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newspaper September 2013

Are Long-Term

Car Loans for You? Pg. 58

Lost Your Phone? Protect your Personal Information! Pg. 68

Calendar of Events Pg. 86

new

Real Estate Section Inside! Local Real Estate News and Information.

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September 2013

Contents

Newspaper SEPTEMBER 2013

68 |

Lost Your Phone? Protect Your Personal Information For most people, their cell phone is more than just a phone. From passwords to bank accounts, it holds our most private and personal information. What if your phone is lost or stolen?

76 |

Water Bottles May Cause Premature Aging Almost everybody has heard that they should drink eight glasses of water every day to stay healthy. For many people that means drinking from a bottle. Now some experts say all of that drinking could cause premature aging.

Featured Editorial

Red Light Cameras Back In Action After all the delays, Miami commissioners voted to move forward with a plan that expands their red light camera program. Commissioner Michelle Spence-Jones, considered to be the swing vote on the issue called it the, “Good. The Bad. And the Ugly.” She concluded, “The good that comes out of this totally outweighs the bad.”

06 |

Home Safe Home… From A Smartphone Whether a person is at work, running errands or on vacation, what is going on back at their home is likely always on their mind.

14 |

REAL ESTATE SECTION Page 28

More Networkers Suffering From Social Media Regret These days it seems like everybody is using Facebook, Twitter, and Instagram to share their most intimate thoughts online.

10 |

Special Sections

The Forgotten 9th Floor: A Potential Death Sentence For The Most Critical Mentally Ill Inmates

2013

Page 45

HURRICANE SEASON Guide And Tracking Map Presented By..

A rare look into a world of inmates with mental illness where advocates say lives are at risk. CBS4’s Michele Gillen takes us back inside the Forgotten Floor.

PRINTED IN THE USA, COPYRIGHT © 2013 BY MARCO G, INC. All rights reserved. The CBS4 News Magazine, a free publication, is published monthly by MARCO G, Inc. Material in this publication must not be stored or reproduced in any form without permission from Marco G. Inc. or WFOR CBS4. Requests for permission should be directed to: info@cbs4newsmagazine.com. CBS4 and/or Marco G. Inc do not assume any liability for products and/or services claimed in advertisements herein. CBS4 and its logo (s) are protected through trademark registration. The use of logos, content and/or artwork in whole or in part is strictly prohibited. For more information please contact 305.477.1699.

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September 2013

Social

What do you want to share?

Media Regrets By Cynthia Demos

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These days it seems like everybody is using Facebook, Twitter, and Instagram to share their most intimate thoughts online. And now almost everyone has something they wish they had never shared.

ocial media has become a sort of diary, minus the lock and key, but now many people are having regrets about things that they have posted and shared with the world. “I’m going to be a senior in college this year, so employers are definitely looking to see what they can dig up,” one woman said More than a quarter of social media users between the ages of 18 and 34 have admitted to being concerned that something they posted online could affect their jobs, according to Find Law, a legal information website. An additional 1 out of 3 users said that they regret something that they posted on a social media site, 21 percent said that they have removed posts that they feared would cost them employment, and 82 percent said that they pay attention to privacy settings. “I am definitely unsearchable on Facebook,” one user said. “So I don’t think I have any tagged pictures or anything. Privacy is a concern of mine.” Despite the best efforts of some users to cover their tracks, experts told CBS4 that simply removing something doesn’t mean that it won’t be found in cyberspace. “The first thing someone does when they hire someone is go to their LinkedIn and Facebook,” headhunter Stephen Viscusi said. Pictures of family, pets, and fun are fine, but there are caveats and even good news can be perceived as a distraction. Viscusi advises against posting your relationship status and pop culture guru Adam Hanft agreed. “Because of employment laws you can’t say to somebody ‘are you married, how old are you, sexual orientation.’ These things can be found on social media,” he said. Experts also recommend removing any pictures that show too much skin or involve drinking alcohol, and suggested that users consider suspending their social media pages while looking for jobs.

“The first thing people do when they hire someone is go to their LinkedIn and Facebook”

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September 2013

Home,

Safe Home...

From Your

Smartphone! Whether you are at work, running errands or on vacation, what is going on back at your home is likely always on your mind. Security surveillance systems can cost thousands of dollars. But homeowners donâ&#x20AC;&#x2122;t have to spend the big bucks â&#x20AC;&#x201C; all it takes is a smartphone to make a safe home.

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“If you’re away on vacation for an extended period of time, someone may pick up on that fact and decide to come and pay you a visit”

ark Beach said he came home after a recent weekend away to discover that his home had been burglarized. “They took lawn equipment, they took sporting goods equipment,” said Beach. “I was just mad.” Summer in South Florida is prime burglary season. The FBI estimated that more than 2 million burglaries occur in the U.S. each year, costing homeowners an average of more than $2,000. “If you’re away on vacation for an extended period of time, someone may pick up on that fact and decide to come and pay you a visit,” said security consultant Chris McGoey. But now homeowners can monitor their house without even being there, all they need is a smartphone. “Anyone can do this now,” said CNET senior editor Bridget Carey. “Not just the rich and famous or the uber-tech savvy.” The cheapest method is a free app called “Presence.” The app lets users turn their old iPhones or iPads into home security cameras and view the live streams through their current phones, wherever they might be, for free.

corners. If one camera is not enough, Logitech Alert offers a multi-camera setup that can detect motion, record video, and even send alerts to a phone – starting at about $300. But security experts warn that to get all the full benefits of these options, a lot of work is required on the part of the resident. “You kind of have to put the burden on yourself to be able to monitor when there’s an alert for a motion detection going on, be able to grab your phone, and maybe call the police if you are concerned,” said Carey. Something else to keep in mind is that if there is a power failure, electronic systems might fail. And if the Internet is down, smartphone users might not be able to log on to monitor the video from these security options.

“If there’s motion being detected, it can send you an alert on your phone,” said Carey . There is also an app called “iCam”, it costs five dollars. It lets users remotely monitor live video and audio feeds from their home, through a phone. The download works with both Android and iPhone devices. “It taps into the webcam that you have already on your computer, and you can do multiple cameras, too,” said Carey. And that’s not all. Another way to see inside the house through using a smartphone is a device called “Drop Cam,” which is a single camera that costs $149 and features night vision, as well as the ability to pan and zoom into the

“Anyone can do this now”

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6/17/13 6/17/13 3:27 3:27 PM PM

6/17/13 3:27 PM

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September 2013

The

FORGOT TEN

9 FL OOR: TH

A Potential Death Sentence For The Most Critical Mentally Ill Inmates

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“Human beings should not be treated like this. No blankets, no beds, no mattresses’. We sleep on the floor.” By Michele Gillen

“It’s too small, it’s too tight, it’s too overcrowded and people get worse. And it shouldn’t be that way. They are sick.” That’s how Miami-Dade Judge Steve Leifman described one of the most notorious floors of a jail in America. Insiders have long called it ‘the Forgotten Floor’. It’s home to inmates suffering from mental illness.

