NJ Lifestyle Magazine Shore 2022

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SHORE 2022



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LifeStyle View

Let The Sun Shine

“It's a smile, it's a kiss, it's a sip of wine ... it's summertime!” —Kenny Chesney


e're in full bloom here in South Jersey and I know you're all ready for some warm weather. Here at my home, our lawn received its first cut and I’m thinking about putting some flowers on the balcony to brighten up the space. I’m sure all of you feel the same. For our Shore Issue this May/June, we have some great features from our amazing and talented crew. Our Fashion feature welcomes the season with beachwear for the ladies. And let’s not forget to break out the outdoor lighting for those fun nights on the porch. You will find some great ideas in our Home & Design feature, Night Light. One of my favorite places to hang out in the summer is Margate. A small island city with amazing restaurants, beautiful beaches, boutique shopping, and waterfront homes. But it wasn’t always so great. Discover how local developers Steve Lazovitz and Joe DiLorenzo’s vision helped change a town on the decline into the jewel it is today. And with Margate in mind, you can’t speak about this city without someone mentioning the restaurant Steve & Cookies By the Bay. If there’s one thing I have learned it's that there are no great places without great people. Cookie Till is someone who surrounds herself with genuine people who are creating meaningful change with sustainability, not only at the restaurant, but also at Reeds Organic Farm, and a special spot in Ventnor called 7311. Speaking of pioneers, read all about the One and Only Resorts Casino Hotel. This historic property started it all for Atlantic City’s transition from the 70s to the massive destination it is today. Our Health Watch feature by Robin Stoloff gets us back to our exercise routine that we may have put off for the winter months. Robin and her husband are examples of what it is to age gracefully and maintain fitness throughout our lifetime. It’s also that time of year for us to get back on the road for a bit of travel. For a road trip, we highly recommend the new Genesis GV80 SUV. A beautiful car with many features. And for those longer trips, we venture down to the Caribbean to some lesser known islands for a tropical retreat. One of my favorite reads is our Passion Vines Wine feature by Michael Bray. In this issue, he answers some of your most pressing questions on wines. If there’s one thing I learned about drinking wine, it’s to let an expert take you on a tour that you might not otherwise try. And what’s life without art? This issue explores the creations by Heather Shawne and Heather Deegan Hires. I had the pleasure of meeting the amazing photographer for this feature, Ruben Garcia, who appears in our social section covering the opening installation by Art C’s Clique 21 at the Noyes Museum Arts Garage in Atlantic City. Stop by there when you can and check out the art on display. Finally, get out your cowboy hat for this summer’s big event! Head down to Wildwood for the Barefoot Country Music Fest, and enjoy the city that has a long tradition of world-class music. Please drop me a line to say hi!


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Nick Valinote, Publisher

How to reach us To advertise call 609.513.0813 or email njlifestylemagazine@gmail.com NJLifeStyleOnline.com Visiting our website is your connection to South Jersey’s Good Life. New Jersey Lifestyle is distributed exclusively by direct mail to the top 1% in Atlantic and Cape May Counties. facebook.com/NJlifestyleMag instagram.com/njlifestylemag


THE ONE AND ONLY RESORTS 24 The premier place to be seen.

OUTSIDE THE BOX 46 Two distinct local artists.


Trina Turk Swimwear

66 A sustainable ecosystem.


Oblivion by Heather Deegan Hires

HOME & DESIGN 12 Night light.

BUSINESS SPOTLIGHT 20 Preserving Margate.

HEALTH WATCH 28 Stop making excuses.

ON WHEELS 32 The posh GV80.

CARIBBEAN SECRETS 38 Discover less travelled gems.

LIFESTYLE WINE 44 Noteworthy wines.

ENTERTAINMENT 52 Barefoot Country Music Fest.

SOCIAL 60 Pictures from the latest events.

MONEY WATCH 72 Your fiscal house.

Seafood Panroast at Steve & Cookie's


LIFESTYLE | Shore 2022


LifeStyle Contributors The people who make it great. Darla Scarduzzio Creative Director Darla has been an integral part of NJ Lifestyle Magazine since 2004. From sales to publishing to graphic design, she has experienced all aspects of the industry.

Robin Stoloff Health Reporter Robin has been a local health reporter since 1986, and hosts Living Well on Lite Rock 96.9, and a weekly podcast by the same name. Visit her at livingwellwithrobinstoloff.com.

Molly Golubcow Writer By day, Molly has been a technical writer for over 20 years. By night, she escapes the world of “Press Enter” to write about anything other than technical subjects.

Michael Cagno Artist, Writer Michael is the Executive Director of the Noyes Museum of Art of Stockton University, V.P. of the MidAtlantic Association of Museums and an artist.

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.

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.


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Michael Bray Wine Writer Michael is the founder of and director of operations at Passion Vines Wine & Spirit Company in Somers Point and EHT. He serves on numerous local boards.

Danielle Gomes Writer Danielle is an author, freelance writer and brand marketing specialist. Her nationally featured work has won numerous awards. She lives in Margate with her husband and two sons.

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 a TV journalist from Vegas, Philadelphia, and A.C.

Kristian Gonyea Photographer Kristian’s 15+ years of photography has appeared in various newspapers and magazines. His love of South Jersey has blossomed into his most recent works, sunrises and sunsets.

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.

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.




Nick Valinote Creative Director

Darla Scarduzzio Contributing Editor

Lisa Johnson Contributing Writers

Michael Bray Michael Cagno Molly Golubcow Danielle Gomes Dennis Hayes Felicia Lowenstein Matt and Tom Reynolds Elaine Rose David Spatz Robin Stoloff Photographers

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


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. New Jersey Lifestyle and Nicholas & Partners assume no responsibility for writers opinions and contents. All correspondence should be sent to:

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

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HISTORY DEDICATION RESULTS Areas of Practice CONSTRUCTION COMMERCIAL LITIGATION DIVORCE/CUSTODY LAND USE ENVIRONMENTAL REAL ESTATE APPELLATE PRACTICE PERSONAL INJURY EMPLOYMENT CRIMINAL MUNICIPAL LAW PUBLIC CONTRACT LAW CONSUMER FRAUD Main Office Atlantic City 30 South New York Avenue | Atlantic City, NJ | P: (609) 344-5161 Cape May Court House Office 18 N. Main Street | Cape May Court House, NJ | P: (609) 465-5557 Avalon Office 2123 Dune Drive | Suite 2 | Avalon, NJ | P: (609) 368-5500 New York Office 32 W. 39th Street | 4th Floor | New York, NY | P: (212) 335-2255

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LIFESTYLE | Shore 2022


Elizabeth Turner by B Swim

B Swim swimsuit

Bleu Swimwear

World Wide Beach Style Discover the latest water wear trends from America's shores to the most famous beaches around the world. By Danielle Gomes


LIFESTYLE | Shore 2022


Body Glove swimsuit

Gottex Swimwear

Profile by Gottex Swimwear

Elizabeth Turner by B Swim


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ummer is here, and travel is back in a big way! But, while we may all be dreaming about visiting beaches around the world, that may not be practical. Not to mention, the Jersey Shore has some pretty amazing beaches right here. So, whether you’re planning a trip or not, you can still make your beach style worldly. Read along to see the latest trends from America’s shores to the most famous beaches around the world. If you want to dress worldly but shop locally, head to Cameo Water Wear with locations in Marlton, Margate, and Ocean City. “Cameo Water Wear offers the largest selection of women’s swimwear and weekend wear in all of South Jersey. At Cameo Water Wear, we have swimwear for every’body’,” says Cameo Water Wear’s spokesperson. Cameo carries over 60 major and specialty brands. With a full range of styles, there are options for everything from sleek and sexy to full coverage styles that feature tummy and bust control and support. They also specialize in bikini separates ranging in sizes from x-small to e-cup, emphasizing style, selection, and service.

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LIFESTYLE | Shore 2022


FASHION So much is trending right now, it’s almost as if anything goes. “Bright hues, muted colors, and tropical prints are hot. Cut-outs are sexy on bikinis and one-pieces. One-shoulder pieces are stunning and black is always a must,” says Cameo Water Wear’s spokesperson. With so many options, let your wanderlust guide your style. New England From Narragansett to Nantucket, these northern shores are all about preppy, traditional, and nautical-inspired style. Suits in navy and white, stripes, pastels, and nautical prints are perfect. Pair your suit with a soft, oversized, cable-knit sweater and shorts. Guys, grab a pair of pastel pink or navy swim trunks and pair it with a polo shirt. The Hamptons This iconic seaside getaway boasts some of the most exclusive beach resorts and amenities in the northeast. Frequented by celebrities and New York City’s elite, if you’re heading to the Hamptons this summer, you’ll want to make sure your style is on point. In the Hamptons, it’s all about chic, sleek, timeless styles. Classic prints including gingham and polka dots and solid black are perfect. For men, opt for classic swim trunks paired with a coordinating buttondown shirt. Miami Beach In Miami, it’s all about being seen. So fun, brightly-colored, lively bathing suits are a must. Look for swimsuits that are neon or bright colors, anything with ruffles or crochet. Pair your suit with a big floppy hat and have fun! For men in Miami… anything goes!


