NJ Lifestyle Magazine Summer 2020

LifeStyle NEW JERSEY

SUMMER 2020

Summer Escape ON THE WATER • ZEN AND THE ART OF FLY FISHING AMAZING ALASKA • VEGGIES FOR DINNER

M Y L A G O S M Y W AY

C AV I A R C O L L E C T I O N S

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LifeStyle View

Moving Forward

T

he last few months have been a wild ride to say the least. The convergence of so many things has altered the way we live our lives and the people we share it with; i.e. our lifestyle. But like any adversity, we must pick ourselves up and try to resume our lives the best we can with the determination to overcome our challenges and to succeed. “Your life is your lifestyle” is a saying I use a lot. Our lives are not made up of the things we have, but the things we do and the people we do it with.

Moving forward, life will be different; hopefully more sensitive to those around us and to the internal and external struggles many deal with. I’m hoping we can all put ourselves in their place and be more patient and understanding as everyone adjusts to the changes around us. Living in a kind-hearted, caring world is a lifestyle I enjoy and one that centers on the most important things in our lives; the living things. Cars, boats, and travel are great, but it’s the people we share these things with that make it a great lifestyle. We here at New Jersey Lifestyle magazine have resumed our work to bring you the best things we can so you can share them with your friends and family to create the lifestyle that brings the most joy and happiness.

Nick Valinote, Publisher

In this issue, we explore the more remote activities and travel destinations that now seem more relevant than ever. Writer Dennis Hayes explores the solitude of fly fishing and Molly Golubcow takes us on the water to explore some new boats. For our dining feature, we order some vegetarian dishes to get that summer body back from the quarantine diet, and feature writer Danielle Gomes shows us some smart home items for automation and ease. And the social feature has some pre-mask photos, as well as some recent ones.

How to reach us

As you will notice, we’ve made some changes to the format to fit the new reality, just as I’m sure most of you have with your own daily format. And, like you, we are constantly striving for improvement. We would love your feedback on our magazine and welcome any suggestions you may want to share.

NJ Lifestyle Magazine is distributed exclusively by direct mail to the top 1% income earners in Atlantic and Cape May Counties.

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On the cover: Bennington center console R272 Fried tofu with sesame seeds

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CONTENTS DEPARTMENTS

54

We reveal local plant-based options that can please a full-time or part-time vegetarian’s palette.

FEATURES

On The Water........................................ 16

34

Zen and Fly Fishing.............................. 24

Lifestyle Fashion...................................... 6 Peace, love and denim.

A boat for every lifestyle.

Get lost in this magnificent sport of patience and comradery.

Amazing Alaska.................................... 34 Travel to the last frontier.

Veggies For Dinner............................... 54

Discover Alaska’s many exciting adventures.

Home & Design........................................ 12 Smart home makeover.

Lifestyle Business.................................... 22 Spotlight on The Forza Insurance Group.

Experience plant-based dining options in our area.

Lifestyle Wellness.................................... 28 Easing the struggle of living with dementia.

16

Health Watch........................................... 30 Throwing shade.

Enjoy your ideal escape on the water.

Lifestyle Art............................................. 40 Art is the prescription.

Lifestyle Entertainment........................... 44 Round 2 reinvented.

The Social Scene...................................... 48 Get the picture on the latest events and happenings.

Lifestyle Wine.......................................... 58 Summer wine journey.

Resource Gallery..................................... 60 Shop, dine, relax and support local.

Money Watch.......................................... 64 Changes affected by the CARES Act.

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LIFESTYLE | Summer 2020

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LifeStyle Contributors The people who make it great

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Summer 2020 |

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.

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.

Alyson Boxman Levine Editor, Writer Alyson is a former Manhattan writer and editor. Currently residing in Linwood with her husband and teenage son, she enjoys the area’s vast amenities with her family and friends.

Felicia Lowenstein Writer Felicia has been writing professionally on a wide range of topics for nearly three decades. In addition to feature articles, she also has authored nearly two dozen nonfiction children’s books.

Robin Stoloff Health Reporter Robin has been a local health reporter since 1986, and hosts Living Well on Lite Rock 96.9. Her professional mission is “empowering people to live a healthy life.”

Lisa Johnson & Dennis Hayes Dennis’ passion is learning the secrets of preparing good food, traveling the world, and living life to the fullest. Lisa is an award-winning TV journalist from Las Vegas, Philadelphia, and Atlantic City.

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.

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.

Michael Cagno Artist, Writer Michael is the Executive Director of the Noyes Museum of Art, V.P. of the Mid-Atlantic Association of Museums, and adjunct professor at three local colleges.

Eric Weeks Photographer Eric’s love of photography has won awards for many images throughout the years, along with a cover image for the Professional Photographers of America’s Loan Collection book.

Elaine Rose Writer Elaine was a staff writer for the Press of Atlantic City for nearly 22 years where she covered every subject except sports. Her work has won multiple awards.

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.

David Spatz Entertainment Writer David is an Emmy Award-winning host and a multi-media journalist with 45 years experience. His entertainment series, Curatin Call, is SJ’s only program to win an Emmy.

Don Kravitz Photographer Don is an entertainment photojournalist and special events photographer for national publications, as well as Getty Images, Miss America, and the city of Ocean City, NJ.

LIFESTYLE

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LifeStyle NEW JERSEY

MAGAZINE

Publisher

Nick Valinote

YOU’RE NEVER FAR FROM EXCELLENT LEGAL COUNSEL Helping Our Community to Emerge Stronger

Creative Director

Darla Scarduzzio Copy Editor

Alyson Boxman Levine Contributing Editor

Lisa Johnson Contributing Writers

Michael Bray Michael Cagno Molly Golubcow Danielle Gomes Dennis Hayes Alyson Boxman Levine Felicia L. Niven Matt and Tom Reynolds Albert Ringewald David Spatz Robin Stoloff Photographers

Paul Dempsey Kristian Gonyea Justin Tinel Nick Valinote Eric Weeks Online Media Information

www.njlifestyleonline.com

New Jersey Lifestyle is published by Nicholas & Partners. The entire contents of New Jersey Lifestyle are copyrighted and may not be reproduced without the express written consent of the publisher. Nicholas & Partners assumes no liability for products or services advertised herein. Nicholas & Partners reserves the right to edit, rewrite or refuse editorial material and assumes no responsibility for accuracy, errors or omissions. NJ Lifestyle Magazine and Nicholas & Partners assume no responsibility for writers opinions and contents. All correspondence should be sent to:

As the public health crisis continues to unfold, Archer is here to help you through unforeseen challenges. Our COVID-19 task force spans dozens of practice areas and industries, and is helping companies through a host of issues as they conduct business during this unprecedented time. From employment, health care and insurance to business counseling, family law and more, our attorneys are up to date on the latest regulations, legislation and developments, and will continue to provide the excellent client service that you have come to expect from us.

To learn more about our firm, contact Robert W. Bucknam, Jr., Esq. at 856.354.3025 or visit www.archerlaw.com

Nicholas & Partners P.O. Box 1183, Absecon, NJ 08201 Telephone: 609-513-0813 njlifestylemagazine@gmail.com njlifestyleonline.com

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LIFESTYLE | Summer 2020

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LifeStyle Fashion

Peace, Love & Denim

Denim Jumpsuit, Free People

Infuse some chic all-American style into your summer wardrobe. Plus, the perfect sandal for him.

By Alyson Boxman Levine

A

fter being sequestered indoors for months on end, everyone is ready to get outside and enjoy life again, albeit at a safe distance. As we begin to venture outdoors and back to everyday living, it’s time to give those shorts and yoga pants you’ve been donning for weeks on end a welcome respite … and put on something fashionable.

The 2020 runways were filled with new and exciting trends; but we had our eyes glued to a classic favorite: denim. This iconic, everyday staple had a huge presence on the runways — with every top designer showcasing the much-loved fabric in a variety of refreshing ways, including Bermuda shorts, vintage washes, and 1970s flares.

Denim was actually born across the pond in the French city of Nimes. The name “denim” derives from “de Nimes” meaning “from Nimes”. European tailors began weaving cotton together in a unique way, where the hidden white begins to push through the original blue, hence the denim fabric is blue on the outside and lighter internally. This innovative fabric became popular in the United States during the Gold Rush when Levi Strauss opened a shop in San Francisco. He began making durable denim pants for miners with big pockets for storing gold and, from there, the fabric has evolved to a mainstream fashion element. Join us as we share some of the biggest denim trends of the season. nnn All-Over Denim Are you looking for that one new garment to turn heads this summer? Try a one-piece jumpsuit with a fitted silhouette. A new take on utility, this fitted soft stretch denim jumpsuit from the Free People label features four patch pockets at front with defined waistline and back yoking detail in a skinny silhouette. You will love the zip front closure, long sleeve style, and the contrast stitching detail.

Free People is the ultimate destination for bohemian fashion, featuring the latest trends and vintage collections for women who live free through fashion, art, music, and travel. The brand offers a wide range of products — from apparel to accessories and beauty — all reflecting a high level of quality, invoking attributes of femininity, spirit, and creativity in its design, while creating the perfect festival clothing. More than a clothing brand, Free People aims to create a lifestyle that’s inclusive and sincere. nnn Chic White Denim Flattering for all body types, the Bermuda short has made a glorious and welcomed comeback this summer. This vacation-ready mid-rise short from the J BRAND label is crafted from their skinny 811 silhouette in their iconic denim, which lifts you up and sucks you in. Fitted through the leg and hitting just above the knee, the raw hems can be worn rolled or unrolled depending on your preference.

J BRAND creates denim and ready-to-wear pieces with an emphasis on

White Denim Shorts, J BRAND

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Denim Swimsuit, Solid & Striped

Flared Jeans, Veronica Beard

FASHION innovation and sustainability, and a keen awareness of the impact on the world at large.

The company is passionate in their belief that the person makes the outfit, not the other way around, and that passion drives them to constantly ideate, create, and innovate. The brand has collaborated with celebrities like Christy Turlington Burns — the star of their Spring 2020 campaign — Elsa Hosk, Cole and Dylan Sprouse, Kate Bosworth, and Stephanie Shepherd, whose exclusive design sold out in less than 24 hours. The brand’s recent creative partnership with supermodel and brand ambassador Elsa Hosk realized a sustainably minded capsule collection of forward denim and leather pieces that are beloved by the VIP set globally.