“NOW

“Now some of the people have committed crimes, and they need to be in jail. But that isn’t what this is about. The problem is the facility is still inappropriate. The conditions are still horrific, people should not be there that are sick.” Considered one of the nation’s leading advocates for the mentally ill, Leifman never forgets the inmates of the Miami-Dade jail which sits in the shadow of the city’s glistening skyline. Three floors of the jail are now filled with men and more recently women, all suffering from mental illness and in need of treatment. They have all been arrested, some for misdemeanors, most for low level felonies. “This is about taking people who we know are going to be released, and getting them into recovery and then in a facility, where they can recover and this is not it,” said Leifman. The jail’s most controversial floor remains the 9th floor. It houses those considered most critically ill including suicide risks. They live in

their cells and are transported back and forth to court naked but for green gauze vests, called Ferguson gowns. Following seven years of requests to the Miami-Dade Department of Corrections and Miami Dade County, CBS4’s Chief Investigative Reporter Michele Gillen recently was granted access to return to the floor to document current conditions. As the judge described his recent visits to her, “Many days there are two to three people in that cell. It’s not a place for treatment. They are in there many hours a day. And so it’s still not conducive for treatment and I still think it’s shocking.” It was seven years ago that Leifman, outraged and alarmed over how the mentally ill were being treated and warehoused at the jail, invited Gillen and a CBS4 camera to document conditions at the jail.

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September 2013

DURING

During several visits at that time, inmates suffering from mental illness told Gillen, “Human beings should not be treated like this. No blankets, no beds, no mattresses’. We sleep on the floor.” On one of her visits, the faucets in the cells were not working and inmates were drinking water from the toilets. Seven years later, Gillen asked Leifman about the fact that the jail and the ‘Forgotten Floor’ is still home to inmates with severe mental illness. “It’s hard to believe it’s been seven years. I mean when Abu Ghraib came out, there was such international outrage. It was shut down in months. But here it has gone on seven more years. The problem is the facility is still inappropriate. The conditions are still horrific. People should not be there that are sick,” Leifman recently told Gillen. Today the jail remains the largest psychiatric facility in Florida, although it is not accredited to be one. “We are still using the jail to treat the mentally ill and that is inconceivable,” said Carlos Martinez, Miami-Dade’s Chief Public Defender. “I have an employee who goes there every day and every day we go without exception it’s overcrowded, every single day,” an outraged Martinez shared. “It was not built to be a psychiatric facility. It was built as a jail (a cell) for one person. And there are two and three people in there that are very psychotic. And so it is still not an appropriate place. It still needs to be changed. It needs to be shut down. And it is more than being ashamed. We don’t treat animals this way, we should not treat people this way,” Leifmen is convinced. Insiders remain haunted by the nightmare of what happened to William Weaver who jumped from a second tier steel shelf bed and broke his neck after hitting the toilet.

He became a quadriplegic. At the time his father had wondered what would it take to finally shut ‘The Forgotten Floor’ down? “Will things ever change? I don’t think so,” he told Gillen seven years ago. Now, CBS4 news has learned that Weavers paralyzed son died 4 years later, from so-called complications from that fall from the bed. Gillen ask Martinez what was learned from what happened to Weaver. “I don’t think we have learned anything. If we did, we did nothing about it,” Martinez told Gillen. “Every day that goes by and someone is sitting on that floor, they are at risk of danger or death in what goes on in that place. I don’t know how many people have died in the seven years that it has taken to bring appropriate treatment,” asked Leifman. Now CBS 4 news has learned that Miami-Dade police are investigating one more death. Joaquin Cairo was a homeless man who was arrested for allegedly throwing an object at a car. Records show that on the day of Gillen’s visit he was in a wheelchair and had reported that he had been thrown against his bed, the object of an attempted sexual assault. Court documents indicate he died days later, while still in custody, at a hospital. The CBS4 I-Team investigation into his case continues. Meanwhile, there have been some important changes since the Forgotten Floor aired. No longer are inmates with mental illness being kept there, for months at a time, as CBS4 news had discovered was the case for years.

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According to Florida law, they are not allowed to remain on the 9th floor for more than 15 days. According to Martinez, “The state of Florida, as a result of your report, went ahead and put in 50 million dollars into additional beds statewide so the way the mentally ill will not be languishing like they were here on the 9th floor after they have been found incompetent to stand trial.” Other improvements pointed out to Gillen include the fact that inmates now have a plastic mattress to sleep on, instead of directly sleeping on the steel shelves. “It took 5 and a half years to get mattresses after your report.” recalled Leifman. Escorting Gillen through the halls of the 9th floor was Captain Eddie Denison, who rose through the ranks of the jail to now be in charge. “This floor is not designed for the kind of care that these folks need. So if they could be placed in an environment that is conducive to the treatment that would be a huge help for us here and for them,” shared Denison. Conditions Leifman said the public should care about. “Most of these individuals are coming out; the vast majority of these individuals are getting out. And they are coming out worse they when they went in.” And they can pose a danger to the public and themselves he said, while misspending tax dollars he believes. “We are still spending almost 60 million dollars a year to warehouse them in that condition. And they are coming out in worse shape than when they went in.” For Martinez, something’s got to change. But making that change happen? “I feel powerless,” admits the county’s chief public defender. Leaving the inmates living in those cells, he said, “absolutely lost, lost in the system. You don’t even count.”

“Every day that goes by and someone is sitting on that floor, they are at risk of danger or death in what goes on in that place”

September 2013

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After nearly all the delays, Miami commissioners voted to move forward with a plan that expands their red light camera program.

ommissioner Michelle Spence-Jones, considered to be the swing vote on the issue called it the, “Good. The Bad. And the Ugly.” She concluded, “The good that comes out of this totally outweighs the bad.” July 1st a statewide law went into effect that demanded cities to create their own appeals process for red light camera violators. Mayoral hopeful Francis Suarez wanted to use the new law as an opportunity to eliminate the cameras entirely. “We have more cameras in the city of Miami than the next six cities in the state of Florida combined. And I think we have more cameras in the city than in the City of New York which is twenty more times larger than the city of Miami,” Suarez said. On the other side, the argument was the safety aspects the cameras have provided. The Miami Police Department provided statistics in support of the program. Eighty-eight percent of those ticketed do not re-offend, accidents were reduced by almost 11 percent when cameras were used, and two thirds of those ticketed do not live in Miami were just a few of the insights. Also at stake was a lot of money. The University of Miami, Jackson’s Trauma Unit and Miami Project to Cure Paralysis had a lot of money riding on the vote. A portion of every ticket goes to their programs. Marc Buoniconti, founder of the Miami Project said the money will fund research that will save lives or perhaps help someone walk again. “It’s about saving lives. It’s about making a difference and making people safe in our community,” Buoniconti said. The program approved Thursday will allow drivers

60 days to appeal their red light ticket. If they lose their appeal the $158 dollar ticket becomes $243. For the poor, the city will have the right to waive the $85 fee or create a payment plan. When asked if the red light cameras were here to stay Suarez responded, “I hope not.”

