Network Magazine | Issue30 | Spring 2023

You have a vision. Your story is unique. And running a business is a journey filled with challenges you overcome on a daily basis.

So when you have an opportunity to grow your business, you just need a partner who believes in your vision, sees your determination and drive, and supports you. Having a relationship with someone who sees what’s possible makes all the difference.

Whether it’s financing options to help you grow or business tools for streamlining efficiency, it’s time to explore your possibilities with Univest.

FINANCIAL SOLUTIONS FOR YOUR BUSINESS

The partners of NETWORK MAGAZINE™ proudly present the latest edition of the Lehigh Valley's first ever, high end, business leader driven B2B magazine. Our goal is to continually present our readers relevant content to build your organization, from the region's top business leaders and experts on today’s industry news and trends.

Our leading contributors will continue to change quarterly, sharing information that stays fresh and current. The opinions, tips, and insights on how to best navigate business pitfalls are all provided by the Lehigh Valley's best thought leaders. Our writers are un-censored giving you profound insight from their years of experience from their given field of expertise.

To learn more about how you can become a part of NETWORK MAGAZINE™ as a Contributor or an Advertiser, please contact Ray Bridgeman: ray@mynetworkmag.com

PUBLISHERS

Ray Bridgeman & Chris Morganelli

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Chris Morganelli

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SOCIAL MEDIA COORDINATOR

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EVENT PHOTOS Kate Lynn of K8 Pics

For

SUNDAY, JUNE 11, 2023 | 3-6 PM 19th Street Theatre | Theatre 514

Join us for a MUSICAL REVUE & AUCTION to benefit Civic Theatre of Allentown

• Experience a glittering, exclusive performance on the historic 19th Street Theatre stage

• Enjoy a tapas reception with signature drinks and live music

• Bid on fantastic silent and live auction items

Greg Butz President & CEO, Alvin H. Butz, Inc.

www.civictheatre.com

Our Wedding is this June.

Prenup. Should We?

A. HARRIS, ESQUIRE, LL.M (TAXATION) EQUITY MEMBER, CHAIR OF ESTATE TRUST AND TAX GROUP, NORRIS MCLAUGHLIN, P.A.

Prenuptial agreements have long been recognized as providing definition to and protection of a married couple's assets and income, as well as gifts and inheritances, in the event of a separation or divorce of the parties. Equally important are the definition and protection they can provide in the event of the death of one or more members of the couple.

It is not unusual for well-established, successful clients with ample assets to arrange to meet with me well in advance of their marriage--or re-marriage--to engage in planning for the drafting and negotiation of a Prenuptial agreement to be signed by the parties before they marry. Often, a focal point of such agreement is the protected inheritance of a party’s assets for his or her children, from the prior marriage, in the event that the parent dies survived by his or her new spouse. For example, in the absence of a valid Prenuptial agreement, a spouse who is left less than one-third of his or her spouse’s estate upon death—either by Will or otherwise-has the right, under Pennsylvania law, to claim, as a matter of right, with a limited period of time, one-third of the deceased spouse's estate. This right is also known as the "elective share." State law defining which assets constitute the "estate" for purposes of this claim is detailed and warrants a careful

review. Nevertheless, this is a spousal right under the law of Pennsylvania and certain other states. This right can be mutually waived by the parties in a valid Prenuptial agreement.

Not until recent years, however, have I witnessed such great and unprecedented interest by younger, less-established clients embarking on first marriages in securing Prenuptial agreements to protect them in the event of separation, divorce, or death. This is a favorable trend, having the potential to benefit both parties in several ways. Specifically, the discussion and exchange of information required by the parties in developing such an agreement are generally among the best practices for most couples, requiring consensus as to how best to plan for their domestic life together, maintain household budgets, growth, care of family, educational needs, and unanticipated life events. In addition, it often reflects an awareness on the part of the parties, even at relatively young ages, of their respective parents or family's own estate planning wishes and the parties' desire to receive and protect possible gifts and inherited assets in the future.

A good Prenuptial agreement defines the rights and obligations of the parties in the event of separation, divorce, or death. Less frequently, clients who have already married

We don’t have a

JUDITH

seek my representation to enter into Postnuptial agreements, either because they did not enter into a Prenuptial agreement before their marriage or because the parties now wish to modify an already existing Prenuptial agreement to address changed circumstances or certain financial or other conditions. If carefully drafted, negotiated, and executed, a Postnuptial will be equally enforceable as a Prenuptial agreement.

Other important features and best practices of a valid and enforceable Prenuptial or Postnuptial agreement include the following:

1. Written disclosure by each party to the other of his or her current assets, income, and liabilities incorporated into the agreement.

2. Independent legal counsel for each of the two parties. Though the right to independent counsel may be waived in writing, best practices prefer separate counsel for each party to preclude future claims of duress or undue influence.

3. Reference to special financial arrangements desired by the parties, such as maintaining joint bank accounts for depositing the parties' wages or other income, paying certain household expenses, improvements, taxes, and other recurring items.

4. Reference to applicable state property, divorce, and inheritance laws. Pennsylvania laws in such areas vary in certain respects from the laws of other states.

5. Definition of the treatment of gifts and inheritances received by the parties before and during the marriage. Gifts and inheritances do not constitute “marital assets” subject to division in a divorce if the recipient keeps such assets separate and individually owned. However, the income earned by the gifted or inherited assets and the growth of those assets during the marriage could be construed as marital assets. A valid Prenuptial agreement will protect all aspects of a party’s gifts and inheritance.

6. Signature of the agreement well in advance of the marriage, without undue influence on either party by the other.

7. A valid Prenuptial agreement will supersede the provisions of one’s Will and any testamentary Trusts. Nevertheless, it is imperative for each party to have an up-to-date estate plan (Will, Financial Power of Attorney, and Medical Power of Attorney/Living Will) in effect at all times.

FOR MORE INFORMATION, PLEASE VISIT

www.morethanjustlawyers.com.

WE ARE MORE THAN JUST A COLLECTION OF LAWYERS WHO PRACTICE TOGETHER

We are teammates, colleagues, mentors, and friends committed to a philosophy of service that delivers on promises of quality, integrity, and value. Our clients look to us as their trusted advisors and business partners and we are committed to their success.

WE UNDERSTAND HOW TAXATION AND TAX LAW AFFECTS BUSINESSES AND INDIVIDUALS – FROM MERGERS AND ACQUISITIONS OR FRANCHISE SALES TO EMPLOYEE BENEFITS – REGARDLESS OF THE SIZE OF THE BUSINESS OR INDIVIDUAL MATTER

We offer cross-disciplinary counsel, serving those with the following needs: business tax, individual income tax, employee benefits, trust and estates, and tax controversy needs.

BECAUSE FEDERAL, STATE, AND LOCAL LAWS UNDERGO REFORM AND CHANGE EACH YEAR, WE UNDERSTAND HOW IMPORTANT IT IS TO KEEP PACE WITH THOSE CHANGES AND ADJUST STRATEGIES AND PLANNING ACCORDINGLY, SO OUR CLIENTS REMAIN IN COMPLIANCE WITH THIS VITAL ASPECT OF THEIR BUSINESSES

Judith A. Harris, Co-Chair of the Estate, Trust, and Tax Law Practice Group, has over 30 years of experience in the areas of taxation, wills and trusts, estate administration, business matters, and tax-exempt entities. She handles the resolution of tax controversies for business and individual taxpayers before all divisions of the Internal Revenue Service and the Pennsylvania Department of Revenue. These cases often involve estate, business, and individual audits, or the resolution of collection efforts such as liens, levies, and garnishments by the IRS and state taxing authorities.

USCIS Unites for Ukraine

As the war in Ukraine enters its second year, many are asking what the United States is doing for those whose lives have suddenly changed. USCIS, a Department of Homeland Security division, has been welcoming Ukrainian citizens and their immediate family members into the United States via a specialized parole program. This program was announced in response to the Russian invasion of Ukraine that started in February of 2022. Uniting for Ukraine builds on the robust humanitarian assistance the U.S. government already provides to complement the generosity of European countries currently hosting millions of Ukrainian citizens and others displaced by conflict. Under this program, eligible Ukrainians and their family members receive a 2-year humanitarian parole – a form of temporary status in the United States. When people ask our office what they can do to offer assistance in this conflict, we point to this program. While it is always advisable to have attorney assistance to conform with the specific rules of any program if you wish to welcome Ukrainian citizens into the United States, here is one opportunity worth considering.