Denim Ruffle Top, FRAME

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LIFESTYLE

Denim Dress, A.L.C.

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nnn Stylish Swimwear It didn’t take us long to discover a denim swimsuit for the Summer of 2020 and, boy, did we find one with a beachin’ look! This sporty one-piece Raquel suit from the Solid & Striped label features a scoop neck and crisscross back, along with adjustable lace up details that begin at the hips.

Offering moderate coverage at the bottom, this will soon become your favorite suit to wear again and again.

From the sandy beaches of New York to the rocks of Capri, Italy, the Solid & Striped label adds nostalgic romance to the modern vacation. Conceived in 2012 in the aptly named beach town of Water Mill, New York,

by Isaac Ross, swimwear brand Solid & Striped is making waves.

Their products are made from the finest globally-sourced fabrics for those who value meaningful objects and experiences.

According to the company, “We

explore life with family, friends, and lovers and we always have some sand left at the bottom of our luggage. We believe what you wear on vacation inspires what you do on vacation, so discover your beach, pick your pool, and seek sun.” nnn The Ideal Jean Yes, they are back! Halleluiah!

Boot-cut jeans are back. Thanks to countless designers — including names like Celine, Marc Jacobs, and Gucci — the leg-lengthening, flared denim silhouette is set to be huge this season. For elevated style, opt for a high-waisted pair cinched at the waist with a narrow belt.

With center front seams and a flattering wide leg, these Ember jeans from the Veronica Beard label cut a striking silhouette.

Wear these with a tucked-in tee and platform sandals for a standout look.

Veronica Swanson Beard and Veronica Miele Beard are the sisters-in-law and design duo behind namesake contemporary label Veronica Beard. Launching with a signature jacket style, the “Dickey” single-button blazer, the company found its niche in the contemporary market, as the jacket’s popularity quickly caught on with celebrities and influencers. As the brand has grown, the designers have moved on to jeans, ruffled dresses, and more. The vibe of the collection is reliably casual, but always feels immediately relevant. nnn Just Add Ruffles For a touch of feminine whimsy this season, simply add some ruffles. A ruffled sleeve detail and high neckline sweeten up this sleeveless denim top from the FRAME label. A casual

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LifeStyle Fashion alternative to basic blouses and shirts with jeans, we love it best tucked into this season’s on-trend Bermuda short.

FRAME is a brand that bridges the heritage and quality of manufacturing in Los Angeles with a distinctly European aesthetic. Its collections take inspiration from a French way of “dressed up casual” embodied by the style icons of the 1970s.

Since the brand’s inception in 2012, FRAME has rapidly evolved from the off-duty models favorite denim brand, to a fashion house that produces four ready-to-wear collections a year. With headquarters split between Los Angeles and London, FRAME is known for its

coveted wardrobe classics, American craftsmanship, and its loyal following. nnn Celebrity Style For those fashionistas seeking to emulate their favorite celebrity, our last pick is most certainly for you. Featuring a subdued style with an upscale feel, the modern tailoring of this A.L.C. denim dress is chic, stylish, and oh-so wearable.

A stylist-turned-fashion designer, Andrea Lieberman understands the emotions behind getting dressed and founded A.L.C. in 2009 with the mission to deliver effortlessly elevated wardrobe essentials that make women look and

Foot Patrol

Whether you call them thongs, flip flops, or sandals, these footwear selections for him are ideal for the shore, but please heed our gentle reminder; do not wear them with socks.

The Classic Look

A Legendary Design

Comfort is King

All About the Label

Italian Style

A Dual Purpose

This Goldwyn 2.0 leather sandal from the Cole Haan label features an open toe, thick crisscross leather construction, and an oh-so-comfortable padded footbed. Cole Haan, $150.

If you’re looking to display a desired label, this Italian-made Rubber Slide Sandal from the Gucci label, featuring a signature web rubber strap, will certainly suffice. Gucci, $210.

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feel their best. Lieberman was born and raised in New York City and began her career working with musical artists like Jennifer Lopez and Gwen Stefani. A pioneer in celebrity styling, Lieberman worked with influential women including Mary J. Blige, Cameron Diaz, and Drew Barrymore for ten years before moving to Los Angeles to start her brand.

With all the new and exciting looks offered this season, one thing is certain; denim is here to stay. This versatile and adored fabric can be dressed up or down, depending on the occasion, and with so many different shades and silhouettes, it will never go out of style. n

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Birkenstock’s Kyoto takes its inspiration from the classic Zürich model and stands out with its compact design and individually adjustable hook and loop closure. Birkenstock, $140.

This handcrafted Atina leather slide sandal from Italian luxury house Salvatore Ferragamo fits true to size and features signature Gancini hardware. Salvatore Ferragamo, $595.

Amazing padding and comfort, and the wide foot strap, gives this upscale sandal from Born far more stability on your foot when compared to its competitors. Born, $85.

From the beach to the pool, this sandal can handle the splashes. Featuring a bottle opener built into the footbed to open your “soda”, it is comfortable through every adventure. Reef, $60.

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Ceiling Fans n Medicine Cabinets n Steam and Sauna n Accessories n And More! n

Home & Design

Smart Home Makeover

Brandon soaker tub with integral heated backrest by Americh

Neorest NX2 Toto Toilet

Is your home smart enough? Try these tips to increase the IQ of your home.

By Danielle Gomes

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Grohe’s Minta line touch-activated faucet

T

here’s no doubt that smart devices have taken over our lives. Our daily routines rely on technology. Even our homes have become ‘smart’.

“Electronic technology has really touched almost every facet of home finishes,” says Pat McCarthy, owner of Artistic Hardware in Northfield.

From intelligent toilets to digital locks, smart fans and home spas, the latest tech in home hardware has us wired!

“It’s been really exciting for us,” reveals Carol Kelly, showroom manager at Artistic Hardware.

“There has been such a dramatic increase in the options that we can offer now.”

Exterior Tech While key code entry locks have been around for a very long time, new digital options are taking over.

“Most new construction homes will have at least one, if not more, smart locks,” explains McCarthy.

“Typically, new construction homes will place a code entry on a back door or from a garage door.”

Popular brands such as Emtek EMPowered Smart Locks feature a digital key pad. Additional features include remote access from the smartphone August app, the capability to track who comes and goes, voice activation (with Alexa, Google Assistant and Siri), auto lock and unlock that senses when you arrive and leave, as well as August doorbell connectivity.

Most people prefer to place digital keypad locks on back doors for style reasons. However, smart front door handle sets are quickly becoming a popular option. With the latest Baldwin Evolved line, front door looks are seamlessly

Emtek EMPowered Smart Lock with digital key pad

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HOME & DESIGN blended with back door technology.

“The handle sets are Bluetooth activated from your cell phone so that all you have to do is touch the lock to unlock and lock it,” McCarthy explains. “You are also able to remotely lock and unlock the door from your cell phone.”

Technological advances have taken a greener approach when it comes to exterior lighting. “Dark sky fixtures are a big trend,” McCarthy explains. “These fixtures don’t illuminate up, so they reduce light pollution, which study after study has proven affects indigenous wildlife.”

There have also been recent improvements to exterior lighting materials. “Marine-grade materials that can withstand the elements, like composite, have been great for us,” says Kelly. “These lights actually last outdoors.” If you opt for the LED disc light, you won’t even have to touch the light for five or more years. However, once the LED disc goes, the entire fixture needs to be replaced.

“Personally, I recommend traditional sockets with LED bulbs, that way you get the best of both worlds,” McCarthy says.

Technological advances have taken a greener approach when it comes to exterior lighting.

Comfort Controlled A room designed to handle the most basic of human needs — the bathroom — has just hit genius status. With intelligent toilets, smart tubs, steam showers, infrared saunas and mirrors with integrated lighting and built-in smart TVs, your bathroom just became your favorite room.

So, what does it take for a toilet to be intelligent? The Neorest NX2 Toto Toilet comes with a built-in bidet and air dryer, automated toilet seat cover, heated seat, night light, deodorizer and self-cleaning technology. That means this toilet does virtually everything for you, but it also costs about $10,000.

The bathroom tech doesn’t stop there. While you’re on your throne, why not watch TV? With the Electric Mirror® Vanity TV Mirror, the screen seamlessly blends into the mirror. It’s a regular mirror while the TV is off, but a fullyfunctioning television when turned on. The tech-driven mirrors also offer options with built-in lights, outlets, and charging ports.

Recent advances in technology have also allowed homeowners to bring spa features to their bathrooms.

“Fully accessorized showers are trending right now,” says McCarthy. There are lighted shower heads, solely powered

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by the movement of water. There are Wi-Fi-enabled steam shower units, which easily turns your shower into a steam room. Soaking tubs have also gotten smarter.

“People are opting for freestanding tubs now,” reveals McCarthy.

“From a design standpoint they are very popular, they also save a lot of space in the bathroom.” The Americh Brandon tub has heated walls, massaging back rest and Bluetooth enabled speakers.

“The tub itself is actually the cone of the speaker. So, when you’re soaking in the tub, the music is in surround sound,” McCarthy says.

One of the most popular additions to tech-savvy home spas are infrared saunas. “There are so many options for saunas now,” said McCarthy. “We offer completely customized builtin saunas. But we also carry modular saunas that are so easy to install, all you have to do is plug it into your wall outlet.

Kitchen Gadgets When it comes to the kitchen, the latest tech is all about the convenience factor. Filtered water bottle filling stations and touch-activated faucets are functional additions to your home. Touch-activated faucets are catching on in a big way. Not only are they extremely convenient, but they are also more sanitary. Grohe’s Minta-Touch line features easy touch technology in a fun, stylish design that will complement even the most tech-savvy homes. By simply touching the faucet with your wrist, the back of your hand, or your arm, you can easily turn on the water without crosscontaminating your kitchen.

The Elkay Water Bottle Filling Station is designed for home use and can be installed anywhere there is a waterline. The stations keep track of the number of plastic bottles you keep out of the environment, they filter pollutants out of drinking water, and offer an opportune location for the family to fill up their water bottles. n

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LIFESTYLE | Summer 2020

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LifeStyle On The Water

The Ideal Escape

There’s a boat for every lifestyle.