“It’s about saving lives. It’s about making a difference and making people safe in our community”

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September 2013

“They’re Here to stay and I think they should be increased and I want to look at every viable red light in district two to make it more walk-able, more pedestrian friendly, and more bikeable”

Commission Chairman Marc Sarnoff disagreed, “Here to stay and I think they should be increased and I want to look at every viable red light in district two to make it more walk-able, more pedestrian friendly, and more bikeable.” Sarnoff continued saying that he intends to take the cameras throughout Downtown and the Grove. “Isn’t it a self-controlled act of your own. Doesn’t that pedal work off your own brain. Doesn’t that steering wheel work with your own brain. You determine whether you go through that red light,” Sarnoff said. If you think Miami’s $243 dollar ticket appeal is steep, take a look across the road in Coral Gables. A lost appeal there will run you over $400. The changes happened pretty much immediately. Miami’s red light cameras started issuing tickets after a 25-day stoppage.

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RE AL ESTATE

Rising

Mortgage Rates

and Their Impact on

Home Affordability

y the end of 2012, the total value of the U.S. housing stock was $23.7 trillion. During the housing recession after the bubble burst in 2007, we lost roughly $7 trillion – almost a third of today’s U.S. housing stock’s value. Some metropolitan areas saw their home values drop by more than 50 percent, Las Vegas and Phoenix among them. After the housing market bottomed in the first quarter of 2012, few would have predicted we would already be talking about home values being too high or affordability being an issue. Home values have been steadily increasing and are up 5.8 percent nationally in June. Many regions on the West Coast and in the South have seen even greater increases. For example, home values in Sacramento are up 29.5 percent, in San Francisco they are up 25.5 percent, and Las Vegas has seen 29.4 percent home value appreciation from a year ago. Some of these markets, like Las Vegas, dropped so far that they have a lot of room to grow before they start looking expensive again. However, home values in the city of San Francisco are the most expensive they have ever been, surpassing their bubble peak and still appreciating. While home values are still below their peak values in most markets, there are some markets in which home values are higher than historical averages when viewed relative to income levels and

“While home values are still below their peak values in most markets, there are some markets in which home values are higher than historical averages when viewed relative to income levels and mortgage rates” mortgage rates (especially with rising mortgage rates). Relatively stagnant incomes haven’t been as much of a problem for housing due to low mortgage rates, which afford home buyers higher purchasing power than they might otherwise have. Simply put, with low mortgage rates, home buyers can afford more home. To measure this more accurately, we turn to the price-to-income ratio.

S EP T E M B E R 201 3

SOLD PROPERTIES MIAMI-DADE * listings in this section are based on properties sold in the month of july 2013 and retrieved from zillow.com. not all properties sold are listed. not responsible for typographical errors and/or omissions. photographs are for illustration purposes only.

sold

11301 SW 200th St, Apt 303A, Miami, FL 33157

8739 NW 109th Ct, Doral, FL 33178

2 Beds / 2 Bath | 840 sq. ft. Condo - Lot | Built in: 1977 Sold: 7/31/2013 | $59,000

4 Beds / 3 Bath | 2,097 sq. ft. n/a sq. ft. Lot | Built in: 2009 Sold: 7/30/2013 | $395,000

sold

2011 SE 27th Dr, Apt 102-B, Homestead, FL 33035

2655 Collins Ave, Apt 512, Miami Beach, FL 33140

2 Beds / 2 Bath | 930 sq. ft. Condo - Lot | Built in: 1990 Sold: 8/5/2013 | $74,000

2 Beds / 2 Bath | 1,645 sq. ft. Condo - Lot | Built in: 1973 Sold: 8/2/2013 | $455,000

sold

5575 W 26th Ct, Apt 202, Hialeah, FL 33016

7281 SW 142nd Ter, Palmetto Bay, FL 33158

2 Beds / 1.5 Bath | 935 sq. ft. Condo - Lot | Built in: 1990 Sold: 8/8/2013 | $90,000

4 Beds / 3 Bath | 3,154 sq. ft. 0.36 acre Lot | Built in: 1969 Sold: 7/31/2013 | $590,000

sold

20086 NW 36th Ct, Miami Gardens, FL 33056

7420 Coquina Dr, North Bay Village, FL 33141

3 Beds / 2 Bath | 1,096 sq. ft. 5,488 sq. ft. Lot | Built in: 1995 Sold: 8/2/2013 | $155,000

4 Beds / 4 Bath | 3,331 sq. ft. 8,000 sq. ft. Lot | Built in: 1961 Sold: 8/2/2013 | $787,500

sold

16518 SW 67th Ter, Miami, FL 33193

710 San Juan Dr, Coral Gables, FL 33143

3 Beds / 3 Bath | 2,322 sq. ft. 10,018 sq. ft. Lot | Built in: 2002 Sold: 8/5/2013 | $280,000

4 Beds / 3 Bath | 3,573 sq. ft. 0.33 acre Lot | Built in: 1954 Sold: 8/2/2013 | $1,050,000

sold

RE AL ESTATE

SOLD PROPERTIES BROWARD * listings in this section are based on properties sold in the month of july 2013 and retrieved from zillow.com. not all properties sold are listed. not responsible for typographical errors and/or omissions. photographs are for illustration purposes only.

