Aventura News, August 26 2009 Edition - Miami, Florida

Aventura Mall

aloft Hotel

The Fairmont Turnberry Isle Resort & Club

Serving Aventura, Bal Harbour, Bay Harbor, Golden Beach, Hallandale Beach, Hollywood, Sunny Isles Beach, Surfside

City of Aventura

www.communitynewspapers.com

Aug. 26 - Sept.1, 2009

Kitchen 305 hosts 'classic food & rock' networking event for Aventura Marketing Council and North Dade Bar Association members

BY BARI AUERBACH Favorite dining classics met classic rock when Kitchen 305 at the Newport Beachside Hotel & Resort hosted a joint networking reception for the Aventura Marketing Council and North Dade Bar Association receiving great feedback from an impressive turnout of business and community leaders.

Robert Festinger of the Newport and the hospitable Kitchen 305 staff helped welcome guests to the energetic bistro, where the classic rock band Kamelleon performed live throughout the entertaining evening. By day, band founders Scott Sander, a CPA with Sander & Associates and David Frangioni of Audio One, are Aventura Marketing Council professionals - and after work, they enjoy morphing into "rock stars" with fellow band members Robert Schiff, Donna Cutler and Sandra Sturm.

While guests were rocking to Kamelleon's hit playlist, leaders from IT Doctors, Wells Fargo Advisors, Bnai Zion Foundation and the Law Office of Russel Lazega con- Representing North Dade Bar Association (L-R) Ravi Batta, Rosenfeld Stein Batta; curred Kitchen 305's "cure for boring food!"" is exempli- Maggie Yeshua, All American Appraisal Management Corp.; Ivan Schertzer, fied by classics like Mac'n Cheese, Fish & Chips and truf- Law Offices Ivan A. Schertzer; Leslie Lazega; J.D. Underwood and Russel Lazega, fled French Fries plus specialties like Surf and Turf Law Office of Russel Lazega; Alex Rosenfeld, Rosenfeld Stein Batta Sugarcane Skewers and Limoncello-Shooter Linguini but compliments for Kitchen 305's amazing Crab Cakes, tossed with grilled chicken.

Friends from The Credit Council, EWM Realtors, Blackened Shrimp, Prime Rib of Beef, Rosemary Glazed Rack Prudential, Nordstrom and the City of North Miami highly rec- of Lamb, Firecracker Capellini and Absolut Penne.

Savvy professionals from the Office of Dr. Richard Galitz, ommended Kitchen 305's Bamboo Steamed Salmon and Bluefin Tuna - while experts from Morton's, State Farm Mount Sinai Medical Center, and Minuteman Press also said it Insurance, Addison Financial, Juice Plus, Salon Serenity and was a "toss up" as to which was their favorite: Kitchen 305's Traditional Caesar Salad or the The Babysitting Company had nothing unique Grilled Watermelon

Robert Schiff (keyboards and lead vocals), Sandra Sturm (vocals)

Kamelleon Bandleader Scott Sander, Sander & Associates (bass guitar and vocals); Donna Cutler (guitar and vocals)

Newport Beachside Resort & Hotel Catering Sales Manager Tammy Malamud and Director of Sales and Marketing Robert Festinger; North Dade Bar Association President JD Underwood; Aventura Marketing Council President Elaine Adler

Salad with feta cheese and citrus vinaigrette.

Busy executives from Coconut Grove Bank, the Center for Advanced Medical Care and Marksman Security even agreed to put work aside and toast to success with acclaimed, sought-after fine wines, plus savor decadent desserts like chocolate-filled beignets, balsamic roasted strawberry ice cream and bread pudding with bourbon sauce.

Colleagues from Sapoznik Insurance, Palm Gardens, DS Xpress, FastCare and Doris Sutton Realty planned to come back soon for the "Miami Spice" three course $35 value extended through the end of September featuring entrees such as Mango and Guava Glazed Half Rack of Ribs; 16 oz.

Cowboy Rib Eye; and Mesquite Smoked Cornish Game Hen. Before the networking event was over, everyone agreed Kitchen 305 and Kamelleon really "rock" - and the Newport Beachside Hotel & Resort at 16701 Collins Avenue in Sunny Isles Beach is especially in tune with anyone who would love to get away from it all for a great value. To inquire about very reasonable rates, or for reservations at Kitchen 305, phone 305-949-1300. Kamelleon will be David Frangioni (drums and musical director) performing again on August 26th and October 3rd.

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Aug. 26 - Sept. 1, 2009

Aug. 26 - Sept. 1, 2009

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Aug. 26 - Sept.1, 2009

Butterflies abound at Classic Residence by Hyatt new butterfly garden

Children gather with Classic Hyatt residents Morris Lazarus, Pearl Levan and Eda Aminoff and horticulture instructor Robert Borstein

Residents and young children recently united to plant the first ever butterfly garden at Classic Residence

by Hyatt in Aventura. This intergenerational event brought together nearly 20 residents who worked alongside the children with the common goal of creating a beautiful sanctuary where residents can enjoy quiet meditation and relaxation near the poolside at the luxury community.

The event coordinated by Lifestyle Director Paula Demello was a wonderful success. "Together children and seniors were able to share their talents, learn about nature and

enjoy the opportunity to serve the community," she says. "It was a day where the young together with mature adults found wisdom and inspiration in each other."

Upon the placement and mulching of the final plant, resident John Pagliaro spotted a butterfly in the garden immediately and commented that it must be a good sign.

For more information about activities at Classic Residence by Hyatt and to learn more about Aventura's premier continuing care retirement community, call 305-6924700 or visit hyattclassic.com

Resident Beatrice Muskat with children

Miramar Cultural Center/ ArtsPark hosts "The Great Escape: Tourism & Travel Expo 2009"

Fans of Café Café, that great little coffee shop located in The Waterways, enjoy a Chai Tea Chiller on a hot summer afternoon.

Café Café, now celebrating its 17th year at the same location, draws customers from near and far with their wide array of hot and cold specialty coffees, teas and smoothies to go with their homemade sandwiches.

Café Café is located in the The Waterways Shops at 3585 NE 207th Street, Aventura. For more information, call 305-933-2233.