By Molly Golubcow

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Robalo's center console R272

Bennington Premium pontoon boat

Chaparral's 297 SSX open concept day cruiser

B

oats. From Egyptians sailing down the Nile in papyrusreed barges or the conquering Vikings in long boats, to a sleek Formula 1 tearing across the water today, floating vessels have intrigued man (and woman) since ancient times.

According to statistics from the National Marine Manufacturers Association, over 142 million Americans boat each year. In 2018, the boating industry contributed $164 million to the Atlantic City area economy — impressive information that reinforces the old expression; “A bad day boating is better than a good day at work!”

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ON THE WATER

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The Marine Mammal Stranding Center’s 9th Annual Gala, Dancing With Dolphins!

This Years Honorees

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NJ Lifestyle Magazine Special Service Award

Thursday, August 6, 2020 from 6:00 PM to 9:30 PM Hosted by One Atlantic Events Delicious Cuisine • Complimentary Beer and Wine • Dancing Over the Ocean

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If you’re thinking about buying a boat or upgrading from your existing one, first ask yourself questions like, “What is my primary purpose for the boat — fishing, family, leisure?” and “Do I want to do bay or offshore boating?”

Then, educate yourself by going to boat shows, visiting marinas and showrooms, and Googling manufacturer sites online. Once you get the big questions answered, then you can decide on horsepower, engines, hull-type, colors, and other preferred amenities. Let’s take a look at some available options that may float your boat…pun intended.

Fishing with Friends According to Boattrader.com, center-console boats occupy a huge segment of the small-boat market because they can bring a lot of utility to a lot of people. They also deliver generally excellent performance, rough-water ability, and good looks, while ranging from fuel-efficient to oceanaggressive. You can load them with coolers and fishing gear, skis or tow-tubes — or keep them open and simple.

And they’re built by a range of well-established, highquality manufacturers.

For example, the Robalo R272 (starting at $120,000) promises 27 feet of a great ride in the bay or offshore.

The Kevlar-reinforced hull provides comfort when you are in search of that perfect catch. Stainless steel props are standard but upgrading to Twin Yamaha Four Stroke F200XCA engines at 200HP is a joy — riding or driving.

Another feature of the R272 that combines comfort and function is seating. Whether in the bow or the aft, you and your guests have plenty of options for lounging and sunning on the water. However, when you are ready to do some serious fishing, Robalo’s award-winning technology allows you to effortlessly flip up the bench seats into the transom to create a perfect area where you can reel in that big one! Other amenities that satisfy the needs of serious fishing as well as serious entertaining of friends and family, range from stainless-steel drink holders, a premium stereo system, LED lighting, freshwater shower, and electric head technology.

Fun in the Sun Some boats, as is the case with some boaters, are not meant to fish. If that describes your boating preferences, a traditional bow rider concept may work for you. Bay water or offshore, the Chaparral 297 SSX is a winner for 2020 starting at $135,000 — single engine. If you prefer a little more power, the 317 series features twin engines and joystick docking options for about $195,000.

Standard amenities include a head with stainlesssteel hardware, as well as ample storage. Flexible and comfortable seating offers luxuriously appointed and hand-stitched upholstery. In addition, Chaparral’s glass

ATLANTIC CITY dashboard with dual touch-screen displays lets you safely navigate the boat while monitoring engine functions.

Regardless of size, taking a bowrider out is a fun experience. Local boater Henny Mustokoff has boating blood in her DNA. She loves taking out her Chaparral cruiser whenever she can. “My father got me started when I was four years old, and now it’s in my blood. I love boating the Atlantic City area — plenty of places to explore in the inland waterways and also going around the island.”

Yes, I Said Pontoons If you are a “bay rat” and prefer flat water outings, pontoon boats have come a long way, baby! Whether you plan to just tie up and socialize on the river or take friends and family bay fishing or tubing, the Bennington SX20 series delivers fun and comfort in the $100,000 price range. For example, the SX Premium offers performance options and power packages up to 250 HP. Playing hard all day doesn’t mean you don’t have to live without comfort like bars and dinettes, accent lighting, and several seating options, including dual seating capabilities that allow your guests to face forward or backward. In addition, upgrades such as boat colors, smoked windscreen, GPS, and sonar and depth finder equipment are available.

Answer the Call At the 2020 Boat Show in Atlantic City, I came across a posted sign that read “A day without boating might not kill you … but why risk it?”

Funny, but very true. So, if you are on the beach or driving by a marina this summer and hear that sound, the distinct and guttural blatti-blattiblatti of a boat engine, do not ignore the call. Like the Siren’s song in The Odyssey, sailors (or wanna be sailors) need to pay attention to the call of the wild ocean — and answer it! n

LUXURY BLACK CAR SERVICE

Call today 609-214-1058 Airport Service • Concerts • Sporting Events Service to New York and Philadelphia

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Interested in learning more?

Contact Matt McCarron 609.226.9239

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101 N WASHINGTON AVENUE, MARGATE, NJ

LifeStyle Business

A CUT ABOVE Spotlight on The Forza Insurance Group

By Molly Golubcow

AS CEO AND CO-FOUNDER OF The Forza Insurance Group, John D’Angelo has been delivering outstanding voluntary supplemental insurance for 29 years. In addition to decades of leadership and experience, D’Angelo impressively placed $125 million in voluntary benefit premiums for blue and grey collar clients from labor unions (local and national) to other large employer groups. In 2015, the Atlantic City native moved Forza’s East Coast operations from Florida and New York to his hometown. The move solidified D’Angelo’s industry presence since he has been servicing Atlantic City casino employees for the last 25 years.

What is Voluntary Supplemental Insurance?

Whether full-time or part-time, employees working for a company or union participating in supplemental benefit plans, can elect to add on to his/her benefit menu. Supplemental options, ones that fill gaps that union and/or employer benefits do not cover, vary. For example, traditional voluntary coverages may include Medical and Hospital Gap, Accident, and Life Insurance, just to name a few. In addition, Forza, who partners with leading national insurance providers, developed non-traditional benefit options such as Telemedicine, Wellness, Life Style Benefits, and Identity Protection.

What Makes the Forza Team a Cut Above?

From an operations standpoint, Forza may be small, but definitely mighty. The company prides itself on realizing large deals while maintaining a stellar reputation. D’Angelo explains how Forza’s compact team has been able to move forward with such success, “This allows us to be nimble and move quickly to address and adopt to opportunities without layers of bureaucracy.

Additionally, our proprietary “state-of-the-art” enrollment and benefit design technology. Finally, relationships — our business’ foundation is built 100% on solid relationships that have been earned over time.”

How Can the Forza Team Help You Prepare for the Unexpected?

Forza lives by their mantra; “Success means being prepared for the unexpected.” At no time has this concept hit home to so many people at one time. The COVID pandemic impacted, directly and indirectly, over 85% of Forza’s clients — many who are essential workers on the front lines. D’Angelo and his team had to adapt quickly without warning. By continuing to work

remotely, Forza continued to serve their clients in tough times.

D’Angelo feels “blessed” to have been able to not only serve clients in dire need during the pandemic, but also keep 100% of his workforce paid. “We deployed technology and equipment to our rank and file employees’ homes to support this initiative while adding dedicated self-serve, agent assisted websites.”

How Does Forza Insure and Ensure the Community?

In addition to providing supplemental benefit options to thousands of employees and their families, The Forza Group believes in helping those in the community needing a hand. As the CEO, D’Angelo sets the example as a dedicated volunteer and fund raiser for organizations such as The Schultz-Hill Foundation, Johnny D’Angelo Annual Scholarship for Local Music Students, Atlantic & Cape May County 200 Club, The UFCW 152 Scholarship Fund, CASA, The Forza-John Devlin Family Youth Winter Coat Drive, The Tara Miller Foundation, Atlantic County Toys for Kids and Atlantic County ARC. During the COVID crisis, Forza Group established a UFCW Covid-19 Relief Fund across five states to help feed and support UFCW front line Super Market Workers. In addition, they also provided meals for the three Atlantic County area Hospitals, AC Police and AC EMT workers during the early stages of the shut-down.

D’Angelo talks about the importance of helping those in need in and around his community, “It was crucial for us to help local restaurants who survive on week to week cash flow and had been devastated. We made a habit of over ordering for staff and family, buying gift certificates, and moreover, placing massive orders for the groups we were targeting to help and feed.” n

The Forza Group — Custom Benefit Plans Built Through Relationships

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During the Pandemic crisis we have supported over 100,000 valued workers through our UFCW clients from New England to Delaware, in addition to the NJ State Correction Officers.

Voluntary Supplemental Benefits Underwritten by the nation’s top rated, best in class insurers

Part Time Employee Benefits

Life Style Benefits

Customized Retiree Program

Help enhance employee retention

Options to meet the needs of a changing workforce

Reduce Core Health and Welfare Costs

Rather than offering a generic list of voluntary benefits to your workforce, let The Forza Insurance Group create a custom plan that truly reflects your workforce.

Our goal is to eliminate the burden and complex administrative duties from the human resource area / health and welfare fund administrators, and to create cost containment. Here’s how we do it: Paperless Efficient Enrollment Save valuable human resource time The Forza enrollment platform, a cloud based paperless enrollment technology is user friendly, quick, and accurate.

The Forza Insurance Group specializes in the customization, implementation and administration of supplemental and voluntary employee benefits for employers and unions.

Customized Communications At no additional cost We execute a diverse communication strategy to keep everyone educated, informed and comfortable with their choices.

BenefitSelect Delivering innovative voluntary benefit solutions more quickly.

Forza’s exclusive product evaluation tool, BenefitSelect, determines “Best in Class” voluntary benefits by: • Carrier • Plan design • Pricing • Claims paying Our goal is to save you time by showing you only the most relevant offers.

Call today to talk to our experts.

844-365-5230 marketing@forzainsurancegroup.com forzainsurancegroup.com 1616 Pacific Avenue, Suite 200, Atlantic City, NJ 08401

LifeStyle Leisure

Fly fishing for pike

ZEN AND THE ART OF FLY FISHING Get lost in this magnificent sport of patience and comradery.

By Dennis Hayes

N

o, I haven’t converted to Buddhism and I’m certainly not claiming to have mastered fly fishing.