The eligibility of beneficiaries is determined by residence and citizenship. Beneficiaries of the program must have resided in Ukraine immediately before the Russian invasion (through Feb. 11, 2022) and be displaced due to the invasion. Additionally, beneficiaries must be Ukrainian citizens possessing a valid Ukrainian passport (a child included on a parent’s passport counts as well); or, if not a Ukrainian citizen, must be an immediate family member (usually a spouse or child) of a Ukrainian Citizen benefiting from Uniting for Ukraine. The Department of Homeland Security also confirms biographic information through biometrics and security checks.

Most critically, Ukrainians must have a supporter who files Form I-134A on their behalf, which USCIS vets and confirms as sufficient with clear biographic and biometric security checks. Supporters in this program are required to file an I-131A, Online Request to be a Supporter and a Declaration of Financial Support at the outset. Folks eligible to serve as sponsors include U.S. citizens and nationals, Lawful permanent residents, Lawful temporary residents, and Conditional permanent residents – even certain non-immigrants may apply to sponsor, so long as they have lawful status in the United States. USCIS requires Sponsors must pass background vetting and demonstrate sufficient financial resources to receive, maintain and support the Ukrainians throughout their stay in the US.

As this is a humanitarian program designed to assist displaced persons fleeing a devastating international conflict, they promise to fulfill certain responsibilities when the supporter files Form I-134A and commit to the program. The necessary types of support that form part of the sponsorship include welcoming the beneficiary immediately upon arrival in the United States and traveling with them to initial housing to ensure the beneficiary has a safe home with initial basic living necessities. The supporter must also help the beneficiary complete paperwork for things such as employment authorization, a Social Security card, and social services for which they may be eligible. This ensures the beneficiary's health care and medical needs are met for the parole term. There is also a chance for the beneficiary to access education, learn English, enroll children in school, and find employment. While the commitment may be high, your sponsorship can

KATHRYN T. ALBARELLI PARTNER CROSSON RICHETTI AND DAIGLE LLC

change the lives of those displaced by war. Should you want to support more than one individual you may do so, by filing an I-134A for each person.

There is obviously much more to discuss, but what is clear is that this program fulfills an urgent humanitarian function while welcoming individuals into the United States who surely need our hospitality. While this hospitality may primarily take the form of various types of financial support, the program also encourages being a good neighbor, looking out for the mental and physical wellbeing of another human being, and being that friendly face and support system as folks transition into our communities and into the fabric of the United States.

The United States has long welcomed those fleeing war and persecution. It is what brought early settlers here hundreds of years ago. With the Uniting for Ukraine program, we hold fast to these ideals; to welcome newcomers to our great country and protect people who have suffered devastating hardships. Should you want to carry on the torch and join Uniting for Ukraine, speak with an immigration attorney near you.

On May 2, 2023, Pennsylvania's expanded Breach of Personal Information Notification Act (SB 696, Act of November 3, 2022, PL 2139, No. 151) goes into effect. If your PA organization maintains a database of personal information about your customers or constituents, you may be liable for reporting and communicating compromised data or cyber-attacks in an expeditious manner, even if you weren't previously required to do so. How can your company prepare for this new law?

Expanded definition of personal information

First things first - what is personal information? Personal information includes an individual's first name or first initial and last name linked with one or more of the following unencrypted or unredacted data elements:

• Social Security number;

• Driver's license or State ID card number; or

• Banking or financial account information with security code or login credentials.

• Within the context of this law, personal information excludes "publicly available information that is lawfully made available to the general public from Federal, State or local government records or widely distributed media." The expanded definition of personal information in PA now also will include:

• Medical information (history of medical treatment, conditions, diagnoses);

• Health insurance information; and

• Login credentials (username/email address and password or security question) to an online account.

• This type of information is found in the records of many organizations, such as those that offer online content access or childcare with emergency contact information.

Does the PA Breach of Information Notification Act apply to you?

Individuals, organizations, and agencies that meet the definition of "covered entity" and "business associates" that help covered entities engage in healthcare activities and functions are already subject to HIPAA. These organizations are specifically mentioned in the expanded law as compliant with it.

However, state agencies, municipalities, and schools that maintain the information noted above are now also required to notify of data breaches, as well as vendor partners who support personal information management. Notably, vendors that maintain, store, or manage computerized data on behalf of another entity must provide notice of any security breach to the entity. The entity remains responsible for discharging any other reporting obligations under the act.

What actions and notifications are required?

In addition to properly storing and encrypting data, organizations must take the following steps in notifying affected individuals as well as certain state and federal agencies of a breach according to these timelines:

Notification of data breach by all entities covered under the Act

• To the individual via written, telephonic, or in limited circumstances via email notice in a timely manner. (Substitute notice is permissible due to financial burden.)

• To relative consumer reporting agencies when impact is more than 1,000 persons at one time, without unreasonable delay, as defined in section 603 of the

MARALEEN D. SHIELDS, ESQ., FITZPATRICK LENTZ & BUBBA, P.C.

Are you prepared for a personal information data breach in PA?

Fair Credit Reporting Act (Public Law 91-508, 15 USC § 1681a), of the timing, distribution, and number of notices.

Notification of data breach by State agency or State agency contractor

• To the Office of Attorney General within seven (7) business days; and

• If agency is under the Governor's jurisdiction, to the Governor's Office of Administration within three (3) business days.

Notification by county, public school, or municipality

• To the district attorney in the county where the breach occurred within three (3) business days.

How can you prepare to abide by the expanded Act?

To avoid a violation of this act, i.e., allowing the Office of

Prepare your organization to comply with the expanded PA Breach of Personal Information Notification Act when you:

• Conduct an audit - utilize internal or external support to identify potential security gaps in an effort to prevent attacks and breaches

• Review and update your policies - establish protocols for who is responsible for what in case of a data breach; ensure each individual knows their roles and reporting obligations

• Practice - consider doing a data breach drill and give each person an opportunity to familiarize themselves with their responsibilities; create communication templates that can be used for those affected by a breach, as well as to appropriate state and federal offices

THE CLUB AT TWIN LAKES

Cleaning Up Your Criminal Record

You made a mistake. You now have a criminal record. Will it haunt you forever?

Unfortunately, a single mistake leading to a criminal charge or conviction may have consequences far beyond any criminal penalty. Potential employers may see a criminal charge or conviction on your background check prior to making an employment offer. Certain convictions will limit your ability to qualify for student loans. Publicly available dockets can be a source of embarrassment. However, in Pennsylvania, there are several ways to seal or expunge a criminal record.

EXPUNGEMENTS

An expungement is an order issued by a judge directing criminal justice agencies, law enforcement agencies, courts, etc., to destroy records related to a criminal charge or conviction.

Expungements are available in the following limited circumstances:

• Where you were not convicted of a crime, including not guilty verdicts or charges that were withdrawn, dismissed, or nolle prossed (the prosecutor has decided to abandon the matter).

If your charges are dismissed prior to trial or you were found not guilty following a trial, the charges themselves remain a matter of public record. You can actively request the expungement of these records pursuant to Pennsylvania’s

expungement law. However, if you plead guilty to only certain charges and other offenses are withdrawn, dismissed, or nolle prossed pursuant to a negotiated guilty plea, the District Attorney may object to expungement of the other charges unless the negotiated plea is conditioned on their expungement.

• Successful completion of the Accelerated Rehabilitative Disposition (ARD) program

Accelerated Rehabilitative Disposition (ARD) programs are available in every county in Pennsylvania. ARD is a diversionary program for low-level misdemeanor offenses like DUI and a small amount of marijuana offenses. ARD typically includes a brief period of supervision and payment of court costs and fines. Notably, ARD does not result in a conviction. If someone successfully completes ARD, the court will order the expungement of any associated criminal record. PennDOT, however, will retain a record of any DUI conviction for ten years, despite the expungement order.

• Underage drinking offenses, where the person has satisfied all terms of the sentence

If you received an underage drinking citation between the ages of eighteen and twenty-one and have completed the terms of any sentence, including the associated license suspension, you are eligible for expungement of this conviction when you turn twenty-one.

• Summary offenses, if you have remained arrest free for five years

ATTORNEY SARA A. MOYER, GROSS MCGINLEY LLP

Low-level summary offenses like disorderly conduct or harassment are eligible for expungement five years from the date of conviction if you have remained arrest-free during that period.

• Individuals who are seventy years or older and have been free of arrest for ten years or individuals who have been dead for three years

With the exception of certain sexual offenses involving minors, a person over the age of seventy with no arrests for at least ten years following any release from incarceration is eligible for expungement. Similarly, a person who has been dead for three years is eligible for expungement (yes, seriously).

•

Certain juvenile convictions

The expungement rules for juvenile offenses are more nuanced. There is a common misconception that juvenile offenses are automatically expunged when you become an adult. This is not necessarily true. Access to these records outside of criminal justice agencies is generally limited.