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So Cal Southern California is all about those boho-chic vibes. Funky patterns, muted colors, tie-dye, and block prints are perfect for those Pacific shores. Pair your beach styles with oversized sunglasses to complete your hippieinspired ensemble. For men, look

for surf trunks made with recycled materials. Hawaii It’s all about the tropical floral print in Hawaii and wearing a suit that you can be active in. Hawaiian beaches are brimming with sports. From snorkeling to surfing, you’ll want to wear a bathing suit that allows you to move. South of France The South of France is as much of a mindset as it is a place to visit. So take a minute to slow down and enjoy a taste of the finer things in life. This approach to life is reflected in the subtle glam of the bathing suits found on the French Riviera. To partake in this sophisticated style, look for undeniably, yet understatedly, chic options such as high-waisted bikinis in solid, neutral colors. For men, it’s all about the speedo. In fact, some public pools in the South of France don’t allow swim trunks. Greek Isles There’s nothing subtle about Grecian glam or the beauty of the scenery. From the Cerulean seas to the alabaster architecture, the view is incredible, so why not find a suit that’s just as fabulous. Choose swimwear in gemstone tones that stand out against the background or in blue and white patterns that take their inspiration from the surroundings. Pair your suit with a flowing sarong or tunic to take your style up to goddess status. Opt for more fitted trunks, linen shirts, and leather sandals for men. Brazil It’s all about the itsie, bitsie, teenie, weenie bikini. Less is more in Brazil. In fact, they even have their own bikini cut. A Brazilian cut bikini is a very slim bottom that showcases all your backside has to offer. For men, it’s all about putting it out there too. The most popular men’s suit is the Tunga, very tight short, square trunks. n

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LIFESTYLE | Shore 2022


Home & Design


Shore 2022 |



Night Light Renew your outdoor space with clever lighting ideas that will bring a bit of fun to your summer scene. By Danielle Gomes


ant to add some square footage to your living space and create a cozy space where hours will melt away? It’s surprisingly easy and affordable to do with the help of your outdoor space and some clever lighting. “Lighting is one of the most important components for any space when setting the area’s tone,” says Ben Chapman, owner of Ben Chapman Development. And in the warm summer months, lighting can be used to define and create a unique outdoor gathering space. With a few simple tricks, you can use lighting to renew your outdoor space.

Photos courtesy of Hinkley. Available at Artistic Hardware in Northfield.


LIFESTYLE | Shore 2022



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Fixtures Before creating an outdoor living space, updating any old or worn fixtures is essential. “Outdoor lighting fixtures get a lot of wear and tear from the environment in this area and often need to be replaced every several years. They’re also a great way to give your exterior a quick refresh,” Chapman says. When replacing outdoor lights, look for materials that stand up to this area’s harsh elements. Artistic Hardware in Northfield carries a selection of outdoor light fixtures made from marine-grade materials that can withstand the elements, such as the Coastal Elements Line made by Hinkley. “This line is made of composite materials and coated with anti-fading finishes that hold up very well in our climate. They’re versatile, come in a wide variety of styles, and are very popular for us,” says Pat McCarthy, owner of Artistic Hardware. If shopping for new outdoor light fixtures, dark sky fixtures are another big trend to consider. “These fixtures do exactly what’s implied. They’re designed to specifically focus the light down to minimize light pollution, which is beneficial to wildlife’s migration patterns,” McCarthy says. So, if you’re looking for ways to make your home more eco-conscious, switching to dark sky lighting features is a step in the right direction. Spot On Create depth and texture with your outdoor lighting. An easy way to do this is to add a few accent lights. “Accent lighting allows you to highlight your favorite architectural or landscaping elements. They are also great for creating pathways and lighting up dark corners of your yard, and they’re effortless for anyone to install, thanks to solar-powered


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FOR ALL YOUR “HARDSCAPE” NEEDS options,” Chapman says. There are a few different types of accent lights, including spotlights, floodlights, and decorative landscape lights. Spotlights are narrow beams of light that highlight specific features — for example, the columns on your house or your favorite tree. Floodlights are wide beams of light that illuminate larger areas such as driveways or yard areas. Finally, decorative landscape lights allow you to create pathways through your yard, up to your house, or simply add pretty elements and light to your flowerbeds. “There are so many options available for outdoor lighting. It’s easy to get carried away. While it’s a great way to add instant curb appeal, you don’t want to overdo it. Accent lighting brings focus to a specific area, so pick just a few of your favorite areas and add lighting to those,” Chapman says. All About the Mood When it comes to setting the mood of any space, it’s all about the lighting. This is especially true when creating an outdoor living area. From whimsical to elegant, your lighting will set the tone and define the space. However, before you start shopping for lights, you want to have a clear idea of the area that will be used and how it will be used. Take a look and take pictures both during the day and at night. For example, do you plan to use the space for lounging or dining? Are there any elements you want to highlight, like a tree, a series of planters, a pond, or a pool? Once you have an idea of the space, you can choose lights to set the mood, such as string lights, lanterns, and funky additions like floating lights. These are easy to add to any space and usually come last, like the icing on the cake. String lights are one of the easiest



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LIFESTYLE | Shore 2022



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and most effective ways to add a bit of magic to your outdoor living space. They are incredibly versatile and look fantastic in any area. They can be wrapped around tree trunks, draped to create overhead lighting, or create whimsical tablescapes. They are effortless to install and take down, so there is no commitment risk. You can use trees or posts as a base. If you don’t have any permanent features in the space that you want to drape string lights above, you can use large planters with posts placed in the center. There are also solar varieties, so you don’t need to worry about electricity or having an outlet near. Lighted lanterns are another great way to add mood lighting to your outdoor space. They come in various sizes, from large floor lights to small tabletop lights and hanging lanterns — group lanterns around a seating area to add texture, warmth, and style to your space. Remember that lanterns tend to work best in a group, which adds depth to your style story. For example, if you’re lighting a dining area, consider placing a few large to medium lanterns grouped around the exterior of the area than smaller versions of the same lanterns on the table or hung over the table. Lanterns come in all styles, from modern to nautical and traditional to transitional. Finally, you can add some funk to your space with fun summer lighting. From colored floating spheres to summer-themed hanging lights, there’s no limit to how groovy you can get. If you have a pool or pond, add some color-changing floating lights. You can also add some summer-themed string lights to a deck railing. From flamingos to palm trees, pineapples to flip-flops, beach balls to jellyfish, and more, these lights can bring a bit of fun to your summer scene. n

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Shower Doors n Plumbing Fixtures n Decorative Hardware n Vanities n

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LONGPORT | $1,800,000 Represented Buyer

223 N. NASSAU AVE, MARGATE | $1,899,000

MARGATE | $999,000

New construction, 5BR, 3.5 BA, indoor outdoor fireplace, multiple decks. A MUST SEE!

Represented Buyer

VENTNOR | $1,200,000 Represented Buyer

MARGATE | $2,850,000 Represented Buyer

VENTNOR | $1,150,000

MARGATE | $3,000,000

Represented Buyer

Represented Seller

MARGATE | $637,000


Represented Seller

Representing Buyer


As seen in The Press of Atlantic City on March 24, 2002

Business Spotlight

Preserving Margate A story of two local developers that led Margate’s rebirth and island's renaissance. Discover the history behind Margate's game changers Steve Lazovitz and Joe DiLorenzo. By Wendy Saltzman


stroll down Margate’s Washington Avenue showcases the heart one of the best places to live down the Jersey shore. This coveted beach town is home to year-round residents, summer homeowners and vacationers who eat, drink, shop, work and play in this now bustling shore point. Flash back 25 years ago and Washington Avenue’s future looked very different. It took the vision and leadership of two local developers to shape the island town into the busy hot spot you see today. In the mid-90s, the building that is now home to Tomatoes was deserted and boarded up. Large lots and buildings across Margate stood vacant and very little real estate on the market was selling. Joe DiLorenzo and Steve Lazovitz took a leap of faith with plans to restore significant projects in the area, two of which lined the Washington Avenue corridor. “Steve Lazovitz was my partner, mentor and visionary. Everyone stands on someone’s shoulders to move ahead in life and business. Steve took me from selling houses into the development business.” You may recognize DiLorenzo’s name from the building that bears it at 101 N. Washington Avenue. It was one of the duo’s first redevelopment projects together. “We started with bank owned properties and 101 N. Washington was vacant and available,” DiLorenzo explained. And their restoration plans didn’t stop there.” We purchased 1,000 feet of bayfront property, 14 lots for $900,000 along Amherst and Fremont Avenues. We also purchased the property directly across from Tomatoes and rehabbed a multi family residence. Steve was the visionary. I was along for the ride, soaking up everything I could learn.” Lazovitz had a different approach from many developers in the area. “Steve’s vision was to preserve history and restore instead of tearing down properties, and he wanted to ensure what we built withstood the test of time,” DiLorenzo continued. “He spared no expense and did everything the way it should be done — the right way.” For instance, the Risley’s Cove bayside project was approved for 21 units, but they choose to build only 13 homes to maintain control of the design integrity which included cedar exteriors only and a collaboration with six different architects. “That was our largest and most challenging project that laid the groundwork for future residential development,” DiLorenzo explained. The pair shared the same objective of then Mayor William Ross and former zoning czar Roger Rubin to turn Washington Avenue into a corridor that would connect the ocean to the bay. Instead of tearing down 101 N. Washington Avenue, Lazovitz and DiLorenzo converted the abandoned Seashell Motel into a first-class office building where Joe’s business is located to this day. In honor of its 25th anniversary, DiLorenzo is rededicating the building as a tribute to Lazovitz who passed away five years ago. This year also marks the 25th anniversary of the construction of their Risley’s Cove project, and the 20th anniversary of the renovation of the Winchester House in Longport where they converted a 19


