CBS4 Newspaper by CBS4 News Magazine & Newspaper

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Publication About CBS4 PRint publications

The CBS4 Newspaper is the only news publication distributed within every Publix Supermarket. The CBS4 Newspaper is dedicated to providing professional, relevant and award-winning news. Our editorial focuses on local business and community news which includes health, sports, real estate, automotive and entertainment news. REAL. LOCAL. NEWS. DELIVERED! Editorial team NEWS DIRECTOR Liz Roldan lroldan@cbs.com ASSISTANT NEWS DIRECTOR Nick Bourne nbourne@cbs.com Managing Editor Alissa Merlo amerlo@cbs.com Executive producer Miguel Fernandez mfernandez@wfor.cbs.com Jorge Gonzalez jgonzalez1@cbs.com Alex Hernandez ahernandez@wfor.cbs.com ANCHORS Cynthia Demos cdemos@cbs.com Rick Folbaum rfolbaum@cbs.com Walter Makaula wmakaula@cbs.com Eliott Rodriguez erodriguez@cbs.com Marybel Rodriguez marybel.rodriguez@wfor.cbs. com Irika Sargent isargent@cbs.com Rudabeh Shahbazi rshahbazi@cbs.com

WEATHER NEWS John Gerard jgerard@cbs.com Lissette Gonzalez lgonzalez@wfor.cbs.com Craig Setzer csetzer@wfor.cbs.com Michael Smith msmith@cbs.com REPORTERS Carey Codd cdcodd@wfor.cbs.com Peter D’Oench peter.doench@cbs.com Gaby Fleischman gfleischman@cbs.com Joan Murray jmurray@wfor.cbs.com Gary Nelson gnelson@wfor.cbs.com Lauren Pastrana lpastrana@cbs.com Ted Scouten tscouten@cbs.com Natalia Zea nzea@cbs.com

LIFESTYLE / ENTERTAINMENT REPORTER Lisa Petrillo lpetrillo@wfor.cbs.com executive producer, special projects & investigations Cari Hernandez chernandez@cbs.com CBS4 INVESTIGATES Jim DeFede jdefede@wfor.cbs.com Michele Gillen mgillen@cbs.com Jasmine Kripalani jkripalani@cbs.com David Sutta dsutta@cbs.com SPORTS Jim Berry jberry@wfor.cbs.com Mike Cugno mcugno@cbs.com Leo Gomez gomezl@wfor.cbs.com TRAFFIC Vanessa Borge vborge@cbs.com WEB JOURNALISTS Lisa Cilli lcilli@wfor.cbs.com David Dwork ddwork@cbs.com John MacLauchlan jmaclauchlan@cbs.com Giovanna Maselli gmaselli1@cbs.com magazine production general information Victoria Zayas Director of Client Relations victoria@cbs4newsmagazine.com 786-565-4556 ADVERTISING sales Tony Gambirazio Director of Sales tonyg@cbs4newsmagazine.com 786-565-4506 Creative Tammy Kukic Art Director tammy@cbs4newsmagazine.com Newsroom direct number 305-639-4500 Website Please visit www.cbsmiami.com for more information

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c b s 4 n e w s pa p e r | May-June 2016

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Contents May-June 2016

FEATURE

pg.06

06 Need Help To Launch Your Business? 08 Modifying the Body 10 Surviving the 2016 Hurricane Season Health

pg.14

14 Campus Food Co-Ops 18 Self Eye Exam real estate

pg.20

20 How Record-Breaking Home Values Impact Potential Home Buyers 24 5 Things You Didnâ&#x20AC;&#x2122;t Know About Home Renovations Home

pg.28

28 Bird Feeder Buying Guide 44 Mirror Frame life

pg.58

58 Cruising Cuba 63 Coworking Spaces More Offices Opting For Communal Work Spaces

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64 Tour Filming Locations Auto

pg.66

68 Does Your Credit Score Affect Your Car Insurance Rate?

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need help to launch your business? Donâ&#x20AC;&#x2122;t Get Scammed By Online Home Business Coaches

c b s 4 n e w s pa p e r | May-June 2016

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wning your business is a dream worth chasing. But are you chasing it wisely? Can you tell the real opportunities from phony ones? You’ve probably noticed scrolling down social media feeds that there are dozens of coaches offering to help you launch your own online home-based business. They advertise with phrases like: “Live the life you dream of.” “Do less work less, make more money.” “From 0 to $1 million.” This type of marketing language is meant to appeal to your desire for financial and location freedom. It’s a dream a mother of three had been chasing for some time. Shun Jackson of Dallas, Texas said, “After becoming a mom, and then a single mom through divorce, it’s so hard to manage my home life for my kids, basically to be there for them.” Desperate to balance work and motherhood, Jackson paid $1,000 for a program with a coach to help her launch and build her own six-figure business. “She was saying things like multiple six figures. I just said, ‘Okay, she is a single mom, I’m a single mom, so I accepted her offer to coach me,” Jackson said. But, in a short time, Jackson realized her coach was nothing like the image she had portrayed online. “I automatically trusted her. She was already working with a friend of mine,” Jackson said. “It was a Dr. Jekyll and Mr. Hyde situation from what I seen from her online. Once you became a client of hers it was totally different.” Jackson confronted the coach and asked for her money back. With the help of an attorney, Jackson discovered, behind the internet veil, the woman who promised to teach her and dozens of others how to build a six-figure business never earned more than $45,000 a year. She said she felt like the coach misrepresented herself. Brand strategist Lizz Smoak said it’s

not always easy to tell who’s real and who is not and suggests being forward. “The question clearly needs to be: When Mr. or Ms. Coach did you hit your six-figure mark?” While there are many legitimate coaches, Smoak said there are also those who prey on your emotion using marketing tactics that seem legit and appeal to your mindset. “This tactic you’re going to see is this new six-figure business. They’re not necessarily saying that they were successful in launching a six-figure business or a milliondollar business. They are using the terminology loosely so you follow the pied piper.” With the online coaching and teaching industry reaching the billion-dollar mark, the Federal Trade Commission, the nation’s consumer protection agency, has been cracking down on such businesses making empty promises. In 2014, the FTC charged and reached a nearly $3-million settlement with The Online Entrepreneur, an online work at home business that promised consumers a sixfigure income. On average, the FTC receives 20,000 similar complaints a year. Jackson said the experience she had with the coach was very depressing, but she admits she didn’t ask for a contract and did not do enough homework before hiring this coach. She also admits to not knowing her rights in the online space. The FTC says you as a consumer have the right to ask for additional information and sellers are required by law to provide you with a disclosure document that must include, identifying information, any legal action against them, their cancellation or refund policy, earnings claims statement and references. To learn more about your rights as a consumer log on to www.ftc.gov.

c b s 4 n e w s pa p e r | May-June 2016

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biohacking:

For Everyday Conveniences c b s 4 n e w s pa p e r | May-June 2016

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e live in a digital world filled with computers, cell phones even fitness trackers. People now use technology for everyday conveniences by learning how to “hack life.” But how far would you go to make life easier? Krissy Heishman is implanted with a tiny, low frequency microchip. The process is called bio hacking. It’s the size of a grain of rice implanted between her right index finger and her thumb. Why would someone do this? Convenience for one. Heishman said it was to end the hassle of carrying a security badge at work. “So I’d be swiping this thing every time I went in and a lot of times I’m carrying this stuff and it was really inconvenient,” says Heishman. So, with just a wave of her now bionic hand, Heishman’s identity is scanned and verified. Carlos Maldanado is chipped as well, but his implant is different. It communicates with his cell phone, and other gadgets, by simply touching them. “I’m a tech nerd. I want it to unlock my electronics,” he said. He can use it to keep his car locked too. With wireless technology shrinking, microchipping is becoming more mainstream. But getting implanted isn’t happening in a doctor’s office or at a hospital. This “experience” is offered to body modification clients at tattoo and piercing shops – just like one in Coconut Grove. “I think it’s the future, microchip implants, and it’s the simplest thing to do,” Noel Garcia said. Garcia is among very few people in the country performing this procedure. How is it legal to do something like this at a piercing shop? “It really is no different than getting a flu shot,” Garcia said. “It’s really a basic body piercing technique.” He said he’s done about a dozen in the past couple of years. Anyone can buy the implants and the syringe at DangerousThings.com. It’s use at your own risk, but the founder of DangerousThings.com, Amal Graffstra, suggests being implanted by a doctor or a licensed body piercer. “Most of our customers know what they’re doing and they understand the risk,” Graffstra said. Graffstra runs the Seattle based company. He said business is booming. “Our devices are non-medical in nature. They’re used for all kinds of identity applications. Access control, getting in your house, logging in your computer, that kind of thing so it doesn’t fall under the requirement of the FDA to be approved,” he said. It’s the reason why people like Garcia can do this legally with no questions asked. “This microchip is personal. I really don’t ask if you have a special Ferrari that you need to open the door with or do you have secret doors. We really don’t ask,” Garcia said.

c b s 4 n e w s pa p e r | May-June 2016

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Surviving the 2016 Hurricane Season

Craig Setzer, CBS4 Chief Meterologist csetzer@wfor.cbs.com

his year marks 11-years since a major storm struck South Florida. Itâ&#x20AC;&#x2122;s an anniversary that is good news for our community but even more reason to make sure you and your family is prepared this hurricane season. We want to help you survive the season but to do that we have to first take you back to 2005. The year 2005, was a record year of hurricane activity and South Florida was not spared. We had a total of 28 named storms. Six of them were major hurricanes. Two storms that year, Katrina and Wilma had a direct impact on this community. Just one month into the season, the first week

of July we were already on our fourth named storm â&#x20AC;&#x201C; Dennis. It became a category four hurricane as it approached Cuba. In the end, Dennis just passed to our west. In mid-September, a tropical wave grew into Katrina as it headed toward South Florida. Katrina came ashore here as a hurricane, passing right over the National Hurricane Center where the wind went calm inside the eye. Six people died in South Florida

c b s 4 n e w s pa p e r | May-June 2016

and flooding was a big problem, especially in South Miami-Dade. And the storms just kept coming, Rita passed just south of the Florida Keys and became another category five storm in the Gulf of Mexico. Then in October of 2005, Wilma hit the Caribbean as a category five with the lowest air pressure recorded in the Atlantic Ocean. Wilma crawled toward the Yucatan Peninsula before coming our way. It crossed South Florida in just four hours but because of the large wind field, significant storm surge was felt from Naples through the Keys. The winds increased and the back side of the storm was stronger than the front. Wind gusts above 100 miles an hour damaged and ripped off roofs, blew down trees and caused power outages over much of South Florida. It was days for some, weeks for others