sold

3871 NW 79th Ave, Coral Springs, FL 33065

4228 El Mar Dr, Apt 202, Lauderdale By The Sea, FL 33308

3 Beds / 2 Bath | 1,653 sq. ft. 2,003 sq. ft. Lot | Built in: 1976 Sold: 8/15/2013 | $185,250

2 Beds / 2 Bath | 1,170 sq. ft. Condo - Lot | Built in: 1978 Sold: 8/2/2013 | $530,000

sold

220 NW 73rd Ter, Hollywood, FL 33024

7086 Spyglass Ave, Parkland, FL 33076

4 Beds / 2 Bath | 1,720 sq. ft. 9,104 sq. ft. Lot | Built in: 1957 Sold: 8/21/2013 | $199,000

5 Beds / 4 Bath | 4,800 sq. ft. 7,128 sq. ft. Lot | Built in: 2006 Sold: 8/12/2013 | $665,000

sold

901 SW 115th Ave, Pembroke Pines, FL 33025

615 Bayshore Dr, Apt 601, Fort Lauderdale, FL 33304

3 Beds / 2 Bath | 1,987 sq. ft. 0.42 acre Lot | Built in: 1989 Sold: 8/2/2013 | $290,500

2 Beds / 3 Bath | 1,840 sq. ft. Condo - Lot | Built in: 2004 Sold: 8/12/2013 | $775,000

sold

9457 NW 11th St, Plantation, FL 33322

1850 S Ocean Dr, Apt 4003, Hallandale Beach, FL 33009

4 Beds / 2 Bath | 2,245 sq. ft. 0.33 acre Lot | Built in: 1982 Sold: 8/2/2013 | $395,000

3 Beds / 3 Bath | 1,841 sq. ft. Condo - Lot | Built in: 2005 Sold: 8/5/2013 | $840,000

sold

3240 Old Hickory Ct, Davie, FL 33328

204 SE 15th Ave, Fort Lauderdale, FL 33301

4 Beds / 2.5 Bath | 2,607 sq. ft. 9,147 sq. ft. Lot | Built in: 1991 Sold: 8/2/2013 | $480,000

3 Beds / 3.5 Bath | 3,600 sq. ft. 4,138 sq. ft. Lot | Built in: 2009 Sold: 8/5/2013 | $1,025,000

sold

S EP T E M B E R 201 3

MIAMI-DADE

l so

42 Lagorce Cir, Miami Beach, FL 33141 11 Beds / 15.5 Bath | 16,977 sq. ft. 1.63 acre Lot | Built in: 1998 Sold: 6/25/2013 | $30,000,000

l so

2555 Lake Ave, Miami Beach, FL 33140 7 Beds / 9.5 Bath | 9,146 sq. ft. 0.81 acre Lot | Built in: 1941 Sold: 7/2/2013 | $15,450,000

l so

605 Ocean Blvd, Golden Beach, FL 33160 5 Beds / 7.5 Bath | 14,079 sq. ft. 0.63 acre Lot | Built in: 2007 Sold: 7/16/2013 | $17,250,000

l so

2817 Lake Ave, Miami Beach, FL 33140 6 Beds / 9 Bath | 10,296 sq. ft. 1.04 acre Lot | Built in: 1939 Sold: 7/12/2013 | $14,750,000

l so

43 Star Island Dr, Miami Beach, FL 33139 12 Beds / 11.5 Bath | 11,104 sq. ft. 1.11 acre Lot | Built in: 1923 Sold: 6/12/2013 | $16,500,000

l so

800 S Pointe Dr, Apt 2104, Miami Beach, FL 33139 3 Beds / 4.5 Bath | 4,154 sq. ft. Condo - Lot | Built in: 2007 Sold: 7/1/2013 | $12,400,000

RE AL ESTATE

BROWARD

l so

512 Seven Isles Dr, Fort Lauderdale, FL 33301

520 Intracoastal Dr, Fort Lauderdale, FL 33304

628 Coral Way, Fort Lauderdale, FL 33301

8 Beds / 11 Bath | 13,264 sq. ft. 0.62 acre Lot | Built in: 1996 Sold: 8/14/2013 | $7,400,000

6 Beds / 11 Bath | 10,242 sq. ft. 1.25 acre Lot | Built in: 1956 Sold: 8/9/2013 | $5,750,000

6 Beds / 7 Bath | 8,661 sq. ft. 0.36 acre Lot | Built in: 2004 Sold: 8/1/2013 | $5,500,000

l so

509 Seven Isles Dr, Fort Lauderdale, FL 33301

6625 NW 122nd Ave, Parkland, FL 33076

2617 Delmar Pl, Fort Lauderdale, FL 33301

5 Beds / 6 Bath | 6,164 sq. ft. 0.45 acre Lot | Built in: 1996 Sold: 8/14/2013 | $4,500,000

7 Beds / 6.5 Bath | 7,900 sq. ft. 0.39 acre Lot | Built in: 2007 Sold: 8/6/2013 | $2,300,000

4 Beds / 4 Bath | 2,574 sq. ft. 0.26 acre Lot | Built in: 1944 Sold: 8/12/2013 | $1,995,000

The ratio compares the median price of homes to the median level of household income in a given area. Specifically, we used the metro-level Zillow Home Value Index, which is a measure of home values for a given metro, together with that metro’s median household income. Median household income is currently available through 2011. For years following 2011, we calculated the median household income by estimating it via the Bureau of Labor Statistics’ wage growth rates. During the housing boom, the United States’ priceto-income ratio had increased to a high of 4.0 from a historical average (measured from the first quarter of 1985 to the fourth quarter of 1999) of 2.6. After the market peaked in May 2007, home values fell and so did the price-to-income ratio. Interestingly, the ratio never returned to the historical average and in recent quarters has actually started to increase once again as home values have been appreciating at higher than historically normal rates

Calculating affordability To get a more accurate look at the relationship between purchasing power and home values, we turn to affordability. As mentioned, mortgage rates play a key role in this. With mortgage rates well below 4 percent for roughly the last two years, consumers had an incredible purchasing power boost, as home affordability was at an all-time high.

“While income levels are not expected to grow significantly beyond their normal rate in the next years, mortgage rates will continue increasing as the Federal Reserve decreases its quantitative easing efforts”

RE AL ESTATE

To calculate an affordability index, we first calculate the mortgage payment for the median house price in a metropolitan area by using the metrolevel Zillow Home Value Index for a given quarter and the 30-year fixed mortgage rate during that time period, which is provided by the Freddie Mac Primary Mortgage Market Survey (based on a 20 percent down payment). Then we consider what portion of the monthly median household income goes toward this monthly mortgage payment. This is our affordability measure. In the nation as a whole, for example, this share ranges from 13 to 27 percent, meaning at its lowest and most affordable point – the current 2013 Q1 observation – the mortgage payment for a median house in the U.S. makes up 13 percent of the monthly median household income. In the second quarter of 2006 – at the height of the housing bubble – a monthly mortgage payment made up 24 percent of median household income. Individual metros such as Miami or San Jose have a much wider spread between the lowest and highest values. Low mortgage rates have allowed home shoppers to afford more home for their buck. This greater affordability has in turn also helped to increase home values.