CLEAN SLATE LAW

If you’re not eligible for expungement, Pennsylvania’s Clean Slate Law may still provide relief. Pursuant to this statute, certain offenses are subject to automatic sealing. Other misdemeanor offenses may be sealed by filing a petition with the court. Sealing is not the same as expungement, and these records remain available to criminal justice agencies. Sealing restricts public access to these records. For example, sealed records would not be available in most pre-employment background checks.

Charges which were dismissed, withdrawn, or nolle prossed are automatically sealed after sixty days, or they can be expunged. Summary convictions are automatically sealed after ten years if you remain conviction-free.

Most ungraded misdemeanors, third-degree misdemeanors, and second-degree misdemeanors are automatically sealed

if you remain conviction-free for ten years. A petition is required to seal certain lower-level misdemeanor convictions, like simple assault, recklessly endangering another person, harassment, or qualifying first-degree misdemeanors. Additionally, a petition may be required to seal misdemeanor offenses if your record includes more serious charges.

The Clean Slate Law does not currently apply to felony offenses.

PARDONS

A pardon acts to restore a convicted person's rights as if they had never committed the crime. The Pennsylvania Board of Pardons reviews all pardon applications and makes a recommendation to the Governor, who decides whether or not to grant a pardon request.

A pardon application contains information about your criminal charges and a statement about why you believe you should be pardoned. The Board of Pardons reviews all applications and decides whether to grant you a public hearing. At the hearing, you, and other members of the public, including victims, have the opportunity to testify. The Board then votes on whether to recommend the pardon.

The pardon process is generally lengthy—often taking years to reach a public hearing. Recently, however, the Board of Pardons offered an expedited review program for non-violent marijuana-specific convictions. While this program only accepted applications in September 2022, decisions were expected within six months. If successful, the Board of Pardons may offer similar expedited programs in the future.

Don’t let one mistake follow you for a lifetime. Qualifying criminal charges and convictions can be removed or hidden from public records.

Selling the House During a Divorce: How to Keep It Drama Free

DOROTA GASIENICA-KOZAK FAMILY ATTORNEY AND ADOPTION/ART CHAIR, KINGSPRY

A couple's family home is usually their most significant financial investment and an object of great sentimental value, so a family dwelling can be a hot-button issue when couples decide to divorce.

In many divorces, selling the home makes the most financial sense. However, when two people do not see eye to eye, a home sale can become complicated and fraught with tension for both buyer and seller.

Below, we explain what you need to know when buying a home from a divorcing couple and outline some steps divorcing spouses can take to make the process go as smoothly as possible.

Select a realtor and determine the sale price: Retaining a professional, unbiased realtor is in both parties best interests. If you and your spouse can agree, you should interview agents together and choose one to list your home. If not, consider using an agent recommended by your attorney, friends, or neighbors you both trust.

Similarly, agreeing on a sale price may be a point of contention. One spouse may want to sell a home quickly, while the other is prepared to wait for a better offer. Both parties should defer to the realtor's professional advice or, if needed, the advice of a neutral appraiser. Additionally, your divorce attorney will assist in evaluating your assets and the home appraisal process to ensure the property is listed at fair market value.

Decide who will live in the home during the divorce: It is not unusual for one spouse to live in the family home while it is listed for sale. This spouse typically keeps the house ready and available for showings. If that is not possible, the couple should consider hiring a housekeeping or lawn service to ensure the best showings. If the house is empty, the couple should discuss whether the home should be staged and who will pay for those costs as part of the divorce.

Decide who should cover costs for repairs to prepare the house for market. For example, the house may need minor work, such as a fresh coat of paint and new carpeting, or more significant repairs. Again, a realtor can advise what repairs are necessary and most likely result in better offers. The divorce

attorney will assist in tracking such costs for payment and reimbursement in the divorce.

The couple should also decide who will pay the mortgage, home-owners insurance, and property taxes while the house is on the market and who will pay for unexpected expenses such as a leaky pipe or broken dishwasher. The couple may decide that the spouse who foots the bill for repairs, the mortgage, or other costs will be reimbursed by receiving a larger share of the proceeds after the house sells. Your divorce attorney will assist you in coming up with a fair and equitable arrangement and draft the necessary documents to secure the sale.

Decide what to do with the house sale proceeds: Once the sale has been finalized, both parties should settle all costs before divvying the profits. Many of these expenses will be taken care of at the closing. Standard costs include paying off the mortgage and any equity lines of credit, paying liens for unpaid property taxes, and paying closing costs. If a property settlement has yet to be reached, it is best to hold the proceeds in escrow until the agreement to safeguard equitable division and distribution of the marital estate.

It is essential to know that Pennsylvania is an "equitable distribution" state. That means that if a couple cannot agree on how their assets should be divided and distributed, the court will step in to divide the property fairly. For the record, "equitable" does not necessarily mean a 50/50 split. The court will consider other factors, such as how long the couple has been married and the income and property of each spouse at the time of marriage and divorce. It is usually best for both parties to reach a mutual agreement about the division of assets instead of leaving it up to the court.

The best advice is for both spouses to be flexible and cooperative throughout the home sale process. Keep the disputes out of the sale process. Leave the disputes to the divorce attorneys. After all, it's in your best interests to sell your home as quickly as possible. Consult with your attorney if problems arise. They are experts in this area and can provide helpful advice during this stressful time and save the deal.

Medical marijuana cards and drivers’ licenses - A recipe for prison in Pennsylvania.

PAUL M. AAROE, II, ESQUIRE AAROE LAW OFFICES

With the surge of medical marijuana patients in Pennsylvania and the enactment of the medical marijuana act, another much less talked about thing is surging - medical and non-medical marijuana DUI arrests and convictions.

You cannot drive a vehicle in Pennsylvania if you have THC or its metabolite in your system. The metabolite is what the body makes when it breaks down the THC.

See 75 Pa.C.S.A. 3802(d)iii:

“(d) Controlled substances. --An individual may not drive, operate or be in actual physical control of the movement of a vehicle under any of the following circumstances:

(1) There is in the individual's blood any amount of a:

• (i) Schedule I controlled substance, as defined in the act of April 14, 1972 (P.L.233, No.64), known as The Controlled Substance, Drug, Device and Cosmetic Act.

• (ii) Schedule II or Schedule III controlled substance, as defined in The Controlled Substance, Drug, Device and Cosmetic Act, which has not been medically prescribed for the individual: or

• (iii) metabolite of a substance under subparagraph (i) or (ii).”

THAT IS THE LAW!!!

In other words:

If you get a med card and you ingest THC, and you drive with the metabolite in your system, you are committing a criminal offense, even if you’re not high. The metabolite can remain in your blood for over 45 days.

In Commonwealth v. Dabney, 2022 PA Super 82 (May 5,2022), the Superior Court held that the medical marijuana act does not supersede the DUI act.

“Having found that Section 3802(d)(1)(i) applies to all marijuana, even medical marijuana, we likewise conclude that Section 3802(d)(1)(iii)

applies to metabolites of all marijuana, including medical marijuana. First, subparagraph (iii) references subparagraph (i), which has no exception for medical marijuana. Second, unlike in Glenn, 233 A.3d at 846, it is illegal to drive with the active substance of marijuana in one’s blood. Therefore, it is not absurd or unreasonable that it is also illegal to drive with a metabolite of that substance in one’s blood.

Because Dabney drove with marijuana in his blood, and because all marijuana, including medical marijuana, remains a Schedule I controlled substance for purposes not prohibited by the MMA, we hold that Dabney could be charged and prosecuted under Section 3802(d)(1)(i) and (iii).” Id.

It was this writer's opinion when the legislature enacted the medical marijuana act, they should have done one of two things. Either they should have taken peoples drivers licenses when issuing a medical marijuana card, or they should have decriminalized driving with just the metabolite in the system, without any signs of impairment.

They did not. Therefore, if you are an out-of-state, legal recreational marijuana user, or a legal Pennsylvania medical marijuana user with a medical card, if you drive in Pennsylvania, you are committing a criminal offense with the following MINIMUM jail penalties:

• 1st offense- 72 hours to 6 months

• 2nd offense- 90 days to 5 years

• 3rd offense- 1 year to 7 years (felony 3)

• 4th offense- 1 year to 10 years (felony 2)

EVEN IF YOU WEREN’T HIGH!