LIFESTYLE | Shore 2022


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BUSINESS SPOTLIGHT room, one hundred-year-old hotel into four luxury condos. “As locals, Steve and I have maintained a commitment to our community. Someone had to jump into the deep end, so we did and developed properties that have led the way for further development and the renaissance of Margate specifically,” DiLorenzo said. DiLorenzo has called Longport home since 1983 and lives the life he sells. In addition to commercial development, he owns and operates DiLorenzo Realty Group, an independent real estate firm that boasts some of the highest home sales from Atlantic City to Longport annually. “We are a small close-knit independent office of locals who are deeply committed to personalized service. I have never believed that bigger is better. Real estate will always be a relationship-driven business,” DiLorenzo said. “My background as a developer and commercial owner allows me to look at real estate from all angles and pass on my expertise with authority.” DiLorenzo’s experience with development has bolstered his knowledge on the commercial and residential real estate side as well. “You learn what to look for, what to do, and more importantly what not to do. Steve’s philosophy was if you can’t do it right, don’t do it. No compromises.” As DiLorenzo looks towards the future of Margate, he sees maintaining the quality of life he appreciates daily as the top priority for the community in the years to come. “I never thought as a kid growing up in Camden that I would someday have the opportunity to live in a place that I only dreamed about. I never take a walk on the beach for granted.“ DiLorenzo, Lazovitz, and partner Steve Cravitz created SJS Realty Management in 1997. The team currently owns approximately 800,000 square feet of office, commercial and industrial properties in four States — New Jersey, Pennsylvania, Maryland, and Florida. n

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LifeStyle Leisure



n May 26, 1978, Atlantic City’s first legal gambling house became a reality — Resorts International Hotel & Casino. From the minute the doors opened at 10:00 AM that day, lines of people queued up for several blocks, eagerly waiting to try their luck — and the lines never seemed to end. Whether rolling dice at a craps table or throwing quarters into a slot machine — yes, using actual coins, Resorts instantly became the premier place to be and to be seen. Then and Now In a perfect blend of old and new, the stately Chalfont Haddon Hall, built in 1929, was transformed into Resorts International. Even now, its classic look remains part of Atlantic City’s rich history. When Resorts opened, the scene exuded success, flash, and good times: skimpily clad cocktail waitresses offered drinks to gamblers, fine restaurants served exquisite meals, and crème de la crème acts performed on stage. It was a jackpot — literally and figuratively! Fast forward 42 years later and Resorts continues to shine. In keeping with her nearly 100-yearold tradition as a first-class hotel, Resorts touts over 900 guestrooms featuring oversized bathrooms with imported marble, walk-in showers for two, and more. Lush suites, designed with elegance and relaxation in mind, are also available. And, of course, rooms at Resorts have something no other gambling town can offer — bird’s-eye views of the beach, Boardwalk, and Atlantic City. Capriccio, the upscale Italian restaurant that opened in 1978, continues to serve delicious cuisine in its elegantly inspired dining room. For decades, guests have savored the superb food — a favorite of Sinatra’s when he regularly headlined at Resorts International. In 2021, Capriccio was voted (for the second consecutive year) as Best U.S. Casino Restaurant by USA TODAY’s 10Best. com. Heather Menzano, Director of Advertising/PR at Resorts International, sums up Resort’s culinary legend, “The longevity of Capriccio can be attributed to the impeccable service and the quality of the product. Both of these factors create an unforgettable dining experience. ” In addition to Capriccio, Dougherty’s Steakhouse & Raw Bar recently joined the Resorts dining

Clint Holmes in the famuos Superstar Theater Sunday brunch at Capriccio

Capriccio dining room

Whether rolling dice at a craps table or throwing quarters into a slot machine — Resorts is the premier place to be and to be seen. By Molly Golubcow


LIFESTYLE | Shore 2022



list. Operated by the Dougherty family — famed owners of the Knife & Fork, Dock’s, and other classic restaurants for over 120 years. The Dougherty’s bring their iconic brand to Resorts from raw bar to surf and turf entrée options. Because of the unique layout of the room, the Steakhouse is almost like two restaurants in one — the bright and airy experience at the Raw Bar or the intimate Steakhouse. All in all, Resorts offers 16 restaurants and eateries as well as seven bars/lounges. There is something for every palette. Parrot Head fans can escape to the beachside of the hotel to Jimmy Buffett’s Margaritaville — complete with a tiki bar and Buffettinspired accent pieces throughout the restaurant. A year-round exterior deck on the Boardwalk allows guests to enjoy alfresco dining or a drink topped off with a gentle ocean breeze — regardless of the temperature. Menzano explains the draw that the popular waterhole has to guests, “Food, drinks, and live entertainment are available for local residents and visitors alike looking for a cool, casual place to have a good time. Devoted Parrot Heads ‘looking for their lost shaker of salt,’ will all find what they are looking for and much more.” In addition, the LandShark Bar & Grill features retractable walls that provide spectacular views of the ocean — a perfect spot for beachside parties on the sand complete with a fire pit and comfy beach furniture. Inside, surfing artifacts make up the décor honoring the great Atlantic City surfing tradition.

MICHAEL A. GOLOFF Ceritfied Public Accountant 609-350-6958 1616 Pacific Avenue, Suite 407 Atlantic City, NJ 08401 28

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A Sure Bet Over the past few years, Resorts has undergone $130 million in renovations including the addition of the DraftKings Sportsbook — an immersive online gaming option offering multiple sports and wagering possibilities. Sports fans enjoy amenities like live, in-game betting with five windows, 18 kiosks, and multiple opportunities to place bets. Additionally, the space offers an ultra-

high-definition 15-foot video wall, a VIP area with food & beverage service, comfortable stadium-style seats with chargers, and a full bar with beverage service and bar top electronic slots. Whether in the DraftKings Sportsbook or other areas of the property, Resorts takes great pride in their “highly trained and knowledgeable staff.” In 2021, Strictly Slots Magazine voted Resorts International two Best of Slots Awards in Atlantic City — Friendliest Casino and Best Customer Service. Superstar Entertainment Since the curtains went up on the stage of the Superstar Theater over 40 years ago, Resorts continues to present top-notch performances. The 1,300seat venue has welcomed some of the world’s hottest celebrities including Frank Sinatra, who exclusively performed at Resorts for years, Dolly Parton, Cher, and Stevie Wonder, just to name a few. Upcoming entertainment includes the Boogie Wonder Band — known as the most celebrated Disco band for dancing and grooving to the tunes of the 70s. In addition, Tower of Power, the American R&B funk and hornbased band will perform hits from their 26 albums of groove and soul. For more headliner information, check out Resort’s Entertainment page. The Resorts of Tomorrow In 2022, Resorts Casino Hotel plans to invest $5 million to re-energize the casino floor with new, state-of-the-art slot machines. In addition, Atlantic City’s first casino anticipates opening a rooftop indoor/outdoor pool. Set to open in late June, guests will be able to enjoy lounging and partying at the pool year-round thanks to five fully retractable roof panels. The pool deck will also be upgraded with new ceramic tile, luxurious chaise lounges, tables and umbrellas, a new sound system, and a full bar. Menzano sums up Resort’s exciting upgrade, “This all-new indoor/outdoor pool experience will be a premier amenity in Atlantic City.” n


Dining at Resorts Casino Hotel is an experience to savor. Capriccio, voted #1 U.S. Casino Restaurant by USA Today, brings an authentic, fresh menu of Italian favorites to life with exceptional service. Dougherty’s Steakhouse and Raw Bar offers a 120-year family history of dining excellence. And Eastwind offers true Asian cuisine in an elegant, yet relaxed atmosphere. Enjoy the talents of our culinary masters at Resorts Casino Hotel in Atlantic City. FOR RESERVATIONS VISIT RESORTSAC.COM OR CALL 609.340.6555


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LIFESTYLE | Shore 2022


Health Watch By Robin Stoloff


f the word “exercise” sends shivers up your spine, you are not alone. Fewer than one in four Americans get enough regular exercise. It has been said that “sitting is the new smoking.” In other words, a sedentary lifestyle can be just as harmful to you as smoking cigarettes. That is a sobering thought. Given all we know about the amazing benefits of physical activity, why aren’t more of us doing it? “Lack of time” is the usual excuse. However, a recent survey from the Centers for Disease Control and Prevention disputes this argument. They found that the average adult in the U.S. spends about three hours on screens and two hours on other leisure activities — a whopping 5 hours a day! Turns out, we do have time for exercise. We tend to make time for what is important to us. “I can’t afford it” is another reason people give for not being active. However, there are various ways to incorporate fitness into your life that are either free or very affordable. Bicycling, walking, and jogging will not cost you a dime and have the added benefit of getting you outdoors. “I hate exercise” is something else you will hear. Seriously? There are countless ways to get fit. That is why it is essential to try different options and find the activities that interest you. If you don’t like running, don’t run. You can also make fitness social by walking with a friend or playing a sport, such as pickle ball. While you may not “love” exercise, you must appreciate its many benefits. Who does not want to feel stronger, more energetic, leaner, and more confident? Find some way to move your body and do it — end of story. Also, it might help to change your language. Instead of “exercise,” say “movement” or “physical activity.” Sometimes, just changing how you view it can make a difference. My husband calls it “training.” I asked him once what he is training for, and he said, “life.” From the time we met in a gym, fitness has been a part of our lives. We work out in our home gym together several days a week along with our kids. We have made it a family activity and instilled the value of physical fitness in our family. So, bottom line, it comes down to motivation. Here is the usual scenario — your jeans fit too tight, you feel sluggish and uncomfortable, so you decide you will finally do it this time. You go all in — join a gym, start jogging, take classes. A few weeks pass, and you miss a workout, then another, and after a few months, you stop altogether. Studies show that about 75% of people quit their workout program before reaching their goals. One of the main issues is that people do not see results immediately. However, consider this: it did not take you three months to get out of shape or gain 30 pounds; why would you expect to reverse that in three months? Think of it this way. It might take you ten months, even a year, to reach your ideal weight, but that year will go by anyway, so what will have changed at the end of it? The key is consistency. Commit to a realistic schedule and show

up. Results are subtle, but they will happen if you keep at it. While the guidelines recommend at least 150 (2.5 hours) minutes of exercise per week and strength training twice a week, a new report shows a little goes a long way. According to a study of movement and mortality published in JAMA Internal Medicine, if most of us started walking for an extra 10 minutes a day, we could prevent more than 111,000 deaths every year. Even a little additional physical activity by each of us could potentially stave off hundreds of thousands of premature deaths over the coming years. We also have more options than ever before. Since the pandemic began, we have learned to enjoy virtual programs that we had never needed in the past. We have had the opportunity to try new apps, virtual trainers, coaches, and online workouts — live and recorded. We have found new paths to stay in shape. That is good news if you want to begin and maintain a fitness program from the comfort and privacy of your own home. There are programs for beginners, intermediate and advanced participants. You can find weight training classes, cardio, low-impact, dance, boxing, yoga, and home cycling and treadmill classes. The list continues to grow. The demand for virtual fitness has led to tremendous options, but now some people are headed back to the gym. It is the best of both worlds. It is called hybrid fitness, and most experts say it is here to stay. We can work out or take a class at the gym in addition to our virtual classes or home fitness programs.