Rising rates could affect home values While income levels are not expected to grow significantly beyond their normal rate in the next years, mortgage rates will continue increasing as the Federal Reserve decreases its quantitative easing efforts. Currently mortgage rates for a 30-year fixed are close to 4.5 percent. With increasing mortgage rates, buying power decreases and affordability levels will move closer to their historical averages. In turn, the price-to-income relationship will once again be too high as home values are no longer sustained by demand fueled by low mortgage rates. Home values will have to either remain

stagnant, while incomes catch up, or – the more likely scenario – home values will decrease. This will especially be the case in those markets that have seen strong home value appreciation. Consider a market like San Francisco, where homeowners have historically spent 38 percent of their monthly income on a mortgage. In the first quarter of this year they spent 32 percent, however if home values continue to increase over the next year (we assume the rate specified by our 2013 Q1 Zillow Home Value Forecast) and mortgage rates increase to 5 percent, home buyers in San Francisco will spend 42 percent of their monthly income on housing by the end of the first quarter 2014. If rates go to 6 percent, they will spend 47 percent of their monthly income on housing. Across all markets, at mortgage rates of 5 percent, 30 metros covered in our analysis of 250 metros and the United States as a whole will be less affordable than they have been historically. At 6 percent, 67 metros will be less affordable than they had been. Finally, at 7 percent 143 of the 250 metros will be less affordable. We continue to believe that current home value appreciation is not sustainable in many markets because it is driven by inventory shortages and, more importantly, still low mortgage rates. In the future, we expect that these markets will experience stagnant or depreciating home values and a price-to-income ratio that is more in line with its historical average.

Article By Zillow.com

September 2013

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“A worn out tire would stop at about 379 feet, which can mean the difference between life and death.”

Every day, millions of drivers unknowingly put themselves and others at risk when they get behind the wheel of a car. The problem is balding tires which is a risk you might not think about. But new technology can make sure you know when it’s time for worn tires to be changed.

Like many people, Petya Papazova never gave the tires on her car a second thought. “The truth is I never changed the tires for four years,” she said. But that all changed when she nearly slammed into the back of a van. “There was probably about a distance of 50 uh, feet, um, and I just could not stop the car,” Papazova said. Her mechanic found her tires were so worn down, they couldn’t grip the road. “There was no rule or an indicator to tell me that they were due for a change,” she said. In actuality, all tires in the U.S. are required to have something called a “tread wear indicator,” which tells car owners when a tire needs to be replaced. But Papazova is hardly the only driver unaware of the indicator. “About two-thirds of the people don’t even know that those are in there,” said Nick Hodel of Tire Performance Indicators. That is leading to an increase in accidents, according to experts. “We did a study that found about 13 percent of vehicles on the road had at least one bald tire,” said Dan Zielinski of the Rubber Manufacturers Association. But now, new technology is being developed to make it really clear when it is time for a change. First, there are tires made of special rubber that changes color when

they are worn down. “When your tire wears out, you see this vibrant color — red or orange, or some other color,” Zielinski said. There is also a new indicator stud that will send you a signal when a tire is going bald.

“Green, you’re good. When you see yellow, it’s caution; it’s time to think about starting to replace those tires. And if you see red, you should be replacing the tires,” Hodel said. But one of the best ways to test a tire tread is with a penny. Insert the edge of the penny into the tire tread, and if the top of President Abraham Lincoln’s head is covered by the tread, that means you still have an acceptable amount of tread. “A new tire will stop at 70 mph in about 190 feet,” Hodel said. “A worn out tire would stop at about 379 feet, which can mean the difference between life and death.” Mechanics recommend having your tires checked and rotated ever y 7,000 miles or so to help prevent the threading from wearing unevenly.

“13% of vehicles on the road had at least one bald tire”

2013 CBS4 Hurricane Guide Special Section

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September 2013



Pros & Cons Of

Long-Term Car Loans Should you take on a longer term loan in order to lower your monthly payments?

Even as the economy improves, there are plenty of people who are struggling to make ends meet. For them, buying a new car means taking on a longer term loan in order to lower their monthly payments.

his is the case for Veronica Viveros, who is shopping for a new car but will soon have new demands on her monthly budget. “I am expecting and we do have a lot of bills and finances. So, I’m looking at about $300 to about $350 a month. That would help out so much,” said Viveros. If she’s in the market for a $23,000 car loan, and wants to keep her payments to $350 a month, she will have to look at a 72-month loan.

That means her new baby will be 6 years old and going into first grade by the time she pays that car off. “The consumer that’s opting for a $25,000 new car loan can save around $200 per month by opting for a 72-month loan as opposed to a 48-month loan,” said Alec Gutierrez, senior market analyst of automotive insights for Kelley Blue Book. A $350 a month car payment can be enticing for many people, but it also could be very risky.

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“The longer you extend your term, the longer it’s going to take you to get out of a negative-equity position,” said Gutierrez. “So those that take a longer term find themselves at greater risk of being under water for a longer period of time.” And that doesn’t take into account what could happen over all those years. A car accident or a blown engine can devalue the car, putting consumers with long-term loans into a bigger financial bind. That said, more and more people are sticking with the same set of wheels further down the road. “The trend in the last 10 years is people have kept their cars longer. The cars have been built better,” said Steve Foresta, general manager at O’Hare Auto Group. And experts point out not all long-term loans are bad. “A general rule of thumb is that consumers should try and keep their monthly payments within 20 percent of their gross income,” said Gutierrez. “So, if that means you have to opt for a five- or six-year loan as opposed to three- or four-year loan that generally makes sense.” But most experts do not recommend 96-month loans, which are also now available.

Whatever you decide to do, figure out what you can comfortably afford to pay for a new car before you go to the dealer. Remember, a longer loan means you’ll be paying more in interest over the life of the loan. And loans that go 72 months and beyond will have higher interest rates, too. So shop around over the Internet before you hit the car dealer.

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September 2013

Volunteer Tutor Helps Deaf Student

Make The Grade

Non-profits across South Florida are taking advantage of Neighbors 4 Neighbors’ HelpingFeelsGood.org to connect with skilled volunteers to help those they serve.