Paul M. Aaroe, II, Esquire

Has been practicing DUI law for over 30 years in both New Jersey and Pennsylvania. He's known as the "DUI GUY" by his clients and his peers.

www.DUIguyNOW.com

Introducing The Implant Center by St Luke’s OMS

Have you or a loved one ever needed to have a tooth extracted? If so, did you ever consider what you would do to refill the space where your tooth once was? For years, people believed the only way to replace teeth was with dentures once all your teeth fell out. What was someone to do if they had a single tooth come out? And what was someone to do if they found dentures to be uncomfortable? One of the most effective ways of restoring your smile is by obtaining dental implants.

What Are Dental Implants?

In its simplest terms, a dental implant is a permanent prosthetic replacement for missing teeth. In the year 2022, more and more people are looking into dental implants as an option with their dental providers. The introduction of dental implants to replace missing teeth is a practice that has completely revolutionized the field of dentistry, especially for patients who may not feel comfortable with dentures, bridges, or any other dental replacement.

What are the Benefits of Dental Implants?

One of the most notable benefits of dental implants is their ability to get patients back to feeling confident about their smiles. Oftentimes patients who struggle with dental problems suffer from low self-esteem and are looking for a way to help themselves. Dental implants are an excellent solution for them. In fact, with proper care, a dental implant can last a lifetime.

Aside from aesthetics, there are also medical benefits to getting a dental implant. Dental implants can help prevent bone loss in both the upper and lower jaw. The presence of an implant can help to add structure and save adjacent teeth.

Implants are easy to maintain as well, only requiring the need to brush and floss the area. No extensive cleaning care products are needed that may be required if you were to choose dentures instead.

Why Choose The Implant Center?

Multiple restorative implant services are offered at the Implant Center by St Luke's OMS, such as All-on-4, trefoil, and traditional endosteal implants. The Implant Center prides itself in being the only provider in the region to have a YOMI surgical robot. This new technology does not replace the surgeon's role but ensures more efficiency in surgery. The YOMI robot is a state-of-the-art robotic technology that will assist in guided implant surgery. With this new surgical tool, greater accuracy and improved surgical and restorative outcomes are to be expected as a result.

In addition to implant placement, The Implant Center by St Luke’s OMS is also proud to offer aesthetic services, specifically Hydrafacial treatments. Hydrafacial treatment is a noninvasive skin resurfacing treatment that combines cleansing, exfoliation, extraction, hydration, and antioxidant protection that remove dead skin cells and impurities while simultaneously delivering moisturizing serums into the skin. In contrast to treatment like microdermabrasion, Hydrafacial is a much gentler approach that offers quicker results. The Hydrafacial wand vacuums out the pores while infusing moisturizing serum, leaving a patient feeling soothed and refreshed.

The Implant Center by St Luke’s OMS is now open and seeing patients. We are proud to be your choice in oral surgery. Call us at 610-844-0000 If you are interested in hearing more about what The Implant Center has to offer or are interested in scheduling your first consultation.

WAYNE SAUNDERS, DMD, CHAIRMAN OF ORAL & MAXILLOFACIAL SURGERY, ST LUKE’S OMS

Crosson Richetti & Daigle

A Full - Service Family Law Firm

Distorted Reality: A Snapshot into Psychosis.

Throughout our lives, we constantly gather information from the myriad of experiences we have each day, week, month, and year. Some of these experiences are unique, while others are shared with countless others, and these experiences are what make up reality. For most, the reality we experience makes sense to us and others because our perceptions of these experiences are either similar or come from a perception we can comprehend. However, there are some who experience an altered state of perception which can cause them to experience a distorted reality. These perceptual differences can occur from illusions where a person’s senses are tricked into experiencing something false to trick the brain, but others are the result of an imbalance of certain chemicals or abnormalities in the structure of the person’s brain, causing them to perceive something that is not actually there, known as hallucinations.

These hallucinations are false perceptions based on information the brain creates and makes the person believe it was taken in by our senses. While auditory (hearing) hallucinations are the most common type of hallucination experienced, visual (sight) and tactile (touch) hallucinations are also among the three most recognizable types of hallucinations because of their popularity in movies, television shows, video games, and other media/entertainment sources. The popularity of these three is partly due to the large impact these three senses have on our daily lives, with most of the information we take in coming from these three senses and the scenes that can be created and communicated across to the viewers. However, there are many other types of hallucinations experienced by those suffering from psychosis, such as: olfactory (smell), gustatory (taste), presence (feeling like somebody is in the room with you or right behind you), proprioceptive (feeling like your body is moving or flying when it is not), hypnopompic (occur while you are waking from sleep), and hypnagogic (occur while you are falling asleep). While some of these can be more impactful on a person's day-to-day functioning, they all have the same impact of distorting a person's reality and the potential to significantly impact their relationships.

Individuals experiencing hallucinations because of psychosis are often assumed to be suffering from a psychiatric disorder,

as numerous psychiatric disorders hallucinate as a common symptom associated with them. Some of these common diagnoses include Schizophrenia (or diagnoses on the Schizophrenia Spectrum), Schizotypal Personality Disorder, Bipolar Disorder (occurring during severe manic episodes), and Major Depressive Disorder with Psychotic features (also known as Psychotic Depression). While these are more common, there are medical conditions that are also known to cause hallucinations in those with the diagnosis and can have just as much of an impact. These conditions include Parkinson’s Disease, Alzheimer’s Disease, Lewy Body Dementia, Epilepsy, Narcolepsy, Charles Bonnet Syndrome (specifically visual hallucinations), and those suffering from a terminal illness. Additionally, hallucinations and psychosis can also be brought on by medications used to treat these and other psychiatric and medical diagnoses due to the cells they target, a person’s sensitivity to certain medications due to their age or based on the dose of the medication they are currently taking. Although it may still be hard to believe, hallucinations and psychosis are far more common than people tend to believe, with a range of 6-15% of the general population expected to experience hallucinations and 3% of people within the United States experiencing at least one psychotic episode within their lifetime.

That raises an important question: What do you do if you notice somebody experiencing hallucinations or suffering from a psychotic episode? It is common for people to want to challenge the thoughts and perceptions of the person experiencing something they are not, but that is not always necessary or the best route to take. Challenging these person's perceptions could cause them to react in an emotionally elevated way, as they may start to suffer from anxiety, confusion, anger, or cause undue stress to them. Instead, stop and assess what they are saying they are perceiving and determine if this perceptual difference is so impactful that it requires immediate assistance or can be handled differently. Most of the time, it is best to reassure them with a calm tone and demeanor and avoid arguing with them, especially if it is not endangering you, them, or others. It is also best to follow up with a medical or psychiatric professional afterward to ensure everybody is safe.

VANCE P. FARRELL, M.S. ASSISTANT CLINICAL COORDINATOR, BEHAVIOR SPECIALIST, & CLINICAL MENTAL HEALTH TRAINER - NEW LEAF SUPPORTS

SAVE THESE EVENT DATES

Antique Treasure Show

May 6

House & Garden Tour

June 9 & 10

Blueberry Festival & Market To Go

July 15-17

Apple Days & Market To Go

Sept. 16-18

Jeanette Barres

Zug Lecture

Oct. 15

Christmas Season Begins

Nov. 17

Historic Turkey Trot 5K

Run & Fun Walk

Nov. 25

Holiday Dinner & Auction

Dec. 2

(Art Preview Nov. 18)

Executive Health Program Provides Timely Comprehensive Care

challenging schedule with a comprehensive, personalized, head-to-toe assessment of screenings and tests all in one day. Internal medicine physician Stacey Smith, MD, with LVPG Internal Medicine, explains what you can expect from the LVHN Executive Health Program and how to schedule your appointment.

1. First, please offer an overview of the Lehigh Valley Health Network’s Executive Health Program.

Answer: The Executive Health Program offers comprehensive, evidence-based assessments and health screenings. It offers the convenience of having a full health examination and testing in one day without sacrificing quality. Each study is selected to maximize illness detection while limiting unnecessary exposures.

2. Who would be an ideal candidate for the program?

Answer: The Executive Health Program is designed for any adult where their time is precious, such as executives, busy parents, and caregivers. Patients with complex care who need onboarding to a network with specialty resources are also ideal candidates, especially for folks relocating to the Lehigh Valley. People who desire the convenience of care navigation follow-up, are concerned about family history, and have high-deductible plans can get more services through this fixedcost option. Finally, I’d say the program is for patients or loved ones who have delayed their health care and have no idea where to start.

3. Where does the Executive Health Program take place, and are there any amenities at the site?

Answer: The Executive Health Program takes place in a private healthcare suite in the Health Center at Palmer Township, located at 3701 Corriere Road in Easton. It is equipped with state-of-the-art audio-visual equipment, comfortable seating, and a beverage and snack center.

additional imaging for a suspected uterine tumor that was identified.

