LifeStyle
By Nick Valinote
By Nick Valinote
Wow, what a summer! We had some great weather, and I’m looking forward to it continuing into the fall. It is my pleasure to welcome some new marketing partners to our Lifestyle family. Nutriamed — owned and operated by Dr. Samar Bursheh — offers a holistic approach to a wholesome lifestyle, including healthy cooking classes, lifestyle medicine, fitness classes, nutrition, weight loss, and vitamin therapies. We would also like to introduce you to Conservatory Cannabis, located in Egg Harbor Township. Owners Kayla and Jon have spent six years refining their new dispensary, from the application process to the installation of the beautiful marble floors that greet you upon entering. You'll love the convenience of online ordering, along with their offshore location offering local hand-crafted products. And with the holidays just around the corner, we want to direct you to the Cutco ad on page 24. One of our passions here at Lifestyle is supporting students and youth causes. Student Dean Winkworth can make your culinary dreams come true with a new set of knives from Cutco, while helping him earn credit towards a scholarship.
If you'd rather take a night off from cooking, then check out Atlantic City’s Restaurant Week on page 38, running from October 6-11. Another great event to add to your calendar is the 7th Annual “Come Experience the Magic,” hosted by the Diabetes Training Camp. This event includes a performance by The Usual Suspects at the Hard Rock Hotel and Casino on November 15th. Scan the QR code on page 32 for tickets.
Speaking of great food, we also want to formally introduce you to a group that many of you have seen over the years on our social pages: The Epicurean Society of Southern New Jersey. This generous group combines gastronomy and charity through scholarship.
Also in this issue, writer Danielle Gomes helps us craft your perfect wine cellar. With a little help from Michael Bray from Passion Vines, he advises us on stocking it up. While we’re on the subject of wine, you must attend the MS fundraiser “The Right Notes” at Great Bay Country Club on October 3rd. If you have a passion for wine, you'll love this tasting. And if you don’t know much about wines, you'll be intrigued. Scan the QR code on page 22 for tickets, and smile for our camera at the event.
All this and so much more can be found on the pages of New Jersey Lifestyle Magazine, including features on trendsetting fashion, the future of healthcare, a new hybrid car by Lexus, and eco-conscious artwork by local artist Michael Clineman. Also, enjoy our travel feature about Portugal, and of course, our most popular section that everyone loves — our Social Pages. We hope you can join us this fall at some of the many great upcoming events. Please sign up for our emails to stay informed about special events and offers from our partners at NJLifestyleMag.com, and look for us on social @NJLifestyleMag.
Nick Valinote, Publisher
To advertise, call 609.513.0813 or email NJLifestyleMag@gmail.com
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On the cover: Vondria Dress, available at trishapatersoncollection.com
Eco-Luxurious
We explore the Lexus NX350h and NX450h+.
Olá Portugal
Travel to this captivating European gem.
Let’s Do Dinner
Discover the Epicurean Society of Southern NJ.
Fashion
Dive into Autumn with timesless trends.
Home & Design
Crafting your dream wine cellar.
Wine
Stocking your wine cellar.
Health Watch
Embracing new digital technology.
Art
The eco-conscious art of Michael Clineman.
Social
Pictures from the latest events.
Area Restaurants
Details on local venues.
The people who make it great.
Darla Scarduzzio Creative Director
Darla has been an integral part of NJ Lifestyle Magazine since 2004. From sales to publishing to graphic design, she has experienced all aspects of the industry.
Robin Stoloff Health Reporter
Robin has been a local health reporter since 1986, and hosts Living Well on Lite Rock 96.9, and a weekly podcast by the same name. Visit her at livingwellwithrobinstoloff.com.
Molly Golubcow Writer
By day, Molly has been a technical writer for over 20 years. By night, she escapes the world of “Press Enter” to write about anything other than technical subjects.
Michael Cagno Artist, Writer
Michael is the Executive Director of the Noyes Museum of Art of Stockton University, V.P. of the MidAtlantic Association of Museums, and an artist.
Felicia L. Niven Contributing Writer
Felicia has been writing professionally for more than 3 decades. Her passion for exploring new subjects is reflected in each feature story she crafts.
Sandy Sardella White Online Writer
Sandy is rediscovering her beloved hometown at the shore after living in Boston for years. She’s been a writer for the Boston Herald, Harvard Health and the Philadelphia Inquirer
Michael Bray Wine Writer
Michael is the founder of and director of operations at Passion Vines Wine & Spirit Company in Somers Point and EHT. He serves on numerous local boards.
Danielle Gomes Contributing Writer
Danielle is an author, freelance writer and brand marketing specialist. Her nationally featured work has won numerous awards. She lives in Margate with her husband and two sons.
Dennis Hayes & Lisa Johnson
Dennis’ passion is learning the secrets of preparing good food, traveling the world, and living life to the fullest. Lisa is a TV journalist from Vegas, Philadelphia, and A.C.
Kristian Gonyea Photographer
Kristian’s 15+ years of photography has appeared in various newspapers and magazines. His love of South Jersey has blossomed into his most recent works, sunrises and sunsets.
Gary Monterosso Craft Beer Writer
Gary is an award-winning critic who has written for national and regional publications. Gary has appeared on many television programs discussing craft beers.
Paul Dempsey Photographer
From expressway billboards to European fashion magazines — Paul’s photography is fresh, unique, and intentional. His photos tell the stories that need no words.
PUBLISHER
Nick Valinote
CREATIVE DIRECTOR
Darla Scarduzzio
CONTRIBUTING EDITOR
Lisa Johnson
CONTRIBUTING WRITERS
Linda Arceo
Michael Bray
Michael Cagno
Molly Golubcow
Danielle Gomes
Dennis Hayes
Gary Monterosso
Felicia L. Niven
Marjorie Preston Matt and Tom Reynolds
Robin Stoloff
Sandy Sardella White
PHOTOGRAPHERS
Tom Briglia/PhotoGraphics
Paul Dempsey
Kristian Gonyea
Violet Karyn
Harry Purdy
Shaun Reilly
Nick Valinote
Eric Weeks
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Dive into autumn where every piece you wear tells a story of creativity, craftsmanship, and timeless beauty. Whether you’re dressing up for a special occasion or adding a touch of chic to your everyday look, these items are sure to turn heads and leave a lasting impression.
By Darla Scarduzzio
As the crisp air of fall begins to settle in, many of us eagerly anticipate the season’s transition, bringing with it a fresh wave of style inspirations. This autumn, fashion takes a bold step forward, embracing rich textures, deep hues, and intricate patterns that capture the essence of the season. Think luxurious fabrics like velvet and wool, adorned with captivating prints and elegant embroidery. Footwear also takes center stage with statement heels, providing both style and comfort. Whether it’s a cozy turtleneck dress for a sophisticated daytime look or a striking jacket and pant ensemble for an evening out, this fall promises to be a celebration of creativity and timeless elegance.