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before the lights came back on. Now fast forward to 2016. And so far, no major storms have hit land in South Florida in more than a decade. It’s officially 11 years since Wilma, and that’s where the biggest risk lies. People have become very complacent. Experts worry that since we haven’t had a storm in so many years people will not adequately prepare and then there is an entire part of the population that has never experienced a strong storm. That includes young people who have grown up here in South Florida and the hundreds of thousands who have migrated to this community. In the meantime, weather experts remain committed to their work. One of the key questions that meteorologists have been trying to figure out is what causes hurricanes to intensify rapidly. Now doctors and researchers are doing just that at the University of Miami’s Rosenstiel School. At this facility, located on Key Biscayne, researchers hope to better understand some of the fundamentals of heat that help power a hurricane and the friction that slows them down right at the surface. At the school they have what’s called the Sustain Tank, which stands for Surge Structure Atmospheric Interaction Laboratory. This tank is said to be the largest of its kind in the world. It helps researchers study what happens at the air sea interface in extreme winds for hurricane intensity forecasting. As you can imagine it can be very hard to measure hurricane conditions near the ocean surface, so researchers have brought hurricane conditions inside their lab. Doctor Haus explains it as “We can generate waves by blowing wind over the water and we have 1700 horse power fan that can generate winds to a category five strength in the facility.” He also says they have a 12 element wave maker that creates waves that the wind then pushes against it. “When we measure the drag of the ocean and the heat transfer of the ocean right at the sea interface, we can put that into mathematical models that are then used by the hurricane forecasters to understand intensity. So it’s a matter of improving these formulations that go into the models.” According to Dr. Haus. The doctor goes on to explain that wave tanks will not only help us better understand storm surge but what it also means for South Florida. He claims there are two key ways we can help people living in South Florida. One is more long-term which involves developing better

designs for buildings and communities to incorporate rising sea levels. He also emphasizes that since we continue to be vulnerable to tropical systems we need to do the best job of engineering and planning that we can. The second way is related to hurricane intensity forecasting. If we can provide a better idea of how quickly a storm is going to intensify or not then that will allow us to refine evacuation. While this research continues on the ground, there’s an entirely other team that is ready and waiting. We are talking about the Hurricane Hunters. “They all have a little

just access through satellite. They actually need Hurricane Hunters like Gibson to physically go and obtain it from the eye of the storm. The first Hurricane Hunters began flying back in the 1940s. There are now ten such aircrafts which fly directly into the core of tropical cyclones. And while weather experts study, research and prepare for the next big one, there is one important message they want to get across to the community but struggle with getting people to understand and that’s the impact of storm surge.

“So the killer in hurricanes is storm surge, not wind. Wind is only killing a small percent of people. Storm surge is the hazard that is killing people and we want the public to be aware” different personality you know. Some will knock your back teeth out and some are like a roller coaster or a ride like Disney’s Tower of Terror.” That is how Lt. Col. Keith Gibson, Director of Operations for the Hurricane Hunters describes flying through storms. “I think probably one of the biggest things as a pilot as we’re flying one of these huge storms is the surreal nature of it. You know it can be pretty rough in the storm as we’re penetrating the eye, going through the different quadrants.” Gibson said. One of the primary missions of the Hurricane Hunter aircraft is to not only fly through the storm and sample the environment, but to see what’s going on all the way down to the ocean and to accomplish they use what is called a GPS Dropsonde. Typically, the device is dropped out of the plane, a parachute attached to it deploys and it floats all the way down to the surface. “They get it out of the airplane using a tube and when it’s ready to go the meteorologist yells, ‘drop it.” Gibson says what’s actually happening is that they are actually recording these storms so they can go back through training and look at how they penetrated the storm. They usually don’t fly around the most severe weather they actually try to go through it. That real time data the National Hurricane Center wants and needs to broadcast to millions of people is not something they can

c b s 4 n e w s pa p e r | May-June 2016

Storm surge, according to Jamie Rhome, storm surge specialist at the National Hurricane Center, in its simplest form is just the rise of sea-level that comes from the strong winds of a hurricane, so the strong winds are simply pushing the ocean on land. Rhome says it’s easy for people to visualize what strong winds can do because they see the wind blow every day, they see thunderstorms but what the average person doesn’t see is sea level rise 10 feet, 20 feet and see it move inland 20 miles. To simplify the message, storm surge will now be measured in feet above ground level. So imagine someone who is 5 feet 9 inches tall. If the storm surge is at 6 feet then that person would be underwater. “So the killer in hurricanes is storm surge, not wind. Wind is only killing a small percent of people. Storm surge is the hazard that is killing people and we want the public to be aware,” according to Rhome. Part of simplifying that message will be a graphical display of who would be under a storm surge watch or warning if it were issued. Right now, a prototype graphic illustrating storm surge is in the experimental phase. “It will convey critical information such as the area most likely to receive life-threatening flooding,” according to Rhome. You can count on that message being front and center this hurricane season.

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THE STARS WILL BE SINGING THIS JUNE Karaoke fans! Come join us for the event of the summer at the Hard Rock Cafe in Hollywood on June 17 at 7pm. It’s the 2nd Annual Singing with the Stars to benefit Neighbors 4 Neighbors. We are thrilled to announce for the 2nd year in a row our host will be the very talented Cynthia Demos. Bid to sing with your favorite stars along with a live band! Can’t join us live? No problem, go online and vote for Rock Star of the Night! Your donation will be included with the ones raised on the night of the event—it’s a win-win! When you support Neighbors 4 Neighbors, you’re helping kids go back to school with the tools they need, as well as distribute gently worn Halloween costumes to kids in need, provide gifts, food and friendship to families in need over the holidays, and assist families, teens and veterans in finding a home. We appreciate each and every one of your contributions. For more information on Singing with the Stars, and to be the first find what fabulous stars will be lighting up the stage, please log on to at http://neighbors4neighbors.org/stars. See you there!

CALLING ALL NON-PROFITS, VOLUNTEERS ARE JUST A CLICK AWAY Calling all South Florida nonprofits. Neighbors 4 Neighbors has hundreds of skilled and talented volunteers that want to help you and those you serve. They are musicians, teachers, gardeners, yoga instructors, web designers, handymen and women, and the list goes on and on. These are people willing to lend their talents to help your organization. We know, often there is not enough funding to provide all the services you need, so sign up your nonprofit today and we will train you to use our volunteer matching website www.helpingfeelsgood.org. Training is virtual, and quick. You’ll be on your way to getting high quality, volunteers for almost anything you can think of. Contact Katy at 305-597-4404 or via email at katy@neighbors4neighbors.org to get started.

SPELLING OUT THE ABC’s Of SAFE SLEEP Neighbors 4 Neighbors along with our partners at the Children’s Services Council of Broward county and Healthy Mothers Healthy Babies want you to know, when putting a baby to sleep it is important to follow the ABCs of safe sleep. Babies should be alone, on their backs and in an empty crib. When we skip any of these steps, like letting them sleep in bed with us or with their favorite stuffed animal, we put our babies at risk. And on average, nearly one baby dies every other week in our community due to these unsafe sleep practices. Protect your baby by following the ABCs of safe sleep. Learn more at www.neighbors4neighbors.org/Safe-Sleep Neighbors 4 Neighbors is generously supported by the Herbert Hoover Foundation and The Children’s Services Council of Broward County.

c b s 4 n e w s pa p e r | May-June 2016

h e a lt h

Campus

co-ops Students

Form To Eat

Healthy We’re seeing more and more co-ops pop up on campuses. One of the reasons is that students want to have more control over their food options and what they’re putting into their bodies.” Kathleen Grad

c b s 4 n e w s pa p e r | May-June 2016

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ating at college brings to mind dining halls, endless desserts and, of course, the ‘freshman 15’. But now, more college students are forming, and joining, food co-operatives on campus for access to fresh, healthy food at affordable prices. Lauren Troop was determined to eat healthy when she got to campus, but found finding fresh, affordable, nutritious food was a challenge. “The options that were available weren’t very extensive for people who don’t eat meat, or are gluten free or have some kind of dietary restriction,” said Troop. So when she heard that some students were starting a dining coop with support from the school, she was on board. “As I got involved I started to become really passionate about the co-operative model,” said Troop. Owned by the employees and volunteers, the Rad Dish Cafe serves up fresh, locally sourced, organic, vegetarian and vegan options for students, and members make all decisions about its operation. “We’re seeing more and more co-ops pop up on campuses. One of the reasons is that students want to have more control over their food options and what they’re putting into their bodies,” said Temple University Director of Sustainability Kathleen Grady. Grady advises students involved with the cafe. She points out that co-ops on campus take different forms, like bakeries, dining clubs or co-ops where students pool resources to get bulk rates on fresh produce. Students say being involved in a co-op helps them make healthy choices. “I’ve learned a lot about preparing healthy meals, vegetarian meals, seasonally available meals,” said Taylor Stack The benefits go beyond nutrition, Grady notes that co-ops are great teaching tools. “They’re getting hands on experience that they would never get in a classroom, and they’re being challenged to think about things that would never come up in books,” said Grady. “After becoming a part of the co-op I realized that I love running my own business and I switched my major to entrepreneurship,” said Stack. Grady said one of the challenges of co-ops on campus is continuity. Since students graduate, it’s important to have a transition plan and a new crop of students to take over running the co-op.

c b s 4 n e w s pa p e r | May-June 2016

h e a lt h

Study: Sleeping With Pets Could Have Positive Health Benefits By Lauren Pastrana lpastrana@cbs.com