5. Can you share with our readers the doctors’ expertise involved in LVHN’s Executive Health Program?

Answer: LVHN’s Executive Health Program is staffed by a dedicated team of highly experienced and skilled board-certified clinicians. Clinicians are hand-selected in cardiology and internal medicine to provide the best clinical fit and patient experience. These include the chief of internal medicine, specially trained diagnostic technicians, and hand-selected obstetricians- gynecologists and cardiologists specifically trained in women’s health for our female clients.

6. Is there anything patients should do to prepare for their appointment?

Answer: One to two weeks before the scheduled assessment, we send an HNL Lab Medicine phlebotomist to visit the client’s home or office to draw blood samples. The night before the assessment, the client is asked to fast after 10 p.m.

7. What should someone bring with them for their appointment?

Answer: The client only needs to show up in comfortable clothing and walking shoes or sneakers. We provide the client with breakfast, lunch, snacks, and beverages.

8. Can you take patients through a typical day when they arrive for their screenings?

Answer: The client is greeted by the program navigator and escorted to the suite, where the client is introduced to the primary care clinician to review the day’s itinerary. The medical assistant takes vital signs before the client is escorted to the diagnostic suite for a series of imaging studies that include but are not limited to an abdominal ultrasound, carotid ultrasound, arterial vascular ultrasound, DEXA scan, and CT calcium score. A light breakfast is provided in the client’s

STEPHEN ALTHOUSE, LEHIGH VALLEY HEALTH NETWORK

private suite. The morning assessment continues with an audiogram and echocardiogram stress test. The primary care clinician conducts a medical history review, physical exam, vaccination review, and skin cancer screening. After a healthy lunch, the client meets with our board-certified health and wellness coach, followed by a consult with our registered dietitian. The day is completed with an in-depth review of all test results.

9. Please give a few examples of how these reviews are in-depth.

Answer: All tests and examinations are resulted, reviewed by an internal medicine physician, printed, and placed in a binder for the client to take home at the end of the day. One of the program's advantages is the amount of time spent with the physician for the indepth review. The doctor will make recommendations and answer any questions.

10. How does LVHN’s Executive Health Program help patients develop a strategy to improve their health and quality of life?

Answer: The program includes one year of unlimited health coaching sessions facilitated by a national board-certified health and wellness coach, who can create a customized plan based on the client’s health goals. Coaching focus areas may include stress management, tobacco cessation, weight management, disease prevention,

physical activity, resiliency, and more. In addition, the client receives a one-year post-assessment of follow-up care navigation. Our care navigators assist with scheduling diagnostic testing, primary care follow-up, and specialist appointments.

11. LVHN’s Executive Health Program is not covered by insurance. However, speak about the value someone receives considering the range of tests and screenings performed and their convenience?

Answer: We can provide our clients with substantial discounts by bundling diagnostic testing. It allows clients with high-deductible plans access to diagnostic testing that would be a fraction of the price compared to standard pricing. All services on the day of assessment, including 12-month post-exam services, are a flat $3,900 fee. We offer convenient payment options, such as checks, credit cards, and HSA funds, or you can invoice your company.

12. How can someone schedule an appointment with the LVHN Executive Health Program?

Answer: Clients can call the LVHN Executive Health Program manager at 484-225-9911 or visit our website at LVHN.org/exechealth and complete an inquiry form.

Rebuilding the IRS: Should it be welcomed or feared?

On August 16th of last year, while some of us were probably relaxing by the pool, Congress passed the Inflation Reduction Act of 2022. Although its name might be a misnomer, as the Penn Wharton Budget Model stated that the impact on inflation is statistically indistinguishable from zero, the act resulted from final negotiations on the previously proposed Build Back Better Act. One of the many provisions included in the bill was funding an additional $80 billion in IRS budget spending over the next ten years, which the Congressional Budget Office estimated would yield $180 billion in additional revenue for a net savings of $100 billion.

Of the $80 billion of spending appropriations, Congress authorized the largest allocation to enforcement at $46 billion, which by far, has attracted the most attention. In addition, $25 billion would go towards operations support, $5 billion to business systems modernization, and $3 billion to taxpayer services. This budget increase is expected to narrow the tax gap, or the amount of taxes that are owed but not collected, which was last estimated by the IRS to be $540 billion.

A recent report released by Syracuse University's Transactional Records Access Clearinghouse found that in the fiscal year 2022, the IRS audited 626,204 returns (out of more than 164 million individual income tax returns filed), down from 659,003 during FY 2021. Due to a lack of resources, the IRS has increasingly relied on correspondence audits instead of face-to-face exams. Only 93,595 of the audits were regular audits, compared to 532,609 correspondence audits.

One area where the Internal Revenue Service has struggled greatly is due to the use of outdated software. Some of its computer systems are so antiquated, a federal watchdog complains, “that it’s difficult to find people who know how to work them.” In one example, a Government Accountability Office report released recently notes the tax agency’s use of the ‘’obsolete programming language’' called COBOL as well as other program applications 25 to 64 years old.

National Taxpayer Advocate Erin M. Collins recently stated that paper is the IRS’s “Kryptonite,” meaning that paper returns received from taxpayers must be processed manually because technology is not currently available to machine read the information, so each digit on

every paper return must be manually keystroked into their software program by an employee. In addition, the Taxpayer Advocate Service (TAS), which Collins oversees, and is an independent organization within the IRS, concluded in its recent report to Congress, “the IRS is materially different from other discretionary government programs in that it serves as the “de facto” Accounts Receivable Department of the federal government. Each dollar appropriated for the IRS generates substantially more than one dollar in additional revenue. It is therefore ironic and counterproductive that concerns about the deficit lead to proposed cuts in the IRS budget when those cuts result in making the deficit larger."

In fiscal year 2021, the IRS reported having over 78,000 full-time equivalent employees. Most of the expected 87,000 new IRS hires will be revenue agents, employees who perform audits of returns. Other staff levels include revenue officers, who are tasked with collecting delinquent taxes, as well as CI special agents, who specialize in criminal investigation and are also trained in the use of firearms. But many will also fill lesser roles. Five thousand new employees were hired prior to the 2023 filing season as customer service representatives, resulting in lower wait times on the phone for taxpayers and tax professionals. The agency has also acknowledged that it has been "ill-equipped to unpack complex and intricate returns of high-income taxpayers and corporations and thus has been unable to close the tax gap.” Moreover, IRS leadership said it would commit to not increasing tax audits on businesses and households making less than $400,000 annually.

In closing, it will take time for the IRS to phase in this new funding and hire and train all 87,000 new employees. Let’s hope that with this new infusion of resources, the IRS will be able to vanquish its Kryptonite nemesis of paper-filed tax returns and that Superman can arrive just in the nick of time and save taxpayers from the curse of substantial underpayment penalties.

JOSEPH A. MASTRIANI, CPA/PFS, CFP SHAREHOLDER, BUCKNO LISICKY & COMPANY

Talking about Talent Acquisition: 3 Tips to Stand Out in Today’s Workplace

As you know, talent acquisition is challenging right now for a number of reasons.

In today's competitive job market, attracting and retaining top talent is more important than ever. Businesses must have effective talent acquisition strategies in place to identify, attract, and hire the right people for their organization. From high demand for skilled talent (and a talent shortage) to remote work preferences, changing candidate preferences, and digital transformation, you know it’s not easy to get the attention of the best candidates.

To stay ahead of the game, businesses must adapt and implement new and innovative strategies to secure the best talent.

HERE ARE 3 TIPS:

Encourage employee advocacy. You've invested time and resources into hiring the right people, so you should trust them to advocate on your behalf. People trust recommendations and reviews from real people — especially employees — and when your workers share company content or say positive things about their work experience, it can pay dividends.

Research shows real people posts get eight times more engagement than brand posts. And they increase your brand's reach by 500%. And when it comes to talent acquisition, employee advocacy tops the list because when your people praise their workplace and share open positions, those job postings go further and carry more weight.

Incentivize employees to make referrals. A strong employer brand and team members actively advocating for the company means you're likely already bringing in those valuable referrals. But there's another step you can take as part of your talent acquisition strategy, and it's not complicated: Incentivize employees to refer others. Employee referrals, done correctly, are an effective way to source top talent. Reward the behavior of quality referrals, not retention.

Employees who refer candidates tend to understand the company culture and the skills required for the job, making their referrals more likely to be a good fit. Retaining employees for 90/180/365 days is the employer's responsibility. Try paying $50 with a personal thank you for 10 referrals instead of $500 in a paycheck in six months for one hire. Recruitment is akin to sales; we're all in sales, and today, we are all in

recruiting. Ninety-six percent of companies with 10,000+ employees — and 80% of those with fewer than 100 — say referrals are their top source for new hires.