What I am doing is borrowing a line from Robert Pirsig’s novel, published in 1974, for the title of this article, but it seems appropriate. Whenever I talk about fly fishing, I mention how Zen it is.

I’ve fished since I was a little kid, growing up in Belmar, NJ; my house being only steps away from Shark River. We fished for everything we could, and spent hours doing it. But, it wasn’t until I took up fly fishing that I would find myself lost in the action.

When I mentioned fly fishing to people, they typically conjure up an image of some guy standing in knee deep water, wearing a hat and fishing vest, false casting the fly line with the sun shining and

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The author, Dennis Hayes, at Bear Creek Trail in Colorado Photo by Ray Redstone

a light breeze blowing; like a scene out of A River Runs Through It. Fishing takes you to places with some great scenery that makes for some majestic photos, but a lot of the hiking that is part of fly fishing is spent walking in ankle to thigh deep water that’s rushing past you. I don’t care if you use felt soles or cleats on your boots, the rocks are slippery. The physicality of it all takes its toll on your body. That’s where the Zen comes in; you’ve been concentrating on everything you’re doing, and you don’t notice the impact on your body. You get determined to find that spot, to make that cast, to see a nice big “bow” or “brownie” take the fly and tighten your line. It’s not until your day is done that you realize you’ve bruised your hip, or that your shoulder is on fire from casting, or that your feet are killing you.

Some species of fish jump, some run, some are fighters, and some feel like you’ve snagged a piece of lumber. But, once you’ve got them, you lose track of me. My friends often refer to my fish moments as a “walk-about”, borrowing a line from Crocodile Dundee.

A few years ago, I was ambling along just clearing the brush with a big smile on my face and feeling satisfied, when my friend Grady exclaimed to me “you’d better have a broken arm or something ... the boys are pissed!” The boys had wanted to go take a dip in the hot springs that day and I was an hour late. My Zen moment walk-about had used up time we had to make it to the springs. Rabbit (we all have nicknames) wouldn’t even look at me. I’m Chief, by the way. The Zen had done its part. I felt great about the day. My friends were angry, but they’d get over it. I had a great time on the water.

We’re all guilty of it, once you’re into the fish, nothing matters. Of course, it’s quite possible that while you were into the fish, your buddies haven’t seen even the slightest hint of a fish, except maybe for a sixinch fingerling that barely bent your rod.

That’s what it was like on our latest trip to CO, fishing the Taylor River. My day was the fingerling, while Rabbit and Grady had found their spots. Rabbit hadn’t caught a fish in days, but he found it that day and landed his big one; a nice rainbow that did a little tail dance before being netted. I’ve never seen him smile so big. It was his day, but it was Grady’s trip this year, with half a dozen fish each day.

JD couldn’t join this trip until it was half over, so he was still finding his rhythm. Bones, Mugsy, and I were consistent with a couple of fish here and there

Rabbit with a brownie trout fresh-caught Photo by Dennis Hayes

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LIFESTYLE LEISURE

A beautiful Rainbow Trout from the Taylor River Photo by Ray Redstone

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every day. The Kid couldn’t make it this year. Business issues or something. Life gets in the way sometimes.

And it isn’t all about fishing. I met these boys in college. JD and the Kid were my roommates. The others were constant visitors to our apartment or couch surfers. They’ve all known each other since high school or earlier. Our trips to Colorado are an annual pilgrimage. Usually, we arrive by midSeptember and our are tents are pitched at one of the many campsites we’ve found throughout the state; Palisades, Rosy Lane, the Matterhorn; all at elevation, so it can get a little chilly. We’re usually up with the birds but wait until the sun emerges from behind the mountain when the fish start to rise before hiking the water. Breakfast could be an apple or maybe steak and eggs. It depends on the day, the mood, or how much libations we shared the night before.

We drink some coffee while we talk about our escapades, what’s hatching, what fly worked yesterday, or what size leader to use. Grady warms up the truck and we all check to make sure our phones are charged. Not only for communication, but more importantly to ensure you can take a photo of the big catch when no one else was around. We head out to the river to see what the day brings. I can’t wait for September. n

FOR MORE DETAILS VISIT DOATLANTICCITY.COM

LifeStyle Wellness

FORGET ME NOT

Easing the Struggle of Living with Dementia

By Felicia L. Niven

I

n Nicholas Sparks’ epic romance, The Notebook, we meet Noah and Allie as they engage in one of their daily rituals.

It’s the retelling of their love story in the nursing home where Allie now resides. Noah shuffles over and sits in a chair that has practically assumed his shape. He picks up the notebook with the story he’s read 100 times. Then he begins anew, reading to a woman who no longer remembers his name. It’s an emotional journey that results in a moment of clarity. Allie recognizes Noah for a brief time before the memory fades.

It may be a fictional scene but it’s not far from the heartbreak associated when a loved one has dementia. Unfortunately, too many people are impacted by this devastating disease. The World Health Organization estimates that 50 million people are living with dementia and nearly 10 million new cases are diagnosed each year.

Dementia is the umbrella term for a group of conditions that impair memory and the ability to communicate and perform daily tasks. These include Alzheimer’s disease, frontotemporal disorders, Lewy body dementia, and other types of progressive brain disease. Alzheimer’s is the most prevalent. One in nine people aged 65+ has Alzheimer’s disease, and one in three seniors will die from it or another type of dementia, according to the Alzheimer’s Association. In fact, Alzheimer’s disease is the sixth leading cause of death in the U.S., greater than breast cancer and prostate cancer combined.

In addition to causing human suffering, Alzheimer’s economic impact is significant. The Partnership to Fight Chronic Disease projects “the cumulative total cost of Alzheimer’s disease between 2017 and 2030 will be $7.7 trillion — $3.2 trillion in health care costs and $4.5 trillion in the value of unpaid caregiving.”

Those who work in Alzheimer’s and dementia care understand the emotional and physical toll that it can take on care-

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givers. “It can be overwhelming to take care of a loved one with Alzheimer’s or dementia,” said Alysia Price, executive director of Seashore Gardens Living Center. “Caregivers can experience high levels of stress, depression and anxiety that can affect their own health.”

Caregiving becomes more challenging as dementia progresses. In Alzheimer’s, changes in the brain start years before there is any visible sign of the disease.

Anna enjoying Symptoms then progress through the flowers in three stages. In the early stage, her home in the Comfort Care someone with Alzheimer’s will neighborhood experience problems with memof SGLC. ory or concentration. They still can drive, work, volunteer and interact socially. However, he or she may have difficulty coming up with the right word, forget information they just heard or read, and misplace items. During the second stage, the individual may forget important events, be confused about the date, and be unable to recall basic information such as their address or where they graduated high school. He or she may experience increased anger and frustration. In the final stage, the person is unable to carry on a conversation and needs help with daily activities.

The Centers for Disease Control (CDC) estimates that more than 16 million Americans provides unpaid care for loved ones with Alzheimer’s disease and related dementias. Those who seek residential care choose senior living communities with special “memory care” units.

Seashore Gardens Living Center has such a neighborhood, known as the Comfort Care Residence. A Certified Dementia neighborhood, Comfort Care is a safe and secure environment that was carefully designed for the unique needs of individuals with Alzheimer’s and forms of dementia. The Est. 1916

staff receives special training, and the programming is designed to keep residents active.

“Before we brought our mom here, we couldn’t get her to socialize,” said the daughter of one resident. “It’s the exact opposite at Seashore Gardens. She has a group of friends that she travels with, and they go to all of the activities, the crafts, the drum circles. The amount of effort that goes into every activity is truly astonishing.”

Activities in the Comfort Care Residence start around 8:30 a.m. or 9 a.m. and go until about 6:30 p.m. They include music, bingo, cooking classes, aromatherapy, massage, crafts, games, and pizza parties. Residents enjoy a bimonthly ElderGrow gardening program that provides healing benefits such as reduced agitation and improved self-esteem.

In addition, Seashore Gardens Living Center offers a community resources for caregivers of loved ones with Alzheimer’s or Dementia. They are invited to a free Alzheimer’s Support Group meeting on the third Wednesday of every month at 4:30 pm at Seashore Gardens Living Center, 22 W. Jimmie Leeds Road, Galloway, NJ. This is an opportunity for caregivers to learn about resources, find strategies for dealing with a loved one with memory loss, and meet others in similar circumstances. The meeting lasts an hour and includes complimentary refreshments.

For more information, call 609404-4848. n

BE STRONGER THAN YOUR EXCUSES

YOGA BARRE HIIT SCULPT 7817 VENTNOR AVENUE MARGATE • NJ • 08402 www.GOODKARMAGUIDE.com

Group activities have been temporarily suspended due to recommendations from the CDC and Department of Health.

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Health Watch

Throwing Shade Too Much Sun is Just No Fun.

By Robin Stoloff

Unless you have been living in a cave (in which case you do not need this article), you have undoubtedly heard of the benefits of reducing sun exposure and using sunscreen. However, just like everything else we know is good for us, we don’t always do it, or we don’t do it correctly. In addition to fine lines, wrinkles, and leather-like skin, too much sun can lead to skin cancer, the most common type of cancer in the United States.

Some people think about sun protection only when they spend a day at the lake, beach, or pool. However, sun exposure is cumulative, and it happens every time we are in the sun. Our skin remembers every minute of sun exposure, so wearing sunscreen every day should be a crucial part of our skincare routine. Fortunately, there are a variety of great moisturizers that contain sunscreen for everyday use. Even on cloudy days, ultraviolet rays can damage our skin. While some UV rays can also pass through windows in our car, home or office, it probably does not pose a significant risk to most people unless they spend long periods close to a window that gets direct sunlight.

Sunscreens are available in many forms — lotions, creams, ointments, gels, sprays, wipes, and lip balms, to name a few. When choosing a sunscreen, be sure to read the label. Look for sunscreens with broad-spectrum protection (against both UVA and UVB rays) and with sun protection factor (SPF) values of 30 or higher. It is important to note that higher numbers do make a huge difference in protection. The higher you go, the smaller the difference in protection and most experts say an SPF of 30 is sufficient.

Sunscreen is only as effective as how we use it. Many people will apply a small amount of sunscreen when they first go to the beach. They go in the water, they sweat, and they forget to reapply it. You can’t just slather yourself with sunscreen in the morning, head out for a long day at the beach or pool and expect to come home sunburn-free.