Organizational leaders met recently to work on the logistics of the upcoming "Great Escape: Tourism & Travel Exp 2009" scheduled for October 27th at the Miramar Cultural Center / ArtsPark. Members of the Aventura Marketing Council, Greater Fort Lauderdale Convention & Visitors Bureau, Miramar Pembroke Pines Chamber, Latin Chamber of Broward, Greater Caribbean American Chamber, International Special Events Society and the American Marketing Association will be networking amidst a backdrop of resorts, airlines, cruise lines and destination displays.

For more information, call the Aventura Marketing Council at (305) 932-5334 Stacey Schrager, Schrager & Associates; Edna LaRoche, Miramar Cultural Center/ArtsPark; Kelly Tortoriello, Gr. Fort Lauderdale Convention & Visitors Bureau; Elaine Adler, Aventura Marketing Council

Aug. 26 - Sept. 1, 2009

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Sand Bake returns to Fairmont Turnberry Isle Resort & Club with nine celebrated chefs American Institute of Wine & Food's Grand Event to be held Sunday, Sept. 6th

Chef Daniel Buss, The Fairmont Turnberry Isle Resort & Club

Sand Bake is back and so is an exciting list of celebrated chefs to participate in the popular Labor Day weekend event presented by the South Florida chapter of the American Institute of Wine & Food. This year, the casual Florida tapas-style affair will be held at the private Ocean Club at the legendary Fairmont Turnberry Isle Resort & Club on Sunday, September 6th from 5 to 8 p.m.

"Sand Bake was held for years at The Fairmont Turnberry Isle Resort & Club and was always much-anticipated by South Florida foodies to mark the end of summer," said Phyllis Festinger, AIWF South Florida chapter executive director.

"We're thrilled about its return and are certain it's going to delight all who attend."

Chefs confirmed to participate in Sand Bake include Daniel Buss (The Fairmont Turnberry Isle Resort & Club), Gabriel Fenton (Bourbon Steak), Allen Susser (Chef Allen's), Tim Andriola (Timo), Johnny Vinczencz (Johnny V on Las Olas), Giancarla Bodoni (Escopazzo), Giacomo Dresseno (Primavera Restaurant), Michael Moran (FIU School of Hospitality Management), Terri Wallman (Le Cordon Bleu College of Culinary Arts) and Susan Sudaka (Sisters in Pink catering).

Summer wines and tropical drinks are sponsored by Premier Beverage, Republic National Distributing Co., International Wine Imports and BulletProof Wine & Spirits.

Admission is $80 for AIWF members and $100 for nonmembers, which also includes alcoholic beverages, tax, gratuity and valet parking. Attire is resort casual. All proceeds are contributed toward scholarships for culinary students across South

Grill on the Alley at Aventura Mall to host Strides for Safety kickoff ing from Macy's parking lot at Aventura Mall.

Proceeds from Strides A Strides for Safety for Safety benefit injuryCocktail Party is scheduled prevention research profor September 9th from 6 to grams at the William 8 p.m. at the Grill on the Lehman Injury Research Alley in Aventura Mall, Center in the Ryder 19501 Biscayne Blvd.

Trauma Center.

The event, organized by Registration for the the University of Miami Strides starts at 5:30 a.m.

Miller School of Medicine, A Safety Fair and Kids Fun will feature a silent auction, Zone are planned from complimentary drinks and 7:30 to 10:30 a.m. The fair appetizers. will include spot masItems up for silent bidsages, blood pressure and ding will include tickets to other medical tests, the the Miami Dolphins and Injury Free Mobile with other sporting events, a twosafety information for chilnight stay at the Miami dren and adults, a fire Beach Fontainebleau Hotel truck, a Coast Guard boat and gift certificates and for Safety Committee Co-Chairs Lisa and a bounce house for other items from event Strides Levine and Stephanie Ordet with Elana Perdeck (center) Executive Director, William Lehman tots. The UM Hurricane sponsors.

University of Miami Miller School of Mascot Ibis is scheduled to The party theme will Center, Medicine pass out medals and meet center on getting acquainted with youngsters. with some of the UM staff, under the banner For more information, call Katy "Meet Our Heroes: The Trauma Doctors."

305-585-1188 or visit The party is the official kickoff for the at Strides for Safety Green 5K Race & One-Mile firstgiving.com/stridesforsafety Walk at 7 & 7:15 a.m. September 13th, departBY LYNN CARROLL

Florida. Reservations are required and spaces are limited. To RSVP, call 305-663-9641 (Dade), 954-396-3875 (Broward) or email assnmgmt@bellsouth.net Special room rates are also available at the Mobil Four Star resort over Labor Day weekend starting at $139 per night, which includes free golf, excluding cart fees. Guests must reference the AIWF Sandbake when making their reservation. For room reservations, call 305-936-2929.

Crystal Rouhani named Aventura Mall Tourism Director Aventura Mall, South Florida's largest super regional shopping center, has named Crystal Rouhani as tourism director. In this position, she will spearhead the mall's tourism outreach and initiatives, including the center's First Class Shopping Savings Program.

Most recently, Rouhani served as director of marketing for Destin Commons, where she handled all aspects of the center's branding, strategic planning and marketing initiatives. She has also held the position of corporate marketing manager for Turnberry Associates' Retail Division, working on various marketing projects for the company's retail portfolio.

Turnberry owns and manages both Aventura Mall and Destin Commons.

"Crystal has been a highlyregarded member of the Turnberry Associates family for five years," said Oscar Pacheco, Aventura Mall's general manager.

"Her strategic marketing experience and keen creative skills, as well as her experience in implementing highly successful programs, will be of great value to Aventura Mall."

Rouhani received her bachelor's degree in business administration and marketing from University of Central Florida.

The mall is open Monday through Saturday, 10 a.m. to 9:30 p.m., and Sunday, Noon to 8 p.m.

For more information call 305-935-1110 or visit aventuramall.com or join the Facebook fan page.

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Snyder & Gonzalez goes to bat for young bus accident victim

BY LYNN CARROLL If you need an attorney who makes sure you get justice when you have been wrongfully harmed and injured, call on Aventura's Snyder & Gonzalez. The track record speaks for itself.