Robin and her husband Richard in their home gym


LIFESTYLE | Shore 2022


HEALTH WATCH It is a modern lifestyle that has opened up an entirely new fitness world. Let’s face it — we have had to work for anything we value in our lives, whether it is our family, education, our home, or our career. Fitness is no different. It is not an option; it is a necessity. It does require commitment, but the rewards outweigh the effort. I have never finished a workout and said, “I wish I didn’t do that!” You will feel better, you will look better, and you will be better. As my husband and I always say, if you do it, “It can’t not work!” n

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JUST START: Steps to Begin a Fitness Routine from The Mayo Clinic

Know Your Why and Put it on paper. A written plan makes success more attainable. Assess your fitness level and consider your goals. Do you want to lose weight? Do you want to reduce your medications? Play with your kids or grandkids? What will keep you motivated?


Create a Balanced Routine: Get at least 150 minutes of moderate or 75 minutes of vigorous aerobic activity each week. Do strength training exercises for all major muscle groups at least twice a week. Start Easy and Progress Slowly: If you have an injury or medical condition, talk with a fitness professional to help you design a program to fit your needs. Be sure to speak with your doctor before beginning a program. Build Activity Into Your Daily Routine: Schedule exercise just like you would any other appointment. Plan to watch your favorite show on the treadmill or take a walk on your lunch break. Allow time for recovery: Many people who start a workout program exercise too long or intensely and give up when they are sore. Plan time between sessions to rest or recover.

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LIFESTYLE | Shore 2022


LifeStyle On Wheels

The Posh GV80 With a luxurious appearance, a quiet ride, and just about the best fuel economy in its class, the Genesis GV80 is one to consider if you're in the market for an SUV. By Elaine Rose



f the name of the Genesis GV80 SUV is tucked into a corner of your mind, that’s no surprise. It is the vehicle golf legend Tiger Woods was driving last year when he crashed into a center median at about 84 mph in suburban Los Angeles. Many said Woods was lucky to come out of that wreck alive, and the construction of the GV80 was a factor in his survival. More on that later. Genesis is not a trendy brand in the United States. It is the luxury line of the Korean carmaker Hyundai, like Lexus is to Toyota and Acura is to Honda. But if you’re in the market for a luxury SUV, you would be doing yourself a disservice if you don’t at least consider the GV80. Car and Driver listed the GV80 as the best in class of mid-size luxury SUVs, and U.S. News & World Report ranked it second. Genesis introduced the GV80 as its first SUV for the 2021 model year. Only a few cosmetic changes were made for 2022, so you may save a few bucks going for the earlier model if you can find it on the dealer’s lot. The posh interior is the GV80’s main selling point. “From the moment you open the driver’s door, the GV80’s interior impresses with lap-ofluxury amenities and finishes,” Drew Dorian wrote for Car and Driver. “Inside, the GV80 is sublime,” Cody Trotter wrote for U.S. News & World Report. “It has one of the finest cabins in the luxury midsize SUV class, with rich styling, plush seats, lots of features, and plenty of room for people and cargo.” The five seats are comfortable, with plenty of space for adult passengers, both front and rear. (A third row is optional on one version, but is suitable only for children.) Large windows provide

OPEN TO THE PUBLIC excellent views of the road and scenery. The infotainment system is topnotch and includes a 14.5-inch touchscreen with crisp graphics, compatible with Apple CarPlay and Android Auto. Some reviewers say there is a learning curve for operating the system. There are 34.9 cubic feet of cargo space in the rear, and 84 cubic feet with the rear seats folded down, plenty for most families needs. If you want an exciting driving experience, look somewhere else. The GV80 provides a quiet ride and has just about the best fuel economy in its class. Depending on the engine, the vehicle goes from a standstill to 60 mph in 5.7 to 6.4 seconds. Not as powerful as some European SUVs, but most people won’t miss the extra oomph. Some say the ride is not as smooth as it should be. “Despite the luxurious appearances, the driving experience could be more refined,” Kelly Lin wrote for MotorTrend, saying the fourcylinder engine can feel strained. “Most problematic is the harsh ride quality, unbecoming of a luxury vehicle.” But others disagree. Trotter, of U.S. News & World Report, said the ride is smooth. “It handles better than you expect, leading to a lively driving experience if you’re into that sort of thing,” Trotter wrote. The GV80 comes in three engine types, all with the same body. The 2.5T RWD, as the name suggests, comes with rear-wheel drive and has a starting MSRP of $50,200. The 2.5T AWD starts at $56,100. Both of these come with a 2.5-liter, fourcylinder turbocharged engine with 300 horsepower. The 3.5T AWD starts at $60,600 and has a 375 horsepower, 3.5-liter V6 engine. All come with an eight-speed automatic transmission with paddle shifters. Fuel economy is good for a luxury

Enjoy the world-class golf course and facilities at South Jersey’s “Favorite place to play!” Tee times are open to the public. The full-service clubhouse features a fully stocked pro-shop. Dine in the Grill Room and savor the ever-changing dinner features, along with live entertainment on Friday nights, with the option to dine al fresco. Open daily serving lunch and dinner. Harbor Pines specializes in outstanding weddings, banquets, and events for any occasion with unsurpassed attention to every detail.

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LIFESTYLE | Shore 2022


ON WHEELS SUV. The EPA estimates the 2.5T engine will get about 21 mpg in town and 25 mpg on the open road. The 3.5T will get an estimated 18 mpg in the city and 23 mpg on the highway. Some experts got slightly different results in their own tests. The downside is that both engines require premium gasoline. There are three “trims,” Base, Advanced, and Prestige. Gizmos, creature comforts, and safety features are added at each level. Only the Advanced offers the third row of seats. As for safety, the Genesis GV80 gets top rankings from the National Highway Traffic Safety Administration and the Insurance Institute for Highway Safety. Ten airbags surround the interior, and an array of driver warning features are standard “A much-publicized incident indicates the GV80’s ability to protect its occupants,” Lin wrote in the MotorTrend review. The GV80 has above-average reliability, meaning you probably won’t be on a first-name basis with your mechanic. The warranty is generous: a fiveyear, 60,000-mile limited warranty and a ten-year, 100,000-mile power train warranty. Routine maintenance is complimentary for the first three years or 36,000 miles. If you’re looking for a new SUV, you could do a lot worse than the Genesis GV80. “First efforts are rarely home runs, but the first-ever SUV from Genesis, the GV80, is flying close to the proverbial fence,” Nick Yekikian concluded in his review for Edmunds. “This midsize luxury SUV offers bucket loads of amenities and a striking design at a price that undercuts the stalwarts from Germany.” n


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"For sure you have to be lost to find a place that can't be found — else ways everyone would know where it was." —From Pirates of the Caribbean

A sailboat in the small island of Barbuda, located in the eastern Caribbean

Frigate Bird Nesting at the Frigate Bird Sanctuary at Codrington Lagoon

LifeStyle Travel

SHHH! CARIBBEAN SECRETS Take a walk off the usual Carribbean path and discover some less travelled gems that shine just as bright as their well-known sister islands. By Molly Golubcow


LIFESTYLE | Shore 2022


The beach and crystal clear ocean of the Caribbean



arketing ads have told us for many years that it is “Better in the Bahamas…” So, what exactly is “it,” and why that particular island? With all due respect to the Bahamas, the Caribbean consists of 700 other islands and many smaller archipelagos. Cruise ships, laden with travelers looking to visit tropical beaches and pick up a souvenir or two, usually stop in the more wellknown ports including the Virgin Islands and the Caymans. In their own special way, the islands are all beautiful — white sand, aqua surf, palm trees, and all that attracts millions of visitors to the Caribbean every year. However, if you take a walk (or a boat) off the usual Caribbean path, you will find

some of these lesser-known locations that shine just as bright as their more popular and populated sister islands. Let’s check out some of the less travelled gems in the Caribbean. Saba Located only 12 short minutes by plane (or 90 minutes by ferry) from St. Maarten, Saba appeals to those looking to explore natural splendors — period. There are no beaches, no fast food, and no casinos. Visitors come to Saba not to be entertained, but to discover unchartered beauty. In fact, the 2,000 people who call Saba their home, accurately refer to their island as “The Unspoiled Queen.” Roundish in shape, the 5 square mile island is actually the top of the

dormant Mount Scenery volcano. Because of the rugged terrain, hiking and climbing opportunities are plentiful. For example, in Windwardside, one of the four main villages, take a stroll up the 1,064 stone steps on the Mt. Scenery Trail for spectacular vistas of the island. In addition, Saba offers guided scuba diving excursions right off the shore where you are highly likely to encounter dolphins, stingrays, sharks, and other sea creatures. While you are diving around Saba, it is impossible to miss the Pinnacles. These volcanically formed spires rise from the ocean floor to depths of up to 100 feet. The structures, covered with a thriving population of corals and sponges, make for a memorable

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diving excursion. Fun Fact: Saba is the home of the University School of Medicine — a private, offshore medical school and one of the world’s leading international medical schools.