“It’s

just such a good program to match volunteers within the community to our clients, because there’s such a need amongst our clients,” said Janick Hickman, a caseworker from the Center for Hearing and Communication. For organizations like the Center for Hearing and Communication, filling those needs can be a challenge. “We are the only full service agency serving the deaf and hard of hearing population in Broward County, everything from case management to after school programs, therapy and audiology.” explained Hickman. That translates to many services and many clients - but limited resources. That’s why Hickman and her team registered the Center at HelpingFeelsGood.org. “It’s really nice to be able to partner up again with Neighbors 4 Neighbors and be able to find these volunteers. The site gives them access to volunteers like Joshua Jamieson, a veteran and subsitiute school teacher who caught a public services announcement for HelpingFeelsGood.org while watching CBS4 News one morning. “The name caught my eye. I decided to go log in and signed up, and about 2 hours later i got a call from the hearing impaired center and they asked me to be a match for Khalil,” explained Jamieson. Khalil Smith is a dedicated high school student who receives services from the Center for Hearing and Communication. He was looking for

a tutor to help him prepare for the F-CAT exam. “He helps me a lot, he helps me improving some homophones, synonyms, or any of those types of things.” said Khalil. For a deaf student like Khalil, homophones are especially difficult, but in just weeks, Khalil’s parents say they saw a difference. “With Josh working with him from the N4N program, we’ve seen where he is more attentive,” said Khalil’s dad, Ewart Smith, adding, “Josh he was able to break it down, he would understand, go slower for him, and I’ve seen positive changes.” Khalil wasn’t the only one experiencing a positive change. Josh reached out and shared his excitement about his experience tutoring Khalil on the Neighbors 4 Neighbors facebook page. “I was able to go on and thank Neighbors 4 Neighbors, the name says it all helping does feel good!” exclaimed Jamieson.

To register as a volunteer or non-profit organization visit HelpingFeelsGood.org. For inquiries and additional information call Neighbors 4 Neighbors at 305-597-4404.

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September 2013

CAN YOUR

MEAT CAUSE

CANCER? Learn To Cut Carcinogens Out Of Your Grilling.

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“The American Institute of Cancer Research shows using a marinade can reduce carcinogens by as much as 92 to 99 percent”

It’s the familiar sizzle that comes with warm weather. The sun is out, barbecues are in full swing. But it’s what’s hiding inside that meat you’ve cooked that can hurt your health in the long run.

Dr.

Jim Felton has spent years researching how and why meats that you cook can potentially cause cancer. Felton and his team of researchers at the U.C. Davis Cancer Center looked at meat as a muscle. Whether it’s beef, pork, chicken, you name it, cooking at certain temperatures can cause a chemical reaction inside the muscle that promotes carcinogens. “These reactions take a while to get going and they need a certain temperature over 300 to 350 degrees,” Felton said. Felton and his team tried to figure out how to prevent that internal heating from happening, and they found their answer in something many grillers already use: marinade. “The actual concept here is by coating the meat with a marinade, you’re cooling it off,” Felton said. The marinade acts as an insulator. It cooks faster on the outside, allowing the meat to heat throughout without reaching the 300-350

mark. The American Institute of Cancer Research shows using a marinade can reduce carcinogens by as much as 92 to 99 percent. But the appearance of the meat can be deceiving. When we showed two different pictures of a piece of chicken to visitors at a park, they all picked the un-marinated piece since it looked darker. But Felton says all that black is no big deal. “It’s actually the fat dripping down on your charcoal briquettes of your grill that comes back onto meat to coat it and make it black,” he said. “In the chicken we didn’t marinate that looked pale, but it was well-done, it had more carcinogens because the marinade wasn’t protecting it.” But it’s not just marinating your meat—there are other ways to protect yourself too. Felton says you can pre-cook your meats in a microwave. Just a few minutes in a microwave will cause the meat to release a liquid, and those liquids are chemicals that are precursors to carcinogens. Or you can be a nervous cooker. Flipping your meat often has been shown to help. “Each time you turn it, it cools off and the meat doesn’t have a chance to reach internal temperatures needed for this reaction to take place,” Felton said. But even after all of his research, Felton says unless you’re eating overcooked meats at every meal, you shouldn’t shy away from grilling up your favorite foods. “These are lifetime accumulated exposures people get that give them cancer, so having a bite of the well-done meat once a month isn’t giving them cancer,” he said. “It’s the person who really likes their meat and continues to cook it at high temperatures that’s exposed to carcinogens.”

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September 2013

LOST

YOUR

PHONE?

Protect Your Personal Information For most people, their cell phone is more than just a phone. From passwords to bank accounts, it holds our most private and personal information. What if your phone is lost or stolen?

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“Phones are kind of the wallet of the 21st century, they have all that important information”

It’s

a growing problem you may not even realize, until it’s too late. Blame the features on your cell phone – features like speed dial. “How many times do you take out your phone and use the dial, the key pad, almost never, you go to your contact list, you hit a name, that’s it?” said technology expert Lance Ulanoff with mashable.com. The lack of knowledge is turning into trouble for more and more people. If a phone is lost or stolen there’s a bigger worry than a lost phone and numbers. There’s also personal information from bank accounts to passwords that are being stored in today’s phones. “Phones are kind of the wallet of the 21st century, they have all that important information,” Ulanoff added. You can protect yourself. Experts say just like you do with a laptop, back-up data on your cell phone. The cost is minimal and there are many options. You may also want to download an app that can help track your phone should it go missing. “And as always, we tell people put a pin code on your phone, so if someone else does find it, they can’t access all your important information,” said Ulanoff. Perhaps your best line of defense is an old fashioned address book. “Maybe a little black book with 10 key phone numbers is not a bad idea,” added Ulanoff.

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September 2013

Doctors Help

One out of every nine babies in the U.S. is born prematurely which could to lead to health complications including serious vision problems.

ut a team of doctors from the Bascom Palmer Eye Institute and the Holtz Children’s Hospital are helping ‘preemies’ from going blind. “We came on an emergency flight in January from Ecuador. My wife needed to deliver as an emergency with a C-section,” said Peter Julius. Twins Oliver and Derek were born early, very early, at 24 weeks with a fairly common disease their new parents had never heard of. It’s called ROP or Retinopathy of Prematurity. So how serious was it? Vessels inside the retina of the eye are not fully developed.

“Jackson Memorial Hospital’s Neonatal Intensive Care Unit sees over a thousand premature babies a year and approximately 90% develop some form of ROP”

Left untreated, the retina gets detached and causes blindness. “The retina is like the film of the camera. So you need the retina in order for the brain to see the image that you are looking at,” said Dr. Nina Berrocal. Berrocal, an ophthalmologist at Bascom Palmer and part of a special ROP team at Holtz Children’s Hospital, screens premature babies for ROP. “Timely screening is essential in this disease and it’s very aggressive when you see it,” said Berrocal. “You have to treat it within 72 hours.”

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“Timely screening is essential in this disease”

From going

Blind

“Jackson Memorial Hospital’s Neonatal Intensive Care Unit sees over a thousand premature babies a year and approximately 90% develop some form of ROP.”

