DAYCARES AND NURSERY SCHOOLS 

BERKELEY HEIGHTS
Berkeley Heights YMCA Preschool
550 Springfield Avenue
908-464-8373
Ages: 31/2-5yrs. 

Diamond Hill Montessori School
105 Diamond Hill Road
908-464-5051
Ages: 21/2-5+ yrs. 

Westminster Nursery School
725 Mountain Avenue
908-464-4880
Ages: 3 & 4 yrs. 

CHATHAM 

The Darcy School
700 Shunpike Road
973-410-0400 EXT 15atham Methodist Nursery
460 Main Street
973-635-5261
Ages: 3 and 4 yrs. 

The Gingham Giraffe Preschool
234 Southern Boulevard
973-635-0033 

Little Friends Day School
322 Main Street
973-701-0202 

Long Hill Christian Preschool of Chatham
525 Shunpike Road
973-377-3336 

Montessori Children's Academy
Odgen Memorial Church, Main and Elmwood
973-665-0071 

Sprout House
200 Main Street
973-635-9658
Ages: 21/2-6yrs. 

St. Patricks Preschool
45 Chatham Road
973-635-4623 

Stanley Congretational Nursery School
94 Fairmount Avenue
973-635-0755 

Teddy and Me Too
300 Shunpike Road
973-635-1500 

MADISON 

The F.M.Kirby Children's Center
Madison YMCA 54 East Street
973-377-4945 

Madison Community House
25 Cook Avenue
973-377-0244 

Madison Cooperative Nursery School
4 Madison Avenue
973-377-2501 

Madison Montessori School
19 Green Avenue
973-966-9544 

Montessori Children's Academy
24 Madison Avenue
973-410-9669 

Rainbow Montessori School
Green Village Road
973-377-8313 

St. Vincent Martyr School
26 Green Village Road
973-277-1104 

MILLBURN/SHORT HILLS 

ABS School for Wee Folks
386 White Oak Ridge Road
973-379-2542 

Christ Church Nursery School
East Lane, Short Hills
973-379-6549 

Far Brook School
52 Great Hills Road, Short Hills
973-379-3442 

Montessori of Millburn/Short Hills
5 Bleeker Street, Millburn
973-379-4710 

Hedwig Gruenewald Nursery
School of Congregation B'Nai Israel
160 Millburn Avenue, Millburn
973-379-4040 

Millburn Co-op Nursery School
Taylor Park
951 Ridgewood Avenue, Millburn
973-379-2778 

Neighborhood House Nursery School
12 Taylor Street, Millburn
973-376-0739
Ages: 21/2-5yrs. 

Open Door Nursery School
432 Wyoming Avenue, Millburn
973-376-9303 

St. Rose of Lima
52 Short Hills Avenue, Short Hills
973-379-3973 

St. Stephen's Preschool
119 Main Street, Millburn
973-376-0688 

Temple B'Nai Jeshurun Rabbi
Barry H. Greene Early Childhood Center
1025 South Orange Avenue, Short Hills
973-379-1555
NEW PROVIDENCE 

Faith Nursery School
524 South Street
908-464-5177 

Josa Nursery School and Kindergarten
387 Maple Street
908-464-3311 

Our Lady of Peace
99 South Street
908-464-8657 

Presbyterian Church Nursery School
1307 Springfield Avenue
908-665-0951 

St. Andrews Nursery School and Kindergarten
419 South Street
908-464-4878 

Santa Fe Centers
1441 Springfield Avenue
908-665-1235
1496 Springfield Avenue
908-464-3848 

SUMMIT 

Central Presbyterian Church
Weekday Nursery School
70 Maple Street
908-273-0484 

Community Preschool at St. John's
587 Springfield Avenue
908-273-7208
Ages: 3-4yrs 

The Connection Preschool Potpourri
79 Maple Street
908-273-4242 

Cooperative Nursery Center of Summit
561 Springfield Avenue
908-277-1464 

Kent Place School
42 Norwood Avenue
908-273-0900
Ages: 3-5yrs 

Learning Circle YMCA
95 Morris Avenue
908-273-7040 

St. Teresa of Avila Preschool
306 Morris Avenue
908-277-6043 

Summit JCC Nursery School
67 Kent Place Boulevard
908-277-6043
Ages: 16 mos-kindergarten 

Summit MYCA Nursery School
67 Maple Street
908-273-3330
Ages: 3-4yrs 

SuperKids Childcare and Learning Ctr.
2 Broad Street
908-598-8383 

Wesley Center for Preschool Education
17 Kent Place Boulevard
908-277-1700 

Zadie's Nurturing Den
1 Walnut Street
908-277-8584
Ages: 6 weeks-7yrs. 

INDEPENDENT SECONDARY SCHOOLS 

CHATHAM 

The Darcy School
700 Shunpike Road
973-410-0400
Coed - Grades Pre K-8 

St Patrick's School
45 Chatham Street
973-635-4623
Coed - Grades Pre K-8 

MADISON 

Bayley-Ellard High School
205 Madison Avenue
973-277-2486
Coed - Grades 9-12 

St. Vincents Martyr School
26 Green Village Road
973-377-1104
Coed - Grades Pre K-6 

MILLBURN/SHORT HILLS 

Far Brook School
52 Great Hills Road
973-379-3442
Coed - Grades Pre K-8 

Pingry - Short Hills
Campus - Lower School
Country Day Drive
973-379-4550
Coed - Grades K-6 

St. Rose of Lima
52 Short Hills Avenue
973-379-3973
Coed - Grades Pre K-8 

NEW PROVIDENCE 

Our Lady of Peace School
99 South Street
908-464-8657
Coed - Grades Pre K-8 

SUMMIT 

Kent Place School
42 Norwood Avneue
908-273-0900
Girls - Grades K-12 

Oak Knoll School of the Holy Child
44 Blackburn Road
908-522-8151
Boys - Grades K-6 & Girls - Grades K-12 

Oratory Preparatory School
1 Beverly Road
908-273-1084
Boys - Grades 7-12

Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.

Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.

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