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Barbuda Not to be confused with Barbados or Bermuda, this little island is a 20-minute puddle-jumper away from Antigua. On the Atlantic side, take in the bluest of oceans meeting untouched beaches waiting for you to explore. On the Caribbean side, discover miles of pristine pink-sand beaches that are “Barbudaful.” In fact, a southwest section of the beach was renamed Princess Diana Beach because she loved vacationing on that part of the island. Whether you enjoy the day quietly reading in your lounge chair or swim and snorkel in the water, Barbuda exudes a calming vibe. Tourists come here for quiet and natural beauty — definitely a no booze-cruise zone! A must do when visiting Barbuda is an excursion to the Frigate Bird Sanctuary at Codrington Lagoon — a 16mile preserve that covers the entire west coast of the island. Home to more than 5,000 frigates, the world’s largest colony, you can easily observe these birds in and around mangrove islets. Frigates are distinct with wing spans reaching up to seven feet across. The male frigates are especially noticeable with their bright red throat pouches that they inflate during the breeding season. Another Barbuda attraction, Darby Sink Cave, makes for a fun day with plenty of photo ops. Some consider the 300-foot-wide chasm more of a sinkhole. Regardless of what you call it, palm trees and ferns growing up through the hole make for a mini rainforest ecosystem where flora and fauna thrive in the thick vegetation. Fun Fact: The Barbuda Express, a high-speed catamaran, is a thrilling way to enjoy the scenery from Antigua to Barbuda in three hours. Dominica (not the Dominican Republic!) Although the Caribbean offers many beaches for frolicking in the sun and surf, Dominica offers unique options. The island, located between the French islands of Guadalupe and Martinique, is a beach lovers haven. For example, Sandy Bay Beach on Dominica’s northeastern coast, epitomizes the island — dark black sand bookended by coconut palms and calm seas. Similarly, Hamstead Beach boasts with some breathtaking views, but the surf is slightly rougher if you plan to swim or snorkel. Known as the Caribbean’s “Nature Isle,” Dominica possesses 12 fabulous waterfalls. From hiking around


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the impressive Victoria Falls to swimming and wading through the smaller Dernier Falls, Dominica has something for everyone. If tropical animals and wildlife speak to you, check out Milton Falls — a 100-foot secluded falls with over

Known as the Caribbean's “Nature Isle,” Dominica possesses 12 fabulous waterfalls. From hiking around the impressive Victoria Falls to swimming and wading through the smaller Dernier Falls, Dominica has something for everyone. 170 different types of tropical birds. For a healing and relaxation experience, visit the Soufriere Hot Sulphur Springs for mineral mud baths — one of the largest boiling lakes in the world. In addition, the island is also home to the Kalinago Barana Aute, an indigenous tribe of Carib Indians. Plan a visit to the Carib Model Village to experience tribal customs and cultural traditions like basket weaving and cassava flat bread. Fun Fact: Hampstead Beach was the location of the second Pirates of the Caribbean movie — The black sand beach is where Jack Sparrow (Johnny Depp) runs from a tribe of cannibals. n

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LIFESTYLE | Shore 2022


LifeStyle Wine

By Michael Bray

Noteworthy Wines Email Michael your wine questions at michael@passionvines.com.


his time of year is a powerful reminder of how fortunate we are to call the New Jersey shore our home. This issue’s Community Q+A focuses on noteworthy wines from Italy and France, along with some insight on food pairings and suggestions of regions to explore. I’ve also included information on my favorite wines of the moment. Q: Paul S. from Ocean City asks, “What’s the difference between Rosso di Montalcino and Brunello di Montalcino?” A: Hi, Paul! Rosso di Montalcino and Brunello di Montalcino are both made entirely from Sangiovese grapes grown in the village of Montalcino in Tuscany. The biggest difference between the two is their respective aging requirements. According to Italian wine regulations, Brunello di Montalcino wines must be aged a minimum of five years with at least two years in oak. Rosso di Montalcino wines must be aged at least one year, with no oak requirement. Brunello di Montalcino is one of Italy’s most highly regarded wines, with bold, well-developed fruit and earth flavors, and high levels of tannin and acidity that contribute to its superior longevity. Due to Brunello’s pedigree and extensive aging requirements, bottles range anywhere from $65 to $200+. Rosso di Montalcino can be considered Brunello’s younger sibling, offering a lighter, more fruit-driven, and more drinkable take on Brunello’s classic flavor profile and personality. With prices starting around $20, Rosso offers a delicious and approachable option for everyday drinking, while Brunello is an excellent candidate for cellar aging. Q: Alisa B. from Margate asks, “I eat a lot of fish in the summer (mainly salmon and halibut), but I don’t drink white wine. What red wine would you recommend?” A: Hi, Alisa! While we tend to view white wine as a traditional partner for fish, a lot depends on the type of fish and the way in which it’s prepared. I’ve found that many red wines pair beautifully with a variety


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of fish dishes, but I typically avoid red wines with a high level of tannin (such as Cabernet Sauvignon and Nebbiolo) as these can overpower the fish. Additionally, if your meal includes citrus, the acidity of the fruit can clash with the acidity in the wine. For a lean, mild fish like halibut, I recommend Barbera, a light to mediumbodied Italian wine with high acidity and low tannins. Scagliola Mati Piemonte Barbera 2017 (Piedmont, Italy, $14.99) is super aromatic and fruit-driven. This would pair especially well with grilled or baked halibut with a tomato or fruit salsa. An oily, hearty fish like salmon serves as a good match for something a bit more tannic. For grilled or broiled salmon, you could try something bolder like a Rioja. These Tempranillo-based wines from Spain are medium to full-bodied with notes of fruit and touches of vanilla and toffee from oak aging. Cune Rioja Crianza 2017 (Rioja, Spain, $15.99) is flavorful with soft, well-integrated tannins that will stand up to salmon’s stronger flavor profile. Q: Michael F. from Avalon asks, “I tend to enjoy French Pinot Noir and Italian reds, mainly for their earthiness and food-friendly nature. I’m a creature of habit, so I’m hoping you can guide me to something new and equally delicious.” A: Hi, Michael! I can tell from your go-to wine preferences that you enjoy the rustic, earth-driven qualities of Old World wines, and I would suggest exploring other European regions with deep culinary traditions. Spain offers a wonderful selection of wines of various textures and flavors that are exceptionally food-friendly. Rioja’s Tempranillo-based wines offer a full-bodied rusticity that rivals Tuscany, and Garnacha is a great alternative to Barbera or Dolcetto. Try Hazaña Rioja Viñas Viejas 2019 (Rioja, Spain, $15.99), La Comarcal Delmore Tinto Valencia 2019 (Valencia, Spain, $22.99), and Bodegas Breca Old Vine Garnacha 2018 (Calatayud, Spain,

$14.99). In terms of finding a good match for French Pinot Noir, I would recommend trying Pinot Noir from Oregon’s Willamette Valley. These wines exhibit an elegance on par with many Pinot Noir wines from France’s renowned Burgundy region. Try Montinore Estate Reserve Pinot Noir 2017 (Willamette Valley, Oregon, $29.99) and Lumos Pinot Noir 2019 (Willamette Valley, Oregon, $29.99) What I’m Drinking & Why: Jean-Jacques Vincent Pouilly-Fuisse Marie Antoinette 2018 (Burgundy, France, $26.49): This fresh, bright Chardonnay is fermented primarily in stainless steel, with only 25% of the wine seeing oak. The nose offers touches of stone fruit and vanilla, and the palate is vibrant with apple, peach, and refreshing acidity. Pair with sushi or goat cheese. Mastrojanni Brunello di Montalcino 2016 (Tuscany, Italy, $90.49): The 2016 vintage produced Brunello of excellent structure and elegance, with exceptional longevity. Mastrojanni Brunello di Montalcino 2016 is concentrated with aromas of dried cherry and leather and flavors of fruit, earth, and spice. It’s fullbodied with chewy tannins that will continue to soften over the next several years. I recommend cellaring until at least 2024. Pol Roger Brut Rosé Champagne 2015 (Champagne, France, $141.99): This vintage offering from one of France’s best Champagne houses is comprised of a finely balanced blend of Pinot Noir and Chardonnay. The nose is full of red fruit and rose petals, and the palate is full-bodied and rich with notes of blood orange and raspberry. Pair it with grilled salmon or a fruit tart. Drink Passionately,

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LifeStyle Art

Outside the Box with Heather & Heather

Heather Shawne and Heather Deegan Hires are two local artists who are differentiating themselves by making their work distinct. By Michael Cagno Sun and the Star photo by Ruben D. Garcia, Model Liza Ay



hen one thinks of an artist, often the image of a painter, sculptor or photographer comes to mind. Blue-chip names like Picasso, Koons, or Rodin are adorned on coffee mugs, posters, and t-shirts throughout the museum gift shop world. Artists are either self-taught or receive formal education from a pricey art school. What they have in common is the challenge to make their work distinct. Just like any business, artists must find ways to differentiate themselves in the marketplace to find that competitive edge while also maintaining their core values. Art is a language articulated by using visual elements and principles. In the end, it doesn’t really matter if this articulation is on a canvas, piece of furniture, or the human body. The path for each artist is always different and the journey is often difficult. Artist Heather Shawne, born in Galloway, NJ, always wanted to be a forensic scientist. Her curiosity about the human body led her to a degree in criminal justice, graduating in 2012 from Stockton University. The idea of being in the basement of a coroner’s office conducting an autopsy was Heather Shawne sewing, Photo by Michael Cagno Custom chair Photo by Heather Shawne