“One of the babies (Derek) they reviewed once a week,” said Julius, “The other one (Oliver) got injected in the eye.” Jackson Memorial Hospital’s Neonatal Intensive Care Unit sees over a thousand premature babies a year and approximately 90% develop some form of ROP. Oliver and Derek were discharged from the NICU after five months but they’ll be back. Follow up is important for parents to remember. “Right when the babies are getting better, the ROP starts and then I have to come in and tell parents who have survived really weeks of hell, tell them we have a glitch here, we have now a disease inside the eyes that can lead to blindness.”

“Right when the babies are getting better, the ROP starts and then I have to come in and tell parents who have survived really weeks of hell, tell them we have a glitch here, we have now a disease inside the eyes that can lead to blindness.”

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September 2013

Water Bottles May Cause

Premature Aging Almost everybody has heard that they should drink eight glasses of water every day to stay healthy. For many people that means drinking from a bottle. Now some experts say all of that drinking could cause premature aging.

usanne Rennie drinks plenty of water but never listened to her mother’s warnings. “She used to say all the time, ‘Stop drinking out of that bottle. You’re going to have lines around your mouth.’ Well, here I am,” she said. Rennie recently paid a visit to cosmetic dermatologist Dr. Mitchell Chasin to ease some of those water bottle lines. “We tell our patients keep on drinking; it’s great for your body; it’s great for your health; it’s great for your skin. Unfortunately, over time it either causes these lines or it aggravates them,” Dr. Chasin explained. Rennie said the lines became visible every time she drank from a water bottle. “The repetitive motions of things that we do in everyday life, drinking from water bottles,

“Some patients have decided to undergo cosmetic procedures to reverse the effects of drinking from sports bottles”

will form these deep wrinkles in our lips,” said Chasin. Some patients have decided to undergo cosmetic procedures to reverse the effects of drinking from sports bottles. “I love it. I love it. It’s such a difference,” Joyce Neubeck said. Procedures to correct the damage are painless and include Botox and laser technology but experts said that the simplest solution is to avoid bottles. “Or even that old thing we used to drink out of. I think it’s called a cup, that’s really the best thing for our lips,” Dr. Chasin said.

“A cup is really the best thing for our lips"

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September 2013

Thousands Of Violators Are Getting Their Trip On The Tracks For Free By Vanessa Borge Is There Anything Being Done About It?

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“Fifty dollars is a pretty steep price to pay to ride a train. I think people will want to avoid that by properly purchasing a ticket”

he sounds of South Florida’s Tri-Rail includes clicking wheels, churning engines and blaring horns. But getting lost in all that noise is the money that apparently isn’t collected each day from riders who don’t purchase a ticket. Thousands of violators each year are getting their trip on the tracks for free and it does have an effect on everyone else. Tri-Rail officials estimate 40,000 people rode the Tri-Rail tracks without paying a dime in 2012. During a recent ride, a producer and photographer from our sister station WPEC CBS12 in West Palm Beach hopped on the Tri-Rail during a normal afternoon to see which one would have their ticket checked and which one wouldn’t. During the two hour train ride, neither had their tickets checked. A passenger named Rick doesn’t believe in free rides on the rails. He’s a regular rider with a pass that allows him to get on and off when he needs to. Rick said he sees other people get a lift on the train without paying and he said those free riders need to be checked by the guards who walk the aisles but that the checking process is sporadic at best. Tired of waiting for her ticket to be checked, the WPEC producer approached a guard asked him if they check tickets or not. “It’s random,” he replied and then directed additional questions to Tri-Rail officials. Steven Abrams, who is the Mayor of Palm Beach County, said plans are in the works to make improvements. “We are in fact redoubling our efforts to check passengers,” said Abrams. Abrams confirmed 30,000 warnings were given out in 2012 to Tri-Rail passengers who did not have a ticket to ride, so that means tax payers are footing the bill so others can ride free. “We don’t want to have people riding the system for free and we try and prevent that,” explained Abrams. Abrams added that roughly 520 citations were handed out to riders sneaking on-board last year. At $50.00 a pop, Abrams hopes that sets the tone for any other travelers looking to cruise without putting up the cash. “Fifty dollars is a pretty steep price to pay to ride a train. I think

people will want to avoid that by properly purchasing a ticket,” he said. Tri-Rail officials said many of the violators that they have come across are people who rarely use the public transportation system. They say on average, regular riders do have their ticket or have their pass ready before hopping on board.

“We don’t want to have people riding the system for free”

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September 2013

Credit Card Rewards:

Are They Worth It? It’s another sign the economy is improving: credit card incentives are on the rise. Some of the new deals sound good, but it is important to check the fine print.

tarting a jewelry business and then getting sick was a financial strain for Cheryl Laughlin. Keeping up with her expenses became a challenge. “I really needed a way to pay them with a credit card and kind of float them for a while, until I could get regular work or business,” said Laughlin. Cheryl’s solution was a card that allowed her to pay late, or even miss a payment, without a penalty. Citibank has unveiled its Simplicity card which has those features. The Discover It card is another card that works this way. Both cards say it’s OK to let things slide. It’s not what one expects to hear from a credit

card company, but it was music to Cheryl’s ears. “Since I was using that card to start up all the research and development, I didn’t have to worry, oops, it’s been sitting there for a week too long.” Edgar Dworsky of www.consumerworld.org in Somerville says these cards do have some consequences to consider. For example, they have the potential to bring down a credit score. These days almost every card has some form of reward points, but you give all those up with the Simplicity card. The Discover It card only allows you to miss a payment and not incur a late fee once. Dworsky said a good customer could get

By Josh Benson

these same benefits, without giving anything up, just by making a call. “You can certainly negotiate with customer service, ‘I’ve been with the card for 10 years, 20 years whatever, I’ve never been late before, there were some circumstances that came up.’ They will waive it.” Cheryl has been happy with her card so far, and feels it was just what she needed for her situation. “You just don’t want to be sitting around waiting to start your business, so when it showed up, it was perfect timing.

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September 2013

CALENDAR OF EVENTS Free Concert: Soprano, Hila Plitmann

International Aroid Society Plant Show and Sale Fairchild Tropical Botanic Garden 10901 Old Cutler Road September 21 - 22, 2013 from 9:30 a.m. to 4:30 p.m. Admission: Free for Fairchild Members and children 5 and under. Non-members: $25 for adults; $17 for seniors 65 and up and $12 for children 6-17. Eco-discount: If you walk, ride your bike or take public transportation to Fairchild, receive $5 off admission for adults and $2 off admission for children. Members remember to bring your Rewards Card to earn your gift passes. Military Discount: Active Military Personnel – Free Admission. Admission for spouses is $20 and children $10. Please present Military ID’s.

