����� in business The Atlantic Stewardship Bank: Ridgewood Branch he Atlantic StewardTship Bank located at 190 Franklin Avenue in Ridgewood provides convenient, off-street parking in the lot adjacent to the branch on Cottage Avenue. The Ridgewood branch features a walk-up ATM, safe deposit boxes and our unique brand of ASB customer service. Our Ridgewood Branch also offers drive-up service located at 121 Franklin Avenue, a short distance from our office. The driveup features two teller lanes and an ATM. Standing, from left: Patricia Crossley, Lisa D’Amato, Atlantic Stewardship Bank is one of only two full service Christine Stonebridge and Linda Stack. Seated, branch Assistant Manager Cathy Grinkin. commercial banks in the United States that tithes or shares ten percent of its annual earnings with Christian and local civic organizations, many of which are located in Ridgewood. To date, over $7.3 million has been given to hundreds of deserving organizations. Assistant Branch Manager, Catherine Grinkin stated, “Our customers remain loyal to the Bank because we provide the products and services they need with a personal touch.” As a full service commercial bank, Atlantic Stewardship Bank offers a wide range of business services, including a variety of electronic services to make banking more convenient for business customers. Among the services offered are business online banking, remote deposit capture and online payroll processing, each allowing the business customer to save both time and money. The bank also offers business checking accounts, commercial loans and lines of credit, commercial mortgages, credit card merchant services and more. The Atlantic Stewardship Bank maintains 13 branches in Bergen, Morris and Passaic counties. For more information about Atlantic Stewardship Bank, you are invited to visit the Bank’s website at www.asbnow.com or call 201-444-7100. October 12, 2011 THE VILLADOM TIMES II • Page 15 Annie Hung-Scanga of ATO Capital LLC nnie Hung-Scanga, founder of ATO Capital LLC in Ridgewood, is committed to helping her clients realize their long-term financial goals. She takes time to get to know each individual and applies sophisticated money management strategies tailored to their individual needs and tolerance for risk. “I believe it is important to look at every aspect of a client’s financial situation, from their budget to their estate plan,” Annie says. “That’s my approach to giving truly customized, comprehensive financial planning advice.” Annie shares her expertise in the areas of money management, retirement planning, estate planning, and education funding. Clients also benefit from her knowledge of the future tax benefits of today’s investment decisions. Annie established ATO Capital LLC in 2006. She has over 15 years of experience Annie Hung-Scanga in personal and business financial planning. She holds a Master’s of Business Administration in accounting from the State University of New York in Buffalo, and is a Certified Public Accountant in the State of New York and an Investment Advisor Representative. She is a sought-after speaker who has addressed many local groups and organizations, NYPD executives, EvaAirline Corporation’s New York branch, and the New Jersey Association of Women Business Owners. “Is it time for objective guidance to help you define your goals and develop a comprehensive financial plan?” Annie asks. For more information, contact Annie at (201) 694-6251, cahs@atocapital.com, or www.atocapital.com. ATO Capital LLC is located at 589 Franklin Turnpike. Annie Hung-Scanga is a Registered Principal with Cambridge Investment Research, Inc Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and ATO Capital are not affiliated. A ince the Ridgewood Chamber of Commerce was incorporated in 1927, it has served the village continuously. It acts as a public relations counselor, a representative to local government, a problem solver, an information and resource center, and a coordinator of business and professional programs on promotions. The Chamber promotes the maintenance of a dignified and successful business and professional district. Joan Groome is the Executive Director of the Ridgewood Chamber. She runs the day-to-day office activities, and supports all the Chamber events throughout the year including: Sidewalk Sale Days, Farmers Market, Fall Car Show, Easter in Ridgewood, Restaurant Week, Women Have Heart, Downtown for the Holidays, and the Joan Groome Ridgewood Rewards Card. Joan is always working on ways to help Chamber members create ways to meet and greet each other in the business community. On the Chamber website www.experienceridgewood.com you can find networking events that will fit into your work schedule: AM Networking, 8-9:30 a.m., have coffee and a bagel; PM Networking 5:30-7:30 p.m., join us for light refreshments and beverages, bring your business cards, and a 30 second-commercial. Recently Joan created Ladies Night out Networking. Business women meet once a month, exchange business cards, and begin partnerships, while enjoying cooking, shopping in Ridgewood at local stores, or a relaxing evening at Ethos Spa. From Ladies Networking has come another group of women who want to help other women in business: “Women Helping Women.” At this meeting, women share ideas and concerns, and help each other with suggestions, experiences, contacts, partnerships, connections, and much more. Ridgewood Chamber is located at 27 Chestnut Street. Call (201) 445-2600 or e-mail info@ridgewoodchamber.com. Hours are weekdays from 9-5. The Ridgewood Chamber of Commerce: an institution in Ridgewood for 84 years S wood often hear patients say, “I didn’t know chiropractic could help with that!” “It’s not uncommon for a patient to come in complaining of neck or lower back pain,” the doctors say. “After a month or so of chiropractic adjustments, when their pain is gone, they will mention that their allergies or knee pain seem to be better, and ask if it’s a coincidence. The answer is no! When your Dr. Mary Ann Fiscella and Dr. Louise DiGia spine is in alignment, and your nervous system is working at 100%, your body can heal itself! “Besides allergies or joint pain, patients have told us they: sleep better and have more energy, fewer asthma symptoms, better digestion, fewer ear infections, improved resistance to colds and flu…The list goes on and on. “As chiropractors, we are not surprised by these stories. When we correct a misalignment (subluxation) of the spine, the nervous system works better and our bodies can work the way they were designed to. During a chiropractic exam, we check the spine for subluxations, which interrupt the flow of nerve impulses throughout the body, and can interfere with your body’s normal functions. “As experienced mothers, we understand firsthand the important role that chiropractic has played in the lives of our children. They have received regular chiropractic adjustments since birth from us, or their dads (who are also chiropractors). All five children remain healthy and drug-free. “In our 20 years of practice we have seen patients in all stages of life: pregnant moms, newborns, teens, adults, and seniors. Often we care for two or three generations within the same family.” The doctors welcome area residents to schedule a no-obligation visit that includes a complete history, chiropractic exam, and X-rays (if necessary) with this ad. The value of these services is $220. Offer valid until October 31, 2011. Call (201) 4446656 to schedule a complimentary visit. FCR is at 89 North Maple Avenue, across from Kings, and is open Monday, Wednesday, Friday, and Saturday. Family Chiropractors of Ridgewood Ann Dr. MaryLouiseofFiscella and Dr. DiGia of Family Chiropractors Ridge-