This chic top seamlessly blends elegance with a modern edge. Featuring a sophisticated design with a unique racerback cut, this top is perfect for making a statement at any event. Pair it with tailored pants or a sleek skirt for a polished ensemble that transitions effortlessly from day to night. $325 at trishapatersoncollection.com
A stunning blend of modern artistry and timeless elegance. This dress features a captivating brushstroke swirl pattern that evokes the fluidity and dynamism of abstract art. Whether worn to brunch with friends, or an elegant dinner, this dress is sure to turn heads and leave a lasting impression. $318 at gilnerfarrar. com
This stunning dress captures the essence of modern elegance. Featuring a vibrant and dynamic color wave pattern that creates a mesmerizing visual effect. Perfect for formal occasions or a sophisticated evening out, this dress is a testament to contemporary style and timeless beauty. $765 at trishapatersoncollection.com
This short dress is a playful yet sophisticated addition to any wardrobe. Featuring a delightful rose pattern that adds a touch of romance and whimsy to its design. The short, flirty silhouette is perfect for fall outings, evening
parties, or casual chic events. $525 at trishapatersoncollection.com
The Trisha Paterson Collection showcases an array of stunning dresses perfect for any occasion. The Sienna dress exudes timeless elegance with its sleek design and flattering fit. The White Party dress is a celebration of chic minimalism, ideal for summer soirées or sophisticated gatherings. For those seeking a touch of midnight allure, the Midnight Long Cami Dress offers a luxurious, flowing silhouette that drapes beautifully, exuding understated glamour. Lastly, the Fiesta dress brings a burst of vibrant energy with its dynamic colors and playful design, perfect for any festive event. Priced between $545 and $695 at trishapatersoncollection.com
Calle Ocho Sunglasses
Wearing sunglasses in autumn is not only a stylish choice but also a practical one. The Calle Ocho sunglasses feature polarized lenses that reduce glare from the lower angle of the sun during autumn months, enhancing visual clarity and comfort. $139 at mita-eyewear.com
Owen Jacket And Lexia Pant
This ensemble is the perfect combination for those seeking a blend of elegance, versatility, and modern style. Whether dressing up for a professional event or down for a casual outing, this pairing ensures you look effortlessly chic and impeccably put together. The Owen Jacket offers both comfort and durability. The rich camel hue exudes warmth and luxury, making it an ideal choice for any season. The Lexia Pant in Camel is versatile and timeless, making it a staple piece for any wardrobe. Jacket $289 and Pant $298 at gilnerfarrar.com
Livia Dress
A must-have for any fashion enthusiast. Its blend of classic denim appeal and modern design elements make it a versatile and stylish choice for the season. For a casual day out, pair it with ankle boots and a cozy scarf. Wear it to the office by layering it with a tailored blazer and heeled loafers. Head for an
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Fashion
evening out by adding statement jewelry and a sleek belt for a sophisticated touch. $289 at gilnerfarrar.com
Sofia Shoes
The Sofia shoe collection is the epitome of elegance and versatility. Whether you’re dressing up for a formal event or adding a touch of refinement to a casual look, these are a must-have addition to your wardrobe. $435 at dlacquaniti.com
Fiora Shoe
These shoes feature a striking fuchsia hue that commands attention, complemented by a nature-inspired design that exudes both creativity and sophistication. Whether you’re looking to add a pop of color to a neutral outfit or complete a bold ensemble, these shoes are sure to make a statement. $595 at dlacquaniti. com
Nikki Bag and Ida Shoe
The Nikki handbag in silver and the Ida blush pink shoes are the epitome of modern luxury and timeless elegance. Together, this duo creates a harmonious ensemble that showcases impeccable taste and style. Handbag $425, and shoes $535 at dlacquaniti.com
Chocolate Leopard Billow Blouse
A quintessential piece that embodies bohemian elegance and intricate design. This blouse features a captivating paisley pattern in rich navy hues, creating a timeless and versatile look. Ideal for both casual outings and more sophisticated occasions, pairing beautifully with Zimmermann’s wide leg jeans. View more patterns at zimmermann.com
Textured Dress
Get cozy in this turtleneck dress with its stunning embodiment of refined elegance and intricate design. The delicate textured pattern adds depth and sophistication to its classic silhouette. The tan hue enhances its timeless appeal, making it a versatile piece for various occasions, from elegant daytime events to sophisticated evening gatherings. The luxurious fabric with meticulous craftsmanship ensures a perfect blend of comfort and style. Available at zimmermann.com n
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Discover how to transform a small space into a wine lover’s haven, blending the art of wine preservation with smart investment strategies. From selecting the ideal location to choosing the right cooling system, you can build a wine cellar that not only enhances your home but also adds value to your collection and lifestyle.
By Danielle Gomes
According to the Global News Wire, the wine market is expected to reach $825.5 billion by 2030. Within that market, the fine wine trade is considered, by Forbes, a valuable investment to diversify your portfolio. That considered, at the end of the day, a night spent with good friends, good food, and fine wine is priceless.
If investing in a strong market or a good night has spurred your desire to start collecting wine, it may be time to consider adding a
wine cellar to your home. While adding a wine cellar to your home may seem like a significant investment of time, money, and space, it doesn’t have to be. A little space goes a long way. In fact, a 25 square foot area, just five by five, is enough to store 500 bottles of wine. However, before you pull out your hammer and nails, there are a few things to consider.
The Basics — What is a wine cellar?
A wine cellar is a temperature and humidity-controlled storage space designed to store wine bottles or barrels long-term. It differs from the more common wine fridge in that a
wine cellar is intended to preserve and help wine age over time. A wine cooler is excellent for less complex wines that will be consumed relatively soon as it keeps wines much cooler at proper serving temperature. In comparison, a wine cellar keeps wines at between 55 and 57 degrees Fahrenheit, with humidity controls, dark conditions, and limited vibrations. A cellar is designed to help complex wines develop and age well and is more geared towards the long term.
A wine cellar is a temperature and humidity-controlled storage space designed to store wine bottles or barrels long-term, and differs from the more common wine fridge and wine cooler.
Once you decide to invest in your winecollecting goals, you’ll need to settle on a space and a budget. Viable spaces include everything from hallways, foyers, unused closets, pantries, and areas under the stairs to entire rooms, basements, and garages. To help you decide on the space, you may want to consider your budget. A wine cellar can cost anywhere from $5,000 to more than $100,000 to build. Typically, the bigger the space, the higher the cost. However, when it comes to wine cellars, there are other factors that contribute to the budget as well. For example, is this a new build or remodel, how much
construction needs to be done, how much will have to be done to insulate and seal the space, and what type of wine cooling system will work best will also factor into the budget.