Most experts recommend reapplying sunscreen every two hours. Remember the phrase “Redo in Two.” However, if you are sweating or swimming, you need to reapply more often. Don’t forget your ears, top of your feet, back of your hands and nose.

There are two basic types of sunscreens, chemical and physical. Chemical sunscreen absorbs into the skin and then absorbs UV rays, converts the rays into heat, and releases them from the body. The active ingredients in chemical sunscreens include avobenzone, octinoxate, and oxybenzone. Physical sunblock sits on top of the skin and reflects the sun’s rays. The minerals titanium dioxide

and zinc oxide are the main active ingredients in physical blocks.

Physical sunblock tends to be less irritating and better for sensitive skin, but it could be more challenging to blend into the skin. We all remember seeing lifeguards with the white noses! However, newer brands now offer matte and tinted versions that blend more easily. Chemical sunscreen could be a better option if you are swimming or sweating and need a water-resistant formula. It also absorbs more quickly into the skin.

Another important way to limit exposure to UV light is to limit exposure to the sun between the hours of 10 AM and 4 PM when UV light is most potent. To see how intense the sun’s rays are, use the shadow test — if your shadow is shorter than you are, the rays of the sun are strongest.

Clothes also provide different levels of UV protection.

Choose long-sleeved shirts, long pants, or long skirts that cover the most skin and are the most protective. Select dark colors that often offer more protection than light colors. A tightly-woven fabric protects better than looselywoven clothing, and dry fabric is generally more protective than wet fabric. Be aware that covering up doesn’t block out all UV rays. If you can see light through a material, UV rays can get through.

Today, new fabrics make it possible for clothing to be lightweight, comfortable, and protect against UV rays even when wet. This type of clothing tends to be more tightly woven, and some have special coatings to help absorb UV rays. These protective clothes often have labels listing the UV protection factor (UPF) value, which is the level of protection the garment provides from the sun’s UV rays on a scale from 15 to 50+. The higher the UPF, the higher the protection from UV rays.

Just as we need sunscreen to protect our skin, we also need UV-blocking sunglasses to protect our eyes and the delicate skin around them. Sunglasses do not have to be expensive; they simply need to block 99 to 100% of UVA and UVB rays. Labels that say “UV absorption up to 400 nm” or “Meets ANSI UV Requirements” mean the glasses block at least 99% of UV rays. Those labeled “cosmetic” block only about 70% of UV rays. If there is no label, don’t assume the sunglasses provide any UV protection.

As the weather warms up and days get longer, we will be spending more time outdoors. Be sure to protect yourself every day by using sunscreen, wearing hats and protective clothing, and limiting sun exposure. By taking some simple steps, we can reduce our risk of wrinkles and lines, sun damage, and most importantly, skin cancer. n

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Health Watch

Too much exposure to UV rays can be harmful to our skin, the largest organ in our body, but we don't have to avoid the sun altogether. The American Cancer Society offers an easy way to remember to protect ourselves from the harmful rays of the sun — Slip! Slop! Slap! Wrap!

• SLIP on a shirt.

• SLOP on sunscreen.

• SLAP on a hat.

• WRAP on sunglasses to protect the eyes and skin around them.

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Whether you choose a physical or chemical sunscreen, here's what to look for: • Broad-spectrum (protects from both UVA and UVB rays) • Fragrance-free • Noncomedogenic (won't clog pores) • Oil-free • Paraben-free • SPF of at least 30 or higher

5Star proudly supports Forza Insurance’s policy holders during Covid-19 and into the future.

Family Protection Plan

Basic Life and AD&D

Group Accident Insurance

Our flagship term product is level to age 121 and stocked with key benefits that set you apart in the marketplace.

An important building block to a comprehensive employee benefit program, basic life and AD&D insurance, provides valuable protection for your employees should the unexpected happen.

Supplemental primary medical insurance with our Group Accident Plan - providing cash benefits from day one with no required coordination of benefits.

The 5StarLife Insurance Company (5Star Life) has a proud and unique heritage as a related enterprise of the Armed Forces Benefit Association (AFBA). The Armed Forces Benefit Association (AFBA) is a not-for-profit association established in 1947 to promote the general welfare and economic interests of military families

Healthcare Indemnity

Group Critical Illness

during war and peace. Over time, we have

Healthcare Indemnity supplements existing medical coverage by filling the gaps created by rising deductibles, increasing co-payments and higher out-of-pocket maximums.

Our employer paid Group Critical Illness product pays up to THREE (3) times the policy benefit amount.

expanded membership eligibility to also serve federal government employees and contractors, as well as first responders law enforcement, firefighters, and emergency medical personnel.

LifeStyle Travel

The snow covered winter mountains and glaciers are seen from a Cruise Ship.

Amazing Alaska

Travel to the Last Frontier and experience the adventure of a lifetime.

By Albert Ringewald

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Holland America’s Maasdam at a port in Haines, Alaska

Tramway in Alaska

A

laska is a land of stories, amazing stories that will stretch your imagination to its limits. Alaska is America, but not the America most of us in the lower 48 know about. Alaska is a grand place, a territory more than twice the size of Texas. Here you can hear stories of survival of gold prospectors who dreamed of quick riches, but more often surrendered to drink and the entrepreneurial companions who comforted them.

You will hear native stories that trace their history which are told, many

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LIFESTYLE TRAVEL

An aerial view of the Homer Spit, a 4.5 mile long gravel bar that extends into the bay

Change Your Life!

FREE 21 DAY TRIAL MEMBERSHIP Including 1 FREE Personal Training Session (No Purchase Required)

Call 609-487-4650 • MatrxxFitness.com 801 Boardwalk • Atlantic City NJ (at the Showboat Hotel) Local residents only. Must be 25 years or older. See club for details. Limited time offer.

MICHAEL A. GOLOFF Certified Public Accountant 609-350-6958 1616 Pacific Avenue, Suite 407 Atlantic City, NJ 08401 38

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times over, in the meeting house, over the long dark winters. It is during these times that future storytellers are selected among the youth based on their ability to accurately retell these tales. This is quite an honor to be chosen to be the keeper of the clan’s history. You will hear their story of how light came into the world, and why the Eagle and the raven are at the core of their culture. When visiting Alaska, you need to bring a sense of adventure and a willingness to be surprised. If you do, you won’t be disappointed.

These stories are not only passed along orally but, if you have the knowledge, can be deciphered from the totems, tribal paraphernalia, meticulously carved masks, even the brightly colored garments worn for dance and ancient ceremonial practice.

Many of these stories tell of seeming impossible moments of survival against animal attack, the extreme and sudden changes in weather or terrain, or more often, simply getting lost in the vast wilderness.

One year, I heard about a local writer, Lyn Schooler, in Juneau, who had written a popular book of the region called The Blue Bear. You could find this book in every local bookstore, usually displayed in the window. I learned he lived on the outskirts of town and my friend said they sometimes got together, and I asked if I could join them. Schooler was something of a local celebrity; a handsome, wiry man whose face and hands betrayed his years at sea operating a charter boat for world-class photographers. He autographed

his book for me and I carried it like a secret treasure; as if I’d come upon a nugget of gold which brought the early settlers to the area, including one Joe Juneau a mostly-drunken prospector after whom the town acquired its name.

When visiting Southeast Coastal Alaska, you’ll encounter the strong cultural presence of the indigenous Tlingit.

Their colorful clothing, carving, and weaving practices will entrance you, as will their storytelling and mythologies. Every Tlingit child will hear the stories of creation, or how “light” came into the world during those long, dark winter nights in the meeting house.

In many coastal towns, there are numerous totems standing as testimony to the original settlers. The Tlingit and their southern cousins are the only groups that carve totems and, unlike the conclusions of the first white set-

tlers, they were not intended for religious worship; rather they tell the histories of the clans. When I spoke with master carver Nathan Jackson, a Raven Chilkoot Tlingit who lives a few miles south of Ketchikan near “the end of the road”, he revealed that he receives requests for totems from all over the world.

These totems can take up to two years to carve (the cedar must be “ready”) and he will charge upwards of $70,000, depending on the size, for each one.

I recommend the following as some of the best tours I’ve taken in Alaska: • One of the best ways to get around in the vast territory of Alaska is by seaplane. Wings Airways (wingsairways.com), out of Juneau, provides one of the best seaplane tours to Taku Glacier Lodge, an original wil-

derness cabin nestled near a glacier.

You will receive a bird’s eye view of the 1,500 square-mile Juneau ice fields and might see a moose leisurely grazing during flyover.

• In Sitka, there are many exceptional land and marine tour operators. My favorite is the Sea Otter and Wildlife Quest offered by True Alaskan Tours (truealaskantours.com) where you are sure to see humpback whales summering in the plentiful waters off Sitka, to eagles, porpoises, otters, puffins, and bear. If you’re lucky, you might see the humpbacks cooperatively “bubble” feeding. Also one of my favorites are the stunning totems situated in the forest around the Sitka National Historic Park, a short walk from downtown.

True Alaskan Tours also offers half-

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LIFESTYLE TRAVEL

day salmon fishing tours.

Season 38 A Season of Hope starts September 2020 Tickets On Sale Now acballet.org

• In Juneau, the Mt. Roberts Tramway is a must. Located just south of downtown, the native owned tram will take you nearly 4,000 ft. above Juneau to a restaurant, theater, shops, and nature center.

Don’t miss the award-winning, native produced film shown hourly throughout the day. For the more adventurous, there are three wellmarked hiking trails above the restaurant for any level hiker. Bring your raingear as it is often wet in the summer.

• Homer, Alaska is known as the “Halibut Fishing Capital of the World.” Located about 200 miles southeast of Anchorage, it’s also nicknamed the “end of the road” and more recently “the cosmic hamlet by the sea.” Its distinguishing feature is the Homer Spit, a 4.5 mile long gravel bar that extends into the bay.

Also located on the “Spit” is Homer Harbor, the home of numerous charter fishing boats for hire. You may not land a 500 lb. halibut, but you’re likely not to return empty-handed. Be sure to stop by the Salty Dawg Saloon where folks from all over the world have left their autographed dollar bills that cover nearly every inch of the walls. You’ll feel like a native Alaskan at the Salty Dawg.

