs GRILL and LIQUOR
Now Accepting Employment Applications
Winslow Family Diner
Dinner Lunch for Two $14.99 for Two You each select whichever Entree item you would like from the following choices, the total Both Entrees $19.99 Lunch for$14.99 Two DinnerandforforTwo and Two Beverages is $19.99. Dinner $14.99 for Two $19.99 $19.99
You each select whichever Lunch item you would like from the following choices, and the total for Both Lunches and Two Beverages is $14.99.
Please let your server know you are ordering from our Lunch for Two Menu. Served Monday through Friday Only!
Choice of Beverage includes: Coffee, Hot Tea, Unsweetened Iced Tea, Soda, or Raspberry Iced Tea.
Please let your server know you are ordering from our Dinner for Two Menu. All selections are served with a Cup of Soup or a Tossed Salad. Served Daily, Monday through Sunday!
Choice of Beverage includes: Coffee, Hot Tea, Unsweetened Iced Tea, Soda, or Raspberry Iced Tea.
Also featuring
Breakfast Specials Daily Specials Full Bar & Cocktail Menu Take-Out Available Banquet Facilities* & Banquet Menu Available
* Larger Groups, Please Call For Details...
VALUABLE COUPON
20% off !!
THE ENTIRE BILL
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19
Its AMAZING what a little salt can do and now The Pool Store makes salt chlorination affordable!
Now thru April $549.00!
Salt & Swim is the most affordable way to move up to a salt chlorinated pool and experience softer, silkier water. If youve dreamed of owning a salt chlorinated pool, Salt & Swim is the answer that ts into most household budgets. It offers a more natural approach to sanitization and will cut the time you spend managing your water chemistry. No more mixing, measuring or messing around with liquid or tablet chlorine. Say goodbye to red eyes, dry skin and chlorine odor. Salt & Swim is truly a do-it-yourself installation with no gluing required. You can have the ultimate swimming experience in just 20 minutes and four easy steps - its so simple.
Reg. $ 699.99
The Pool Store makes purchasing a robotic pool cleaner more affordable than ever!
Now thru April $699.00!
Hayward SharkVAC is a robust Robotic pool cleaner that is gentle and compatible with all types of pool surfaces. Its scrubbing brush will even work away the most stubborn dirt. SharkVAC by Hayward incorporates two fine porosity filtration elements in a sleek floor-specific design. With its unique top access debris chamber and authentic filtration cartridge method, there is no need to turn the cleaner upside down (like all other Robotic cleaners) or hassle with cumbersome and messy bags.
Reg. $ 849.99
We sell, service and install the full line of Hayward Products including pool heaters, pumps, filters, heat pumps, salt systems, automatic pool cleaners and more!
19 Crosskeys Road
Sewell 856-286-3300
(next to Rizzieris Salon and Randazzos Pizza)
W. Berlin 856-767-8900
(next to Filomenas Restaurant)
20
Now Available...
GIFT CERTIFICATES, GIFT PACKAGES & MORE
F O R T H E E N T I R E FA M I LY
856-740-0832
Welcome Spring!
www.salonimpulse.com
Now In Stock!!
Exciting New Feather Extensions
Open 7 Days Until 8 pm Weekdays and 4 pm Weekends
$5.00
FREE WAX
With Color & Cut
Not to be combined with other offers. Expires 5/9/12.
$50.00
Off
THEKITCHENCABINETCOMPANY.com
INVENTORY CLEARANCE
Starting at only
2199
NJ Lic# 13VH03967700
up to 50 sq. ft.
1999
www.todaysshopper.net
21
856-812-0201
fax: 856-780-1169 contact@stonegalaxy.com www.stonegalaxy.com
22
www.pastapomodoro-bygiovanni.com
856-256-7799
All dishes prepared to order!