While it’s possible to DIY a wine cellar, it will be complicated and can be just as costly as a professional. Another option is to order a custom wine cellar based on your specifics. Then, you can either hire professionals to install it or install
While it’s possible to DIY a wine cellar, it will be complicated and can be just as costly as a professional.
Another option is to order a custom wine cellar based on your specifics.
it yourself. There are several companies available to source custom wine cellars. For example, Wine Cellar HQ and Wine Racks America will design a custom wine cellar for your space. These companies take your specific space, needs, and design aesthetic into consideration and then deliver a custom wine cellar typically within six to eight weeks.
Anyone who has had a good glass of wine knows that it’s something to be cherished. Cheers to your winecollecting and cellar adventures. Or, as Robert Louis Stevenson says, “Wine is bottled poetry.” n
A well-crafted wine cellar begins with understanding your goals and passions. We uncover essential questions and practical tips to help you start your collection, whether you're driven by curiosity, investment potential, or the sheer love of wine.
By Michael Bray
So you want to start a wine cellar? In my nearly twenty years of experience in wine retail, one of the most common questions I encounter is, "How do I start collecting wine?" The idea of starting a wine cellar can be both exciting and overwhelming, but with some guidance, you can embark on this journey confidently. In this column, I'll guide you through a series of essential questions that will help you clarify your goals and set you on the path to creating a collection that reflects your passion and taste.
Like any venture, success begins with clarity. What is your primary motivation for starting a wine collection? Are you doing it for fun, as a hobby to share with friends or your spouse? Perhaps you’re driven by a thirst for knowledge, eager to explore the rich history and culture of wine. Maybe you're drawn to the potential investment opportunities, imagining your collection appreciating in value over time (if you can resist the temptation to drink your investments!). Or could it be that you're simply following in the footsteps of friends who are already collectors?
Whatever your reason, it's important to identify your true motivation. This clarity will guide every decision you make, from the types of wine you choose to the pace at which you build your collection. Remember, there’s no right or wrong answer, but understanding your "why" will ensure that your collection aligns with your vision and brings you joy.
This question might seem straightforward, but it’s one that often surprises people. Depending on your goals and budget, your timeline for building a wine collection can vary significantly. Some collectors are eager to fill their wine cellar immediately, especially when moving into a new home with a custom-built cellar. However,
a rushed approach may mean missing out on rare and highly allocated wines that aren't readily available. On the other hand, some collectors prefer a slower, more deliberate approach, savoring the process of acquiring bottles over time.
Your timeline should reflect your personal circumstances and patience level. Are you willing to wait for the perfect bottle, or do you prefer the instant gratification of a fully stocked cellar? Understanding your timeline will help you manage expectations and plan your collection accordingly.
As with any investment, it’s essential to balance your aspirations with practicality. Your budget will play a crucial role in determining how you approach your wine collection. Some collectors work within a modest budget, purchasing a few bottles at a time and gradually building their collection. Others may have the means to buy an entire cross-section of wines from a particular region or country all at once.
It’s important to note that you don’t need a fivefigure budget to start collecting wine. Even with a modest budget, you can build a meaningful collection, especially if you’re willing to take your time. The key is to set a budget that works for you and stick to it, ensuring that your collection is both enjoyable and sustainable.
What’s Your Passion?
What types of wine do you love to drink? Is your heart set on Italian wines, perhaps from the renowned Piedmont region? Are you drawn to the elegance and complexity of Bordeaux’s first and second growths? Or do you prefer the bold, fruit-forward flavors of cult California wines like Screaming Eagle and Harlan Estate?
Understanding your passion will help you build a
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collection that reflects your taste and brings you joy. At Passion Vines, we offer cellar evaluation services, where we organize, inventory, and assess the value of wine cellars. Through this process, we often gain insights into a collector’s palate and preferences, which allows us to recommend wines that fill gaps in their collection. I encourage you to buy what you love, as your passion will ultimately guide the direction of your cellar. If your goal is education, your collection may be more diverse, while someone with a specific passion for Old World wines may focus more narrowly.
You might have noticed that I haven’t yet discussed the technical aspects of building a wine cellar, such as proper storage conditions (temperature and humidity), the ideal number of bottles, vintage selection, and age-ability. These factors are undoubtedly important, and we’ll address them in due course. However, I believe that the foundation of a great wine cellar lies in awareness — an understanding of your goals, timeline, budget, and passion.
My hope is that these questions have sparked your curiosity and inspired you to explore the world of wine collecting further. Wine collecting is not just about amassing bottles; it’s about embarking on a journey. Wine has the unique ability to transport us to different times and places, offering a taste of history, geography, and culture in every sip. It’s often said that wine is the fastest form of transportation, allowing us to explore the world from the comfort of our glass.
For those just starting, here are a few practical tips to help you along the way:
• Start Small: Begin with a few bottles that you love and build your collection gradually. This allows you to learn more about your preferences without feeling overwhelmed.
• Educate Yourself: Attend wine tastings, read books, and engage with the wine community. The more you know, the more informed your decisions will be.
• Keep Records: Maintain a log of your purchases, including tasting notes and any relevant information about the wine. This will help you track your collection and make informed decisions in the future.
• Stay Curious: Don’t be afraid to try new wines and explore regions or varietals that are unfamiliar to you. This will add depth and diversity to your collection.
• Enjoy the Process: Remember, wine collecting is a journey, not a race. Take your time and savor the experience.
In the world of wine collecting, there’s no one-size-fits-all approach. Your wine cellar should be a reflection of your personal taste, goals, and lifestyle. Whether you’re collecting for the love of wine, the thrill of the hunt, or the potential investment opportunities, the most important thing is to enjoy the process. Each bottle in your collection tells a story, and over time, your cellar will become a tapestry of memories, experiences, and passions.
So, take a deep breath, pour yourself a glass of your favorite wine, and start planning your wine cellar with confidence and enthusiasm. The journey is just as rewarding as the destination.
The Roost offers both indoor and outdoor dining with classic pub fare given an imaginative twist. Enjoy delectable dinner entrees, innovative cocktails, and stunning views of the golf course and sunsets over the natural pond. Check out our website to view the menus and see what’s coming up!
In recent years, technology has been reshaping healthcare remarkably, leading to better patient outcomes, increased efficiency, and more accessible services. Let’s dive into some of the most exciting new technologies and digital advancements making a massive difference in people’s lives.