Sharing your sheets with your dog or cat may be a good thing, a new study suggests. Some experts say you may still want to consider alternate arrangements. Dayle Fragin has a soft spot for dogs. Not just in her heart, but also on her bed. “You can see it’s their house,” she said as she welcomed CBS4’s Lauren Pastrana to her North

Miami Beach home. “It’s their home. They’re second chance dogs. I feel they need to feel comfort for the rest of their life.” Dayle, a full-time volunteer at the Humane Society of Great Miami, shares her bed with six dogs— schnauzers Muffin, Onyx, Minnie, Fred, and Heidi, and a mix named Carly. “One moves, the other comes in, I never know who’s on top of me, next to me. We rotate. On the bed, on top of the bed. Wherever we fit,” she said. Dayle’s not alone. CBS4 viewers sent us dozens of photos of their pets snuggled up under the covers. “I just adore them. They show you so much love, companionship, friendship, anything in the world anyone could ask for,” Dayle said. Sleep experts have long thought that pets in the bedroom are disruptive to a person’s sleep, but a recent Mayo Clinic survey found 41 percent of patients who share their beds with their animals find it beneficial. Some say it helps them relax and gives a sense of security. But 20 percent of respondents admitted their pets interrupted their sleep. “Currently, the pets are not allowed in the bedroom. We have dogs and cats. They aren’t allowed back where the bedrooms are,” said Dr. Sarah Evans. Dr. Evans with Miami Veterinary Services says sleeping with Sparky could have negative health effects. “Allergies for one,” she said. “Then you get in to the fleas, and the ticks and the bugs and bacteria that are on dogs. They’re dirty.”

c b s 4 n e w s pa p e r | May-June 2016

Dr. Evans says if your pets do sleep on your bed, you should be sure to wash your sheets frequently. Dayle says she washes hers multiple times a week. As a board certified surgeon, Dr. Evans also encourages you to take precautions to make sure your pets don’t get hurt. “The jumping on and off of the bed is really bad for the neck, the spine, the elbows, the shoulders,” Dr. Evans said. “A ramp for them to get on and off the bed I think is great. And having some times throughout the day or night where the bed is restricted. So it’s not free. So they know there are some boundaries.” Certified trainer and animal behavior consultant Rose Lesniak says you do have to be careful. “My grandmother rolled over and killed her Chihuahua in bed,” she said. But that experience doesn’t mean she thinks dogs shouldn’t sleep in bed with their owners. “I think whatever people want their dogs to do, they should do. I don’t believe it ruins the dog to have the dogs in bed. The whole notion comes out that long ago people did not even connect with their animals, they were working animals,” Lesniak said. For Dayle, her dogs are her babies, and they’re not going anywhere anytime soon. When asked what she would do if she was told her dogs could no longer sleep on the bed, she said “I have to sleep on the floor with them.” Dr. Evans says it’s perfectly fine for pets to sleep on the floor, and she says pet beds are a great option if you think your furry friend will feel more comfortable.

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AHA: Heart Attack Causes, Symptoms Are Different In Women

woman’s heart attack may have different causes and symptoms and some risk factors can be even more dangerous, according to a new, first-ever statement from the American Heart Association. Three years ago, Marsha Goodbaum felt nauseous and had stomach pains. She finally headed to the hospital hours later. “I had no idea I was having a heart attack. I really expected shoulder pain or heavy chest pain,” said Goodbaum. A new scientific statement from the American Heart Association says there can be some key differences between men and women when it comes to heart attack symptoms. “It may not feel like they expect it to feel but there is usually discomfort somewhere in the chest area, and/or in the neck, the jaw, the back, the upper stomach. It can be in either arm or shoulder,” said Dr. Harmony Reynolds with the NYU Langone

Medical Center. This is the first time the association has put out a statement on heart attacks in women, which highlights that women often have different causes of heart attack such as the type of plaque buildup. Some risk factors can also be more harmful. “Diabetes can be twice as strong a risk factor. High blood pressure is a stronger risk factor,” said Dr. Reynolds. One year later , Goodbaum had the same symptoms and another heart attack. This time she didn’t wait. “I tell my friends if they have stomach pain, or slight nausea don’t hesitate. I hesitated. I’m glad I’m alive after that,” said Goodbaum. She continues to manage her high cholesterol and high blood pressure with medication, diet and exercise. The report also says that black and Hispanic women have more risk factors such as diabetes and obesity at the time of their heart attacks.

c b s 4 n e w s pa p e r | May-June 2016

h e a lt h

s el f e y e e x a m n e w e y e

a t - h o m e

TESTS

o p t OMET R I ST

HA v e s e e i n g

c b s 4 n e w s pa p e r | May-June 2016

s o m e r e d

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ew technology which allows do-it-yourself eye exams at home using a laptop and a smart phone has some eye care professionals seeing red. Chukwuma Nwaomah has worn glasses and contacts since he was in the third grade. Yearly appointments to the eye doctor started to become tiring. So, he decided to try something new: an online eye exam he can take at home. “I was a little hesitant at first. But once I got the hang of it – just breezed right through it,” he said. A day later, he had his new prescription in hand. “It saved me some time as far as getting to the eye doctor,” Nwaomah added. He’s not alone. Aaron Dallek, CEO and co-founder of Opternative – one of several online eye exam companies – says they’ve had tens of thou-

sands of people to date sign up to take an at-home exam. “All you need is a computer and a smart phone. It takes 20-25 minutes and you need 10-12 feet of space,” said Dallek. The online eye exam, which is a vision test using letters and shapes, is similar to what you might find in an eye doctor’s office. Once finished, the results are sent to an ophthalmologist in your state who evaluates them and writes you a prescription you can use anywhere. “It’s much more convenient and less expensive than going to the eye doctor,” said Dallek. But is it enough? Dr. Stephen Loomis, president of the American Optometric As-

sociation doesn’t think so. “I just don’t understand how just looking at those numbers that come back from an automated system can really tell the doctor what he or she needs to know regarding what that patient’s prescription ought to be. Much less understanding what the patient’s general health or eye situation is,” said Loomis. He worries that some people will be misled into thinking they’ve had a complete exam, when in reality the vision is only a small part of what eye doctors look for. “I examine the cornea, the tear film, all the components of the external portion of the eye,” he added. Dallek insists their system was never designed to replace traditional eye exams, only supplement them. The Opternative eye exam is only for people between the ages of 18 and 40. It costs $40 for either glasses or contacts; $60 for both. They do not accept vision insurance at this time.

When was the last time you had your hearing checked? Hearing loss affects 37 million Americans. It ranks as the 3rd most common medical condition in the U.S. and can be detrimental to everyday communication and your social life. The Following Warning Signs May Indicate a Hearing Loss: • People seem to mumble frequently • During a conversation you cannot understand words • You have to ask people to repeat themselves frequently Recapture the sounds you have been missing. Ric Cox and his experienced team will provide you with the compassion and personalized care you deserve. Affordable Hearing Aids offers testing and all of the latest hearing aids, plus ear and aid cleaning. We offer something for every budget.

AFFORDABLE HEARING AIDS Walk-Ins Welcome

Ric Cox, HAS, BC-HIS, Owner

954-457-0001

2500 E. Hallandale Beach Blvd - A • Hallandale Beach, FL 33009 (Arcade-A - Inside lobby on ground floor)

c b s 4 n e w s pa p e r | May-June 2016

r e a l e s tat e

How Record-Breaking Home Values Impact Potential Home Buyers

c b s 4 n e w s pa p e r | May-June 2016

C o n t e n t p r o v i d e d b y z i l l o w. c o m

More than a quarter of U.S. housing markets recently became more valuable than ever before, a sign full recovery is near.

BY LAUREN BRAUN Recent record-breaking home values in 26 percent of the country’s housing markets are both a sign of recovery and another barrier for home buyers as they head out into this season’s competitive housing market. San Francisco and San Jose shattered their median home-value records months ago. But more recently, markets in the South and even the Midwest and Northeast have also surpassed bubble peaks and clocked some of the highest median home values on record for their markets. Nearly half of all housing markets that recently reached new peaks were in the South, led by hot markets in Texas and Tennessee. Low inventory drives up prices Across the country, the number of homes listed for sale is much lower than it was a year ago, which means buyers’ options are limited. Even if a buyer has a down payment, finding a house can be incredibly difficult. In Portland, OR, inventory is down 28 percent, while home values are at an all-time high, up 13 percent. Limited inventory means increased competition for those homes that are available, spurring bidding wars and pricing out entry-level buyers. For first-time buyers, rising home prices and high monthly rental payments are making it difficult to save for a down payment to compete with trade-up or all-cash buyers. Are we in another housing bubble? The record-breaking home values have some experts worried about a new housing bubble, particularly in hot markets like San Francisco, Seattle, San Diego and Los Angeles. San Francisco and San Jose have been appreciating at a double-digit pace for several months, and Denver has been appreciating at this pace since the end of 2013. Many view this as an unsustainable pace of appreciation. The job market is hot in tech hubs like San Francisco and Seattle. With increased competition for homes in these markets, low inventory and high home prices start to have a real impact on renters looking to enter the housing market. Returning to normal The good news about rising home values is that fewer homeowners owe more on their mortgage than their homes are worth. When those homeowners are no longer underwater, they can sell their homes, raising inventory. More homes on the market means more options for home buyers. It also means we are that much closer to a “normal” housing market, where home values reach new records each month. “These new records mean we’re no longer making up ground lost during the housing recession,” said Zillow Chief Economist Svenja Gudell. “Instead, we’re laying a new path forward, based on demand for housing and economic growth throughout the economy. In some ways, the housing market has seen a return to normalcy, and these markets are well on their way. In an ideal world, they’ll set a new record home value every month as their home values rise at a normal pace. The fact that some markets are still off by double digits just highlights how extraordinarily inflated home values had been during the housing bubble.”

c b s 4 n e w s pa p e r | May-June 2016

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Recently Sold Broward County

1036 Hollywood Blvd, Hollywood, FL 33019 SINGLE FAMILY | Built in: 1957 Sold: 4/12/2016 for

$550,000

Size (sq. ft.)

beds

baths

2,270 3 2.5

ovely home in a spectacular location recently updated. Home features split floor plan 3 bed, 2.5 bath, 1 car garage. Newer eat in kitchen & appliances, Formal dining room, family room, restored terrazzo floors. Master bedroom on west side. Impact windows. Large covered patio, fenced in backyard, room for a pool. Walking distance to beautiful Hollywood Beach, minutes from downtown Hollywood shops, 15 minute drive to Ft Lauderdale Hollywood Airport, a pleasure to show this home.