Riverwalk Sunday Arts StartedJanuary 27, 2013 11am-2pm along the new river and at esplanade park, Fort Lauderdale, FL - 954-468-1541 Admission: free Vendors will demonstrate their crafts and products including performances, dance, drawing, photography, scultping and others. Come and support your local arts and entertainment and enjoy a beautiful day on the New River.

Festival Miami UM’s Gusman Concert Hall October 6, 2013 at 4 pm Coral Gables residents are treated to a free concert. Get tickets to Grammy Award-winning Soprano Hila Plitmann’s Labyrinth of Love performance. Approximately 300 tickets are being made available to residents per the City’s Development Agreement with the University of Miami. Hila will join director of bands Gary Green and the Frost Wind Ensemble for a concert of epic proportions beginning with Michael Daugherty’s Labyrinth of Love. Inspired by poems and prose by eight women spanning 2000 years (including actress Elizabeth Taylor), the texts and musical landscape are full of desire, longing, ecstasy, irony, tenderness, despair, hope, sadness and humor. Tickets are available at Youth Center, 405 University Drive.

Festival Miami University of Miami Gusman Concert Hall October 1 – November 1, 2013 Festival Miami celebrates its 30th anniversary season with unique programming by a diverse blend of award-winning artists in a variety of genres who showcase their artistic prowess alongside astounding students and faculty artists from the Frost School of Music. Tickets start at $15 and several free concerts are also offered. For tickets and the full Festival Miami 2013 schedule, visit www.festivalmiami.com, or call 305-284-4940.

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Flight Of The Butterflies 3D February 08, 2013 - September 30, 2013 museum of discovery & science & autonation imax 401 SW 2 St, Fort Lauderdale, FL 33312 954-713-0930 It’s a natural history epic. It’s a compelling detective story. It’s a scientific adventure at its best. It took Dr. Fred Urquhart almost 40 years to discover the monarch butterflies’ secret hideaway and prove the most incredible migration on Earth. Following the year-long annual migration cycle of the butterflies, the award-winning production team filmed hundreds of millions of monarchs in their remote wintering sanctuaries in Mexico in 2011 and again in 2012 and also along their migratory routes from Canada, across the U.S. and into Mexico. The IMAX 3D technology immerses you in the astounding migration experience as two generations of the butterflies migrate north and then a Super Generation miraculously finds its way from Canada to a few isolated mountaintops in Mexico - to a place it has never been!

Divers Direct Grand Opening September 14, 2013 Join us for our Grand Opening Celebration on Saturday September 14, 2013 beginning at 9:00 a.m. We will have Free giveaways for the first 100 customers visiting our newest store located at 425 South Dixie Highway in Coral Gables. Beginning at 1:00, join us for a pig roast and paella. Be sure to drop by throughout the day to enter our raffle for free Scuba Gear, attend seminars and much more. Our store is open Monday – Saturday from 9am – 9pm and Sundays from 10am – 6pm. Call 305-661-3300 or visit diversdirect.com for more information about our products & services.

Miami Spice Through September 30th Miami Spice 2013 is back with its mouth-watering. Downtown Coral Gables is a Miami Spice hot spot with 19 restaurants participating. Top local restaurants will offer three-course meals for special prices: lunch for $19 or $23, and dinner for $33 or $39, featuring signature dishes created by world-renowned chefs. For a listing of participating restaurants, visit www.ILoveMiamiSpice.com.

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September 2013

Best

Outdoor

Wedding Venues

In Miami

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September 2013

South Florida and weddings go hand in hand. With our beautiful weather, many brides and grooms choose to tie the knot outdoors while others enjoy the luxury of an indoor site. But whether indoor or out, South Florida has some terrific wedding venues for every style.

The Zen House

Venetian Pool

Coral Gables, FL 33134 (305) 662-4742 - www.bestmiamiweddings.com

Coral Gables, FL 33134 (305) 460-5306 coralgablesvenetianpool.com

Available exclusively to clients of Fetes & Events, The Zen House is a beautiful, one-acre mansion situated in the heart of South Miami. It features an eclectic mix of contemporary architecture fused with Zen design making it a prime location for brides of South Florida. It has a gorgeous aquamarine pools that creates a romantic presence. Events of up to 125 guests can be accommodated in this lush and elegant natural setting.

The worldâ&#x20AC;&#x2122;s most beautiful swimming hole is also a gorgeous setting for a South Florida wedding. Transformed from a coral rock quarry in 1923, Venetian Pool is 820,000 gallons and features coral cave and grottos, and two waterfalls. The historic treasure also includes a palmfringed island, beach, and a cobblestone bridge.

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Fastrack Charters

Koubek Mansion and Gardens

(305) 223-3488 - www.koubekmansion.com

Miami, FL 33135 (305) 284-6001 - www.koubekmansion.com

Dream weddings do come true in South Florida where water loving brides and grooms can charter a yacht to a private island or beach for a romantic and intimate wedding ceremony. Miami Yacht Charters customizes wedding cruises with options and vessels that serve Miami, Miami Beach, Key Biscayne, Fisher Island, Coconut Grove, Aventura, Fort Lauderdale, Boca Raton, West Palm and the Palm Beaches.

Located in the heart of Miami in Little Havana near the famed Calle Ocho (Eighth Street), the University of Miami’s Koubek Mansion and Gardens is a historic site, which has been home to numerous weddings and cultural events. The mansion’s old world charm and architectural details makes it a beautiful location for a Miami wedding.

Vizcaya Museum and Gardens

Fairchild Tropical Botanic Garden

Miami, FL 33129 (305) 250-9133 - www.vizcayamuseum.org

Coral Gables, FL 33156 - (305) 667-1651 - www.fairchildgarden.org

This public museum and national landmark can be rented out for your wedding during the daytime or the evening. It’s lush gardens, courtyards and terraces provide a beautiful and unique location for a truly unforgettable ceremony. Daytime garden ceremonies are available but they cannot be private because Vizcaya is a public museum. However, during evening hours, guests do have private access to the gardens, courtyards and terraces.

Internationally renowned for its collection of palms, cycads and other tropical plants, the lush landscape and beautiful natural setting of the Fairchild Tropical Botanic Garden makes a perfect location for a wedding. Coral rock staircases, garden waterfalls and beautiful architecture all add to the ambience. Fairchild offers an economical daytime only ceremony which take place in the Overlook area. It also offers an evening ceremony on the grounds followed by a reception. The Garden House seats 250 guests in air conditioning and the loggia and lawn areas can be used for cocktails. The Visitor Center Ballroom seats 150 guests.

cbs4 newspaper September 2013

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