"We provide quality service to accident victims and seek appropriate financial recovery for the losses you have suffered," says Principal Barry Snyder.

In an ongoing case, Snyder is assisting a hard-working single mom whose high-school age daughter was thrown from a school bus out an emergency door that was left open while the bus driver accelerated. The 14-year-old was left lying in the middle of the street, unconscious.

The girl's distraught mother sought answers, but the Miami-Dade County School Board was not forthcoming. In fact, no one called from the scene of the accident to let her know what had happened. Her daughter now has a brain

injury, the loss of hearing in one ear, headaches and blurred vision in one eye.

"Where can a person in a situation like this turn?" Snyder asks.

"I like to feel that we're here for cases where there's been an obvious injustice and the victim has nowhere to turn because of the cost of legal services. When a case is legitimate, we're willing to step in."

Snyder and Gonzalez are pursuing answers from the School Board for the injured child and her mom, as well as seeking a fair settlement in the case to pay for medical expenses and future losses.

"When you call Snyder & Gonzalez," he says, "rest assured you'll receive the best legal care available -because we care. We also assist clients who've been arrested, protecting their rights and minimizing their exposure to punishment. Most of all, we provide peace of mind."

For information, call 305-919-9797.

Enrique Ciklik, M.D.: South Florida's premiere primary care physician Enrique Ciklik, M.D., who has been practicing in the Aventura and North Dade Community for over 15 years, has joined the practice of Safecare Medical Center.

Board Certified in General Practice, Dr. Ciklik is a friendly and accommodating primary care physician.

His affable demeanor and warm personality puts even the most anxious patients at ease.

"I enjoy the chance to work with patients of various origins and backgrounds, and Safecare Medical Center gives me that opportunity," comments Dr. Ciklik. Proficient in English, French, Russian and Spanish, Dr. Ciklik's linguistic skills have been an asset to the North Dade and South Broward communities.

Dr. Ciklik now practices exclusively at Safecare Medical Center's Hallandale Beach location, Monday through Friday. Originally founded in 1967, Safecare Medical Center offers a

pleasant, state-of-the-art primary care facility for Dr. Ciklik's General Practice.

Safecare Medical Center offers same day appointments, and evening and Saturday hours to all of its patients.

Dr. Ciklik promotes general wellness and an active lifestyle as primary steps to living a long and healthy life. He stresses education on the benefits of preventative medicine, immunizations and proper nutrition to his patients in Hallandale Beach, as well as through medical articles. His informative articles cover topics from guidelines for annual checkups to colon cancer awareness. "These aspects of healthcare are crucial, and commonly overlooked," says Ciklik, "I truly believe that education and awareness will help my patients live a happier and healthier life."

To read one of Dr. Ciklik's articles and for more information, visit Safecare's updated website at safecare.com or call 954-454-6300.

Aug. 26 - Sept.1, 2009

Dr. Jorge Sosa performs 100th Bariatric Surgery at Jackson North Medical Center's Weight-Loss Surgery Center Currently, one in three adults in the United States is overweight.

When diet and exercise don't help people shed the excess weight, many in South Florida turn to Jorge L. Sosa, M.D., leader of the WeightLoss Surgery Center at Jackson North Medical Center, for help. Dr. Sosa, a well-known surgeon, recently celebrated his 100th case at the new weight-loss center. He has performed more than 1,800 cases throughout his career.

"Our program has a holistic approach that provides patients with psychological counseling before and after the surgery, personalized nutrition and fitness plans as well as vitamin supplements," said Dr. Sosa. "We understand that weight-loss surgery is a life-changing step. Our caring, compassionate team includes trained surgeons as well as staff members who guide people through the process and help ensure their needs are met."

Dr. Sosa is specially trained to perform gastric bypass procedures through a laparoscope, thus improving recovery time and leaving much smaller scars. The surgery takes approximately one to two

hours and some patients are able to return to work in approximately two weeks. Dr. Sosa's staff works with each patient to create their own individualized strategy to achieve their weight-loss goals.

Jackson North Medical Center is a 382bed acute care center located in North Miami Beach that serves the residents of north Miami-Dade and south Broward counties. The center offers patients convenient, compassionate care close to their homes and, through the affiliation with the world-class Jackson Health System, access to a network of some of the best doctors in the country in a wide range of specialties.

If you think you might want to take this life-changing step, come to a free information session at Jackson North on the first Thursday of each month at 6:30 p.m.

Reservations for the information sessions are requested. To reserve your space or for more information, call tollfree 1-866-931-8746. For more information on Jackson North Medical Center, visit JacksonNorth.org

Miami Dade College North Campus receives grant award from the Florida Department of Education The Florida Department of Education, Division of Workforce Education, Adult Education and Family Literacy-State Leadership, English Literacy/Civics Education, just announced a significant grant award to Miami Dade College (MDC) North Campus to support Community Education's English Literacy and Civics Education Project in the amount of $250,000 for a period of one year.

The English Literacy and Civics Education Project will provide support for predominantly minority institutions in effecting long-range improvement in English language learners incorporating English literacy and civics education.

"This grant will guarantee the continuation of the College's commit-

ment to the citizens of Miami-Dade County. MDC will continue to provide an extensive curriculum targeting English language, workplace success, citizenship, and civic participation through the Community Education Department at the North Campus," said JosĂŠ A. Vicente, president, MDC North Campus.

MDC has significantly expanded its resource development efforts, securing millions of dollars in grants from all levels of government. These programs, linked to civic education, help individuals of limited English proficiency achieve competence in the English Language.

For more information, visit mdc.edu

Aug. 26 - Sept. 1, 2009

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Life in the City

BY BARI AUERBACH What did you eat today?