By Robin Stoloff
If you’ve used telemedicine, you know it is a game changer. With a smartphone or computer, you can have a video consultation with your doctor from the comfort of your home. It was especially crucial during the pandemic, and it is a lifesaver for folks in rural or underserved areas who might not have easy access to healthcare.
Remote monitoring is another valuable development. Devices such as smartwatches and wearable sensors track heart rate, oxygen levels, and even glucose levels. A person with diabetes can use a glucose monitor (CGM) that sends blood sugar readings to his doctor. If his levels become dangerously high or low, the doctor gets an alert, potentially averting a severe health crisis. This realtime data means doctors can catch potential issues early and adjust treatment as needed, making healthcare more proactive rather than reactive.
Artificial intelligence (AI) and machine learning (ML) are becoming healthcare heroes, helping doctors diagnose diseases more accurately and quickly. These technologies can analyze massive amounts of medical data, such as scans,
pathology reports, and electronic health records, to find patterns that might be missed otherwise. For example, AI can analyze mammograms to spot early signs of cancer with remarkable accuracy.
Machine learning also aids in creating personalized treatment plans. By examining a patient’s genetic information and medical history, these models predict how they might respond to different treatments. This customized approach is precious in oncology, where targeted therapies can significantly improve outcomes and reduce side effects.
Revolutionizing how we treat disease, genomics, and precision medicine allows doctors to tailor treatments to an individual’s genetic makeup. This approach is particularly impactful in cancer treatment. For example, traditional chemotherapy can be difficult for a woman diagnosed with breast cancer. With genetic testing, doctors can prescribe a targeted therapy to attack the cancer cells without damaging the healthy ones, leading to a quicker and less painful recovery. This tailored approach is especially impactful in oncology, where it can significantly impact outcomes and side effects.
Pharmacogenomics, a branch of precision medicine, studies how genetic differences affect drug responses. This means doctors can prescribe medications that are more likely to be effective and have fewer side effects, improving overall treatment outcomes.
Robotic-assisted surgery is another fascinating advancement. These robots help surgeons perform delicate operations with pin-point precision through tiny incisions, which means less scarring, reduced pain, and faster patient recovery. Minimally invasive techniques like laparoscopic and endoscopic surgeries also benefit from these advancements. They help patients recover faster and reduce hospital stays, lowering costs and improving the overall patient experience.
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3D printing is revolutionizing healthcare by creating custom-fit prosthetics and implants. This technology ensures that medical devices are tailored to individual needs, improving their function and comfort.
Bioprinting is even more exciting. Like something from a science-fiction movie, scientists are working on printing living tissues and organs. While this technology is still in its early stages, the potential is enormous. Imagine a future where someone with a failing heart can receive a bioprinted organ customized for his body, eliminating the long wait for a donor match and potentially saving his life.
As we know, data breaches are all too common in today’s world. Health data security is a huge concern in our digital age, and blockchain technology offers a promising solution. Blockchain can securely store and share health records, ensuring only authorized individuals can access your information. For instance, if a patient sees multiple specialists, blockchain can securely share their medical history among doctors, enhancing care coordination and improving health outcomes. Its decentralized nature makes it nearly impossible to alter or tamper with data.
Augmented reality (AR) and virtual reality (VR) are no longer just for gaming; they’re making a significant impact in healthcare, too. AR can help surgeons by overlaying critical information in their field of vision during operations, enhancing precision and safety. For instance, during complex spinal surgery, a surgeon could use AR to see the patient’s anatomy in 3D, right over the surgical site. This allows the doctor to navigate the surgery more accurately, reducing the risk of complications.
VR is also making waves, especially in medical training and patient therapy. Medical students can practice surgeries in a virtual environment, gaining experience without any risk to patients. It can also help patients cope with chronic pain and reduce medications by
immersing themselves in relaxing virtual environments.
Locally, AtlantiCare embraces digital advancements as part of Vision 2030, a bold initiative with several goals, including technological improvements. In partnership with Oracle Health, AtlantiCare will enhance care by reducing paperwork, simplifying appointment scheduling, and providing patients with easier access to their health records. They will also streamline paperwork for clinicians, allowing them more time for patient care.
According to Jordan Ruch, CIO for AtlantiCare, “AtlantiCare’s collaboration with Oracle Health and our Vision 2030 focus on integrating innovative technologies marks a significant advancement for healthcare in our region. The extensive implementation of Oracle Health products involves the deployment of 20 new major solutions and over 60 capabilities on a phased timeline, with foundational work already underway. One of the key objectives of this initiative is to lessen documentation burdens and optimize face-to-face interactions with our patients, with the ultimate goal of enhancing clinical excellence in our region.”
The integration of cuttingedge technologies and digital advancements is revolutionizing healthcare, providing unprecedented opportunities to enhance and save lives. Innovations such as telemedicine, AI-driven diagnostics, and precision medicine are elevating the quality of care, broadening accessibility, and leading to better patient outcomes. As these technologies evolve and become embedded in everyday medical practices, their potential is limitless. From precise surgical techniques and advanced chronic disease management to personalized treatment plans, technology is poised to make a profound and lasting impact on our health and well-being. n
Explore the refined elegance and advanced performance of the Lexus NX350h and NX450h+ — delivering impressive fuel efficiency, top-tier safety features, and unparalleled comfort, all while showcasing a sleek, dynamic design.
By Molly Golubcow
When Lexus was founded in 1989, the high-end auto manufacturer combined the words for luxury in Latin (luxus) and French (luxe) to create their highly sought-after brand name. As a result, Lexus continues to symbolize “elegance and sumptuousness” in their design and amenities. In 2025, car buyers still insist on luxury, but fuel efficiency and eco-friendly options also factor into their car buying needs — especially in SUVs. Here’s where the Lexus NX series steps in (or should we say, “drives in”). In addition to its two traditional gas engine models (NX250 and NX350), Lexus offers a hybrid (NX350h) and a plug-in hybrid (NX450h+) to complete the NX line.
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Although similar in appearance, comfort, and amenities, let’s take a detailed look into the hybrid and plug-in hybrid versions to see what Edmunds describes as an “allaround solid compact luxury SUV boasting an upscale, high-quality interior and plenty of standard driver assist features.”
Performance Technology
Toyota, the automotive birth mother of Lexus, knows a thing or two about hybrid engine technology. After all, the Toyota Prius was the world’s first mass-produced hybrid vehicle. Today, Lexus hybrids and plug-in SUVs rule the road.
The NX350 h (“H” for Hybrid) charges its battery through regenerative braking and the internal combustion engine — no separate charging is required. So, what does that get you? Let’s start with impressive mileage stats: 41 City MPG (estimate) and 0–60 MPH in 7.2 seconds with 240 net combined horsepower. The raceinspired paddle shifters and Drive Mode Select (ECO, Normal, Sport, and EV modes) also add to the performance in the hybrid and plugin models.