Ask yourself: Are 50% or more of hires coming from referrals?

Proactively nurture a talent network. People who have applied for jobs at your business in the past and candidates who are interested in working for you and are waiting for an opening that matches their skill set are all part of your talent network. Also, candidates, you tried to get - but weren’t ready yet - can be engaged over time. And since they already have a relationship with the company or an interest in becoming part of your team, they’re a vital component of your talent acquisition strategy.

Think of an email list of people who've opted in for hiring updates or your social media followers. Give your talent network information about what it's like to work at your business, share employee-generated content, and encourage two-way communication. Even if they aren’t the right candidate for you, they might know someone who is.

Attracting top talent will continue to be a challenge in the short and long term. By focusing on building a strong employer brand, leveraging social media, and developing an employee referral program, you can improve your chances of attracting and retaining the best candidates for your business.

Herbein + Company, Inc. is a leading certified public accounting and advisory firm whose professionals serve clients in the U.S. and worldwide. Headquartered in Reading, PA, we provide tax, assurance, and advisory services that help our clients succeed with confidence. ThroughtheHerbeinFamilyofCompanies,weanswertheneedsofour clients in a rapidly changing world with HR consulting, organizational psychology, risk management services, and wealth management services. Herbein I Mosteller HR Consulting has partnered with hundreds of clients of all sizes and in a vast range of industries to provide a robust suite of HR services.

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SCOTT SMITH, HERBEIN I MOSTELLER HR CONSULTING

All Business is Personal.

WILLIAM CHILDS, ADVERTISING DESIGN TEACHER (LEVEL 1) LEHIGH CAREER & TECHNICAL INSTITUTE

There’s a saying that’s used when describing any type of business interaction when the other party ends up being disappointed, "Hey, it's not personal; it's just business." It sounds to me like an excuse for treating people poorly. Everything is personal, from how we treat each other in social situations to how we conduct ourselves when doing business transactions.

That insensitive saying should be erased from the lexicon and replaced with training for managers on improving their emotional intelligence. While I understand that not 'taking it personally' is a way to protect oneself from disappointment and rejection, someone who takes their work 'personally' is more loyal and dedicated at their jobs.

The American Psychological Association defines Emotional Intelligence (EQ) as a type of intelligence that involves the ability to process emotional information and use it in reasoning and other cognitive activities. That definition might scare some managers because the old school model was to leave your emotions out of any decision-making process. Yet, studies have consistently shown that emotional intelligence accounts for roughly 90% of the traits a leader needs to run a company effectively.

There’s a seismic shift occurring in how businesses are starting to communicate and treat their employees. Between the great resignation and quite-quitting, companies realize that this issue needs addressing, or they must face the added costs of finding and retaining quality employees.

Employee retention starts with building a positive communication culture inside a company. Sure, all the perks presently making the rounds at various companies are excellent. Still, there’s nothing better than when you work at a company where the leadership understands and employs emotional intelligence. If leaders understand how to use EQ, the benefits far outweigh the risk. For example, Leaders with high levels of EQ are great listeners, show empathy, make better decisions, keep their cool under pressure, embrace change, and will strongly consider how their choices will affect everyone, not just the bottom line. Conversely, managers with low EQ often blame others for poor results, refuse to take responsibility when things go wrong, can be overly critical of others, and have aggressive communication styles.

A high EQ is something that a good hiring manager will look for when filling open positions. Because those individuals are better at managing conflict, excel at problem-solving, and are

comfortable with change. Not because they believe they have all the answers but rather because their ego does not lead them. They tend to be open to new ideas and work towards finding positive solutions, all while avoiding office drama. These people find motivation when their passion meets their purpose. Money, title, and acclaim do not drive the high EQ individual. One of the top three reasons employees cited for changing jobs in 2021 was ‘feeling disrespected.’ The other two were low pay and lack of opportunity within the organization.

Managers must consider how financially damaging it can be when a dedicated, passionate, loyal employee leaves the company. According to Glassdoor, the average company spends about $4,000 to hire a new employee, often taking around 50 days to fill the position. That might not sound like much, but there are other hidden costs, too, like how employee morale suffers when good people start leaving with more frequency. Here are some simple tips to increase your EQ immediately. First, stop thinking that you have to have all the answers. Make an effort to listen more and talk less. Be willing to accept criticism without feeling the need to defend yourself. Be more introspective. Don’t stigmatize mistakes. Try and see things from different perspectives. And above all, stop saying, "It's not personal; it's just business."

Antonia Trigiani

Jeff Barber Tiernan Gilbert Paul Fenelle Kim Saraka

Mike Gilbert Lewis Edwards

What We’ve Learned in Ten Years

ASHLEY RUSSO & KATIE SANTANA, ASR MEDIA PRODUCTIONS

Ten. Years. Ten years! ASR Media Productions is celebrating its tenth year in business, and we have many lessons to share. From humble beginnings as a team of three to now eleven and multiple Mid-Atlantic Emmy® wins, we’ve faced adversity, built a culture, created thousands of videos, and believe we are at a point when we have some wisdom to share.

We take the hard lessons learned as guidelines for growth. Pillars set early on still support the core of ASR, keeping us true to who we are and what we value. Our advice is tried and true and fairly practical. Here’s what 10 years as a flourishing business has taught us:

REMAIN MISSION DRIVEN. ASR is rooted in the original goals and dreams that launched the company. Ours is to help local businesses and nonprofit organizations share their stories. We have had a number of opportunities to add or change services but staying on the course has helped us become the best at what we do.

BUILD CULTURE. A professional team won’t perform optimally without a strong company culture behind it. For the last decade, we’ve built loyalty, trust, and accountability within our team, which has led us to the best outcomes. Our leadership understands how to guide openly, honestly, and with integrity, sharing common goals with both our team and clients.

PRIORITIZE CLIENTS. Of course, we do, doesn't every business? Perhaps it's the way in which we prioritize that is the differentiator. Personal relationships and consistent communication let clients know that they're important to us. Behind every project is a human being placing faith in your product. As a busy company, ASR always has work in various stages of production. Still, we know our creation may be a client's only marketing initiative for the year, and we treat every

project with creativity and respect. The personal touch makes all the difference and keeps clients coming back.

BE FLEXIBLE. The best results come from honest dialogue and constructive criticism. Sometimes, this means you have to roll with the punches to reach the desired result. We encourage each other not to let failure define a situation, but rather, it's a chance to learn and improve. Some ideas work, and some don't— you won't know until you try.

SAY YES TO OPPORTUNITY. There have been many times we have committed to a project or idea only to figure it out after the fact. Taking on new opportunities has defined us and made us thought leaders in the industry. One of our most uncertain moments was determining how we would operate during the pandemic, but we said yes to figuring out how to live stream and offer virtual events. It turned out that this growth opportunity was much needed by our established clients, brought us new ones, and launched a successful product for ASR Media.

LEAN ON EXPERTS. We don’t claim to know how to do it all, and we have found success working with local professionals to cover our blind spots. Whether that means entrusting our marketing efforts to a local firm, outsourcing accounting, or bringing in a freelance photographer to get the perfect shot, outcomes are always better when we collaborate and let a professional handle it.

It’s essential to reflect on our past when looking forward to our future. Each day, the ASR team is fine-tuning skills in order to produce the best content for our clients, and we can’t wait to see where the next ten years will bring us.

Forgotten Resolutions

MIRIAM BRIDGEMAN, BRIDGEMAN STRATEGIC CONCEPTS

It’s the 2nd quarter of 2023. The celebrations of the new year have come and gone. Many people make resolutions to better themselves, spend more time with family and friends, stress less, exercise, get their finances in order, etc. But most resolutions are forgotten within the first 3 weeks of the new year. Staying accountable can be challenging to manage and stay on the path, which is why most resolutions don't make it passed the first month. Finding a partner or a coach can help keep you on the right track and turn those resolutions into habits. Surrounding yourself with people who want to help you succeed and are on your team will also be a good way to confirm success. We won't always win all of them, but the best we can do is try. To reset the start of your year, here are some quick tips to help attain a few of the forgotten resolutions.

1. Remember that credit card debt you wanted to knock out this year? It is hard to get ahead when making the minimum payment or a little over when most of it goes to interest. Look for a new card that will allow you to transfer your debt and hold off the interest for 18 months or more. That way, your payments going in are going directly toward your debt and not just paying the interest.

2. Self-care – what is it? And why do we need it? Ever heard the term if you don't take care of yourself, how do you expect you will take care of others? There's a reason the flight attendant on the airplane says to put your mask on first before helping others. It doesn't have to be a big change, but if you're like me, it's difficult to do. Start by doing one small thing for yourself each morning, like a word of affirmation to start the day. Have a special thing you can do just for you that brings you comfort and joy. When in the midst of a decision, maybe a purchase for yourself – go for the little extra. You're worth it!