You will hear many fascinating stories in Alaska, but only if you are patient and listen. n

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LifeStyle Art

ART IS THE

PRESCRIPTION

Sunrise over the Howard S. Stainton Memorial Causeway, also known as Ocean City's Ninth Street Bridge.

Photo by Kristian Gonyea

Proving hope and comfort during uncertain times, art has come to nurture our souls.

By Michael Cagno Caring Hands, an exhibit that celebrates the nurses of the AtlantiCare Healing Arts Program. Photos by (left to right) Paul Dempsey, Donna Connor and Nastassia Davis

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T

he past few months have been a challenge for all physically, emotionally, socially, and economically. Tragic stories from around the world have been embedded into our conscience. Though many answers are needed, the big questions seep into our minds.

What really matters? How can I find happiness? Why is this happening?

The arts play a critical role in addressing these questions. In early March 2020 when Northern Italy was placed on lockdown, instead of demonstrations, looting and feelings of helplessness, it was the power of the arts that provided inspiration. Opera singer, Maurizio Marchini, took to his balcony to sing, his voice filling Florence’s empty streets with life once again as he gave his own rendition of Giacomo Puccini’s famous aria Nessun Dorma.

In Columbus, Ohio cello-playing siblings Taran Tien age 9 and his 6-year-old sister, Calliope, played a concert on the porch of an elderly neighbor, who had been isolating herself amid the coronavirus outbreak. Museums and galleries from around the globe are taking advantage of technology to provide virtual exhibitions, podcasts, and art classes.

Throughout recorded history, the arts have provided the “medicine” to uplift the spirits since they are fundamental to humanity and an invaluable component of a healthy community. On the front lines of the Covid-19 have been the extraordinary healthcare providers.

These amazing caregivers are putting their lives at risk to provide the treatment necessary for healing. The environments in which these angels save lives have gone through a transformation over the past decade. No longer are these institutions rendered with white walls, floors, and gowns.

The arts have embedded itself into the architectural design of healthcare facilities along with purposing commission paintings, murals, and sculpture. The approach towards human-

Bill Horin of ArtC photographed survivor Dorene Sellarole (shown together) for the AtlantiCare Healing Arts Program exhibit “Where Hope Grows” Located at the AtlantiCare Health Park Manahawkin, Janet Greco’s photograph Cedar Dock Run Road graces the walls of the waiting area.

Photo by Bill Horin

Artwork created by Pixel Parlor of Philadelphia covers the walls of the ARMC, Stanley M. Grossman Pediatric Center — Atlantic City Campus. Photo by Bill Horin

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LIFESTYLE ART istic care benefits not only the patients but the caregivers and family members.

Over the years there has been sound research literature on these benefits such as decreasing anxiety and blood pressure, increasing quality of life, and shortening the length of stay.

Dr. Wilma Bulkin Siegel, a pioneer in the hospice movement and award-winning artist, states, “We are human because of our brain, our hand, and our heart. Only the human being can express inspiration and emotion by combining all three and, thus, produce the expression of the human condition in writing, poetry, music, dance, visual art, and design, and theatrical art, both stage and screen — all a creative expression of the heart and soul. The arts can be used to heal both clinically as preventive medicines in mental health and for those suffering physically from illness. Furthermore, the arts can be used in professional education to teach young medical students the humanistic approach. In so doing, the arts can demonstrate the fact that we become a mirror image of who we treat. The healthcare provider will someday become the recipient of the care as a patient and thus should always be treating the patient as they wish themselves to be treated.”

Leading this charge in Southern New Jersey is AtlantiCare Healing Arts Program. Cheryl Broschard, Development & Cultural Project Coordinator, explains AtlantiCare recognizes it takes more than medicine to build a healthy community. Healing Arts is a unique initiative, designed to showcase original artwork by artists of New Jersey. Paintings brighten hospital corridors. Photography accents a medical office lobby.

Sculpture brings a landscaped courtyard to life. Art in the healthcare setting is helping to make AtlantiCare’s public spaces more appealing. By integrating the arts, we visibly demonstrate our intent to create a healing presence in our community.

AtlantiCare has made a commit-

DON’T FACE CANCER ALONE. ment to dedicate one percent of construction costs to public artwork. Much of the art was commissioned from New Jersey artists. It is one of the most ambitious projects in public art in the state.

It provides opportunities to discover the arts to thousands. Healing Arts also includes special events and art exhibitions.

The program brings the arts front and center, enhancing AtlantiCare’s mission to build a healthier community.

“Bra-vo,” a recent Healing Arts project art exhibit showcased the artwork of breast cancer survivors who came together to create works of art inspired by their experiences with cancer. Lead by Sweetwater artist, Kathy English, artists were encouraged to explore their experiences with cancer and give them hope.

Kathy helped each woman convey her specific hardships, worries, triumphs, and emotions through sculpture. They used bras as canvases. From candy pieces and candy wrappers to a field hockey stick; from sequins to seashells; and from faux flowers to old car parts, our artists found expression for their cancer stories — stories of success and fear; of resilience and hope; of pain and of survival.

I’m a five-year survivor of breast cancer,” says artist and AtlantiCare employee Kim Turner. Her exhibit, “Hakuna My Ta-Tas,” plays on the idea of “Hukuna Matata” — no worries — and pays homage to her support team — friends and family members who supported her through her diagnosis and treatment.

“Every day is a new day and every day is a good day,” she says. “It was wonderful for me to be able to sit down and put my thoughts into crafts — to build a bra based on what I’d been through.”

Without question, the arts will continue to be a catalyst for healing. As the road to recovery begins physically, emotionally, socially, and economically, the arts bring hope and nourishment to our souls. The musicians, singers, and artists of all mediums who shared their talents during this time of crisis have been just what the doctor prescribed! n

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ROUND 2 REINVENTED

Iron Mike Tyson is cultivating the fine art of acting in his oneman stage show.

By David Spatz

Mike Tyson

LifeStyle Entertainment

When word began leaking out that retired former world heavyweight boxing champ Mike Tyson was assembling a one-man autobiographical stage show, theatrical critics began licking their chops.

Maybe they couldn’t cut him down to size during the years when his dominance in the squared circle went virtually unchallenged, but now he was stepping into unfamiliar territory — the lights and sounds and all the little nuances and intangibles of life in the entertainment world.

Critics felt they’d have a field day using their words as knock-out punches in their reviews, shoving Tyson into the acting trash heap as quickly and efficiently as Tyson dropped former heavyweight champ Michael Spinks just 91 seconds into the first round of their title fight at what is now Jim Whelan Boardwalk Hall on June 27, 1988.

But when the final bell rang after his debut tour in an original show, written by his wife, Kiki, and titled “Undisputed Truth,” many critics had to grudgingly admit that Tyson didn’t embarrass himself. In fact, he did such a good job with the show that — with the help of a famous fanturned-friend named Spike Lee — Tyson is back on the road with an updated version of the show, “Undisputed Truth, Round 2.”

Despite his turbulent career in boxing and in life, especially during his early years, Tyson says it isn’t necessary for people to have seen the first edition of the show to understand the sequel.

“Not necessary,” says the former undisputed world heavyweight boxing champion, who recently brought his one-man show to Borgata’s Music Box. “It’s just a show, it’s entertainment. So even if you haven’t seen round one, round two is even better than round one. (The audience) is getting a better show without even seeing the first one.”

“Round one was very serious, intense, and it talks about a lot of really malevolent things,” he adds during a phone call from his Las Vegas home.

“But it won’t happen in (round two), because this one is explosive fun, it’s riveting and it’s informative, more so than the first one was.”

The inspiration for “Undisputed Truth” came when Tyson and his wife caught actor Chazz Palminteri’s one-man play “A Bronx Tale,” in

which the star plays 18 different roles. “It was so sensational and mesmerizing, and I remember explaining to my wife that I could do that, because I (talk to a lot of people) and it’s more like a Q & A,” he explains. “I felt like I was doing a theatrical piece like Mr. Palminteri.”

The path to Broadway for Tyson, 53, began in the mid-1980s when he went from amateur to professional boxer. Like so many fledgling boxers before him, he began by fighting a series of fourround matches on the undercards of bigger fights.

He already had four wins against no losses and was just 18-years-old when he made his Atlantic City Boardwalk debut at Resorts Casino Hotel.

After his lightning-quick wins that rarely lasted the full four rounds, Tyson was mesmerizing fans, experts, boxing journalists, and anyone who knew anything about the sweet science.

He barely broke a sweat as he systematically fought his way up the undercards and then down the Boardwalk on his way to first becoming a heavyweight contender, and then ultimately its undisputed world champion.

Former Trump Plaza Hotel & Casino owner Donald Trump hitched his wagon to Tyson’s brute strength and drawing power. He paid the fighter and his opponents millions of dollars in purse money to duke it out in what is now known as Jim Whelan Boardwalk Hall, but was just plain Convention Hall in those days. Trump liked to brag about how much money Tyson’s fights brought to his casino’s bottom line, because the fights attracted the highest of rollers and busloads of A-list celebrities. But the reality is that while Trump was shelling out the millions for a Tyson fight, it was all of Atlantic City that actually benefitted from the global attention every Tyson fight received.

Although he considers himself a professional entertainer and his athletic career is in the past, he stills pays attention to boxing. Like many, he wonders what happened to the boxing division he once dominated. There are few heavyweights these days who can come close to creating the excitement in and out of the ring that Tyson and his colleagues were capable of doing a generation ago. Iron Mike has a ready answer for the lack of heavyweight luster.

“Everything changes,” he says of the lack of

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star power in the heavyweight ranks. During Tyson’s glory years, the ring was loaded with charismatic heavyweights like George Foreman, Lennox Lewis, Evander Holyfield and even a guy few people had heard of, Buster Douglas, who may not have been the most charismatic fighter but who was briefly the flavor of the month after he stunned the world by handing Tyson his first professional loss after 37 consecutive wins, the majority by knockout. “But now (boxing’s) different.

Now we’ve got a 6’ 9” boxer who’s a great fighter,” he says, referring to undefeated heavyweight champion Tyson Fury, whose father named him in honor of Mike Tyson, who had just captured his championship boxing belt the year Fury was born.