Looking for a little more pep from your peddle? Lexus touts the NX 450h+ Plug-in Hybrid as a fast and powerful option performing 0–60 in 6.0 seconds with an impressive 304 net combined horsepower. As for driving range, the NX 450h+ Plugin Hybrid delivers a manufacturerestimated all-electric range of 37 miles. In addition, it comes standard with a 3.3-kW onboard charger that charges the battery in about 4.5 hours using a 240-volt home outlet or a Level 2 charger.
Along with get-up-and-go power, you can count on safety in both versions of the NX hybrids. For example, the hybrid and the plug-in offer a list of Lexus Safety Systems including a PreCollision System with Pedestrian Detection and Intersection Support, Lane Departure Alert with Steering
Assist, Intelligent High Beams, and Blind Spot Monitor with Rear Cross-Traffic Alert — all via a high-definition camera.
Inside, luxury and comfort are at the forefront. From an elliptical grip steering wheel designed to better fit the human hand to the comfy, bolstered front sport seats, the NX series strives to pamper. And speaking of seats, front and rear heated seats are standard features.
To add an extra touch, multimedia options provide seamless and handsfree access to the Mark Levinson® PurePlay Surround Sound with Clari-Fi® and innovations like a color Head-Up Display and Digital Rearview Mirror. Another Lexus touch of convenience is Apple CarPlay® — a smart and safe way to use your iPhone® while driving. Through an innovative built-in display, get directions, make calls, send/receive messages (via Siri®), and listen to music while staying focused on the road.
In addition to comfort, the NX hybrid and plug-in help you get in and out of tough spots — literally. The Available Advanced Park feature controls steering, acceleration, and braking when parallel parking or getting in/out of a perpendicular parking spot.
From any angle, the “dynamic exterior” of a Lexus SUV, hybrid or plug-in hybrid, catches your attention. Both models emphasize a long and wide stance and impressive 20-inch wheels. Additional luxury icing to the Lexus cake includes a retractable panoramic glass roof that adds more natural light and a feeling of spaciousness to the cabin. Another distinct Lexus look is the “L” shaped lamps on the rear fender, bookending a full-width blade rear lamp that continuously stays illuminated at night. Also standard in both the NX hybrid and plug-in models is the power rear door with a kick sensor. You can still open or close the rear door manually (touch or fob), but for ease and convenience, kick your foot under the sensor, and, voila, the rear door opens and closes, giving you a hands-free option. n
From historic Lisbon and charming Porto to the stunning Algarve, discover why this European gem captivates tourists and expats alike.
By Molly Golubcow
Just because Hollywood A-listers like Madonna have homes in Portugal is not reason enough to visit this European gem. Portugal has always offered much to see and do way before the paparazzi arrived — a long and rich history, fabulous architecture, and wonderful local food and drink. So, why has today’s tourist world fallen madly in love (as in completely ga-ga) with Portugal? In the last 10 years, travel to Portugal has skyrocketed — especially with American visitors. In 2023, Portugal welcomed over 30 million visitors — breaking its previous tourism records.
Avid travelers, Sue and Bruce Kaminsky are two of the many tourists who recently discovered the charms of Portugal. Kaminsky talks about how she and her husband “loved” touring the cities, “Lisbon is a fabulous city with walkable flair surrounded by historical buildings and the ocean. Porto is a hidden gem that should be on your bucket list, we enjoyed visiting a winery there. Don’t forget Sintra, a short train ride that made for a great day trip!”
Portugal’s popularity has not gone unnoticed by local tour operator Josh Cutler, Director, JBC Travel & Tours. Cutler explains, “I recently spent a week in Portugal and will be returning with a group in September. After experiencing it firsthand, it is easy to understand why Portugal has become the new “hot spot” in Europe. It is a full sensory experience that goes beyond sightseeing.”
As the capital of Portugal, Lisbon offers many sightseeing options in its diverse neighborhoods ranging from quaint Alfama to trendy nightlife in Bairro Alto and the “Pink Street” in Cais do Sodré. And, regardless of what neighborhood you find yourself in, always be mindful of Lisbon’s rich architecture — from Moorish tiled arches to ornate Baroque facades that echo Portugal’s past.
If you are into shopping, the upscale Chiado neighborhood
has become known as a shopper’s paradise — from trendy boutiques to local goods. For book lovers, a must-see in Chiado is Livraria Bertrand — the oldest bookstore in the world. After you purchase a book (or two), venture into the back and enjoy a cup of coffee in the literary-inspired café.
Speaking of food and drink, Lisbon has something for everyone’s taste buds. For foodies, The Time Out Market in Cais do Sodré, a gourmet food hall featuring 26 restaurants, eight bars, and a dozen shops, is a gastronomic treat. And, do NOT leave Lisbon without sampling signature foods like pasteis de nata — an egg custard tart pastry. Another way to sample the dessert is to take a pasteis de nata baking class where you can create your puff pastry from scratch.
In addition to Portuguese-centric food, Fado is synonymous with Lisbon. The traditional Portuguese music genre features acoustic music with melancholy lyrics about loss, longing, and sadness. Find a Fado spot while enjoying an after-dinner cocktail, or book a table that serves dinner and Fado at the same time.
By land, sea, or air, Porto charms its visitors. A walking tour through Porto’s cobblestone streets takes you to iconic landmarks including the majestic Sao Bento Railway Station, the bustling Bolhao Market (from fishmongers to florists), and the historic Ribeira district — for architectural lovers, a must.
Because Porto sits at the mouth of the Duroro River, booking a Douro Valley River cruise is a great way to see the sights. The tour makes several stops at local wineries along the way where you can sample Portugal’s famous wines like Port (ruby or tawny) named after the city, of course.
Finally, take in Porto from the Gaia Cable Car. From the highest point, admire the river as well as the red roofs of the port wine cellars
from a bird’s eye view.
Portugal Permanently
In addition to breaking tourism records, Portugal has attracted people looking to relocate permanently. In 2021, the number of Americans living in Portugal rose 45% from the previous year. According to Forbes Magazine, Portugal was listed as one of the most recommended countries to relocate to for expats and retirees.
These stats have not gone unnoticed by Craig Gardner and Pete Costantino — New Jersey residents making the move across the Atlantic. Why? If you ask Gardner and Costantino, the answer would be similar to that of the 10,000 plus Americans currently residing in Portugal.
Gardner explains their decision, “Beyond its natural beauty, we cherish Portugal for its friendly people, excellent healthcare, freshcaught seafood, lower cost of living, and high level of safety. The absence of guns and very low crime rates foster a profound sense of peace and security. Portugal’s commitment to clean energy, with its extensive use of solar and wind power, further enhances its appeal. It truly has everything we could hope for in a new home.”