Mural for Bar 32, Atlantic City, NJ Photo by Ruben D. Garcia

Art is a language articulated by using visual elements and principles. In the end, it doesn’t really matter if this articulation is on a canvas, piece of furniture, or the human body. Happily Ever After Photo by Heather Shawne

very appealing. After an internship at the Atlantic County prosecutor’s office and with no job prospects, Heather chose a different path. Heather’s father suggested the trades. So she applied to Carpenters Union 255. Known as the premier skilled trade organization in South Jersey, the training would complement her other interest in making art. After five years of intensive training, Heather became a journeyman. “I was able to develop new skills, which made me more resilient,” says Heather. For six years, she worked at the Golden Nugget in Atlantic City repairing slot seats and restoring seating and curtains. Recently, Heather transferred to Resorts Casino Hotel where she is a member of a two-person team. Interestingly enough, the carpenter’s shop used to be the morgue when Resorts was a hospital. In 2022, Heather opened Dying Breed Upholstery, a studio in the Noyes Arts Garage of Stockton University in the heart of Atlantic City. Though her studio practice is currently on the side, her goal is to one day create full-time. Heather loves working on antique chairs because she finds it very rewarding. The old framing and cool details can’t be found in modern productions. Clients bring her direct commission work, but she is also a picker, finding lost treasures and bringing them back to life. “It is a delicate balance between providing for the needs of the client while also placing my own mark.” Her style is eclectic, distinct, and striking. One of Heather’s first bodies of work was known as “horror chair,” pulling influence from the likes of Beetlejuice and Nightmare Before Christmas with specialty sourced fabric. Her process is not unlike

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most artists, working alone while listening to her favorite music, “classical rock.” “Many people ask me how long it takes to create a piece. My chairs often take 10-15 hours, while a sofa can take about a week to complete. I start by breaking down the piece to the frame, fixing or replacing springs, reinforcing joints, etc.” Each piece is signed on the inside during fabrication, only to be revealed during the next restoration. Most of Heather’s clients are local, but also stretch across the country. The latest pieces have been shipped to Texas, California, and Canada. Price points start at $30 for a designer pillow and go into the thousands, depending on the furniture’s scale and design. From a very young age, Atlantic City artist Heather Deegan Hires loved being creative. “I guess I’ve always been an artist (I even remember asking in second grade

“Lucid Dreams” Noyes Arts Garage, A.C. Photo by Ruben D. Garcia, Model Christine Joy


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for extra cursive homework, because I loved learning the penmanship).” As a self-taught artist, she has fond memories that resonate from being appointed “Most Artistic” while in high school at the end of her senior year. Heather is known for her figurative work and is inspired by imperfect and different images and people. “I love messy art, dripping paint, and thinking outside the box”. Her medium is mostly painting, and years ago she pushed herself further and started body painting. Being alive, the models give her canvas breath. Body painting takes art to another level by incorporating new dimensions and surfaces. Holding a paintbrush in her hand is one of Heather’s favorite things because creating by hand is very grounding, magical, and meditative. Heather’s favorite projects are when she is given the trust and freedom to create anything in each space. With these art installation projects, “I can bring everything to life; from painting art on a canvas, on a wall or floor, to suspending things from the ceiling.” Integrating lighting and music sets the tone of the room, along with painting live models who interact within the space. Installation art creates an immersive experience and produces special memories, not only for herself but also for those who have been part of the art and for those who also attend. As an artist, one of the biggest challenges she finds is to make herself “loosen up”. She is not after creating the “perfect art” or fine art. “I know I am happiest with my work when it is imperfect. Sometimes I paint an image, then when it is painted, I drip paint or smear paint down the front of it.” Then at that point she is happy, creating freehand with the brush strokes and the movement of paint over the canvas. In the future, Heather hopes to see herself involved in larger and more immersive projects. n



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Enriching Elder Lives

Alzheimer/Dementia Support Group The 3rd Tuesday of every month 4pm-5pm Contact Director of Social Services Katrina Schnepp, CSW, CDP at 609.404.4848 or schneppk@seashoregardens.org In person attendance will require Covid Screening and KN95 mask to be worn. njlifestyleonline.com

LIFESTYLE | Shore 2022


LifeStyle Entertainment

The communities of Five Mile Beach are welcoming summer a few days early when the BCMF hits the spacious strand in June. And Wildwood has put this festival on the map for the whole country music world. By David J. Spatz


ast summer, with COVID-19 still at pandemic levels, officials in the Wildwoods were determined not to lose a second summer to the coronavirus. Throwing caution to the wind, the community teamed up with Southern Entertainment and staged the biggest four-day country music festival in the northeast. Two weeks before Labor Day — the unofficial end of the summer tourist season — 30 top country artists and bands drew tens of thousands of music fans to the beach and successfully pulled off a four-day mega event dubbed the Barefoot Country Music Fest.


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Florida Georgia Line

Rita Wilson

Cole Swindell


LIFESTYLE | Shore 2022





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This year, with Covid apparently on the wane, the communities of Five Mile Beach weren’t about to wait until summer was almost over for a BCMF encore. Instead of doing it just before Labor Day, they’re jumping the gun and welcoming summer a few days early when the BCMF hits the spacious strand June 16-19. “As great as last year’s event was — and it was fantastic — this one’s going to be even better,” says Wildwood Mayor Pete Byron. “If you don’t have tickets now, you’d better get them while you can, because the moment they went on sale, they started selling out really fast.” Finding acts willing to play the festival was a cinch this year, according to BCMF promoter Bob Durkin, who produces some of the country’s biggest country music events. “Last year, we had to ask (the artists) if they’d come and play our new festival, and they wanted all the details about it. But as soon as last year’s festival ended, my phone started ringing (with calls from artists),” Durkin says. “This year we have Jason Aldean, Eric Church, Florida Georgia Line, Cole Swidell, and many more. Wildwood has put this festival on the map for the whole country music world.” Just like last year’s BCMF, the event will be held on the beach in a gated, 33-acre space between Morey’s Pier at Schellenger Avenue and the amusement company’s Adventure Pier at Roberts Avenue. Other acts scheduled to play the four-day festival include actress and singer Rita Wilson, who will likely try and convince her husband, actor Tom Hanks, to join her during her time in

Wildwood. Dustin Lynch, Chris Janson, Priscilla Block, and Poison lead singer Bret Michaels are also in the lineup. Compared to presenting last year’s show — which drew approximately 30,000 people to each of the four days — putting together BCMF ’22 was a piece of cake. In 2021, with all of the confusion and uncertainty surrounding the Covid crisis, the city and the promoter really weren’t sure they could pull present the show because the dates kept getting moved around. “We didn’t even know it was actually gonna happen. We were in constant communication with (the Wildwoods),” Durkin says. “The mayor seemed confident. He kept saying this was something we needed (during the pandemic). I think the last two or three weeks (before the festival) were kind of crazy. We didn’t know we had a hit until Friday night when Carrie Underwood showed up and hit the stage. When we looked out from the stage (at a sea of people), we thought it was pretty unbelievable.” Like many summer events in shore communities, locals often get left out of the fun because the events are usually held on weekends, and shore businesses basically have a 10-week season to earn what it takes to live through the winter. So the possibility of weekends off from work ranges from rare to impossible. But the Wildwoods have taken that into consideration, which is why it has chosen Thursday to kick off the festival. Locals can sometimes get a weekday off, and if they’re lucky enough to not work on June 16, they’ll be treated to the music of Cole Swindell, whose number one hits

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LIFESTYLE | Shore 2022



Spring Into Action

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Shore 2022 |



include “Chillin’ It” and “You Should Be Here.” All told, he’s had 11 Top 10 country hits. Byron said he was “amazed” when he looked out at a sea of people when he took the stage last year to welcome attendees to the BCMF. Staging the show in mid-June instead of late August not only makes it easier for locals to enjoy the event, but also alleviates the hassles of hotel room shortages and a lack of parking. “It’s a great time of the year because we still kind of have our town to ourselves,” Byron says. “Last year, we were gonna do it in August but we kept pushing it (earlier). This was a risk by (Durkin and Southern Entertainment). At first, we were gonna have it in June. But we kept reading the tea leaves from (Gov. Phil Murphy) and they made the decision that we were going to do it in August. But June is so much better because we have the availability of hotel rooms, parking wouldn’t be so much of an issue and things such as that.” Scheduling a four-day country music festival shows that both the Wildwoods and Southern Entertainment are confident the market can sustain that many days and more than 30 artists. “There’s a lot (of festivals) out there that are one and two days, and the majority of the bigger ones are three,” Durkin adds. “But we approached this because there are so many people within driving distance. Between that and the support we were getting from Wildwood, four days made sense. The number of days puts us right up there with the big names (in music festivals). It really paid off for us to go out there and do the biggest type of festival we could do. People responded. “This year, the Cole Swindell Thursday kickoff adds another element to it because we have all these local people who will be working all weekend long. But for 20 bucks, you can get a ticket … and come check out the festival site. We have a lot of reasons for adding that fourth day, that’s one of the most important ones. Between that and the support we were getting from Wildwood, four days made sense. The number of days puts us right up there with the big names (in music festivals). It really paid off for us to go out there and do the biggest type of festival we could do.” Tickets to the Barefoot Country Music Fest are available through the festival’s website at bcmf.com Meanwhile, while Wildwood has the biggest country music festival this summer, it doesn’t have an exclusive. Atlantic City will present the TidalWave Music Festival with more than 20 country acts on the beach Aug. 12-14, featuring headliners like Luke Bryan, Morgan Wallen, and Dierks Bentley. One week prior to TidalWave, musician Trey Anastasio will lead his world’s-finest jam band Phish onto the strand for three shows Aug. 5-7. It’s the second straight year Phish will play the Atlantic City beach. n