2732 NE 28th St, Fort Lauderdale, FL 33306 SINGLE FAMILY | Built in: 1956 Sold: 4/22/2016 for

$676,075

Size (sq. ft.)

beds

2,398 3

baths

oral Ridge is an upscale neighborhood in East Fort Lauderdale, Florida. Coral Ridge homes are located on the West side of the IntracoastalWay. The area features a mixture of waterfront and dry lot homes, as well as the popular Coral Ridge Country Club and Yacht Club. Coral Ridge homes are conveniently located within walking distance to parks, casual restaurants and shopping. The Fort Lauderdale Beach, Downtown Fort Lauderdale, fine dining, golf courses top-rated schools and more are only minutes away.

c b s 4 n e w s pa p e r | May-June 2016

C o n t e n t p r o v i d e d b y z i l l o w. c o m

Recently Sold Broward County

2471 Eagle Run Dr, Weston, FL 33327 SINGLE FAMILY | Built in: 2000 Sold: 4/7/2016 for

$830,000

Size (sq. ft.)

beds

baths

3,597 5 3.5

esort style living home located in Weston Hills Golf Country Club, Prestigious gated community home boasts 5 bedrooms, additional den used as music or media room which could be another bedroom if armoire added, 3 full bathrooms, 1 half bathroom, beautiful marble floors throughout social areas & bathrooms, kitchen has beautiful granite countertops, wood 42â&#x20AC;? cabinets, desk area in kitchen, center island has wine rack &additional storage, wet bar adjacent to living room.

3 Saranac Rd, Sea Ranch Lakes, FL 33308 SINGLE FAMILY | Built in: 1972 Sold: 4/11/2016 for

Size (sq. ft.)

beds

$3,450,000 10,936 6

baths

alm Beach-inspired jewel is a paragon of Neoclassical elegance. Over 120â&#x20AC;&#x2122; of shoreline with extensive dockage & captivating waterway views. A pool & domed gazebo highlight the grand multi-level outdoor entertainment area. A hand-carved oak staircase dominates the 2-story marble foyer flowing into the intricately embellished salon with parquet floor & fireplace. The banquet-sized dining room connects through a butlers pantry to the well-equipped kitchen. Master suite offers panoramic Intracoastal views features a sitting room, dressing room, 2 walk-in closets & 2 separate baths. The private 3rd floor retreat with recreation room, bedroom, & bath could function as staff quarters.

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c b s 4 n e w s pa p e r | May-June 2016

C o n t e n t p r o v i d e d b y z i l l o w. c o m

5 Things You Didn’t Know About

Home Renovations Ready to remodel? Add these facts to your toolkit first.

ome renovations are so shiny and attractive on the surface that it’s hard to imagine the ways they can go terribly wrong. But before you can enjoy the finished result, you’re likely to hit a few bumps in the road. Here are five things you may not know about home renovations. They just might help you make decisions that keep you from regretting your DIY efforts. You may need a permit (and getting one will take time and effort) Every town has its own rules, but most major work (such as taking down walls, installing fences, updating plumbing and electrical systems, and cutting in new doors and windows) will require a permit. With certain permits come the evenmore-exciting inspections process. If you’re DIYing, it can take quite a bit of research to figure out exactly what permits you need and how to go about getting them. Hiring a contractor can take some of the sting out of the process. Depending on your town, the rules may still require the homeowner, not the contractor, to obtain the permit, but a pro will be more familiar with the system and can help steer you in the right direction. Improvements may not pay off Most homeowners think they are instantly adding to their home’s resale value by upgrading and remodeling. But out-pricing the market with fancy interiors is going to

by NATALIE WISE

cost when they try to sell their home. For better chances of recouping your costs, stick with the going range of the neighborhood. Certain home improvements are almost guaranteed to bring a good return-on-investment when selling a home. These include updating bathrooms and kitchens, which are always important to buyers. You might also consider finishing the basement and adding a bathroom. Neutral finishes and standard appliances are your best bet for resale value. Hiring a professional may be cheaper When it comes to number-crunching, a professional might actually come out cheaper in the long run. Make sure to do your homework and get a few quotes before committing to doing it yourself. Don’t forget to include the intangibles: your own time, energy, interest, and skill levels, as well as how long you can live in a work zone. If you do it yourself, you may be getting into costs you didn’t anticipate, such as equipment rentals, bribing friends to help, and needing to take time off work. Any home improvement project — DIY or professional — is likely to go over-budget, so either way, factor in at least 10-percent overages. Good contractors book months out No one ever tells you this when you’re strolling down the aisles of the latest bath-

c b s 4 n e w s pa p e r | May-June 2016

room fixtures, dreaming of relaxing in your new spa tub by the end of the month. Sure, some contractors are available right away. But that means they aren’t booking jobs. Good contractors will be booked months out, so be sure to schedule accordingly. Aside from being well-booked, how can you tell a contractor is a “good” one? Be sure to get recommendations from friends and family. Ask potential contractors for a list of past clients and current projects, and inspect the work they’ve had done, if possible. Of course, make sure the contractor is licensed, bonded and insured by asking for proof. Finally, don’t forget to ask about subcontractors and who they work with, and research those names as well. Reusing materials may cost more Trying to be conservative with materials can be a pricey proposition. Many home owners ask contractors to try to be stingy with materials, but this will end up costing much more in time. It’s usually less expensive to cut into a new 2×4 than to pay the contractor the extra time it will take to reuse one. The same goes for repurposing old or salvaged materials. They require extra TLC, and your contractor and team are a well-oiled machine. So if you’re hoping to repurpose old, salvaged, or extra materials for the job, be sure to lay out these expectations ahead of time — and be aware of the extra cost.

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C o n t e n t p r o v i d e d b y z i l l o w. c o m

More than 820,000 U.S. Homeowners

Owe Twice Their Home’s Value

While rising home values have released many homeowners from negative equity, some may never recover enough to sell or refinance.

BY EMILY HEFFTER cross the country, more than 820,000 homeowners owe the bank twice what their homes are worth. Rising home values have freed about 10 million homeowners from negative equity in the past four years, leaving six million homeowners — about 13 percent of everyone with a mortgage — underwater by some amount at the end of 2015. But rising home values haven’t been enough for many homeowners who are so far underwater they may never resurface. The national negative equity rate fell 0.3 percentage points in the fourth quarter, continuing its steady decline, according to the fourth quarter Zillow Negative Equity Report.

Some markets have virtually no negative equity, including the San Jose metro, where 2.8 percent of homeowners owe more than their mortgage, and Denver, where 5.5 percent were underwater. But one in five homeowners in Chicago and Las Vegas is upside down. “Even though the number of underwater homeowners has fallen significantly since the peak of the housing crisis, negative equity persists in many markets, as it fell at its slowest pace in a year,” said Zillow Chief Economist Svenja Gudell. “Things are moving in the right direction, but some owners are still deeply underwater. As we move into the home shopping season, inventory is already low, and negative equity is keeping potential additional stock from becoming available.”

c b s 4 n e w s pa p e r | May-June 2016

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The type of feeder you choose and the feed you provide determines the type of birds that are attracted. c b s 4 n e w s pa p e r | May-June 2016

Buying Guide

Content provided by lowes.com

Bird Feeding Basics

Birds require only three things to encourage them to return to your location: fresh water to drink and to bathe, plenty of cover to nest and to hide and a variety of quality food to eat. • Any feeder you buy should be easy to fill, empty and clean. • Plastic feeders should be reinforced with metal around the feeding ports to discourage squirrels. Perches should be metal or a replaceable dowel. • Wooden parts of feeders should be made of weather-resistant cedar or be stained or painted to protect against moisture. • Add a convenient water source, like a birdbath or a water feature, to your landscape to attract a larger number and variety of birds. • Nest boxes or birdhouses will encourage birds to stay and raise their families near your home. In addition, birds require protection from their natural enemies, so feeding areas should be out of the reach of cats and other predators. Caution: Approximately 1 billion birds die from flying into windows each year. Reduce the risk of bird collisions by placing the feeder less than 3 feet from a window or more than 30 feet away. Mobiles, opaque decorations and fruit tree netting outside windows also helps to deflect birds from the glass.