Although Lisbon and Porto caught their attention, their hearts were completely captured by Algarve’s sandy beaches, charming restaurants, and stunning water views. Gardner also fell in love with the “remarkable kindness” Portuguese locals show newcomers. Although most people speak English, Gardner plans to immerse himself in the new culture and language.
“Out of respect for the culture, we encourage making an effort to learn the language, especially the simple yet powerful Obrigado (thank you). A heartfelt Obrigado and a smile are more than just words here [Portugal] — they are a way of life, opening doors to endless possibilities.” n
By Michael Cagno
Now part of the U.S. Department of Commerce, The National Institute of Standards and Technology (NIST) was founded in 1901 with a mission “To promote U.S. innovation and industrial competitiveness by advancing measurement science, standards, and technology in ways that enhance economic security and improve our quality of life.” Similarly, New Jersey artist Michael Clineman is on a mission of innovation and artistry by repurposing surfboards and wetsuits that are made from “forever chemicals.”
Invites You
to the Noyes Arts Garage of Stockton University to Celebrate Bay Atlantic Symphony’s 42nd Season and Celebrate the the Glory of the Roaring '20s in America's Favorite Playground
Wednesday, September 25, 2024
The Noyes Arts Garage of Stockton University 2200 Fairmount Ave, Atlantic City, NJ 08401
6 pm – 8 pm
Cocktails (wine/beer) Hors d’oeuvres
Music and Silent Auction
Ticket Donation: $125 per person
INCLUDES A FREE TICKET TO A CONCERT
Our Master of Ceremonies is Jim Donovan of CBS 3 News!
Ladies are invited to come dressed in flapper attire; Men are encouraged to wear Fedoras, Zoot suits and/or wing-tipped shoes.
SEND CHECKS TO: 1616 Pacific Ave, Suite 308 Atlantic City, NJ 08401 BayAtlanticSymphony.org
Due to their significant ability to resist heat and chemical changes, neoprene, fiberglass, and polyurethane foam break down slowly, naming them “forever chemicals.” The foams can easily leak into nearby water and soil and affect the surrounding ecology, raising concerns about their link to adverse health effects such as certain cancers.
With over four decades of surfing experience, Michael’s passion is transforming surfboards into art, contributing to environmental conservation. His journey began with a profound experience at the former House of Blues in Atlantic City, where he was exposed to a vast collection of outsider folk art. Meeting the artists and understanding their connection to their work inspired Michael to merge his love for surfing and the environment into his art, which he fondly refers to as ‘Surfboard Taxidermy.’
For every artist, inspiration strikes in its unique way. For Michael, it comes to him while he’s out on the water, surfing. “There’s a lot of quiet time between the sets of waves. It’s a perfect opportunity to sit, clear your mind, and let your thoughts wander while you rise and fall on the swells. I often think about the boards I have in the garage during these moments. When I get home, I’ll pull out an old-school black-and-white composition book and start sketching my ideas. I try to capture the feeling more than the visual. The sketches evolve and get transferred onto the face of the surfboard, and then the carving begins, layer by layer. Once the final details are in place and the desired textures are conveyed, it’s time to paint, seal, and hang the finished piece.”
The best boards for most of his sculptures are thick in the chest and tail. The foam core must be in relatively good condition. Once the foam “yellows” from the sun or
deteriorates from exposure to salt water, you can’t really get much out of it. It won’t carve without crumbling, and the hard sculpt coating will not adhere properly. Michael sources his boards from surfing buddies to putting a call out on social media. Living near the coast, the odds of a garage having at least one unwanted board are high.
When asked how he balances the functional aspects of a surfboard with its transformation into a work of art, he said, “A surfboard is a work of art before I ever touch it. The surfboard shaper spends many hours perfecting the board’s curves, angles, and volume. The decisions they make about the surfboard’s dimensions are based upon years (sometimes decades) of experience riding boards that they have made.” Michael greatly respects the surfboard shapers and honors their talent by leaving critical indicators of their work in his finished pieces. For example, it could be a logo or signature, but more often, it’s something more subtle, like a “sharp rail or a concave tail that only an experienced surfer would recognize.” A strong connection is made in the material transformation between Michael and the original surfboard shaper.
“One of the things that makes me appreciate an artist the most is individuality. Micheal Clineman has that. I love his surfboard sculptures; not only does he have excellent artistry, but he is unique. I am a fan,” says Californian professional surfer/artist Corky Carroll.
On the aesthetic surface, Surfboard Taxidermy should be seen as art, but beneath the waves, Michael wants viewers to take a moment and reflect upon the urgent need to preserve the ocean and environment. It becomes a call to action: participate in a beach cleanup, donate to an organization that protects it, or reduce water usage. Michael’s Art is not just about aesthetics but also about inspiring action and change, making the audience feel motivated and inspired to contribute to environmental conservation. n
Check out more of Michael’s work on his website at mclineman.com, and on Instagram @clineman.surf.art.
Linwood’s premier waterfront Gold Coast neighborhood provided the setting for this year’s show house which was open for public tours. The stunning Cape Cod, aptly named ‘Pond of Hope Mansion’, is located in Linwood, adjacent to Off’s Pond.
St. Leonard’s Association Summer Soiree
Jeffrey and Dominique Reiff hosted this annual event in July for members of the the St. Leonard’s Tract.
A memorable evening was had at Memories in Margate as guests indulged in an array of wine, craft beer, and spirit tastings complemented by delectable hors d’oeuvres and sweets. A silent auction was held accompanied by live entertainment.
Attorney Kelli Prinz' birthday
June. Everyone enjoyed cocktails, hors d'oeuvres, dancing, and socializing.
The Epicurean Society of Southern New Jersey had an amazing time at Aroma Restaurant in Ventnor. The fabulous staff provided great food and service.
With more than 230 golfers participating in morning and afternoon play at the Atlantic City Country Club, Team JCC won the coveted trophy. Nearly $300,000 was raised to support the JFS and the JCC.
11th Annual "Make The Best Of It Bash"
This incredible event was held to honor Tara Miller while continuing her mission to fund research that has changed the odds for melanoma patients. For the second straight year, over $1 million was raised, which will go 100% directly to research.
Core Women’s Network held a summer poolside networking luncheon in July for a one-of-a-kind networking experience, Amalfi Coast style. This limited engagement event allowed guests to strengthen current bonds and welcome new friendships.
The RNS Cancer & Heart Fund held their annual luncheon at Great Bay Country Club in Somers Point. A silent auction included new and gently used handbags along with many other great items.