If you took the time to write down everything you had to eat today would you be able to put it on a “recommended diet plan” or would you be more likely to want to hide the list from a professional nutritionist or personal trainer? If the latter is true, here are some suggestions that could help turn a day of “eating and cheating” into a more “euphoric less caloric” feeling of fitness accomplishment: Breakfast: It’s not always about what you eat - but what you didn’t eat can be just as detrimental. For example, if you didn’t have breakfast this morning, you missed out on the opportunity to start the day by kickstarting your metabolism. Even if you’re not hungry or running late, it’s important to make time to eat something – but definitely not anything akin to a Denny’s Grand Slam artery clogging combo. An ideal breakfast could be comprised of egg whites for protein, a low-glycemic carb like oatmeal and a high-antioxidant fruit like blueberries. If you take a metabolic typing test and find out you’re a protein type that functions optimally with less carbs, you can replace the oatmeal with some avocado slices and enjoy the energy surge you’ll feel at least until it’s time for a mid-day snack.

Lunch: If you had a cheeseburger and fries for lunch yesterday and don’t feel like doing an hour of cardio to make up for it today, here’s how you could have modified your menu: Instead of a

cheeseburger, a veggie burger, turkey burger or grilled chicken sandwich on a wholegrain bun would have been a better choice, accompanied by a sweet potato or brown rice and side order of vegetables or a salad (hold the croutons and fattening dressing).

Dinner: Didn’t take the time to cook and ordered take-out instead? Even if you dinner is going to be delivered, there’s still a way to order to make the last meal of the day one of the most healthful. If you’re getting Chinese – the key word is “steamed”; if you’re getting Italian, “sauce on the side” and “grilled not breaded” can help save countless calories; and if you absolutely must have the pizza, just eat one slice and by all means don’t wake up in the middle of the night and eat what’s left in the box - cold!

Snacks: If chips and dip, cookies, ice cream and candy bars were the snacks around the office or house that you indulged in, dump all that’s left into a big box and put it outside in the “junk” pile.

Then, fill your desk drawers, cabinets and fridge with healthful replacements like fruits, organic nutbutter, multigrain crackers, low fat yogurt or string cheese and protein powder for making onthe-go shakes.

Beverages: Forget the frappucinos! Although it’s ok to indulge in high-caloric beverage treats every now and then, many people don’t realize how insidious beverage calories can be and how quickly they add up to added inches. So instead of soda teaming with sugar, opt for green tea and in lieu of beer, an acai berry flavored water could really help you get that six-pack you’ve always wanted!

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Aug. 26 - Sept.1, 2009

Melnick Lilienfeld & Castonguay CPAs, helps clients through new tax environment, says Partner Robert Lilienfeld LYNN CARROLL

PROVOCATIVE QUESTIONS FOR PROVOCATIVE PEOPLE LC: There's a lot of talk about tax changes. What do you see ahead on that front?

RL: We expect tremendous tax changes in the next year or two - probably not positive ones, from a CPA's point of view. In addition to income tax adjustments, there's discussion of a surtax of 2% on the wealthy. Payroll taxes are going up. There's talk of a value-added tax, or national sales tax. We all hate to see taxes go up, but we hope it will motivate people to focus on the subject of tax planning. That's where Melnick Lilienfeld & Castonguay can help.

LC: When should people start tax planning?

RL: Tax planning is a process, not a once-a-year event. It's something that should be ongoing - and this year it's more important than ever. Yes, the last year has been a financial roller coaster and a difficult time. At Melnick Lilienfeld & Castonguay, we believe that with the right reactions to these problems, you can soon put yourself in a position of being better off than you were before. Don't blame, be proactive. Today is the first day of the rest of your life. Make it a healthy and successful one.

LC: Who are Melnick Lilienfeld & Castonguay?

RL: I've lived in South Florida for 58 years; my entire professional career has been here. My partner Michael E. Melnick has lived here almost as long. I specialize in tax and wealth building, while Michael concentrates on business operations and accounting issues. Earlier this year we made Suzi Castonguay a named partner. We wanted to give some youth and longevity to the firm. Suzi has been associated with the firm since 1989. She's a tax specialist in estates, trusts, and corporate and individual tax preparation, as well as a Quickbooks consultant.

We think it's a good combination. We like to say we're large enough to provide clients with a wide range of specialized services, but small enough to know a business on a personal level.

For more information, visit Melnick Lilienfeld & Castonguay, 2670 NE 215th Street, Aventura, call 305- 9371040 in Miami-Dade or 954-943-1040 in Broward, or visit mltaxcpa.com

Local ballet instructor Vladimir Issaev awarded Best Arts Educator in Florida Vladimir Issaev, artistic director of Arts Ballet Theatre of Florida was recently awarded the Arts Education Professional award for 2009 by the Florida Alliance of Arts Education (FAAE).

FAAE has united educators, artists, community leaders, concerned citizens, arts education organizations, arts institutions and corporate partners to ensure Florida's students a complete education that includes the arts. The award recognizes outstanding professionals whose dedication and contributions have benefited Florida's arts education programs and the students they serve. Issaev has shown outstanding leadership to the dance community and brought arts alive through ballet performances and educational programs in local schools.

Vladimir Issaev is a world renowned ballet master and choreog-

rapher. Originally from Russia, and recently an American Citizen, he graduated from the Choreographic School of Voronezh. Issaev has served as Artistic Director at the Choreographic School of Frounze and Ballet Master of Ballet Nacional de Caracas Teresa Carre単o and until 2002 he worked as Ballet Master for Miami City Ballet School. He has choreographed ballets in Russia, United States, Puerto Rico and Venezuela.

"This is certainly a great honor and this award encourages me to continue working with pleasure in what I know best to do," says Issaev. "I am committed to give the best art education to the youth in our community."

For more information about Arts Ballet Theatre and Aventura Dance Academy, call 305-935-3232 or visit artsballettheatre.org

Aug. 26 - Sept. 1, 2009

ASK DR. RUTH

BY DR. RUTH WESTHEIMER

Love Him In Glasses Q: My wife and I are in our early 40s and have been married for 15 years. My wife is extremely nearsighted and has worn thick glasses for many years. I was moderately nearsighted. Several years after our wed ding, I switched to contacts. She immedi ately became distant and our sex life dropped from fabulous to zero. After much persuasion on my part, she admitted she was turned off because I was not the man she married. I immediately got rid of my contacts and as if a light switch was turned on, ou sex life returned as it was, if not bet ter. Over the years my nearsightedness has regressed and I wear only a very light pre scription. My wife desires that I wear a pair of my old “coke bottles” in bed when we have sex, as she says it is a real turn on for her. I have no objection, as the reward is great. What I am concerned about is the possibility of some type of mental illness. I am in dire need of your response.