Selecting Bird Feeders

Choose the kind of feeder that will accommodate the specific types of birds you want to attract or birds native to your area. Choosing more than one feeder will help attract more species and avoid feeder congestion. Ground or Platform Feeders: These are screen-bottomed trays sit close to the ground. They prevent the seeds and bird droppings from touching one another. You can also purchase ground feeders that have wire mesh to prevent rodents and large birds from stealing food. In order to prevent predators from getting the birds, ground feeders should be placed in open areas that are at least 10 feet from shrubs or trees. If you or your neighbors have cats that are outside, do not use this type of feeder. Birds That Love Them: Cardinals, doves, goldfinches, juncos, sparrows, and towhees Hopper Feeders: Hopper feeders can hold several pounds of mixed seed dry and ready for hungry birds. They just hop on the feeder

trigger to release the seeds. Hang hopper feeders from a tree branch or use a pole about 5 feet off the ground. Birds That Love Them: cardinals, chickadees, goldfinches, grackles, jays, nuthatches, purple and house finches, redwinged blackbirds, siskins and titmice Hummingbird Feeders: Mount hummingbird feeders in the shade to help prevent the food from spoiling and within 3 feet of a window for best viewing. The birds will quickly get comfortable enough to feed and be watched up close. Keeping a feeder near your house also reduces injuries to birds caused by flying into the reflective window since they can’t build up enough speed to hurt themselves. Nyjer® Feeders: These feeders are specially designed to distribute nyjer (thistle) seed. They have tiny holes that make the seed available only to small-beaked birds. Place it on a 5-foot pole or hang it from a tree. To protect your feeder from squirrels, use a baffle. Birds That Love Them: goldfinches, pine siskins, redpolls Suet Feeders: You can purchase a special feeder or you can hang suet chunks in a mesh onion bag. Feeders can be hung from poles near other feeders or from trees. Some people make their own suet puddings by taking a large pine cone and stuffing a mixture of ground suet and seeds in the crevices. Birds That Love Them: Chickadees, nuthatches, titmice and woodpeckers really like it. Creepers, warblers and wrens occasionally peck at it. Squirrel Feeders: If you’re having issues with the squirrels eating all your bird food, consider a squirrel feeder. Stock them with blends that are especially attractive to squirrels and chipmunks. It can reduce competition for high-priced foods offered at bird feeders. Locate squirrel feeders far from bird feeders to further reduce temptation. Sunflower and Seed-Tube Feeders: If you’re only going to hang one bird feeder, this is the one to purchase. Position it near a window so you can enjoy your guests. The feeder should be at least five feet off the ground. Reduce the risk of a bird colliding into the window by placing the feeder less than 3 feet from a window or more than 30 feet away. Select one that has metal ports around the seed dispensers to protect the feeder from unwanted visitors.

c b s 4 n e w s pa p e r | May-June 2016

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VNV Glass & Mirror

ACCREDITED BUSINESS

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Family Owned And Operated • Commercial & Residential

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Birds That Love Them: chickadees, goldfinches, house finches, nuthatches, siskins, purple finches and titmice Good to Know: Make sure the selected feeder is maintained year-round, especially in harsh winter climates that make natural food sources hard to find. Birds typically burn more calories in winter to stay warm. For example, chickadees have to eat 20 times more in winter than in summer. Good to Know: To prevent squirrels from eating all the birds’ food, place your feeder on a pole in an open area. Pole-mounted feeders should be about 5 feet off the ground and protected by a cone-shaped baffle (at least 17 inches in diameter) or similar obstacle below the feeder. Locate pole-mounted feeders at least 10 feet from the nearest shrub, tree or other tall structure. If all of this doesn’t work, consider purchasing a squirrel feeder.

Selecting Bird Food

The benefits of bird feeding are two-fold. It provides a welcome supplement to a bird’s diet and offers hours of great bird watching for you. Bird food comes in several forms: nectar, seed and suet. What types of birds are you hoping to attract? This will affect the type of food you select. Cracked Corn: Ground-feeding birds like the medium-cracked corn, but beware. The kernel tends to soak up moisture so it’s prone to rot. Use a watertight hopper feeder or mix small amounts with millet on feeding tables. Small-beaked birds can’t consume coarse-cracked corn because it’s too large. Fine-cracked corn quickly turns to mush so its best to avoid altogether. Birds That Love It: crows, doves, jays, juncos, pheasants, quail, sparrows, and towhees. Millet: Red millet is widely popular. But white millet is the food of choice for most small-beaked ground-feeding birds. Birds That Love it: cowbirds, doves, juncos, quail, red-winged blackbirds, sparrows and towhees Milo, Wheat and Oats: Most birds don’t really like them. They’re often added into cheap bird seed blends. Birds discard them, which often attracts rodents. Birds That Love It: doves, pheasants, and quail Nyjer® (Thistle): It’s often referred to as black

gold because of its hefty price tag. It’s often confused with prickly thistle, a weed that goldfinches use to line their nests. Birds That Love It: American goldfinches, house finches, lesser goldfinches and common redpolls Peanuts: The best way to serve these up is in a tube-shaped metal mesh feeder. The peanuts can be crushed or whole. Birds That Love It: brown creepers, brown thrashers, chickadees, jays, kinglets, northern mockingbirds, nuthatches, pine warblers, starlings, titmice, wrens, woodpeckers, and yellowrumped warblers Safflower: Squirrels, house sparrows and starlings don’t enjoy safflower as much as sunflower seed. But there are others that do. Birds That Love It: Cardinals, doves, grosbeaks, and sparrows Suet and Bird Puddings (Beef Fat and Seed): Insect-eating birds particularly like this mixture. It helps to fatten them up for cold and harsh weather. You’ll need to get a special suet feeder that is at least 5 feet off the ground so that rodents can’t get to it. Birds That Love It: chickadees, nuthatches, titmice, woodpeckers and wrens Sunflower Seed: Hulled sunflower seed is eaten by the largest variety of birds. Large-beaked birds prefer the striped ones. Small feeders birds enjoy the black-oil seeds. Birds That Love It: chickadees, evening gros-

c b s 4 n e w s pa p e r | May-June 2016

beaks, finches, grackles, goldfinches, jays, northern cardinals, nuthatches, pine grosbeaks, red-bellied woodpeckers, and titmice Good to Know: Store bird seed and mixes in a cool and dry location in a plastic container. In areas where mice or squirrels might be attracted to the food, use a metal container. Good to Know: Change hummingbird nectar once a week to keep the food fresh.

Providing Water for Birds

Many bird lovers always remember to refill their bird feeders, but overlook another key to survival water. Dew, rainfall and wild food provide some moisture naturally, but another source is usually needed. Here are a few things to keep in mind: • Make sure that you place your bird bath near some shrubbery so the bird can make a getaway if needed. • Most birds are frightened of deep water. Create different depths in your bird bath using rocks or stones. Small birds like finches and sparrows will hang out in the shallow end, while robins and jays will be a bit more adventurous on the deep end. A rim or perch should be provided near the water. • Remember to clean your bath periodically. Use a scrub brush and fresh water and then refill. • If you live in a cold climate, you can purchase an outdoor heater to prevent the water from freezing. • Put your bird bath in a sunny locale. The warm sun will always feel good to wet birds, but this will also help keep ice off of the bath in the winter.

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select and care for

Fruit Trees What could be better than an orchard right in your own backyard? Fresh apples, peaches, pears, plums, figs or cherries can be just a few steps from your door.

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Planning for a Fruit Tree

Very few homes can accommodate a true orchard, nor would they want to. Large-scale fruit production can be pretty labor-intensive. One or two trees, however, can be a great addition to the home landscape. First, make sure that your landscape has room for a fruit tree. The planting area should have adequate sunlight and air circulation. Both are critical to maximum fruit production and reduced risk of pests and disease. Fruit trees also prefer well-drained soil. Trees come in various sizes, based on geographic zones. Some varieties require more than one tree be planted in order to ensure pollination. If you’ve got the space, decide what you want to grow. When choosing what to plant, the supermarket may not be the best place to make your decision. Much of the fruit for sale there is shipped in from other parts of the country or world and may not grow well in your area. If you have a local farmer’s market, look there for some ideas. Lowe’s garden centers stock trees that are proven to be hardy in your region. Some other things to consider: • Fruit trees tend to attract bees and may drop their unpicked fruit. Neither of those are necessarily bad features, but you may want to think twice before planting fruit trees in the front yard. • Most fruit trees take several years to produce their first crop. After that you should expect fruit each season. • Your home-grown fruit may not be as attractive as the market’s. Most people who grow fruit at home are quite happy to accept fresh-picked flavor over appearance. • For maximum yields of quality fruit, some maintenance is involved. Pruning is especially important to fruit trees. • Crop yield and the health of the tree itself are greatly affected by pruning, but it must be done the right way at the right time. • Timing and techniques vary by the type of fruit you’re growing. Pick up a good book on fruit tree pruning to get the best results from your trees.

Selecting a Fruit Tree

There are three basic types of fruit trees to choose from: Dwarf produces regular-sized fruit on trees 5 - 8’ tall. Dwarf trees yield a more manageable amount of fruit for home gardeners. Fruit is easy to pick and the trees are simple to care for. Dwarf trees work well in containers. Semi-dwarf grows to about 15’ if not pruned or trained. The fruit yield is comparable to a standard fruit tree and you probably need a ladder to pick it. Standard are full-sized trees like the one you climbed on when you were a kid. Because of their size and extensive root system, they can grow quite large and produce a lot of fruit. Without pollination, there would be no fruit. The plant tag should tell you whether the tree is cross-pollinating or selfpollinating. Cross-pollinating means another variety of the same fruit tree needs to be planted as well. Plant them within 100’ of each other to ensure pollination. The bloom periods also need to overlap to be effective. A self-pollinating or self-fruitful tree is able to pollinate and bear fruit alone, although pollination by another variety will usually increase the fruit yield and quality. Plant fruit trees as you would any tree or shrub. Keep adequate spacing between them to allow air to circulate - prevent pests and disease. If it’s fruit you want, make sure the tree you select is not a purely ornamental one, such as some cultivars of pear, cherry and plum. Some out-of-the-mainstream fruits such as avocado, persimmon, olive, paw-paw, pomegranate and banana can make interesting specimens and provide food. Many varieties of nut trees adapt well to the home landscape. Look for regional favorites such as pecan, pistachio, English walnut, black walnut and almond. A note on growing new plants from seed you collect from your own fruit: It’s fun (a great project for children), but don’t expect the resulting plant and fruit to be the same as the one you got the seed from. Like any grafted or hybridized plant, when a seed is planted the resulting plant will likely show traits of both the “parent” plants. Most state’s Cooperative Extension Service agencies have lots of great information on growing fruit for home use. Take advantage of this valuable local asset.