3. Exercise – this can be argued as self-care, but it should be in its own category. Something we all should be doing, but it can be easier for some. The benefits are endless: better mental health

and wellness, overall stress relief, and just that, it makes you feel good. I don't recommend you set out to run that marathon if you're not a seasoned runner. In small doses, anything is better than nothing. You can start with morning stretches, a bike ride, walking, and yoga. All quick doable options to help you move into your resolution for 2023.

4. Organization – this can be related to your closets, finances, work, family, kids, and even that junk drawer. The key is to start slowly and make attainable goals, for instance, one closet at a time, not all the closets, basement, and garage in one Saturday. It will never get started or finished. Organizing your finances can also be daunting but having a good patient advisor can help keep you accountable and on track to reach your goals.

5. Trying to eat healthier! That's a big one. We know what we need to do to maintain a healthy lifestyle. Whether you’re thinking about drinking less alcohol or eating more vegetables and fruits. You shouldn't rush to do it all at once. You want to set yourself up for success. If you eat lots of your lunches and dinners out, try eating a meal or two at home, packing lunch each week, and transitioning into more at-home meals. This can save money, have you eating healthier, and reduce your waistline. That's what I call a three-in-one resolution!

It’s not surprising that most resolutions fail. There's a lot to keep up with in life in general, let alone adding caring for family, friends, work, money, and self. The best advice I can offer is to start slowly. Make small changes that can be maintained and become a habit before starting the next change. It can take up to 66 days of repeatedly doing something for it to finally become automatic – some things can take longer. The same can be true of breaking a habit. The bottom line is that if you want to live a long, healthy life, these are some tips worth working on to make into a habit and succeed in those forgotten resolutions.

2023’s Top 3 Best Places to Visit

The number one question I always get asked is, "where's the best place to travel to this year." I often qualify "best" as providing great value and not being overrun by tourists. My top 3 list include destinations that should not be overlooked and are the "hidden gems" for 2023.

1. If you are looking for something unique and exotic, consider Qatar. With all eyes on Qatar in 2022 for the World Cup, this destination was able to highlight its unique landscape, architecture, beaches, and culture throughout the World Cup. Having spent close to $10 billion on infrastructure for last year's soccer event, the destination is perfectly primed for tourism and beaming with hospitality. Last year, flights and hotel prices were at a premium, but this year, Qatar is deeply advertising specials. Qatar’s capital city of Doha, is also the perfect long stopover city for those flying Qatar Airways to the Maldives, Seychelles, Zanzibar, or other destinations in Africa that Qatar Airways flies to. If you have ever wanted to visit Dubai or possibly do a long stopover there, Qatar is the perfect alternative destination!

2. If you are hoping for a beautiful Caribbean destination that isn't overrun with tourists, you should look at the island of Curacao. Move over Aruba! There is another Dutch island that is outside of the hurricane belt in the Caribbean! Curacao is part of the ABC island chain, which comprises Aruba, Bonaire, and Curacao. Unlike the other 2 islands in the ABC chain, Curacao now boasts several well-known, 5-star, all-inclusive resorts, including Sandals Resorts, Zoetry, and Dreams Resort. The island is

known for its beaches and tucked-in coves. The island has an expansive coral reef that is rich in marine life. Curacao is truly a diver's paradise! The capital, Willemstad, has plenty of shops and is often photographed for its pastelcolored colonial architecture.

3. Have you been dreaming of going to Europe but need to know which country to visit and worry about the expense and crowds? You should look no further than Dublin, Ireland. This Irish capital city is known for beautiful Cathedrals, fun pubs with live music, world-class museums, the largest park in all of Europe, and is filled

JENNIFER DONCSECZ, CTIE, PRESIDENT, VIP VACATIONS INC

with Celtic charm. Flying to Dublin is a mere 6 hours nonstop from the NYC airports, and there are plenty of hotel options in the heart of the hip "Temple Bar" area of Dublin. With its currency being the Euro and English being the primary language, Dublin provides a fabulous alternative to

The biggest challenge for travelers in 2023 will be the costs of flights and the availability of hotels. Looking for unique destinations and planning your vacations early can save you a lot of money and give you more options to choose from.

Defending Your Digital Castle

CHRISTOPHER MORGANELLI, CEO MCIT CYBERSECURITY & MANAGED IT SERVICES

In today's digital age, small businesses are increasingly reliant on technology to operate and compete. However, this also means that they are more vulnerable to cyber-attacks than ever before. As a small business owner, you must protect your organization against cyber threats by implementing robust cybersecurity and managed IT services.

Cybersecurity is a critical component of any business's IT infrastructure. Cyber-attacks can lead to data breaches, financial losses, and damage to your company's reputation. A cyber-attack can occur through various means, such as malware, ransomware, phishing scams, and social engineering attacks.

To prevent cyber-attacks, you must implement a range of cybersecurity measures, including, but certainly not limited to, network security, data protection, and employee training. Network security involves securing your network infrastructure against unauthorized access, viruses, and other cyber threats. Data protection involves protecting your sensitive data from theft, loss, or corruption through encryption, backup, and disaster recovery solutions. Employee training involves educating your employees on how to recognize and avoid common cyber threats, such as phishing scams and malware.

Your cybersecurity approach should be multi-layered, like an onion if you need a reference; multiple layers, and should one fail, there are safety nets and redundancies in place.

Engaging and investing in managed IT services can also help small businesses operate their IT business more efficiently. Managed IT services involve outsourcing your IT management to a third-party provider like MCIT. The provider takes care of all your IT needs, from software installation and updates to network monitoring and troubleshooting to even vendor management.

Managed IT services can also help you reduce your IT costs by providing you with access to the latest technologies without the need to invest in expensive hardware or software. Managed IT service providers also provide 24/7 support, ensuring that any issues are resolved quickly and efficiently. And, if you find the right technology partner, it will feel as though you have an entire IT department for a fraction of the cost.

In addition to protecting your business from cyber threats, implementing cybersecurity and managed IT services can also give you a competitive edge. Customers are increasingly aware

of cyber-attack risks and are more likely to do business with companies that take cybersecurity seriously. Demonstrating your commitment to cybersecurity can build trust and credibility with your customers.

You get it, cybersecurity and managed IT services are essential for small businesses in today's digital age. They can help protect your business from cyber threats, manage your IT operations more efficiently, and give you a competitive edge. With the right cybersecurity and managed IT services provider, you can have peace of mind knowing that your business is secure and that your IT infrastructure is in good hands. Loss of data, stolen revenue, ruined reputation; can your business afford it?

If you remember anything from this article, remember that every time you connect to the internet, you are engaging in a battle between your personal / company data and cybercriminals. The question is, are you prepared to defend your digital castle? Contact MCIT today to learn more about our comprehensive cybersecurity and managed IT services and how we can help you achieve your business goals and armor that digital castle.

Greater Lehigh Valley REALTORS® Release 2022 Annual Market Report

As the premier source of real estate information in the Lehigh Valley and its surrounding communities, the Greater Lehigh Valley REALTORS® (GLVR) is pleased to provide an in-depth report on the 2022 local housing market.

The following information is an overall look at the 2022 housing market, in addition to predictions for 2023.

2022: The Year of Calming the Housing Market Volatility

Mortgage rates were near historic lows, buyer competition was fierce, and homes were selling at a breakneck pace, often with multiple bids and all-cash offers, due to pent-up demand and a shortage of housing supply, causing sales prices to soar to new heights. But all that changed a few months later as mortgage rates began to rise, adding hundreds of dollars to monthly mortgage payments and causing housing affordability to plummet to its lowest level in decades. As borrowing costs continued to increase, home sales and prices began to slow. After two years of record-breaking activity, the housing market volatility was finally calming.

Digging Deeper into 2022 and the Numbers (Lehigh and Northampton counties)

Sales: Pending sales decreased 14.1 percent, finishing 2022 at 7,515. Closed sales were down 12.1 percent to end the year at 7,675.

Listings: Comparing 2022 to the prior year, the number of homes available for sale was up 6.4 percent. There were 602 active listings at the end of 2022. New listings decreased by 10.5 percent to finish the year at 8,942.

List Price Received: Sellers received, on average,102.0 percent of their original list price at sale. Year-over-year original list price increased 0.4 percent.

Distressed Homes: Previous forbearance efforts by the government and lenders limited distressed sales activity once again. In 2022, the percentage of closed sales that were either foreclosure or short sale finished the year at 0.4 percent of the market – or 31 properties out of the 7,675 closed for the year. Foreclosure and short sale activity may increase in 2023. However, the strong gains in equity seen by most homeowners in the last few years will help to limit the number of distressed sales.