While he claims to still be in good shape — and has also become such a big advocate for recreational marijuana that he owns his own commercial pot ranch in California — he has no desire to return to the athletic world. Nor does he feel like he’s lived two different lives — the first as a human battering ram who was a magnet for trouble, the other as an entertainer and compassionate philanthropist for kids’ causes.

“I look at my life as somewhat of a vessel to touch people and for them to touch other people,” he says. “I’m in the numbers game. There’s me and then there’s many, many others. So it’s not that I’m better than anybody. I’m just playing my part in the universe.” n

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Mike Tyson on stage for his one man show at the Borgata last March Photo by Don Kravitz

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LifeStyle Social

See more event photos at facebook.com/NJlifestyleMag.

The Pascale Sykes Foundation’s Whole Family Approach

Photo credit, Masterpiece Advertising

The Pascale Sykes Foundation’s Whole Family Approach grantees shined brightly when more than 325 stakeholders and experts in the field of family social services gathered in February for Working Together For Working Families. The one-day conference helped expand the national discussion on how the foundation is strengthening America’s low-income, working-class families.

Distinctive Car Toyz Groundbreaking

Distinctive Car Toyz, currently located in Pleasantville, had a groundbreaking ceremony in March at their future site. Located at 2800 Fire Road in Egg Harbor Twp., the new Car Toyz is set to open this summer.

Photos by Nick Valinote

Gilda’s Sip, Savor, Support at Vagabond’s

The 6th Annual Sip, Savor, Support was held in February at Vagabond Kitchen & Tap House. Guests enjoyed an evening of delicious food and open bar while Mike from 95.1 WAYV’s Mike & Diane show played great music all night. There was also a Silent Auction, Mardi Gras Mask Contest, and Raffle.

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Photos by Nick Valinote

LifeStyle Social

Sumbit your photos to njlifestylemagazine@gmail.com.

Epicurean’s Invade Kelsey’s

The Epicurean Society of South Jersey held a dinner in March at Kelsey’s in Atlantic City. Guests enjoyed a variety of butlered hors d’oeuvres, followed by a dinner entrée, such as shrimp, salmon or chicken, and delicious peach cobbler for dessert.

Photos by Nick Valinote

Epicureans Visit Il Mulino

Some 80 Epicureans gathered at the impressive Il Mulino restaurant at the Hard Rock in February to savor authentic Italian fare. Dishes included porcini stuffed ravioli in champagne truffle cream sauce, halibut over sautéed spinach, sage and prosciutto saltimbocca, and chicken parmigiana.

All Smiles at the Captain’s Table Benefit

Photos by Nick Valinote

Photos by Tom Briglia/PhotoGraphics

The Captain’s Table VIP Reception was held at the Atlantic City Convention Center in February. Featured were South Jersey’s most outstanding chefs and restaurants, where guests enjoyed small-bite menu items, fine spirits, live entertainment, and were the first to peruse the motor boats, yachts, and various water crafts at the Atlantic City Boat Show exhibits. The event was held to combat childhood hunger.

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Hard Rock Holds Wine Event

Photos by Nick Valinote

Council Oak Steak & Seafood hosted a four-course wine pairing dinner with wine maker Cara Morrison from the vineyards of Sonoma, California. Cara curated a pairing with a selection of fine wines such as Sonoma Cutrer Russian River Ranches, The Cutrer, and Pinot Noir. The grand tasting was Hard Rock’s Barrel Signature selection from the Les Pierres Vineyards.

HSHS Spartans Night at the Races

Holy Spirit High School held their annual “Night at the Races” this past February at the Tropicana Hotel & Casino. Guests enjoyed a fun and exciting evening of cocktails, dining, horse races, silent and live auctions, dancing, door prizes, 50/50 and more!

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Photos by Nick Valinote

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Vagabond EHT Ribbon Cutting

Vagabond Kitchen and Tap House held a ribbon cutting ceremony in March at the opening of their second location at McCullough’s Emerald Golf Links on Ocean Heights Ave. in Egg Harbor Twp. Vagabond is also located in Atlantic City.

Photos by Nick Valinote

Greater AC Chamber Mixer

The Greater Atlantic City Chamber, Cape May County Chamber, and Somers Point Business Association held a Spring Mixer at Josie Kelly’s in Somers Point in March. Guests had the opportunity to connect with local business owners and make new friends while enjoying great food and even better company.

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Chaine des Rotisseurs visit Mama Mia’s

Mama Mia Ristorante in Marmora welcomed the Atlantic City Bailliage of the Chaîne des Rôtisseurs for a multi-course extravaganza in March. The Chaîne des Rôtisseurs is the world’s oldest and largest international gastronomic society.

Photos by Nick Valinote

Forza Delivers Lunches to Frontliners

The Forza Insurance Group recently made their rounds dropping off lunch from Sac O’ Subs to the staff at AtlanticCare in Atlantic City and to the AC Police Department.

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Photo credit, Forza Insurance

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Hard Rock Doubles Down on Commitment to Team Members

Hard Rock Hotel & Casino Atlantic City doubled down on their commitment to team members this past May by providing a second round of $100 ShopRite Gift Cards to 3,000 full-time, part-time and on call personnel. The combined Gift Card Distribution efforts represent a $600,000 total commitment.

Photos by Nick Valinote

Stand Up for Autism 10

Faces 4 Autism held their signature sell-out event in March at Seaview Hotel to honor the Eagles & Eagles Autism Foundation. Guests enjoyed an evening of laughter and celebration at the Comedy Fundraiser, which included comedians Dena Blizzard and Carie Karavas. Proceeds benefit the organization’s Family Programs.

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Photos by Vernon Ogrodnek

LIFESTYLE | Summer 2020

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LifeStyle Eats

Vietnamese spring roll with vegetables

Veggies For Dinner Charred Farm Carrots, za’atar yogurt, wild flower honey from Ebbitt Room Photo by Jessica Orlowicz

Experience the many plant-based dining options our area has to offer.

By Molly Golubcow

Quinoa salad with veggies and fruit

I

n the not so distant past, going out to eat was a challenge if you were a vegetarian or vegan — pasta without meat, a cheesy pizza, or a salad — that was it. Today, dining options for vegetarians have blossomed.

According to a recent study conducted

by Vegetarian Times magazine, over 7.3 million people follow a strict vegetarian diet with a whopping 22.8 million being “vegetarian-inclined” — marketing statistics that restauranteurs have definitely noticed.

In fact, some restaurants are going 100% veggie or at the very least, dedicate an entire menu section to vegetarian and vegan options. From fast-food chains like Burger King and Dunkin’ to Michelin rated establishments, non-meat options have become the norm. Even a roadside diner will offer a veggie burger — maybe just a frozen paddy, but a sign that veggie options are becoming more mainstream every day.

The Atlantic City area is no exception to the growing tide of people wanting to eat healthier — for mind, body, and spiritual reasons. So, let’s take a look at some local plant-based options that can please a full-time or part-time vegetarian’s palette.

Vegan 15 Egg Harbor Township As one of the only 100% vegan dining options in the area, Vegan 15 is a dream come true for non-meat eaters.

As the name implies, Vegan 15 offers creative and healthy plant-based cuisine influenced from dishes across the world — all for under $15. For an appetizer, try the “Crab” Cakes topped with vegan

Malai Kofta

Bhindi Masala

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tartar sauce or the Chickpea Masala Roll with curried chickpeas, lettuce, cashew cream, and shredded “cheese.” Entrée options, inspired by Chef Bob’s quest for creativity, range from a vegan Sesame Ginger “Chicken” to the Tuscan Pesto Pasta; pasta, beyond sausage, organic broccoli, kale pesto, and topped with “parmesan.” Because Vegan 15 provides limited dine-in options, take out is the way to go. In addition, Vegan 15 delivers to a 30-mile radius — an easy way to get vegetarian/vegan specialties conveniently delivered to your home.

Grains & Greens Galloway, Northfield, & Margate From wraps to paninis, Grains & Greens offers 100% plant-based food and drink options. Healthy selections range from tofu scrambles for breakfast to veggie chili bowls topped with vegan “cheese” for lunch. In the mood for a sandwich or salad? Choose from several plantbased protein sources like veggie burgers, chik’n, and “meatballs.” For healthy and thirst-quenching items, Grains & Greens serves freshly made juices and vegan smoothies like the Coco Glow — Banana, berries, coconut milk, coconut flakes, and coconut water. Good, good for you, and fast is the combo you can always find at Grains & Greens. According to Michelle Barbera, local fitness instructor, “Healthy and clean options that I don’t have to think about is what I want. When I am running in-between clients and I need to refuel, I know where to go … Grains & Greens.”

Ebbitt Room Cape May The Ebbitt Room, a classic Cape May farm-to-dining restaurant, offers a variety of vegetarian choices. Under the creative direction of Executive Chef Jason Hanin, the Ebbitt Room serves plant-based options that are far from “afterthought side-dishes.” On the contrary, you can expect items influenced by international cuisine, such as Raw Vegan Lasagna in a red pepper marinara, Butternut Squash Cannelloni with kale and a cashew

nut ricotta, and Charred Farm Carrots with za’atar yogurt and wild flower honey. Chef Jason believes that serving vegetarian foods should be as inspiring as meat-based dishes. He strives to create interesting options for all guests. Chef Jason explains his philosophy of culinary inclusiveness, “It was important to me that we start showcasing plant-based cooking more. My vision was that no matter who was dining with us, everyone could have an awesome, fully comprised and elegant meal.”

Nazim’s Egg Harbor Township Although Nazim’s serves chicken and fish dishes, they devote an entire menu page of entrées just for vegetarians and vegans, including Malai Kofta — homemade vegetarian meatballs in a thick cashewbased gravy or Bhindi Masala — okra simmered in mild Indian spices. In addition to the 20 plus entrees, veggie appetizers are plentiful like the Goghi Manchurian — a crispy cauliflower tempura in a tangy red sauce.

Rainbow Ventnor When you think of teriyaki, meat or chicken dishes typically come to mind.

However, Rainbow offers vegetarians Tofu Teriyaki — generous chunks of marinated tofu over a tangy sauce with lots of fresh broccoli and steamed rice. For a tasty and unique beverage, try the Avocado Cheese Foam Tea — a chilled beverage that is a cross between iced tea and a smoothie.