A: We do not know what causes fetishes, but in general a mild fetish such as the one your wife has causes absolutely no harm. Since you

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have no objection to wearing your old glasses when you have sex, my advice is for you to put aside any thoughts of mental illness and just enjoy having sex with your wife.

Q: I have been married for 32 years and am 50 years old. I have a wonderful husband, and I consider myself very fortunate. I am not turned on thinking of men but by thinking about women – naked, with their legs apart. If I see an X-rated movie, I am turned on by the women, so much so that the last time I went into the bathroom to masturbate.

As I am getting older, I am questioning my sexuality. I do believe that if I was alone, I would live with a woman. I don’t know where to turn. I am in therapy, and I don’t understand why I am like this.

A: Since you are in therapy and are still writing to me, I must conclude that this therapy is not helping you. Perhaps the reason is that you are looking for a solution when you already have one. Let me explain. You have been married for 32 years and do not want to leave your husband. On the other hand, you are turned on by women. What you have been doing is staying with your husband while thinking about women, and this has allowed you to remain married and be sexually satisfied.

If you can’t do that, if your attraction to women is just too strong, then one day you may have to leave your husband and change lifestyles. But for now, why don’t you just try accepting the way you are living and see what happens.

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Aug. 26 - Sept.1, 2009

Aug. 26 - Sept. 1, 2009

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Aug. 26 - Sept.1, 2009

Kitchen 305 hosts 'classic food & rock' networking event for

Jon Kidd, Stuart Tucker, Keith Owen, Banyan Life Financial

David Blauner; Michael Shear, Scott Shear, Peter Fresco; Wells Fargo Advisors - Shear Golden Investment Group

Brad Friedman, Florida Insurance Associates; Yasmin Babain, Attorney; North Dade Bar Association President JD Underwood, Law Office of Russel Lazega; Greg Blackburn

Lenny Markus, Minuteman Press; Aldo Ferri, ASAP Services; Stephanie Schmulian, Sapoznik Insurance & Associates; Luis Luciani, ASAP Services

Nicholas and Maka Gnad, Beachwood Financial Group; Andrius Adams, My Netkey; Alex Berman, ASAP Lock, Safe + Key; Jentry Redinger

Susan Rose, State Farm Insurance; Gigi Torres and Zita Wilensky, Palm Gardens

Dr. Adam Carson; Silvia Ferri, Acquamare; Dr. Josh Coussa, Dental CareGroup

Marvin Cashion, Cashion ADR; Henry Castro and Francisco Castro, Klein & Hoffman

Sydney Davis, Top Shelf Artists; Ben Launerts, Marksman Security; Alexandra Teste, Salon Serenity

Harold Foster; Samantha Ruiz Cohen, Candidate for Circuit Court Judge; Dimitry Shaposhnikov, DS Xpress

Aug. 26 - Sept.1, 2009

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Aventura Marketing Council and North Dade Bar Association members

Eileen Glastein, Bnai Zion Foundation; Attorney Russel Lazega with wife Leslie

Jesus Soto, Coconut Grove Bank; Jessica Parker and Jim Konschnik, Florida Breast Cancer Coalition Research Foundation

Jamie Lindberg, Filene's Basement; Caryn Rae Robin, CafĂŠ A GoGo; Steve Schatzberg, Telecom Management

Carol Christmas and Cal Campos, Nordstrom; Dinah Silver and Dr. Craig Silver, Center for Advanced Medical Care

Betty Roffwarg, HR Matters; Arnold Goldman, The Alternative Board; Anat Goldstein, The Credit Council

Stefanie Galiardo and Carole Romero, Salon Serenity flank Rachel Charlupski, The Babysitting Company

Bob Cahn, AFLAC; Lourdes Torres and Annabel Brewster, MGN Healthcare Services, Alex Berman

Jentry Redinger, FastCare; Mitch Blum, Southern Audio Visuals; Oscar Llorente, Mount Sinai Medical Center

Ian Kramer; Lynda Peeler; Michael Shear, Wells Fargo Advisors; Shari Lynn Rothstein-Kramer; Dan Palmer, Aventura News

Howard Adler, Attorney; Linda and Dr. Richard Galitz; Eric Beck, IT Doctors

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Aug. 26 - Sept. 1, 2009

Obama administration goes after tax cheats

BY STEVEN N. KLITZNER Just months into office, President Barack Obama has publicly announced the targets of his administrations.

Among President Obama high-value targets are tax cheats who hide money in overseas bank accounts. On May 4, at the White House Grand Foyer, President Obama laid out his new measures to go after tax cheats, no matter where they stash their cash.

“One of these measures would let the IRS know how much income Americans are generating in overseas accounts by requiring overseas banks to provide 1099s for their American clients, just like Americans have to do for their bank accounts here in this country,” Obama said. “If financial institutions won't cooperate with us, we will assume that they are sheltering money in tax havens, and act accordingly. And to ensure that the IRS has the tools it needs to enforce our laws, we’re seeking to hire nearly 800 more IRS agents to detect and pursue American tax evaders abroad.”

Now, that’s big news in the world of tax

compliance. Not only does the Obama administration want to force overseas banks to disclose the holdings of U.S. customers, but it also plans to hire 800 new agents to sniff out tax cheats living on American soil.

For those who thought Obama would be easier on tax compliance than President George W. Bush — who made a name for himself as an advocate for aggressive tax compliance — they received a rude awakening in May. In fact, Obama has positioned himself to be even more aggressive on tax cheats than his predecessor.

So if ever the U.S. government sounded a warning to tax cheats, it came in May, when Obama declared a sort of war on those who refuse to pay their fair share. If you are among them, now is a good time to come forward and wave the white flag.

Steven N. Klitzner is a Certified Tax Resolution Specialist, a member of the American Society of IRS Problem Solvers, a consulting member of the Tax Freedom Institute, and an Aventura attorney. You can contact him at 305-682-1118 to obtain a free subscription to his newsletter titled The IRS Times & Inquirer or visit his website at www.FloridaTaxSolvers.com.