The chefs at Harbor Pines outdid themselves, presenting a series of courses that were as visually stunning as they were delicious. The evening was not just about the food, but also about the shared passion for fine dining and the joy of experiencing it together.
The MBCA Foundation held their annual Summer Mixer at Showboat Hotel to raise funds to beautify Atlantic City to make it a better place to live, work and visit. The evening included fantastic food, DJ, silent auction, lavish cocktails, and admission to the waterpark.
The Boys and Girls club of Atlantic City honored Lloyd and Liane Levenson for their contributions to the Chris Ford Memorial June Madness Basketball Tournament. The event was held at the Evolution Arena in Atlantic City.
CRA Financial in Northfield held its "Back to the 80's" customer appreciation party at The Lot at Tomatoes in Margate.
Discover how the Epicurean Society of Southern New Jersey promotes local restaurants through monthly dinners, using profits to fund scholarships for hospitality students. Under current president Ed Blake, the society has awarded nearly $80,000 in scholarships while fostering community and camaraderie among its members.
By Molly Golubcow
The art of living well and the art of dying well are one.
Epicureans present the Academy of Culinary Arts with a commemorative plate for an outstanding meal.
If you look back at the Epicurean Society of Southern New Jersey’s early days, figuratively and literally, the local foodie group started with small bites. In 1997, Ed Hitzel and his local dining scene magazine (along with friends Chef Bill Mcginity, Rob Ohlsen, and Jeff Schwartz) came up with the original idea. After a successful year of “tasting” at participating restaurants looking to promote their businesses, the organization went “full course” in 1998. Rather than offer buffet-style servings, the group decided to pay a restaurant for complete dinners, and then charge attendees more to make a profit. The group successfully formed into a 501 charity and then used the monies to award scholarships to local students.
That’s about the time that Ed Blake, the current President of the Society, came to the table. Blake explains the early days of the group, “I (with my contacts as a restaurant recruiter) started to find restaurants and expand and upgrade the buffets to dinners. We actively invited people who enjoyed dining out at various restaurants and charging a little more for dinners. We would bring in larger groups — our membership grew, and so did the profits.”
Blake, who “loves to give back to his community,” plans the monthly dinners. That means he selects the restaurant and then negotiates the details — price, menu, and other aspects. The selected restaurants are always local — from Atlantic City and Downbeach to a few miles offshore. Typically, the dinners take place on a Monday. The evening starts at 6:00 PM with a cocktail hour followed by a full dinner at 7:00 PM.
At the end of each dinner, the chef, managers, or owners are invited to meet the dinner guests. To show appreciation, the group presents the restaurant with an Epicurean Plate to be displayed in their establishment — acknowledging that their restaurant is approved by the Epicurean Society of Southern New Jersey. Blake explains, “I find the restaurants are interested in having our group. They find new diners coming back to their restaurant. They are, and so are we, supporting our scholarship program.”
Growing more and more popular, the Epicurean Society of Southern New Jersey has truly lived up to its mission for almost 35 years — to expose the dining community to the restaurant world while raising money to provide scholarships for students entering the Hospitality/ Food industry. To date, the group has awarded close to $80,000.00 in scholarships — roughly six $1,500 scholarships each year. Recently, the group expanded its generosity to include students who are not directly involved in Hospitality.
By attending the dinners, participating members not only support the local scholarship fund, but they enjoy an evening of good food and comradery. For example, the Hon. John Schultz and Gary Hill, long-time members, look forward to dining and socializing at the Epicurean events. Hill details as to why they participate, “The Epicurean Society includes the most amazing people and wonderful places to dine in our area. In addition, you establish new relationships and renew old friendships while truly giving back to the community through area scholarships and teacher grants. It’s just fun to belong.” n
To join, annual dues are $90.00 for a single membership, and $170.00 for a couple.
Non-members are welcome to attend a dinner for an additional cost offered to members.
For more information, contact Ed Blake at edblake@blakeandassociates.net.
Annata Wine Bar
216 Bellevue Avenue, Hammonton 609-704-9797 annatawinebar.com
Come in and enjoy Chef Matt's locally sourced, farm-to-table ingredients paired with international or regional wines.
Beach Plum
140 Stevens Street, West Cape May 609-459-0121 beachplumfarmcapemay.com
Immerse yourself in the beauty and farm fresh flavors of Beach Plum Farm’s Farmto-Table Dinner Series.
The Blue Pig Tavern
200 Congress Place, Cape May 609-884-8422 caperesorts.com
Tucked in the corner of Congress Hall, known for hearty breakfast, lunch and dinner favorites with farm-fresh ingredients.
Boiler Room
200 Congress Place, Cape May 609-884-6507 caperesorts.com
A unique underground pizzeria and nightclub. Serving up delicious brick-oven pizza, cold draft beer, and classic cocktails.
Chef Vola’s
111 S. Albion Place, Atlantic City 609-345-2022 chefvola.com
This James Beard Foundation-awarded restaurant has huge portions of food your grandmother would be proud of.
Knife & Fork Inn
3600 Atlantic Ave, Atlantic City 609-344-1133 knifeandforkinn.com
Over the past century, the Inn has led a long and colorful life making it an historically charged establishment in AC.
Cordivari’s Restaurant
3004 W. Brigantine Ave., Brigantine 609-264-5909 cordivarisrestaurant.com
Chef Jim Cordivari takes pride in presenting many original family recipes that originated in Italy.
Dougherty’s Steakhouse & Raw Bar
1122 Boardwalk, Atlantic City 609-340-6555 doughertyssteak.com
Dougherty’s Steakhouse allows steaks and chops to share the spotlight. Located in the historic Resorts Hotel & Casino.
Dock’s Oyster House
2405 Atlantic Ave., Atlantic City 609-345-0092 docksoysterhouse.com
Dock’s continues to blend the classic oyster bar feel with upscale dining and maritime touches.
The Brown Room
200 Congress Place, Cape May 609-884-8421 caperesorts.com
A stylish lounge occupying the same spot as Congress Hall’s first legal post-Prohibition cocktail bar. A unique and intimate vibe.
Capriccio Italian Restaurant
1122 Boardwalk, Atlantic City
609-340-6300 resortsac.com
Enjoy an Italian meal with excellent service, a mouthwatering menu, and spectacular views of Atlantic City.
The Ebbitt Room
25 Jackson Street, Cape May 609-884-5700 caperesorts.com
Rooted in a farm-to-table, farm-to-glass dining philosophy featuring the freshest ingredients from Beach Plum Farm.
Isabella’s Ventnor Cafe
4 S. Portland Ave., Ventnor 609-822-2477 isabellasventnor.com
A local staple serving breakfast, lunch, and dinner, influenced by Chef Ibis Gonzalezes Mexican origins. BYOB.