FIVE DOLLARS
We proudly invite you to come in and enjoy this complimentary
$ 00
Gift Certificate
Pasta Pomodoro 404 Egg Harbor Rd., Sewell 856-256-7799
With this coupon.Cannot be combined with other offers. No exceptions. One coupon per table. Expires 5/9/12.
Cuisine: Northern & Southern Italian Food Service Overall (very good) Value Price - Moderate
NJ NAILS
Everyday Pedicure$20 OPI Gel Soak Off for Natural Nails & Toes
Logon: www.todaysshopper.net
7 Days
141 Tuckahoe Rd. Washington Twp. (Berlin Cross Keys Plaza by Home Depot) Refill $3 off Pedicure Get A $55 Full Set & Pedicure when you spend Gift Card ONLY $20 Reg. $23 $33 For... $50 $23 or more
Permanent Pink Manicure & Gel Nails Full Set $30 & Whites $38 Pedicure ONLY Reg. $35 Full Set Reg. $40 $28
All coupons cannot be combined with other offers. Expires 5/9/12.
only
13
Cash 4 Cars
Top $$$ Paid For Your Clunker! RUNNING OR NOT WE BUY IT ALL! TURN YOUR JUNK INTO QUICK CASH!
www.cash4cars69.com
We Tow It For Free!
Nick & Christine
215-783-1349
service@cash4cars69.com
www.todaysshopper.net
23
WIPE OUT YOUR BILLS TODAY AND START SAVING FOR THE FUTURE
STOP FORECLOSURE STOP WAGE EXECUTIONS STOP LAWSUITS STOP SHERIFF SALES GET IMMEDIATE DEBT RELIEF & IMMEDIATE STRESS RELIEF
Call For Our FREE DVD: Wipe Out Your Bills Today
BREAKING NEWS NEW LEGAL SERVICE: LOAN MODIFICATION
We help people substantially reduce their mortgage payments under the Obama Loan Modification Program. Call for a FREE appointment to determine if we can help you modify your mortgage and save you TENS OF THOUSANDS OF DOLLARS.
Use Coupon for $100 Off FEE FOR CHAPTER 7 IS $996 +costs FEE TO START CHAPTER 13 IS $680 LOAN MODIFICATION FEE IS $1495, everything included
Loan Modifications Real Estate Short Sales Wipe Out Utility Bills Wipe Out Debt Stop Vehicle Repossession Reduce Car Payments Wipe Out Medical Bills Reduce Mortgage Payments Stop Phone Calls and Creditor Harassment
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
Top Reasons To File Chapter 7
1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. Completely wipe out your credit card debt. Wipe out medical bills, dental bills, doctor bills, hospital bills. Wipe out utility bills such as gas, electric telephone, cable and cell phone bills. Wipe out income taxes that are more than 3 years old and that were filed more than 3 years ago. Discharge personal unsecured loans. Wipe out surcharges on your driver's license, and get your license back. Discharge legal fees. Stop wage executions on your salary. Release money from frozen bank accounts. Stop sheriff's sales of personal property or other property.
856-696-8300
MAIN OFFICE
856-696-8300
The Federal Government has designated us as a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
WipeOutYourBills.com
24
BBQ COOKING CLASSES McCloskey's Garden and Hearth is proud to host a variety of BBQ cooking classes where you will learn to prepare and cook BBQ meals like a pro. These first few scheduled classes are taught by Rob Russell of the Ace of Hearts BBQ specialities. Rob brings with him the knowledge and experience of working with the Three Little Pigs BBQ team and is considered a backyard specialist. The Three Little Pigs have won over 40 BBQ competitions and are eight time Grand Champions of the prestigious American Royal BBQ contest.
You will be provided everything you need for the class including food and beverages. (soda, water, etc.) BYOB Join us for each class and have a lot of fun learning how to prepare great BBQ.