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Mirror Frame Give a dated bathroom mirror a fresh new look by wrapping it in a crisp, white frame. Or, customize the frame style and finish to match the rest of the bath

c b s 4 n e w s pa p e r | May-June 2016

Content provided by lowes.com

Skill Level Beginner Estimated Time Few hours

Estimated Cost $$$$$ Tools • Miter saw • Caulk gun • Tape measure

Materials • 3-1/4-in x 8-ft white casing • Liquid Nails interior/ exterior adhesive • Mirror mastic (optional, if installing a new mirror) • Paint

Instructions Step 1 This project assumes you’re trimming an existing mirror, but we’ll explain how to install a new mirror at the end of the frame instructions. Measure the mirror and add 2 inches to the length and width. Cut the top, bottom, and sides to those lengths (on the outside edge) with 45-degree miters on both ends. (This should leave a 1-in overhang when installed on the mirror.) Using painter’s tape to hold the corners together, assemble the frame without glue on a flat surface to check for gaps. Good to Know: One secret to a great-looking frame is to cut opposite parts to identical lengths. Check the part lengths against each other -- not a tape measure -- to make certain they’re equal.

Step 2 Apply an even coat of interior/exterior construction adhesive on the mitered ends of each joint and assemble the frame on a flat surface using painter’s tape; let dry.

Step 3 Fill any miter gaps with spackle or wood putty, wipe away the excess, and let dry. Then apply two coats of paint.

Step 4 Working at least 1 inch in from the outside edges around the back of the frame, apply two parallel 1/4-in beads of construction adhesive. Gently press and hold the frame on the mirror to leave a 1-in overhang on all four sides. Immediately check the frame with a level and make adjustments as needed. If necessary, use painter’s tape to hold the frame against the wall while the adhesive sets. Good to Know: The thickness of the mirror can leave a gap around the edge of the frame. If that’s a problem, fill the gap with a bead of caulk and smooth the caulk even with the edges of the frame. A little touchup paint around the edge of the mirror will hide the patch.

Install a new mirror Step 1 Mirrors can be heavy, so find a helper to lift and position mirrors too large to handle alone. To support a mirror in position while the adhesive dries, nail a straight piece of removable scrap wood to the wall, with the top edge even with where you want the bottom of the mirror. If you have a tile wall or other surface that can’t be nailed and there’s a vanity underneath, measure from the top of the vanity to the bottom edge of where the mirror will go. Then cut spacers to that length and rest them on the vanity.

Step 2 Apply evenly spaced spirals of mirror adhesive around the back of the mirror (shown resting loose on a frame) according to the manufacturer’s directions. Avoid using general-purpose construction adhesive to hang a mirror. You need a formula that won’t weaken or dissolve the reflective coating on the back.

Step 3 Place the mirror in position starting at the bottom, tilt the top up against the wall, and press gently but evenly around the mirror. Use painter’s tape at the top of the mirror to hold it in place while the adhesive dries. Then attach the frame as described in the previous section.

c b s 4 n e w s pa p e r | May-June 2016

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Cabinet Storage Buying Guide

A recipe for happiness: Create a place for everything you need in the kitchen. Design and build a user-friendly space with kitchen cabinet accessories. From family message centers to cabinet organizers, you can work more efficiently if your area is clean, easily accessible and organized. Before You Shop Before you begin your kitchen design, think about any special storage or workspace requirements you might have. You can add some organizers after the cabinet installation, but many must be built into the original cabinet order. So it makes sense to review your needs with a kitchen design specialist. Upper Cabinet Accessories • Pull-down spice racks fit in or under the upper cabinets to save space and eliminate clutter. • Microwave shelving keep countertop microwaves off the counter. • Pegs or hooks hold mugs and teacups. • An appliance garage hides blenders, toasters and infrequently used items. • Hanging cookbook racks keeps spills off the pages while freeing counter space. • Pull-down or side-cabinet message centers make family communication easier. • Built-in smart device storage charges batteries and keeps technology away from food and beverages. • A built-in recipe cardholder makes it easy to keep track of your Aunt Betty’s mac-and-cheese recipe. Lower Cabinet Accessories • Roll-out baskets add a decorative touch and create usable space in narrow openings. • Pull-out waste and recycling centers keep trash hidden, make cleanup easier and keep children and pets out of the garbage. • Cutting boards with integrated knife storage and pull-out tables create more task space. • Oversized Lazy Susan units make use of space in a corner cabinet.

Additional Ideas Kitchen designers are finding more ways to help you use every inch of your kitchen. Here are a few more interesting options for kitchen storage. • Built-in basket systems store potatoes, onions and other produce with more venitlation than drawers. • Wine racks or cubbies store wine on its side, as vintners recommend. Some wine racks use the space between the refrigerator and cabinet. • Under-cabinet racks store wine glasses and other stemware to leave more in-cabinet space for other things. • Swing-out pantry racks make it easier to reach items stored in the back of the cabinet. • Flip-down sink trays transform the space in front of your sink into a convenient sponge-holding caddy.

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inds of 70 miles per hour are not uncommon in South Florida; constant winds of that velocity or higher, are generally associated with Tornados. When Tornados start, any object can be lifted and thrown into the faรงade of your property, becoming a life threat to you and your family members; typically, large missile items are expected to hit up to the third floor (chairs, large pieces of debris, any items left on decks and patios) and smaller missile items from the fourth upwards. Recently, the Palm Beach and Broward Counties have been affected by Tornados; the last one in Delray Beach carried winds of 65-85 mph as per the National Weather Service. Evaluating the zone in which your property is located and the way the facades of your home are designed are key aspects when replacing Windows & Doors. It is not true that any Impact Resistant Product will fit your Home, some areas require protection for higher winds as they are closer to the Ocean or because of other conditions, also certain openings of the building may require products with better resistance, for example units located in corners or close to the corner of the house. Obtaining proper guidance could save money but most important the life of your loved ones. Call us for a consultation and estimate, we have a vast variety of products that accommodate all requirements and tastes (954) 391 9725.

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air quality Improve your indoor

c b s 4 n e w s pa p e r | May-June 2016

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We spend 90% of our time indoors, so it ’s important that the air inside our homes is safe and clean. A home with poor air quality or indoor air pollutants can lead to illness and discomfort. Respiratory infections, sneezing and chronic lung conditions like asthma have been linked to poor indoor air quality. By following a few steps, you can keep your home healthy and comfortable. Cleaning Indoor Air

Cleaning Overlooked Areas

• Change filters on your furnace for cleaner air and a more efficient, longer-lasting heating system. • Replace the batteries in carbon monoxide detectors and smoke alarms. • Check your dryer vent to make sure that the plastic housing is tight and that the flap is able to swing freely. • Have your fuel-burning appliances (furnaces, hot water heaters, fireplaces and gas ranges) inspected by a professional to ensure they are working properly.

Even the best housekeeper sometimes forgets hard-to-reach areas. This unintentional neglect can result in increased allergens in your indoor air. Use these tips to help you clean the areas most often forgotten: • Pull your appliances out from the wall seasonally and clean behind them. • Clean refrigerators coils by brushing dust off or using a vacuum cleaner hose attachment. • Clean inside the lint catcher of your dryer using a vacuum cleaner hose attachment. • Dust inside your light fixtures.

Wash Down Your Garage

• Clean scuff marks and dust off your front door. • Wipe down the railings of your staircases.

Refresh Your Rugs Taking a few moments to clean out your rugs, blankets, comforters and pillows can eliminate dust and add a refreshing feeling to your home. Vacuum any throw rugs, and then take them outside. Hang them up or dangle them over a fence or deck rail to beat them with a broom. Once you’ve finished pounding out the dust, spray them with a fabric refresher.

It’s easy to overlook the garage as an area that needs to be cleaned, but dirt, leaves and more in the garage can end up coming into your house. A thorough, seasonal garage cleaning will help you keep your home cleaner all year round. You can clean the floor and the walls of your garage with a hose. Also use the hose to clean off any shovels, spades or gardening tools that have collected debris. Before you close the garage up, though, be sure you let it dry thoroughly to prevent mold and mildew.

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Hire bathroom Remodeling a bathroom can be an expensive project. But you can keep costs down by doing the job yourself. Find out if youâ&#x20AC;&#x2122;re up to the task or if you should hire a professional.

c b s 4 n e w s pa p e r | May-June 2016

Content provided by lowes.com

Determine the Scope of Your Project Before you take a sledgehammer to that ugly tile, there are a few things you need to consider. 1. Determine the size of the project Is it a large project that could take months to do on your own or is it a smaller project that could be done in a few weekends?

intensive and could include projects like painting the walls or cabinets, changing out bath hardware or faucets, and hanging a new medicine cabinet and lighting.

2. Is this a remodel or a refresh? A remodel requires significantly more time and money. It would include tasks such as changing the footprint of the room, replacing shower or floor tile, and replacing a bathtub. A refresh is not nearly as time- or labor-

3. Are your skills up to code? Larger projects often require permits before you get started. You’ll also need to ensure that your remodel is up to code. Be especially mindful with older homes. Wiring and plumbing systems can be outdated, and deal-

Assess Your Skill Level When it comes to remodeling, it’s important to be honest about how skilled you are. Answer these questions before starting your project.

How Much Time Will It Take? You’ve assessed the size of the project and your skill level. Now it’s time to talk timeline. It can vary dramatically depending on several factors.

1. Are you a home repair novice or a remodel guru? If you’re a novice, it’s probably best to hire a pro. Stick to smaller projects (paint, adding hardware or a medicine cabinet) and hire someone to handle complicated tiling and plumbing work. If not, your mistakes could cost you more in the end. 2. How patient are you with learning new tasks? Do you take the time to read the instructions and follow them or do you get easily frustrated? If your patience wears thin a few pages into a complicated manual, it’s probably best to call a professional. However, if you find the idea of completing a project to be challenging and rewarding, this could be right up your alley. 3. Are you prepared? The unexpected comes up frequently in remodeling projects. For example, you could replace a bathroom vanity and discover that the floor is rotten underneath. Would you know what to do? This can cause delays that you may not have time or knowledge to handle.

ing with them can be dangerous for a novice. If you’re unsure of whether a code inspection or permit is needed, contact your county’s building inspection office. Caution: Do you have any issues with asbestos, lead paint (typically found in homes built before 1978), mold or mildew or polybutylene piping? Sometimes you may not know until you start the demolition process. In any event, do not attempt to handle these issues. A pro will be needed.