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AVENTURANEWS.COM

Page 15

Page 16

AVENTURANEWS.COM

Naples – Almost in your backyard

Aug. 26 - Sept. 1, 2009

Housing in Miami: Is it better to rent or buy?

Al Sunshine 4 YOUR MONEY If recent studies are accurate, American lifestyles will be changing enough that more families may be renting their homes in the future rather than owning them. So what is the best choice when it comes to renting or buying?

It used to be a harder decision, but our current economic problems are making the dream of buying a home or condo just too expensive. USA Today reports the latest research shows home ownership is dropping from a recent household high of 70 percent just five years ago to a projected 63.5 percent over the next decade.

Ester Achee is a Miami renter who says she can’t afford a home’s extra monthly payments because, as she says, “I really can’t afford all the costs... so for me it’s cheaper.”

So why exactly is renting getting to be a better option? One reason may be that because families are getting smaller, they’re not tied down trying to resell

their home and rentals are becoming easier to find.

But Sandra Gonzalez is still happy with her home. “I bought it four years ago and it’s a good buy,” she said.

“Everyone wants to live in Miami.”

So what’s best for you? Financial Planner Matt McGrath says it depends on how long you want to stay where you’re living. “Think five years,” he suggested. “If it’s less than that you should consider renting, but if it’s over five years, seriously consider buying.”

Before you make any decision, it’s also a good idea to check with your own financial planner or tax accountant to see what impact a purchase or rental could have on your next tax return.

In fact, these studies already are having an impact across the America.

Residential construction is beginning again in many parts of the country.

Multi-family apartments are leading the way with new home construction expected to lag behind.

Builders and developers are betting that rentals remain hot properties for a long time to come.

Watch Al Sunshine’s “4 Your Money” reports Monday-Friday beginning at noon.

You may find Al’s blog at <www.cbs4.com/4yourmoney>.

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Aug. 26 - Sept.1, 2009

AVENTURANEWS.COM

Rage

Page 17

Thinking About Selling Your Home,,,

BY PATRICIA C. FRANK

“Do not go gentle into that good night, Old age should burn and rave at close of day; Rage, rage against the dying of the light.”

There are different interpretations for this poem. One interpretation might be offering encouragement to people to live their life to the fullest right up until the very last moment. So many people stop living before the end. They allow their world to become narrow and restricted. They give up. They think it’s over long before it is over.

Another interpretation of the poem might be encouraging individuals to fight to the end and to resist death. It suggests that they do everything to continue to live.

It suggests that they take advantage of new medicines and new procedures to survive as long as they can. “They should rage against the dying of the light.” That rage seems to be a positive rage.

There is, however, another kind of rage that can occur in the later years. There are certain people who become angry as they age. They are not just cranky, they are angry. They seem to be constantly in a rage against everyone and everything. They do

not like the changes that take place as they age. Instead of just raging at the decline, they rage at everyone and everything. They even find that they are angry and annoyed with their family, friends and caregivers.

They resent the fact that they have lost some of their independence. They are angry that they have to rely on others. They have difficulty adjusting to the lack of respect and lack of dignity that the world may show them. They are angry that they have to go and others may continue to live and be well. They are angry because they may not be ready to go. They may feel that they have not experienced everything that they wanted to enjoy. They may feel that they have not accomplished their goals.

These individuals make others feel uncomfortable with their anger. They are not grateful for the good things that have happened in their lives. They only see the negatives. If you mention anything positive they will definitely get angry with you.

There is not much you can do to change their mind. The only thing you can do is to make a resolution that you will not be like them. Decide now to change whatever is necessary to avoid becoming and angry person raging at the world.

Patricia Frank is a Licensed Psychotherapist. She can be reached at 305-788-4864, 212-308-0309.

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Page 18

AVENTURANEWS.COM

Aug. 26 - Sept. 1, 2009

2009 GMC Sierra Hybrid delivers better fuel economy Ron Beasley AUTOMOTIVE EDITOR

LET’S TALK CARS The GMC Sierra Hybrid is a good-looking full-size pickup with all the power and performance needed in a big truck; it also gets excellent gas mileage.

Credit the power and performance to the big 6.0-liter gas V-8 engine under the hood, but chalk up the efficiency to pairing that engine with GM’s patented twomode hybrid system. For the record, the Sierra Hybrid delivers 21 mpg in the city and 22 mpg on the highway for both the 2WD and 4WD models, and the 26-gallon fuel tank allows a cruising range of more than 500 miles. That’s a 40 percent increase in gas mileage for city driving (25 percent overall) over non-hybrid models. Yet, the Sierra Hybrid still has the capability of a full-size pickup, including towing a 6,100-pound load (5,900 pounds for 4WD models).

The Sierra Hybrid is available in the

Crew Cab body style on both 2WD and 4WD models and comes standard with StabiliTrak electronic stability control, a locking rear axle and a trailering package. Dual-stage frontal air bags and head curtain side air bags are also standard.

The Sierra Hybrid’s fuel-saving performance is derived from GM’s advanced Electrically Variable Transmission (EVT) and 300-volt nickel-metal hydride Energy Storage System (ESS), which work with the standard 6.0-liter V-8 gasoline engine with Active Fuel Management (AFM) and late intake valve closing (LIVC) technology. GM’s hybrid system not only enables the Sierra to launch and drive up to 30 mph on electricity alone, it allows the Vortec V-8 to operate in the more economical V-4 mode for longer periods. As part of the vehicle’s emission control system, the ESS is warranted for eight years/100,000 miles.

In the Sierra Hybrid, the hybrid system itself generates the electricity used to propel the vehicle. When the brakes are applied or the vehicle is coasting, the electric motors within the hybrid system create electricity that is stored in the 300volt battery pack beneath the rear seat.

The stored energy moves the vehicle and

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The hybrid system provides seamless, dependable power on demand and in an efficient package. The electric motor is less than half the size of those in singlemode hybrid systems. The technology was developed and is still used in fleets of hybrid transit buses operating in more than 70 North American and European cities, and scaled down for use in passenger vehicles. Integration of the hybrid system on the Sierra is seamless and quiet.