Calendar of events
May 26th: Big Green Egg Demo 10am - 2pm FREE May 30th: Class Ribs and Chicken 5pm cost: $75 June 20th: Class Brisket and Porkbutt 5pm cost: $75 July 18th: Class Surf n Turf 5pm cost: $75
We are currently working on more classes and demos, so keep watching. Class size is limited. Please call to register soon as possible to ensure space in the class and so that we can have enough food available for each student. Registration is non refundable within one week of class. Please call 856-307-9652 for more information.
Grill Demos Our grill demos and presentations will be presented by our Manufacturers representatives who will be cooking samples on thier products. They will answer questions and explain the differences and advantages of each product. This is a really great way to see and taste the grill in action.
www.todaysshopper.net
25
CALL US!
MENTION THIS TODAYS SHOPPER AD AND $AVE $AVE on Your PAVING INSTALLATION!
$AVE
Book Now!
Save on all future edging jobs!
Concrete Edging Gives Landscaping Saves Time A NEW LOOK! All Weather Spent On Lawn Care Tolerant
Retains Mulch And Soil In Garden Beds Choose From Different Colors, Shapes And Patterns
FREE 15 feet
Curb Appeal 856-468-8853
With this coupon. Not valid with other offers or prior purchases. Expires 5/9/12.
856-468-8853
License # 13VH03416000
www.curbappealnj.com
26
$39
15 YEARS
in Business Same Location Same Owner
856.262.7733 856.262.7777
3321 Rt. 42 South Turnersville, NJ Across from Turnersville Honda
*Some restrictions may apply. See store for details. Your phone must be in working condition and able to power on and clear ESN. Limited time offer. Promotion only applies to new activations. First month up front and activation fee required. Limited internet available and available only on certain phones. See store for details.
www.todaysshopper.net
27
www.gthejeweler.com
Ill Pay the Jeweler The G FRE Highest Prices Analysis E Black Horse S ofin the World! Pk. Your Jew All
elry
Wendys Taco Bell
Burger King
Whitman Drive
Dennys
We Buy: Gold Unwanted Broken Jewelry Diamonds Watches Platinum Estate Jewelry Silver & Silver Coins Rolex
TRUSTED
FOR
11 YEARS
Ganttown Plaza
Adult - $6.59
Kids (3-6) - $2.99 (7-10) - $4.99
Adult - $9.99
Kids (3-6) - $4.99 (7-10) - $5.99
Adult - $9.99
Carry-Out Buffet
Choose at least 3 items per take-out.
Drinks - $1.49 (free refill) Hot Tea & Water - Free Children under 2 - Free Senior Citizen 60+ - 10% off
28
OFF
10' x 10' Solid Wood Cabinets $1795 Granite Countertops 50 sq. ft., Level 1 FREE 16 Gauge Sink INSTALLED $1999 5%
(450 COLORS, 4000 SLABS)
With ad
Expires 5-9-12
Over 50 Quick Ship Cabinets, All Wood - Areas Largest Selection Domestic Lines: Medallion & Timberlake Carpet Wood Laminate Vinyl Tile Free Estimates Financing
OPEN 7 DAYS M-F 9-7, SAT 9-5, SUN 12-4 www. USAFlooringandKitchens.com
CALL 856-931-3301
Order Now!
$AVE
BIG
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PRODUCTS
Mulch, Compost, Topsoil, Screened Topsoil, Sand & Stone
STONE
3/4" White Stone Clean ..............$28/ton 3/4" Blue Stone Clean ................$28/ton 3/4" Red Stone Clean ..................$48/ton 3/4" Modified Stone ....................$22/ton 2"-3" River Jack ..........................$48/ton 4"-6" River Jack ..........................$48/ton 3/4" Round Stone ......................$45/ton (brown septic system) Pea Gravel ..................................$28/ton Crushed Concrete ......................$18/ton
MULCH
Red Dyed ....................................$28/yd. Black Dyed ..................................$28/yd. Brown Dyed ................................$28/yd. Root............................................$24/yd. Playground ................................$24/yd. ICBIN ..........................................$48/yd. Cedar ..........................................$48/yd.