LaScala’s Beach House
1400 Ocean Avenue, Brigantine 609-266-7731 lascalabeachhouse.com
Your home away from home for Italian American with an ocean twist that you can’t get enough of.
Linwood Country Club
500 Shore Road, Linwood, NJ 609-927-6134 linwoodcountryclub.com
Now open to the public offering breathtaking views of the golf course and an upscale dinner menu.
101 East Maryland Avenue, Somers Point 609-927-6868 mexiquilanj.com
A culinary adventure that tantalizes taste buds and elevates spirits, placing tequila at the forefront of beverage offerings.
The Nizam’s 6725 US-40, Egg Harbor Twp., NJ 609-677-8829 thenizams.com
A fine-dining experience with an assortment of traditional food from India made with authentic herbs and spices.
The Pier House at La Mer 1317 Beach Ave, Cape May 609-770-4810 capemaylamer.com
Flavorful cuisine, locally sourced from local farms, creating a unique dining experience based on classic shore cuisine.
The Roost Pub & Grill
500 St. Andrews Dr., Egg Harbor Twp. 609-927-0006 harborpines.com
Serving freshly prepared food such as sliders, wings, flatbreads, chili lime shrimp kabobs and stuffed tater tots.
Rusty Nail
205 Beach Avenue, Cape May 609-884-0017 caperesorts.com
In the summer gather around the fire pit for a cold drink. When it cools down, come on in and sit by the indoor fireplace.
Saltwater Margate
9401 Ventnor Ave., Margate, NJ 609-289-8078 saltwatermargate.com
Pizza Gnocchi Bar ... come in and enjoy delish cocktails, award winning pizza and gnocchi and great music!
Smithville Inn
1 N. New York Road, Smithville 609-652-7777 historicsmithville.com
Enjoy scenic view dining areas, private dining rooms with fireplace, and formal banquet and wedding facilities.
Tomatoes
9300 Amherst Avenue, Margate 609-822-7535 tomatoesofmargate.com
Situated along the downbeach Margate Bayfront, the eclectic menu and lively bar scene are eclipsed by beautiful sunsets.
Washington Inn
801 Washington St., Cape May 609-884-5697 washingtoninn.com
Warm hospitality and exceptional New American cuisine. You’re sure to find comfort in the people and food.
Each year, the Trustees of the Social Security and Medicare trust funds provide detailed reports to Congress that track the programs' current financial condition and projected financial outlook. These reports have warned for years that trust funds would be depleted in the not-too-distant future, and the most recent reports show that Social Security and Medicare continue to face significant financial challenges.
The Trustees of both programs continue to urge Congress to address these financial shortfalls soon, so that solutions will be less drastic and may be implemented gradually.
Despite the challenges, it's important to remember that neither of these programs is in danger of collapsing completely. The question is what type of changes will be required to rescue them.
The fundamental problem facing both programs is the aging of the American population. Today's workers pay taxes to fund benefits received by today's retirees, and with lower birth rates and longer life spans, there are fewer workers paying into the programs and more retirees receiving benefits for a longer period. In 1960, there were 5.1 workers for each Social Security beneficiary; in 2024 there are 2.7, projected to drop steadily to 2.3 by 2040.
Payroll taxes from today's workers, along with income taxes on Social Security benefits, go into interest-bearing trust funds. During times when payroll taxes and other income exceeded benefit payments, these funds built up reserve assets. But now the reserves are being depleted as they supplement payroll taxes and other income to meet scheduled benefit payments.
Social Security consists of two programs, each with its own trust fund. Retired workers and their families and survivors receive monthly benefits under the Old-Age and Survivors Insurance (OASI) program; disabled workers and their families receive monthly benefits under the Disability Insurance (DI) program.
The OASI Trust Fund reserves are projected to be depleted in 2033, unchanged from last year's report, at which time incoming revenue would pay only 79% of scheduled benefits. Reserves in the much smaller DI Trust Fund, which is on stronger footing, are not projected to be depleted during the 75-year period ending 2098.
Medicare also has two trust funds. The Hospital Insurance (HI) Trust Fund pays for inpatient and hospital care under Medicare Part A. The Supplementary Medical Insurance (SMI) Trust Fund comprises two
accounts: one for Medicare Part B physician and outpatient costs, and the other for Medicare Part D prescription drug costs.
The HI Trust Fund will contain surplus income through 2029 but is projected to be depleted in 2036, five years later than in last year's report. At that time, revenue would pay only 89% of the program's costs. Overall, projections of Medicare costs are highly uncertain.
The SMI Trust Fund accounts for Medicare Parts B and D are expected to have sufficient funding because they are automatically balanced through premiums and revenue from the federal government's general fund. Still, financing will need to increase faster than the economy to cover expected expenditure growth.
If Congress does not take action, Social Security beneficiaries might face a benefit cut after the trust funds are depleted, based on this year's report. Any permanent fix to Social Security would likely require a combination of changes, including some of these.
• Raise the Social Security payroll tax rate (currently 12.4%, half paid by the employee and half by the employer).
• Raise the ceiling on wages subject to Social Security payroll taxes ($168,600 in 2024).
• Raise the full retirement age (currently 67 for anyone born in 1960 or later).
• Change the benefit calculation formula.
• Use a different index to calculate the annual cost-of-living adjustment.
• Tax a higher percentage of benefits for higher-income beneficiaries.
Addressing the Medicare shortfall might necessitate spending cuts, tax increases, and cost-cutting through program modifications.
While neither Social Security nor Medicare is in danger of disappearing, it would be wise to maintain a strong retirement savings strategy to prepare for potential changes that may affect you in the future. A financial planner could walk you through running a retirement planning scenario with a lesser social security benefit for your specific situation to help you devise a plan that you are comfortable with. n
Respectfully
Submitted CRA Investment Committee
Matthew Reynolds, CPA, CFP®
Robert T. Martin, CFA, CFP®
Jeffrey Hilliard, CFP®, CRPC®
Phillip Tompkins, CFP ®
Thomas Reynolds, CPA
Gordon Shearer, Jr., CFP®
Joseph McCaffrey, CFP®
AtlantiCare Cancer Care Institute is proud to announce its new affiliation with Cleveland Clinic Cancer Institute, connecting globally recognized cancer expertise to patients in New Jersey.
This affiliation offers our community unparalleled access to advanced research, clinical trials, tumor-review boards, and second opinions from world-renowned cancer experts without leaving the area.
Together, we are transforming healthcare in our region.
Cape May Court House • Egg Harbor Township
For more information, visit atlanticare.org/cancerexpertise or call 609-677-7299.