Barefoot Country Music Fest 2021 Photo by Southern Entertainment


LIFESTYLE | Shore 2022


Calendar of Events 5/7 > Ventnor Block Party Ventnor Avenue (Troy to Portland Aves.) 10:00 a.m. - 5:00 p.m. ventnorcity.org

5/19 > 10th Annual Cocktails by the Beach to benefit Gilda's Ocean Casino Resort, Atlantic City 6:00 p.m. - 9:00 p.m. cscnj.org

6/9 > 27th Women's Forum, Carla Hall Golden Nugget, Atlantic City 10:15 a.m. facebook.com/thewomensforum

5/8 > Mother's Day Brunch Linwood Country Club, Linwood Reservations available linwoodcountryclub.com/events

5/20 > Tequila Pairing Dinner The Pier House at La Mer Beachfront Resort, Cape May Reservations required capemaylamer.com/special-events

6/10 > 2022 Holy Spirit Spartans Beach Bash Laguna Grill, Brigantine 6:00 p.m. - 10:00 p.m. holyspirithighschool.com

5/21 > Chili Knock Out & Spicy Food Festival Orange Loop Arena, Atlantic City 11:00 a.m. - 6:00 p.m. chiliknockout.com

6/11 > Comedy & Cocktails Night Harbor Pines Golf Club, Egg Harbor Township 6 p.m. harborpines.com

5/28 - 9/3 > Ventnor Summer Beach Jam Newport Ave. Beach Gazebo Every Saturday at 5:00 p.m. ventnorcity.org

6/16 to 6/19 > Barefoot Country Music Fest Wildwood Beach, Wildwood Thurs, 6:00 pm - 11:30 p.m. Fri – Sun,1:00 pm - 11:30 p.m. barefootcountrymusicfest.com

5/13 > Corks & Courses Dinner Kennedy Cellars, Hammonton 5:30 p.m. kennedycellarswine.com 5/13 to 5/15 > 2022 Exit Zero Jass Festival Main Venue: Exit Zero Ferry Park with 2 outdoor stages. Cape May bars/restaurants at night. Times vary exitzerojazzfestival.com 5/14 & 5/15 > Mayfest Historic Smithville 10:00 a.m. - 5:00 p.m. historicsmithville.com


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6/1 & Every Wednesday > Whiskey Wednesdays Passion Vines, Somers Point 5:00 p.m. passionvines.com/events

Due to the increasing amount of cancelations and postponements, we encourage you to visit each property/ venue websites for the most recent and up to date information.







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LifeStyle Social

See more event photos at facebook.com/NJlifestyleMag

Archer Celebrates Ribbon Cutting of New Voorhees, NJ Headquarters

Archer, one of the largest full-service New Jersey law firms, and local officials celebrated the ribbon cutting of Archer’s new headquarters in Voorhees. State Representative Louis D. Greenwald and Voorhees Mayor Michael Mignogna joined Archer firm leaders.

Photos by DMH Photography

Noyes’ Second Friday Celebrates New Openings The Noyes Arts Garage of Stockton University held their "Second Friday" event which is held every second Friday of the month. Guests celebrated the openings of Art C's Clique21 and paintings by Morgan Craig. Also enjoyed was live music by Pan Gravy and complementary light fare.

Photos by Nick Valinote

AC Conceirge Holds Event At Bourre

The Greater Atlantic City Concierge Association gathered for their March Membership Event at Bourre in The Orange Loop this past March to enjoy the tastes, vibes, and spirits of the area’s best New Orlean’s themed pub, and find out about all of their upcoming entertainment and events!

Photos by Nick Valinote

Epicurean Society Gathers At Tomatoes

The Epicurean Society of Southern New Jersey enjoyed an amazing night filled with great food, great people and great service at Tomatoes in Margate.


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Photos by Nick Valinote

LifeStyle Social

Submit your photos to njlifestylemagazine@gmail.com

Kennedy Cellars Holds Society Membership Weekend Event

The Hammonton winery invited members to join for their first-ever Cellars’ Society membership weekend. Guests had the opportunity to pickup their first wines of the year, receive complimentary fare from local vendors, have exclusive access to wine tastings, and so much more.

Photos by Nick Valinote

The PR Council Of Greater Atlantic City Lucheon Joe Lupo, President of the Casino Association of New Jersey and President of Hard Rock Hotel & Casino Atlantic City, spoke to attendees at the February PR Council luncheon, held at Council Oak Steaks & Seafood.

Photos submitted

Rockin J Ranch Hosts Open House

273 people who turned out for Rockin J Ranch’s successful open house in April. Guests enjoyed free food, demonstrations, giveaways, and interacting with horses. Michaels Jerseylicuous BBQ was also a hit!

Photos by Nick Valinote

Seniors Prepare Seeds Of Gratitude

A group of residents at Seashore Gardens Living Center (SGLC) made homemade seed packets to give to a loved one in a recent Eldergrow session. They decorated the “seeds of gratitude” packets in beautiful watercolors.

Photos by Erin Luurtsema


LIFESTYLE | Shore 2022


LifeStyle Social

See more event photos at facebook.com/NJlifestyleMag

Atlantic Cape Foundation 39th Annual Restaurant Gala

The annual gala, “Immersion,” was welcomed back by Harrah’s Waterfont Conference Center in April. The scholarship fundraiser benefits students in the Academy of Culinary Arts. This successful event is now in its 40th year.

Photos by Nick Valinote

St. Patrick's Day Celebration At Josie Kelly's

Revelers enjoyed a St. Patrick’s Day Celebration at Josie Kelly’s Public House in Somers Point. Friends enjoyed live music, Irish dancers and bagpipers on this lucky day.


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Photos by Harry Purdy

LifeStyle Social

Submit your photos to njlifestylemagazine@gmail.com

7th Annual Captain’s Table VIP Reception

Over 650 people attended the Captain’s Table Dinner at the Atlantic City Boat Show in March. The event raised $55,000 which will provide 165,000 nutritious meals to 500 families in Atlantic and Cape May Counties.

Photos Tom Briglia/Photographics

Artist Stan Sperlak Appears In Cape May

Local artist Stan Sperlak debuted his exhibit “Of Allegories and Muses” with an opening reception at the Gallery at Ferry Park in Cape May on Friday, April 1, 2022.

Photos by Nick Valinote

Jewish Family Service ‘It’s Game Time!’ Event Raises $33,000

Guests enjoyed an evening of buckets and baskets at the ‘It’s Game Time!’ fundraiser hosted by Jewish Family Service of Atlantic & Cape May Counties in March. The basketball themed event, which was held at The Wave Nightclub & Lounge in the Golden Nugget Hotel & Casino Atlantic City, raised $33,000 to support JFS programs and services. Photos submitted


LIFESTYLE | Shore 2022


LifeStyle Social

See more event photos at facebook.com/NJlifestyleMag

Seashore Gardens 5K Run/Walk Raises $25,000

The 12th Annual Seashore Gardens 5K Run, Health Walk took place Sunday, April 10, on the Boardwalk at Stockton University Atlantic City Campus. Net proceeds from this event benefit the Alzheimer's/dementia services of Seashore Gardens Living Center, an independent nonprofit home for the aged.

Photos by Nick Valinote

Chaîne Gathers At Giraole

The Chaîne des Rôtisseurs gathered at Girasole Atlantic City this past February where members enjoyed a four-course truffle-inspired meal including cauliflower soup, risotto, carpaccio di manzo and more!


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Photos by Nick Valinote

LifeStyle Social

Submit your photos to njlifestylemagazine@gmail.com

Sip. Savor. Support. Fundraiser A Success

Vagabond hosted their annual Sip. Savor. Support. fundraiser to benefit the Cancer Support Community New Jersey at Gilda's Club this past March. It was an amazing evening of supporters and donations.

Photos by Nick Valinote

Boys and Girls Club Honor Female Executive Chef The Boys & Girls Club of Atlantic City honored Atlantic City’s first female Executive Chef Pam Green at the Waterdog Restaurant at Ballys Atlantic City on April 13th, 2022.

Photos by Nick Valinote


LIFESTYLE | Shore 2022


LifeStyle Eats

Cookie Till at the farmland in Egg Harbor Township


“ 68

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From chef's hat to a farmer's cap, Cookie Till is the driving force behind creating her own sustainable ecosystem.