www.todaysshopper.net
5 off $Half Price Win 2.99 Buy 2 HOAGIES or CHICKEN PARM $ 4.99 CHEESESTEAKS Get 1... FREE $ 5 off FOUR FALL% Half Price Wings $SPECIALS SUPER SAVER Half Price Wings 10 off 4.99 DELIVERY 3.99 $ 4.99 FREE 3.99 $ % off 5.99 5.99 $ Price Half3.99 10 Wings 3.00 $ 3.00 $ 5.99 FOUR FALL SUPER $ 4.99 SAVER SPECIALS $ 3.00 $ 3.99 Half FOUR FALL SUPER SAVER SPECIALS Price Wings $ 5.99 $ 4.99 Half Price Wings $ $ 3.99 3.00 $ 4.99 $ 5.99 $ 3.99 $ 3.00 $ 5.99 $ 3.00
Delicious
SUPERIOR HOAGIES, CHEESE STEAKS, $ WINGS, CATERING AND A WHOLE LOT MORE
5 off $ 2.99 FREE $ 5 off WE DELIVER 856-740-EATS 10% off $ 5 off $ 4 Italian Hoagie FREE 4 $ 4 Cheesesteak FREE 10%$off 4 3 of Williamstown 4 Italian4 2.99 Hoagie % off 10FOURoff SUPER SAVER 5 FALL $ 4 Cheesesteak 4 $ 2.99 FREE
$ 2.99
Tell them you saw it in Todays Shopper 29
Every First Wednesday of the Month
VOTED BEST $ Every Third Wednesday of the Month Italian Hoagie HOAGIE
$
Cheesesteak
10 off
only
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$ $ $ $
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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.
L OOK
FOR A
N EW F EATURE
IN
4 W EEKS
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856-881-6891
Washington Township, NJ www.textrodoor.com
Installed
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Must mention ad. Not to be combined. Expires 5/23/12.
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Washington Shopping Center
Next to Acme
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FREE
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BUFFALO BILLS BARBECUE 856-875-6000
Must mention coupon when ordering. Must have coupon at time of paying to receive discount. One coupon per person per order. Expires 5/9/12.
14.99
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Must mention coupon when ordering. Must have coupon at time of paying to receive discount. One coupon per person per order. Expires 5/9/12.
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For Sale
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MUSICAL INSTRUMENTS
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Service Directory
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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 18 years ago in Washington Township.
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856-228-9852
38
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
Welcome Spring!
Jerome D. Schwartz, DMD Stephen P Altaker, DMD . Jay H. Simon, DDS Robert J. Bernstein, DMD Elizabeth Balis, DMD
Voted Top Doc by South Jersey Magazine
(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)
PROSTHODONTICS:
Jonathan H. Orenstein, DMD
(NJ Specialty Lic. 3442)
www.washingtontownshipdental.com
to download new patient forms, etc.
ENDODONTICS:
Craig Appelstein, DMD
(NJ Specialty Lic. 5856)
SPRING SPECIAL
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 5/9/12.
PEDIATRICS:
Mary-Kathryn Annuzzi, DMD
(NJ Specialty Lic. 5540)
www.todaysshopper.net
39
$1,099.00
20 lbs. BBQ Ribs 80 pcs. BBQ Chicken (Assorted Pieces) 112 Trays New England Salt Potatoes 60 Ears Corn-on-the-Cob
(Fresh and Marinated in Butter)
$1,395.00
Plus 7% Sales Tax and Vehicle Delivery Charge Prices subject to change without notice.
20 lbs. Potato Salad 1 Lg. Bowl Marinated Tomato, Cucumber & Onion Salad Menu Feeds 3 Dozen Dinner Rolls 50 People 2 lbs. Butter Pats
Rental items will be delivered a day or two prior to your actual event day and picked up a day or two afterwards. Your catering items will be delivered one hour prior to serving time. Our staff will set up all food items and leave your previses having everything ready for enjoyment.
856-881-6855