Prices: Home prices were up compared to last year. The overall median sales price increased 12.9 percent to $293,000 for the year. Single Family home prices were up 11.5 percent compared to last year, and Townhouse-Condo home prices were up 15.0 percent.

What to Expect in 2023

Home sales continued to decline throughout much of the year as affordability challenges took their toll on market participants, forcing many prospective buyers and sellers to the sidelines. To help offset rising costs, some buyers moved from bigger, more expensive cities to smaller, more affordable areas. In contrast, others turned to the rental market, where competition and rental prices surged.

Looking ahead to 2023, much depends on inflation, mortgage interest rates, and the broader state of the economy, although economists predict many of 2022’s housing trends will continue into the new year: home sales will soften, price growth will moderate, inventory will remain tight, and there will be greater variability between markets nationally, with some regions possibly seeing price declines while other, more affordable areas of the country – like the Lehigh Valley –remain in high demand and experience price growth.

Full Annual Report

Curious to know what else the Annual Report contains? Contact a REALTOR® today for more information or for a full market analysis. You can find a REALTOR® at www.GLVR.org.

JUSTIN R. POREMBO, CHIEF EXECUTIVE OFFICER, GREATER LEHIGH VALLEY REALTORS®

“don’t.”

Selling your home? Tempted to DIY? Consider this: For Sale by Owner homes on average net $120,000 less than those listed by a Realtor®. They also tend to sit on the market longer.

If you have it in you to remodel that upstairs bathroom on your own, go for it. But for a complex transaction like selling a house, you’re better off with an expert by your side.

Work with a Realtor®. It’s worth it.

When DIY is a

CREW LV: 2023 The State of Commercial Real Estate

On Wednesday, February 2023, a panel of CREW LV experts shared their thoughts on the state of the Lehigh Valley Commercial Real Estate market. Areas of focus included multi-family, office, retail, property management, and banking. The panelists were: Tara Anthony (City Center Allentown), Lauren Borrell (NAI Summit), Jody King (CBRE, Inc.), and Adrienne Kwiatek-Holub (Fulton Bank).

COVID disrupted the office market due to the widespread adoption of hybrid work. A push-pull now exists between companies that view office attendance as critical to success and the workforce that wants autonomy to decide where and when to work. Office utilization rates are unlikely to meet expectations in 2023. Many companies have put up the excess space for sublease, while others are waiting with the expectation of future growth or the goal of increasing office attendance. Some estimates suggest the optimal balance will be 15% less office space per employee than pre-pandemic.

There is a deep divide between prime and secondary office buildings that will continue to widen in 2023. Demand will be strong for the best buildings in attractive locations, with amenities that enhance employee well-being and engagement. Sustainable buildings that align with a company's environmental and social targets will have an advantage. Drive times for the workforce will also be a decision point. Older, outdated buildings will struggle to attract tenants, leading to a glut of obsolete vacant space. Historically, the supply of less desirable office space supported a structural vacancy rate in the range of 12%. That rate will increase unless conversion or demolition removes these properties from the inventory.

The move to remote work during COVID changed multi-family residential spaces. People prefer to have co-working spaces and interesting common areas where they can work on their laptops but still be around others. Tenants look for attractive features like game rooms and rooftop lounges. They are drawn to the overall experience of living in a location, including the benefit of nearby amenities. The shift from big cities continues, which has fueled growth in the Lehigh Valley downtowns. People across multiple generations prefer to live in walkable, urban communities – but not as dense as the big-name cities.

M-commerce (retail sales transacted through mobile devices) is expected to account for 47% of all e-commerce sales in 2023 and grow to 58% by 2027. Consumers will also rely on technology to research products online but buy or pick them up in stores. These "digitally influenced" sales will represent 62% of total retail sales in 2023 ($120 billion), growing to 70% by 2027.

In the current climate, the expertise of property managers provides crucial assistance to real estate investors, particularly smaller investors who rely on the contacts, vendor pool, and accumulated knowledge of the Firm. Smaller investors may invest in real estate as an additional income stream but not as their main business. As such, their property manager serves as "boots on the ground" to understand and react to situations at their properties. Supply chain issues continue to be a concern, and lead times for materials remain historically long. PMs frequently have more avenues to find available products due to a larger vendor pool. With aging buildings, PMs can make cost-effective suggestions, create capital plans, and advise on the most attractive modifications to keep real estate competitive in the current market. Property managers will suggest preventative maintenance and act in a risk management capacity to avoid exposure to lawsuits.

Interest rates rose dramatically in 2022, as evidenced by the 5- and 10-year Treasury Rates. In January 2022, the 5-year rate started at 1.358% and reached a high of 4.446% in October. At comparable points in time, the 10-year rate was 1.649% in January, rising to 4.22% in October. Throughout much of 2022, an inverted yield curve occurred, in which longer-term 10-year rates were more attractive than the shorter 5-year rates. The higher rate environment did impact real estate investors looking to purchase new properties as the strong market pushed prices up, but the rising rates drove up bank debt service requirements. Investors would have to either inject more cash into the deal or walk away from the purchase. Cash buyers were not impacted by this. Borrowers who fixed rates 5 years ago in 2018 in a dramatically different environment are now looking at significantly higher fixed rates for balloon loans or rate resets. If the loans were structured well at origination, there would be less concern given the expected amortization of principal and the increase in rental rates in the Lehigh Valley.

ADRIENNE KWIATEK-HOLUB, PAST PRESIDENT COMMERCIAL REAL ESTATE WOMEN LEHIGH VALLEY

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THE NEW WORK-LIFE ENVIRONMENT

J JILL WHEELER, V.P. OF SALES & MARKETING CITY CENTER INVESTMENT CORP.

The global pandemic turned our long-accepted work routines on their heads. From hourly employees to C-suite executives, office professionals suddenly worked from home. Wearing sweatpants. In their living rooms. With their pets and houseplants nearby.

As COVID-19 winds down, the million-dollar question from employers is: How do we get our employees back to the office? The answer may be to provide an evolved work-life environment that meets the new demands of professionals. But how?

Intentional Office Design

Forward-thinking companies understand that today’s workplace needs to look and function differently. Many new or redesigned workplaces include large rooms with various unassigned workspaces, each with its own vibe. Multiple seating options accommodate individual and collaborative work. Cafes and lounges are being added to compete with the comforts of home. “Zoom rooms,” or conference rooms that support high-definition video and audio have become necessary to connect in-office employees with those working remotely.

According to Deliotte, a global group of financialconsulting firms, “As we look towards the future of work, we recognize that the nature of work, the workforce, and the workplace have fundamentally shifted. We are intentional about when we co-locate with each other and our clients for maximum impact while empowering our people to preserve the flexibility that they desire.”

At City Center Allentown, we are partnering with new and existing tenants of all sizes to upgrade their traditional office layouts. Some want more flexible floorplans. Others want to add spaces where employees can gather for the social aspects of work, like brainstorming, team

building, or connecting over coffee or a meal. While an intentionally designed workplace will look different for every company, the desire to have space that engages employees, promotes their well-being, and enhances collaboration and productivity is universal.

People First Federal Credit Union recently relocated its headquarters from an older building in South Allentown to a new, intentionally designed space at Five City Center in downtown Allentown. President and CEO Howard Meller says, "Our employees have been invigorated and energized by our clean, fresh environment. The open floor plan allows for collaboration between team members, which has led to increased productivity and engagement. We can present People First in the best possible light, and it allows our employees to work in premium space that reflects our premium brand.”

Yes, Location Matters

What makes for an ideal office environment? It begins with the location itself. In downtown Allentown, right outside the office buildings, there’s

a vibrant city that’s been a major added benefit to drawing employees back to the office. From bars and restaurants to arts and entertainment, from green space to trendy new apartment communities – all within walking distance of the offices – the downtown is a place where employees want to work.

People First’s Meller adds, “Our employees love the convenience. The office is close to everything they need, from places for lunch meetings to public transportation to our branch on 6th Street. And there's always something going on downtown, so employees can go out together, and that helps bond our team."

A great office location can do more than strengthen your corporate culture and employee engagement. It can even help you reach your organization’s goals for growth and profitability.

According to global commercial real estate services firm JLL, “Determining the right location for your office remains a key factor in creating a resilient business plan. It can help attract and retain the best people, many of whom closely monitor where they're based on optimizing work-life balance—something 72% of employees prioritize. The right location can boost your organization’s long-term performance.”

Interested in enticing your employees back to in-person work? Start with a thoughtfully designed space in a lively, walkable community.