I always love the good feeling I get by feeding people. They feel taken care of — like your grandmother’s soup — it warms your soul and gives you memories. It’s a labor of love.” —Cookie Till


By Molly Golubcow Steve & Cookie's photos by Nick Valinote Farm photos by Brandon Louis

Steve and Cookie's dining room

Oysters on the half shell

Bartender John Baker and his art work

Seafood Panroast

Roasted Beets

Hummus Plate

Espresso at Ventnor No. 7311

Crispy Roasted 1/2 Duck Ventnor No. 7311's barista presents fresh baked bread from Hammerbacher


LIFESTYLE | Shore 2022




Reed's Organic Farm

A horse on the farm

Ventnor No. 7311

es, we all eat to survive. But for some people, eating is more of a sensual experience — savoring every morsel from ingredients to seasonings to presentation. Foodies, self-proclaimed or culinary trained, fall into that category. Then we have Cookie Till, a woman who is in a foodie class of her own. As the driving force behind Steve & Cookie’s, one of the most sought-after restaurants in the Atlantic City area, Till takes great pleasure in creating and serving food her way, the only way — not letting a single detail go overlooked. Hats Off As a restaurateur for decades, Till wears many hats atop her curly mane. There’s the white chef’s hat, of course, when she’s in the Margate restaurant or in Ventnor No. 7311, a coffee and small-batch bakery which she coowns. By night, she dons a “hostess with the mostess” chapeau personally meeting and greeting her guests at Steve & Cookie’s. No wonder the restaurant was selected as a semifinalist by the James Beard Foundation for Outstanding Hospitality. In addition to her chef hats, Till also wears a farmer's cap on many occasions. For years, she has been involved with non-profit groups that spearheaded gardens for school children in the community. For example, she helped create a 16-bed vegetable garden for teaching and cooking purposes at the Hamilton Methodist Church in Atlantic City. In the parking lot adjoining her restaurant, Till founded the Margate Community Farmer’s Market in 2009 — another community-oriented feather of success in Till’s cap. The happening market, every Thursday morning in Margate during the summer, has become THE place to shop for fresh and organic goods. Always a crowd, shoppers fill their reusable bags with Farmer Till approved local products

The prime farmland in Egg Harbor Twp.

like fresh-cut gladiolas and juicy Jersey peaches. Till explains her buy local mission, “I feel that serving local and organic is the best thing I can do for my community. If it’s local, it’s traceable — I know where it comes from — and I want to provide quality food that not only has taste but integrity as well.” A Farm of One’s Own Although Till used locally grown outlets for her restaurant, she always had a “distant dream” to have direct access to an organic and sustainable farm. Several years ago, she traded in her garden hoe for a backhoe to be used on 80 acres of prime farmland in Egg Harbor Township — the old Reed’s Farm. Till describes her own Garden of Eden in Atlantic County, “When we were looking for a place to farm, we knew we didn’t want just any plot. Reed’s is a stunningly beautiful piece of land. You have to go and see it.” Whether grown for use at her restaurant or sold at popup markets, Till takes pride in serving “good” food — made from ingredients that she knows intimately from seed to harvesting. She wants no parts of mega-farming calling it “…a broken system where we hurt our bodies digesting it, growing it, and the earth itself. It’s a crime.” To Till, the difference in taste and texture from locally grown is nothing less than “remarkable.” She beams with pride describing the colors of the ribs and texture of the Rainbow Swiss Chard from her farm. In addition to growing organic produce year-round, chemical-free, and with the utmost respect to the earth that nurtures it, Reed’s Organic Farm serves as a sanctuary for farm animals needing a home. For example, Potbellied pigs, sisters Rosebud and Clementine, happily lounge about in their pen. Adjacent to the sisters, a menagerie of feathered and furry friends ranging from rescued Alpacas to roosters spend their days well taken care of and loved. Visitors are welcome

A little duckling at the farm

Steve & Cookies By the Bay

Extraordinary Italian Taste


to see the animals; school children come out for fun and educational excursions. It Takes a Village Falling under the umbrella of A Meaningful Purpose, the non-profit organization behind Reed's Organic Farm, Till’s dream of feeding, nurturing, and sustaining a piece of the planet, has become a reality. Board members do not accept salaries

Whether in the gardens or the market, Till sees students who never would be exposed to her culinary world develop farming, retail, and other careerbuilding skills. 3108 Pacific Ave, Atlantic City, NJ 08401 MyGirasole.com

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and 100% of donations/proceeds go towards maintaining the farm. Currently, Reed’s is going through several renovations including a kitchen where farm-produced ingredients will be prepared. In addition, a market area is under construction where the public can purchase healthy options like salads, soups, and jams prepared in the adjoining kitchen. Till also works closely with community organizations like JEVS Human Services and The Boys & Girls Club to develop a diverse workforce for the

Chaîne des Rôtisseurs farm. Whether in the gardens or the market, Till sees students who never would be exposed to her culinary world develop farming, retail, and other career-building skills. For Till, it’s like planting educational seeds for ALL people in and around her community — leveling the “field,” if you will. Like the garden, the farm continues to grow — literally, figuratively, and philosophically. The growth depends entirely on the generosity of the public. For example, several of the hothouses and garden plots were donated by individuals and businesses that share Till’s vision. She has additional plans for the future including rescuing more animals and building barns when funds become available. She jokes, with a wink, that she would be happy to give anyone a personal tour of the farm if they would like to see it… for a fee, that is. In addition to monetary donations, the farm would not exist without its devoted volunteers. Lauren Seymour, who has happily done everything from washing eggs to harvesting crops, feels the farm has filled a much-needed void in the community. She explains, “I am extremely grateful to be a part of the farm. Being able to provide work for people with special needs, and a meaningful purpose for all, I can honestly say that I have never met as many kind, loving, and dedicated people in one place, as I have at Reed’s.” n

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LIFESTYLE | Shore 2022


Financial Corner


CRA Financial, L.L.C.



ith all of the current discussion about the US Government struggling to get its fiscal house in order (Debt Ceiling, Deficits, Sequester, etc.), we thought it timely to discuss household fiscal responsibility and try to provide readers with some tips for getting their fiscal house in order. As financial planners and practicing CPA's, we interact with people from all across the financial spectrum and our experience has taught us that whether a household is in good financial condition or not has less to do with household income and more to do with household spending (Sound familiar, can you say federal government?). We see families who make more than $500,000 annually who can't borrow a nickel because they are so maxed out with debt. We also see families who make $70,000 annually who have a house, two cars, and no debt other than a mortgage. What it comes down to is simple math. You can't spend more than you make indefinitely. You can do so in the short term by borrowing to fund the difference, but at some point that option runs out. So, why do so many families find themselves in a financial mess? We believe there are three main reasons: 1) Inadequate Savings — Most families, even those in financial distress, can handle their regular monthly bills and expenses with the income they make. After all, many of the monthly expenses are based on factors we control (where you are going to live, what kind of car are you going to drive, where you are going to shop, etc.). Most families make these decisions based on their current income. However, when the car unexpectedly breaks down or the roof on the house needs to be replaced and there is no safety net available, many households will put it on a credit card and worry about it later. The average US household had $6,270 in credit card debt at the end of 2021. What is even a scarier statistic is if you take out the number of households that have no credit card debt then the average credit card debt per household balloons to almost $14,000. Since the median household income is around $70,000 that means that the average household that has credit card debt has an amount that is almost 20% of their gross income. Savings is a critical way to avoid letting these unplanned expenses ruin you. By spending less than you make, you can build up a reserve to cover you when the unexpected happens. 2) Lack of budgeting — You can't possibly have a savings plan if you don't take a hard look at what is coming in and what is going out. Invariably when we ask someone who is experiencing financial difficulties what their monthly budget is they look at you like you have three heads. Balancing any budget requires knowledge of the revenue in and the expenses out. This is the only way to have a realistic vision of your financial situation. Budgeting is free and only requires time and discipline to achieve. We usually recommend starting with the easy side first, the revenue

side. Figure out what your net pay is on a weekly or monthly basis. Next, tackle your fixed expenses: mortgage, real estate taxes, insurance, car payments, and anything else that is a fixed amount every month. Subtract your fixed expenses from your net pay and that leaves you the balance for variable expenses. Variable expenses include everything else you spend money on including but not limited to food, clothing, gas, utilities, entertainment, and miscellaneous services. We advise all clients to assign an amount under variable for savings. It doesn't have to be a lot, even $25 or $50 per week. The idea is to get used to saving consistently. If there is nothing left for savings after your variable expenses or even worse if you are negative, then you have to reduce some expenses to bring your budget in line. This brings us to our final point. 3) Understanding the Difference Between Wants and Needs — We live in an entitlement society. Many households believe they are entitled to a certain standard of living whether they can afford it or not. The same person who says they cannot save $100 a month will spend $200 per month on their teenager’s cell phones. We need to go back to the age where basic needs were food, clothing, and shelter. Basic needs do not include $175 per month for television, $75 per month for high-speed internet, and $150 per month for Smartphone service. These things are great if you can afford them but they are luxuries. If the only way you can afford these things is by charging them then you are in for financial ruin. Vacations are another big area we see households dooming themselves. Families used to save up for trips and then go. Now, many go away without $500 saved and charge $3,0004,000 on the trip and worry about it later. Newsflash, if you don't have the trip paid for before you leave, you shouldn't be going. It is easy to get yourself into a financial mess. It is much more difficult to be responsible, spend within your means and choose only those things that you can truly afford. What the past twenty-plus years of dealing with people's finances have taught us is that, in the long run, those that live within their means will be much happier than those that live extravagantly above their means because of the detrimental effects that financial stress can have on you physically as well as the health of your relationships. Money is still the leading cause of relationship failure...... and unfortunately, always will be. n Matthew Reynolds, CPA, CFP® Robert T. Martin, CFA, CFP® Jeffrey Hilliard, CFP®, CRPC®

Thomas Reynolds, CPA Gordon Shearer, Jr., CFP® Joseph McCaffrey, CFP®

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.

When Selecting Your Advisory Firm, Letters Do Matter..... and we just happen to have them all..... CFP®, CPA, CFA, CRPC

Thank you! With much gratitude to our clients, other professionals and wonderful staff – your steadfast support has allowed us to grow from 0 to over $1 billion in assets under management in 21 years. Your success is our success!

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