You have to taste it to experience it!

Pho Life Egg Harbor Township Although most options at this Vietnamese restaurant are for carnivores, Pho Life offers a few alternatives. The Rice Paper Spring Rolls are packed with lettuce, basil, vermicelli, and tofu. To experience an authentic bowl of Pho — traditionally made with pork or other animal products — a mushroom-based veggie broth can be substituted that blends perfectly with the veggies, tofu, seasoning, and noodles. n

Lunch  Dinner  Catering ValentinasNJ.com 609.380.2466 njlifestyleonline.com

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LifeStyle Wine

Summer Wine Journey 4 Expert Tips on What to Savor this Season

By Michael Bray

G

reetings South Jersey & beyond! I hope this finds you healthy and enjoying the summer sun. I really enjoy connecting with many of you via email, text, as well as in-store. Your questions and engagement provide me the opportunity to connect our passion (for wine) with yours … and I never take that for granted. I’ve selected four questions below that I’ve received, and hope that it delivers some education and curiosity while on your wine journey.

Cheers!

What do you suspect will be the most popular wines of summer?

I’ll answer this from both an actual product perspective, as well as category. From the latter, this will continue to be the summer of canned wine, rosé wine, sparkling whites and reds (think Pinot Noir and Nebbiolo) that you can put a slight chill on. Especially with the heat we’ve experienced thus far, twenty minutes in the fridge will do the trick! As for actual producers: Scarpetta (a collaboration between a master chef and master sommelier from Italy); Whispering Angel and Miraval (both from Provence) continue to drive rosé sales; while Bele Casel Prosecco continues to dominate the sparkling category. One note: these are the most popular, per the question, however, there are so many other examples to explore.

What do you recommend to pair with shellfish, clams, and oysters?

I would drink Muscadet. Pronounced moos-cah-day — it is a dry white wine from Loire Valley France on the central western coast. Key point to remember, “old world” wines are labeled by place, whereas “new world” wines refer to a grape variety. So, in this case, Muscadet refers to the place, the “appellation,” whereas the grape variety is Melon de Bourgogne. Look for hints of apple, citrus and a kiss of their maritime influence (saltiness). Most commonly paired with seafood, its “Sur Lie” aging (a fancy wine term that makes a wine creamier, fuller and richer) allows it to pair beautifully with lighter chicken dishes, pastas and roasted vegetables too.

Someone recently brought me a bottle of Tempranillo. Is this special?”

Tempranillo refers to the (noble) grape variety of Rioja, Spain.

It’s hard to answer your question without knowing the producer.

Like Cabernet, prices can range from $10 to $100 (and higher). You

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will find flavors of strawberries, spices, leather, and fresh tobacco, with an ability to turn savory and earthy with bottle-aging. For those new to Temrpanillo, no better place to begin your journey than in Rioja with, Lopez De Heredia Vina Bosconia. Believed to have received its name from the Spanish word “temprano” (meaning, “early”), Tempranillo is an early-ripening variety that can perform in an enormous range of climates and soils. In fact, due to this versatility, you may find Tempranillo under several monikers across Spain’s outstanding wine-producing regions. For example, The DO of Toro calls this grape, perhaps not coincidentally, “Tinta de Toro.”

Catalunya (or Catalonia) is the DO near Barcelona, where there are several sub-regions experimenting with different Tempranillobased blends, where the grape here is called “Ull de Llebre.” If you’re a Cabernet drinker, I highly recommend Toro. If you prefer more rustic, lighter in body, I would check out Rioja first.

What white wine are you drinking right now?

I’ll give you my Top 3: (1). Aperture Cellars Chenin Blanc: led by winemaker, Jesse Katz, this 100% Chenin delivers flavors of quince, apple and stone fruits. Perfect for seafood. (2). Maison Gustave Lorentz Riesling: a brilliant example of what (dry) Riesling can achieve. This Alsatian white is a delicious pairing for sushi, while offering bright acidity, citrus fruit, minerality and great structure. And (3). Terenzi Balbino Vermentino Bianco: coming from Maremma Tuscany, clean and elegant on the palate, with the marked floral and fruity notes that are typical of this grape variety.

It has a lively freshness with a kiss of salinity from the coast. An ideal accompaniment for fish (both cooked and raw), shellfish, seafood soups and light, vegetable-based pasta recipes. You won’t be disappointed.

From all of us here at Passion Vines, we wish you continued health and fun this summer.

As always, if I may be of any assistance to you, please text 609-248-6065 or email me, michael@passionvines.com, anytime. I look forward to connecting.

Drink Passionately,

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Money Watch

The CARES Act Changes for IRAs and Retirement Plans

T

he Coronavirus Aid, Relief, and Economic Security or CARES Act, is a massive relief package passed by the U.S. government in March. While you are probably aware of $1,200 stimulus payments made to many Americans, the Act also added relief opportunities in other ways. Some of these changes came within your retirement plans or IRAs. One change came in the form of a temporary suspension to Required Minimum Distributions (RMDs) for year 2020. RMDs are required annual withdrawals that the IRS makes you take upon attaining age 72 (or age 70½ for those who turned 70½ before January 1, 2020). As an example, take an individual who is age 75 and has a million dollar IRA as of the end of 2019.

This year his RMD would have required him to take $43,668 out of his IRA. This would be taxed as ordinary income for 2020.

Additionally, he would have to sell investments, potentially at lower asset prices, to fund the RMD. For someone in a high tax rate, more than 40% of this money could have gone to Federal and State of N.J. in the form of taxes. By having this RMD suspended, this individual is able to keep his 2020 tax bill considerably lower while also keeping more money invested in his IRA. The CARES Act also allows qualified individuals to take a penalty-free distribution from their employer sponsored retirement plan or from their IRA if you are under the age of 59½.

Typically, individuals under 59½ pay ordinary income taxes, plus a 10% penalty or excise tax for tapping into these funds prior to retirement. The CARES act eliminates this penalty in 2020 making it cheaper for qualified individuals to access funds.

Two key parts to consider include what is a “qualified individual” and how exactly would the taxes on this distribution work? To be a “qualified individual” you generally would have had to have experienced adverse financial consequences or been diagnosed with COVID-19. The IRS provides specific guidance that can be found at: irs.gov/newsroom/coronavirus-related-relieffor-retirement-plans-and-iras-questions-and-answers.

Taxation of your distribution will depend on how you report it and you have two options. Your first option would be to report the entire distribution for 2020. This is straightforward and things would work the way they usually would if you were to pull money from your IRA or employer sponsored plan. The CARES

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Act also allows you to report the distribution “ratably over a three-year period.” Therefore, if you take $30,000 this year, you could report $10,000 in 2020, 2021, and 2022. Whether or not it makes sense to report the income this year, or over a three-year period, will depend on your individual situation so speak to your CPA if you do decide to take one of these distributions this year.

Loans from employer-sponsored plans have also increased to a maximum of $100,000, raised from a previous $50,000 limit. While taking a loan and borrowing from yourself sounds like a nice idea, make sure you understand how this process works before you proceed. Paying back the loan is typically done through your paycheck, so this could put a bit of a crunch on your monthly cash flow as you make payments on the loan.

The other thing to consider is that if you take $100,000 out of your 401(k), you will have less earnings power and you may be selling investments low in order to fund your $100,000 loan.

Furthermore, if you leave your employer, depending on the plan rules, you may have to pay back the loan in around three months or it would be reclassified as a withdrawal (subject to taxes and yes maybe a 10% penalty tax). Therefore, while these 401(k) loans may sound like a good idea, they often can put people in a further hole. As always, try to keep your money invested for the long-term. With interest rates as low as they are, finding alternate means of financing may make sense.

The CARES Act was a massive piece of legislation and with it, several relief opportunities do exist. Having a discussion with a knowledgeable financial professional can help you learn whether any of these opportunities could benefit you. n

Tom Reynolds, CPA & Matt Reynolds, CPA, CFP® Robert T. Martin, CFA, CFP® Gordon Shearer Jr., CFP® Jeff Hilliard, CFP®, CRPC Joseph McCaffrey This article is for informational and educational purposes only and should not be relied upon as the basis for an investment decision. Consult your financial adviser, as well as your tax and/or legal advisers, regarding your personal circumstances before making investment decisions.

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Firm

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CFP®, CPA, CFA, CRPC n As SEC REGISTERED INVESTMENT ADVISORS we adhere to a higher standard of fiduciary care.

609-380-3500 332 TILTON ROAD, NORTHFIELD, NJ www.crafinancial.com

We are CRA Financial.

Thomas Reynolds, CPA Matthew Reynolds, CPA, CFP® Robert Martin, CFA®, CFP® Gordon Shearer, Jr, CFP® Jeffrey Hilliard, CFP®, CRPC® Joseph McCaffrey

n As PRACTICING CPA’s we understand the complexities of the current tax system and work to maximize tax efficiencies. n As INDEPENDENT ADVISORS, we remain product neutral, transparent, and answer only to you, the client. n With an emphasis placed on FUNDAMENTAL FINANCIAL PLANNING, we strive to help you achieve your long term investment goals. n With over $800 Million in assets under management, we have the RESOURCES, the EXPERIENCE and the KNOWLEDGE to help you achieve your financial goals.

NOW PERFORMING ELECTIVE PROCEDURES, WITH EXTRA SAFETY IN MIND. Keeping you safe is how we operate.

Your health can’t wait. That’s why AtlantiCare has resumed performing elective surgeries, going above and beyond to make your safety our priority. Throughout southeastern New Jersey, we’re performing complex surgeries and using the latest minimally invasive technologies — starting with a health screening for each patient. So you can get safe elective surgery from highly experienced, board-certified surgeons, without going far from home.

To keep you safe during your office visits and surgeries, we have: • Modified our visitor policy • Required face masks for all patients, visitors and staff • Changed the layout of our waiting rooms and lounges to ensure physical distancing • Increased our cleaning and disinfecting • Removed nonessential items that could spread infection • Installed plexiglass shields • Added more hand hygiene stations

You’ve been waiting. Now it’s time to get well.

Call 1-888-569-1000 to schedule an elective procedure.

Or to learn more about what we’re doing to keep you safe, visit www.atlanticare.org/safety.