1. Plan for the unexpected If you decide to do the job yourself, be realistic about the time you can spend remodeling. Will you work on the bathroom after office hours and on the weekends or will you take time off to knock the project out quickly? Also expect the unexpected. Pad your timeline for extra trips to the store for materials, personal/work-related events that may arise or potential problems once you start remodeling. If you’re hiring a pro, there are a couple of things you can do to expedite the process. Make sure that you have all materials on site before the contractor starts and ask if they’ll be working on any other projects while your bathroom is being remodeled. 2. Do you have a deadline that you’re working towards? Are you getting a powder room ready for the holidays? Or perhaps you have an addition to your household (new baby or aging parents). You need to ensure that you’re setting a realistic goal with yourself about getting this done on time. If you hire a pro, be up front that you’re working with a deadline. 3. How much is your time worth to you? Do you mind giving up nights or weekends in order to finish your project? If you do it yourself, you may have to use up vacation days or miss social or family events in order to finish it. For some, their time is worth more to them and they’d rather pay someone to do it.

How Much Will It Cost? As of 2014, the average bathroom remodel costs $16,500. Contractor labor costs are typically 40% of your total project. By doing it yourself, that would leave $6,600 in your pocket. Although saving that extra money sounds great, you may still feel some trepidation about taking on the whole remodel. If you want the satisfaction of doing it yourself, consider splitting up the project and handling what’s within your timetable and skill level. Then save the more complicated projects for the contractor. Refer to the chart for a list of bathroom projects by skill level. Good to Know: A benefit to doing it yourself: With the money that you’ll save in labor costs, you can splurge on that fancy tile or tub that’s been on your wish list.

c b s 4 n e w s pa p e r | May-June 2016

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Life

U.S.A Cruising Cuba

Miami

Cruises to Cuba set to sail from Miami

Havana

Cuba

c b s 4 n e w s pa p e r | May-June 2016

cbsmiami.com

By Gary Nelson • gnelson@wfor.cbs.co

his fall, 115 scheduled airline flights a day will begin service to airports throughout Cuba. But the jets won’t get there first. A not-soslow boat to Havana will beat them. Carnival Cruise Line’s Fathom division will begin weekly cruises to Cuba beginning May 1st. Fathom President Tara Russell has worked more than two years to make it happen. “We’re truly honored and humbled that we were the first to receive both U.S. approval and Cuban approval to sail,” Russell told CBS4’s Gary Nelson. The 705 passenger ship MV Adonia will carry visitors from Port Miami to Havana, Cienfuegos and Santiago De Cuba, circumnavigating the island on seven night voyages. The trips are billed as cultural excursions, but a good time is promised. “We have so many fun things on board. We have dance lessons, fun conversational Spanish, Cuban food, Cuban musicians; we have bands coming on board,” Russell said. On shore there will be visits to museums and farms, but also restaurants and clubs. The cruises will provide considerable upside for Cuban business. “The transportation infrastruc-

ture, the bus companies; everyone now has opportunities that they didn’t have before,” said Russell. Before, travel to Cuba involved burdensome bureaucracy. Individual travelers had to jump through an array of paperwork hoops, but not if you book a cruise now. “We handle the affidavits, we handle the visas, we handle the medical insurance, all the things that are necessary to travel to Cuba,” said Russell. “They can be complex, but we take care of it all.” Cuban cruising has its critics. Florida Governor Rick Scott recoiled at the plans when they were announced last year. “The Obama administration is basically rewarding the Castro brothers for not doing the right things. They don’t believe in democracy, they don’t believe in political freedom,” Scott said on July 8th. Those at the helm of expanded travel, however, see rewards on the horizon. “I have a lot of empathy and sensitivity to the past, but I also really hope that we all have the courage to look forward differently,” said Russell, who is convinced that for the U.S. and the Cuban people cruising will prove to be a bon voyage.

c b s 4 n e w s pa p e r | May-June 2016

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c b s 4 n e w s pa p e r | May-June 2016

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Taste of the town:

By Lisa Petrillo

lpetrillo@wfor.cbs.com

t is the ultimate Cuban fish fry at La Camaronera Fish Joint and Seafood Market in Little Havana. It’s a family owned favorite and hidden gem of locals since – are you ready? “We’ve been here 43 years,” said owner David Garcia. “It was only U-shaped counters and people used to eat only standing up, we didn’t have any stools, people ate at the counters, it was definitely unique.” The business began in Havana, Cuba where Garcia’s father, Arsenio, and his 10 brothers caught fish, filleted them and sold them. “This is something we used to do right across the street from our house in Cuba, we were a family of fishermen” he said. “We used to have a fruit cart and we’d sell this and the black eyed pea fritters we do now.” In 1966, after leaving Castro’s Cuba, they began their small fish business in a strip mall off W Flagler Street. While a lot has changed since it was a ‘stand up and eat’ shop, a lot has remained the same. “Since we’ve been here 43 years families have been able to come back with their kids who are now older and we are catering to everyone now,” said Garcia.

The food is definitely what keeps them coming back. The iconic eight dollar “Minuto Sandwich” is made with Keys caught yellowtail snapper that is breaded, flash fried and served on a Cuban roll – with the tail on. “Now I know why its the biggest seller,” I said, just after after taking a bite. “It’s a super tender, fresh, juicy fish, but then that fry on outside and the tail make it crunchy with the Cuban bread on the outside.” Next up, Gulf caught grilled shrimp served with sautéed onions and salad. My reaction after tasting? “The shrimp is so fresh and then with the grilled onions that give it crunch, it tastes like it just

Photo provided by La Camaronera

c b s 4 n e w s pa p e r | May-June 2016

came out of the water.” Another crowd pleaser is a whole yellowtail snapper, which has been carved into bite-sized pieces, served with fresh lime. All I can say is you would not know this is fried. It’s light and flaky, the lime adds some zip. It’s probably the best fried fish I’ve ever had. La Camaronera where fresh fried fish and family go hand in hand. La Camaronera is opened 7 days a week.

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Coworking Spaces More Offices Opting For Communal Work Spaces

By Rudabeh Shahbazi rshahbazi@cbs.com

ore and more places are kicking cubicles to the curb and putting in community tables to be used as new desk space. Times have changed and we no longer do the type of physical, repetitive work we used to. Today, there is higher demand for work spaces that allow for collaboration and inclusion. And We Work is in. They’re one of the largest co-working spaces in South Florida. “It’s more like a plug and play mentality which is what we’re accustomed to, right? In today’s day and age, and that’s exactly what I love about We Work,” said Mo Abbas with Apeiron. Their Miami Beach office is four floors with 40,000 square feet. It’s one of five new locations where ideas flow as freely as coffee and beer – everyday – all day. “The four walls of the We Work community is

an energy. I really like to be inside of as an entrepreneur and a creator,” said Mathew Sherman with the Organic Cold-Pressed Juice Company. For these mobile entrepreneurs, being able to have access to offices across the world makes co-working spaces like We Work a no-brainer. “As we go to do research and development trips to other cities having a space to go collect our thoughts together and visit another conference room our work from a hot desk at another location has been a huge logistical benefit for me,” said Sherman. “Entrepreneurs in general tend to be likeminded, tend to flock together, tend to want to be exposed to certain environment. You have to cultivate those resources to build your business, right,” said Abbas. For $350 a month you can have unlimited weekday access to common work space. We Work is not the only option. You can search for work spaces and you’ll find a number of other options.

c b s 4 n e w s pa p e r | May-June 2016

Life

Tour filming locations

“Set Jetting” Growing As Vacation Trend

here’s a new trend in vacations and it centers around the traveler’s favorite television shows and movies. You’ve heard of jet-setting, but how about set-jetting? That’s when you travel to the set of beloved movies, TV shows, or even book settings. This kind of travel has exploded in recent years, with people covering the globe to see destinations previously fea-

c b s 4 n e w s pa p e r | May-June 2016

cbsmiami.com

tured on the big screen, or “as seen on TV.” Tour companies are built around it and customized trips are offered to get you on set, if you’re willing to pay the price. Traveling to England specifically to visit film locations from Harry Potter movies didn’t seem extreme at all to Kymri Wilt. “The books came out when I was pregnant with my daughter and my husband and I were reading them through pregnancy and she grew up with the books and the movies,” said Wilt. It turned out to be the trip of a lifetime for her daughter, Zuri. “Being able to explore those places was very exciting,” she said. “Everyone dreams of waking up in the middle of a film, you know, whether it’s the glamour of James Bond or the magic of Harry Potter, and so travelers these days are doing just that-they’re booking trips to destinations where their favorite TV shows and movies were filmed,” said Colleen Clark with Jetsetter.com. Professor Roger Riley studies film-induced tourism and explained the appeal. “Primarily, it’s the attractiveness of the land itself. One might think of the hillscapes in Lord of the Rings in the south island of New Zealand. One might think of the blue mountains of the Man of Snowy River in Australia,” Riley said. But there are other motives for movie travel. “It can be the relationship between characters, or a specific character, and they want to see where they met, or they want to see where it was that they were doing it,” he explained. This kind of travel can get expensive, especially with sets in other countries. “You’re kind of investing in that, you know, insider access you wouldn’t normally get if you planned it on your own,” Clark said. Clark said there are different ways of doing movie set escapes, like self-led

Left: Hobbiton Movie Set in New Zealand. Filming location for Lord of the Rings. Photo by Troy Wegman / Shutterstock.com. Above: Glenfinnan viaduct, Scotland.Harry Potter filming location. Right: The Cloisters at Gloucester Cathedral in England. Harry Potter filming location.

tours or guided ones. “Self-led is great because you can kind of immerse yourself in the experience and see the destinations that are important to you, but if you want the sort of insider experiences you should really go with a company that can hook you up with these sort of oncein-a-lifetime opportunities,” she said. But Dr. Riley cautions that things may not always appear as they did before movie magic. “Sometimes the destination doesn’t look like it was on the movie set, but oftentimes you can see yourself in the movie with that visitation, the completion of the circle I think is what it is, I experienced it myself,” Riley said. For travelers, like Wilt, reality was almost as good as fiction. “They seemed magical because something special happened there and whether the films were using special effects or we were fans of the actors or what have you, it, it brought a lot more to the experience,” she said.