The Sierra Hybrid shares the hybrid powertrain with several other GM vehicles, including the Chevrolet Silverado and Tahoe, Cadillac Escalade and GMC Yukon.

Base price on the 2009 GMC Sierra Hybrid 2WD is $38,390.

Ron Beasley is the automotive editor for Miami’s Community Newspapers. He may be contacted by calling 305-662-2277, ext. 261, or by addressing email correspondence to <LetsTalkCars@aol.com>.

Aug. 26 - Sept.1, 2009

AVENTURANEWS.COM

Page 19

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AVENTURANEWS.COM

Aug. 26 - Sept. 1, 2009

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AVENTURANEWS.COM

Page 21

It’s Not Too Early to Start Planning Your Estate

BY CURT HAGEDORN When you say Estate Planning, it causes a variety of reactions. Some people think it doesn’t really apply to them because they don’t have “a lot of money” or property. Others don’t want to think about what’s going to happen after they die, and still others think it’s something to start thinking about after retirement. Like most financial matters these day, however, estate planning is something to get into early, learn as much as you can about and revise and refine as you go along. Life is nothing if not full of random occurrences, and though you may be in your 30s with a new home, two new kids, a great career and a long life ahead of you, not anticipating what may be around the next corner is a gamble you and your family really shouldn’t take. Estate planning encompasses a number of things.

• Investments. If you want to make sure your family is taken care of when you’re gone, you need to begin investing in their future now. From real estate and mutual funds to items like art, antiques and collectibles, think about your estate as a litmus test for purchasing things that will maintain or increase their current value – of thought and wisdom rather than

impulse. Even something as simple as driving safely and maintaining your car is in some sense an exercise in estate planning – avoiding risk and maximizing value, be it financial or strictly utilitarian. In any case, estate planning is a matter of making longterm investments, of buying low and selling high to a certain extent, and of maintaining the value of your investments, whether they’re mutual funds or real estate.

• Insurance. In general, the younger you are when you begin paying into an insurance plan, the better the rate. So begin looking into insurance now – you’ll be surprised how much more your monthly bill for the same coverage will be ten years hence. Types of insurance to look into include, of course, homeowners, personal property and life insurance, as well as various types of disability and long term care insurance should you become incapacitat-

ed and unable to work. Make sure you understand the terms of your insurance – while more expensive, insurance policies that increase in value over time may be a better investment than those which, for example, expire when you’re 85. If, however, you’re starting late at getting insurance, such “term life” policies may be worth a gamble.

• Lawyers, accountants, investment planners.

Finding a good lawyer, a good accounting and a good financial advisor in whatever combination can be worth its weight in gold, and it’s a good idea to start young. Checking your college alumni association, asking friends and colleagues and reading financial publications, particularly local financial news, are all good ways of identifying potential professional help. Find people and companies you can trust and stay with them – these are, next to your immediate family and work, the most important rela-

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• Wills, Powers of Attorney and other legal documents. Again, the earlier you make these arrangements the more protected and secure you, your family and your assets will be. Though there are often a lot of emotional issues around creating a will and contemplating your own or others mortality, try thinking of these things as constantly changeable documents – and treat them that way based upon changes in your own life, from buying property to getting a divorce to having another child.

Making sure your will and other documents are up to date for you, your spouse, and your family is perhaps the simplest and least time consuming of all Estate Planning chores, and can greatly increase the sense of security that both you and your family have against unforeseen events.

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Page 22

AVENTURANEWS.COM

Aug. 26 - Sept. 1, 2009

Finding Part Time Work to Supplement Your Income

BY AMANDA KNOLES In years past it was common to work at one company for an entire career and spend the retirement years traveling, playing golf, or pursuing hobbies. Today with increasing financial demands and changes in social security laws raising the retirement age above 65, many Baby Boomers expect to work at least part time during their retirement years. After decades of being on the fast track in the working world, some people find it hard to stop working abruptly at retirement and prefer to keep busy in another job at least part time.

A skills-based resume is an effective way to highlight your experience and accomplishments without calling attention to your age. Try to list skills that can apply to a variety of positions such as supervising others, customer service, making sales calls, organizing databases, research, budget management, etc. Don't forget to list any volunteer or management experience you may have even if it was in unpaid positions.

When you begin your search for a part time job it's a good idea to approach smaller businesses and nonprofit organi-

zations that have a tendency to be more flexible in hiring older workers. If you enjoy working with kids, consider applying to work as a teacher's assistant. There is a huge demand in private and public schools and many school systems allow onthe-job training. You may be able to transfer your business skills into a consultant position. Talk with past work contacts and associations within your industry for leads on part time financial, marketing, project management and other opportunities.

Many mature workers who have spent years in office jobs enjoy expressing their creativity in a part time job related to a favorite hobby. If you love antiques, you might consider working at an antique shop or helping a local dealer acquire and appraise new inventory. Gardening enthusiasts might work for a florist, a home and garden shop, or for a landscape designer. Even if you aren't skilled at floral or garden design, many florists and nurseries need people to work part time making deliveries and taking orders especially during busy seasons like Valentine's Day, Mother's Day and Christmas.

If you enjoy working with people, talk with your local bank about becoming a

new accounts representative, teller or financial consultant. Museums, amusement parks, casinos, resorts and restaurants are always in need of friendly people to work as tour guides, ticket takers, servers, etc. Avid readers or music fans are a natural for working in bookstores and music shops. Or put your knowledge as a movie buff to work at a video rental store.

Many hotels, retail stores, apartment complexes and businesses hire seniors to work as security personnel or as information agents for a front lobby. Those with a background in security or police work may find part time work as a security screener at the airport. Contact the Transportation Security Administration for more information or check with your local airport authority for details on positions that may be available.

Travel enthusiasts may want to look into tour guide opportunities or even teaching English abroad. Many airlines also employ mature workers to work as airport reservationists, food preparation staff, baggage handlers, or to staff reservation call centers. If you worked for years in a construction job and no longer want to wield a hammer and saw, you may be able to transfer your years of experience on job

sites to a new position involving project management or supervising inventory.