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2017 Fiat 124 Spider Elaborazione Abarth Offers Sportier, More Responsive Driving Experience for Performance Enthusiasts

ince the introduction of the Fiat 500 Abarth at the 2011 Los Angeles Auto Show, the DNA of Abarth has connected with driving enthusiasts in search of a sharp, wicked, fun-to-drive machine. Continuing the legacy of Karl Abarth’s performance-inspired vehicles known for their rich racing heritage, the 2017 Fiat 124 Elaborazione Abarth will debut at this year’s New York International Auto Show. The Fiat 124 Elaborazione Abarth is the heir of the roadster that drove Fiat to its first European Rally Championship win in the 1970s. Applying the Abarth formula, the new 124 Spider is designed and built for thrills and performance. Key Abarth features include rear-wheel drive, a sophisticated suspension and a four-cylinder turbocharged MultiAir 1.4 Turbo engine with best-in-class 160 horsepower that is available with a six-speed manual or six-speed automatic gearbox with paddle shift. The 2017 Fiat 124 Spider Elaborazione Abarth is the latest addition to the Fiat 124 Spider lineup, offering added performance features for a sportier, more spirited driving experience. While all Fiat 124 Spider models deliver responsive handling and excellent power-to-weight ratio in a robust rear-wheeldrive package, the Elaborazione Abarth model builds on the Spider’s engaging driving dynamics to offer even more fun for performance enthusiasts. “Our new Fiat 124 Spider is an iconic roadster that combines classic Italian styling with modern performance and technology,” said Olivier Francois, Head of FIAT Brand, FCA – Global. “The addition of our new 2017 Fiat 124 Spider Elaborazione Abarth further enhances the driving experience and offers yet another head-turning, fun-to-drive vehicle to our customers.”

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The 2017 Fiat 124 Spider Elaborazione Abarth features the proven turbocharged 1.4-liter MultiAir four-cylinder engine, delivering 160 horsepower and 184 lb.-ft. of torque and is paired with either a sixspeed manual transmission or a six-speed automatic transmission with paddle shifters. The Elaborazione

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With a streamlined silhouette and a stretched bonnet, the Fiat 124 Spider Elaborazione Abarth has an aggressive appearance, with unique front and rear fascia, black side sills, 17-inch Gun Metal aluminum wheels and a sport-tuned, chrome quad-tip exhaust with a unique exhaust sound. The Gun Metal header, mirror cover and roll bar complement five available paint colors: Bianco Gelato (White Clear Coat), Rosso Passione (Red Clear Coat), Nero Cinema (Jet Black Metallic), Grigio Argento (Gray Metallic) and tri-coat Bianco Perla (Crystal White Pearl). The interior design reflects the performanceoriented details for which cars sporting the Scorpion

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badge are famous. There is Rosso (red) stitching throughout, including on the leather-wrapped steering wheel, wrapped instrument cluster hood, lower instrument panel and parking brake. A matte black instrument panel bezel, unique instrument cluster, aluminum-accented sport pedals and unique gear shift knob help to differentiate the Elaborazione Abarth model. Unique Nero (black) leather/microfiber seats are standard, while leather seats in Nero (black) or Nero/Rosso (black/red) are available. For true performance enthusiasts, leather and Alcantara Recaro seats are also available in Nero (black). 2017 Fiat 124 Spider

The all-new 2017 Fiat 124 Spider revives the storied nameplate, bringing its classic Italian styling and performance to a new generation. Paying homage to the original 124 Spider nearly 50 years after its introduction, the 2017 Fiat 124 Spider delivers the ultimate Italian roadster experience with driving excitement, technology and safety combined with iconic Italian design. The 2017 Fiat 124 Spider lineup also includes the Classica and Lusso models. To celebrate the return of the classic nameplate, the first 124 vehicles will be offered as a limited-edition Prima Edizione Lusso, featuring an exclusive color combination and commemorative badging. The all-new Fiat 124 Spider will arrive in FIAT studios in North America beginning in summer 2016.

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Does Your Credit Score Affect Your Car Insurance Rate? Like It or Not, Poor Credit Can Mean Steeper Rates

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by Jaime Netzer

oes your credit score impact your car insurance rate? It’s a question you might have wondered about before — especially if you have a particularly spotty credit record. Unless you live in California, Hawaii or Massachusetts, the short answer is yes. The explanation of the relationship between credit scores and car insurance rate-setting is more complex, however. What Factors Into a Car Insurance Rate? Obviously, your driving record has an impact on the estimated risk your insurance company assumes by taking you on as a driver. There also are other risk elements that affect your car insurance, according to the Insurance Information Institute: where you park your car at night, your gender, your age and the kind of car you drive. Also relevant to your rate, according to insurance companies, is your credit score. The practice of using credit scores in setting insurance rates has been around for at least 20 years. According to at least two studies, a 2003 study done at the McCombs School of Business at the University of Texas at Austin, and a 2007 study by the Federal Trade Commission, there is a statistical correlation between how much a consumer costs an insurance company and that customer’s credit score. The Texas study looked at a random sample of 175,647 people in the state and found that “the lower a named insured’s credit score, the higher the probability that the insured will incur losses on an automobile insurance policy, and the higher the expected loss on the policy.” The study’s authors noted that they did not attempt to explain why credit scoring added significantly to the insurer’s ability to predict insurance losses. The FTC study found that credit-based insurance scores are effective predictors of risk under automobile policies. “They are predictive of the number of claims consumers file and the total cost of those claims,” study authors write. “The use of scores is therefore likely to make the price of insurance better match the risk of loss posed by the consumer. Thus, on average, higher-risk consumers will pay higher premiums and lower-risk consumers will pay lower premiums.” It’s also important to note that insurance companies don’t use traditional credit scores. They build their own scores based on FICO or Experian scores: Basically, companies take your score and use it in their own model. But Is This Fair? According to J. Robert Hunter, director of insurance at the Consumer Federation of America, credit scoring was the

first classification factor used by insurance companies that was not based on traditional actuarial research. Before this, he says, rate factors were determined by developing a thesis and then testing it by collecting data to determine if it was correct. For example: If the thesis was that drivers with a DUI conviction might have more claims in the following year, actuaries might look at statistical evidence to see if such a thesis was correct. Hunter said that advocates for the use of credit scores in car insurance rate-setting “still cannot explain what they are measuring, coming up with explanations like, ‘Sloppy with finance means sloppy with driving.’ “Of course, when the 2008 financial crisis hit, many people developed worse credit scores that had nothing to do with their sloppiness,” he said. “The fact is that credit is a surrogate for prohibited rate classes such as income and race,” Hunter said. “Insurers are prohibited from using these factors in all states and we think this is their way around the prohibition.” But others argue that insurance is a numbers game and the practice, even if unfair, might be logical. Frankie Kuo, an analyst at ValuePenguin.com, says that insurers are “doing their best to find out whether their future and current policyholders are a good or bad risk to take.” What You Can Do To Mitigate Your Costs Regardless of whether the use of credit history is fair, it is legal in all but three states. So what can you do if your credit score is in less than perfect shape? As always, your best bet is to shop around for an insurance company. “Insurers always differ in how much weight they put on each rating factor, and I guarantee you consumers will always find one that finds their imperfect credit score less of a problem than other insurers do,” Kuo explains. According to a study by WalletHub, Geico appears to rely the least on credit scores, while Farmers Insurance seems to lean on it the most heavily. For consumers who have difficulty finding coverage at all, in almost every state there is an assigned risk plan that helps high-risk drivers find coverage for a limited period of time. “Even if the rates may be higher than if they obtain a policy in the voluntary market, they will be avoiding insurance lapse, which not only contributes to higher rates in the future, but also possibly legal consequences,” Kuo explained. Finally, improve or maintain your credit history by paying your bills on time and not skipping payments. You also should check your credit report and keep an eye out for possible errors. Consider free credit monitoring with a company like CreditKarma and free annual credit-history reports from AnnualCreditReport.com.

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ollowing an enthusiastic reception from its Hellcat and SRT owners, Dodge is expanding the popular Go Mango heritage exterior paint color to its entire Charger and Challenger lineups. “We’ve seen a tremendous response from our customers after we announced the return of Go Mango at the 11th annual Spring Festival in California. In fact, nearly half of all SRT and Hellcat orders are for Go Mango,” said Tim Kuniskis, Head of Passenger Car Brands – Dodge, SRT, Chrysler and FIAT, FCA – North America. “To meet consumer demand, we plan to expand this modernized heritage color to the entire Charger and Challenger lineup later this spring.” Go Mango was first introduced by Dodge on the iconic 1970 Challenger. Following a limited production run in 2006 on specific Charger R/T Daytona models, and more recently featured on the 2016 Dodge Dart, the next generation of the legendary and limited-edition exterior hue combines orange and red tones into a high-impact color that showcases the legendary Dodge performance attitude. The 2016 Dodge Charger SXT and Challenger SXT in Go Mango are on display at the 2016 New York International Auto Show About the 2016 Dodge Challenger The Dodge and SRT brands offer the most complete lineup of muscle cars in the market, including the 2016 Dodge Challenger SXT with its standard powerful and fuel-efficient Pentastar V-6 engine combined with the TorqueFlite eight-speed transmission that delivers 305 horsepower and an estimated 30 miles per gallon on the highway; the 2016 Dodge Challenger R/T with the high-torque 5.7-liter HEMI® paired with the TorqueFlite eight-speed or six-speed manual transmission; and the 6.4-liter HEMI Challenger R/T Scat Pack that delivers 485 horsepower and 475 lb.-ft. of torque (the most horsepower and torque available for less than $40,000) with the TorqueFlite eight-speed or six-speed manual. The 2016 Dodge Challenger SRT 392 adds six-piston Brembo® front brakes, adaptive damping suspension and SRT Drive Modes to the same 6.4-liter naturally aspirated HEMI powerplant, while the Challenger SRT Hellcat with its 707-horsepower supercharged 6.2-liter HEMI V-8 engine is the most powerful and fastest muscle car ever.

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