It is important to convey how your years of experience in other industries can benefit a new company. Talk about transferable skills that relate to the job at hand.

Be convincing about your ability to adapt to new situations and use your time in an interview to demonstrate your pleasant personality and willingness to work with others. Don't forget to mention hobbies, interests and volunteer experience. For example raising funds for a charity is relevant if you are applying for a sales job.

Be prepared to address employer comments that you are overqualified for a position. You might explain that you are looking to expand your knowledge by exploring a different field. It is against the law for employers to discriminate because of age but you may have to address subtle references to it. Let the employer know that you are enthusiastic, computer literate (if applicable) and open to learning new things. Be honest about explaining any gaps in your employment. If you took time off to care for a spouse, or you were laid off, explain the circumstances and emphasize that you are ready to return to work.

Aug. 26 - Sept. 1, 2009

AVENTURANEWS.COM

Insuring Good Health for Retirees

BY SARAH KOCH While there are a number of good things about getting older, obtaining adequate health insurance isn't one of them.

According to the Employee Benefit Research Institute (ERBI), only about 37 per cent of those retiring before age 65 will continue to have now former-employerbased health coverage, and only 27 per cent of those who retire at 65 or older will do so. Even if you're thinking that retirement for you is a long way off, just know that, according to experts, Medicare will run out about 2030.

Even if you fall into one of the above minorities, you'll probably be required to pay full premiums, which can be a shocker.

Still, though, you'll be paying a group rate, not individual, and you'll likely be getting broader coverage than you would with an individual policy.

Even if you're told that your -- and your dependents' -- coverage will end on your last day with the firm, check to see if the federally based COBRA law applies.

Under COBRA, certain businesses must offer their former employees insurance coverage, even if at full premium.

Excuse me, but haven't you ever heard of Medicare?

Indeed I have, Smarty-pants. But Medicare, on the average, covers less than 50% of a senior's health costs. And that fact brings us to Medigap (Medicare Supplemental) that can be used to fill in some of the cracks. In order to get it with a minimum of fuss (i.e., no physical exam, or questions about your health) be sure to apply for it within six months following your 65th birthday. Medigap offers ten individual and varied plans, each with the same minimum benefits.

If you think it's likely you may need longterm health care (whether in-home or in a nursing home), be aware that Medicare covers only about 10% of such expenses in the US. That's when you might turn to Medicaid. To qualify for this, though, you have to fall below the poverty line, which measurement varies from state to state.

OK, grim though that this all may sound, buck up, Sparky! It's not like there aren't options.

Options, did you say?

Yep. To begin with, you could try putting aside enough to cover those possible health/long-term care expenses. Per the ERBI again, that would mean saving up about one million dollars to cover such potential costs over the remainder of your life following retirement. This amount, of course, doesn't include what you'd need for your everyday expenses. Yes, I know – yipes! Well, thank heavens, that’s not the only choice.

So, if your former employer drops you altogether, you can look into private insurance policies (expensive) or a group insur-

ance package, which would prove more economical. Then again, there may be more options.

Such as: How do you feel about further education? You might be able to acquire health coverage by returning to school. Many junior colleges and universities offer relatively inexpensive insurance for their students, and you may only have to take a couple of courses a semester to qualify, just as long as you're building towards a degree.

Have you wanted to move? I ask because health insurance costs vary from state to state. (This is true for auto and home insurance as well.) The bright side here is that this is true, even for people who are already suffering from ill health. At that, there are countries in both Latin America and Europe with socialized health care, though there could be either a period of residency that must be met, or you may have to marry a native. Then again, that may not be such a sacrifice.

Travel is so broadening . . . and would make you eligible for traveler's health insurance.

Then again, for those of you in the military, check out TRICARE. Also, have a thorough physical before your retirement date, and fully document any injury you received while serving, however minor.

(What's trivial seeming now could develop into something more serious in the future.) In addition, to protect your chances of a successful later claim, also note any preexisting conditions that became aggravated during this period. If you don't have such evidence, then you may be unable to make a successful claim later on. Even if you eventually pick up insurance from another employer, as a veteran, you may be qualified for special benefits, so investigate fully.

At that, for those who retire too early to qualify for Medicare, there may be the possibility of "interim" insurance.

In fact, depending on your given profession, and the state where you live, there may be special options open to you, so don't fail to ask questions!

A few last words . . .Before beginning your search for the most appropriate coverage, ask yourself the tough questions. " What kind of health coverage might I need?" (There's no need to pay for what you won't likely use.) "What's my family history like?" If heart problems, say, run in the family, then it would be smart to plan for that eventuality.

As for advice, you're not in this alone.

Contact a trusted insurance agent, scour your Yellow Pages for a local agent, or call the American Association of Retired Persons, also listed in your phone book.

Any of these folks can help steer you in the right direction, answering your questions, and even helping you to decide what questions to ask.

Page 23

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AVENTURANEWS.COM

MARCOS E. MALDONADO, M.D. Clinical Professor University of Miami

Aug. 26 - Sept. 1, 2009

Creating A Living Trust

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One of the more popular ways for individuals to arrange for the disposition of their assets after death is the establishment of a “revocable living trust.” In the simples possible terms, this is the creation of a separate entity – My Living Trust, for example – which assumes titular ownership of all of your assets during your lifetime and which is under your control as Trustee. Anyone whom you wish to benefit equally in the distribution of the assets is listed as a subsidiary Trustee and, upon your death, Trust assets automatically devolve to these individuals (or other entities) without being required to go through probate.

Though this is the simplest way of understanding how a Trust works, remember that, depending upon your assets and financial/personal situation, there may also be other avenues of estate planning of benefit to you and your family, and that it is best to get the advice of a reputable estate planner and/or lawyer before proceeding with any legal actions concerning your estate. Here are a few things to keep in mind about Trusts: • The words Revocable Living Trust describe exactly why they have become so popular – it is a way of retaining control over all your assets while your are still living, can be revoked by you at any time, and yet basically places your entire estate or any part of it you decide to include in “Trust” for your beneficiaries after death.

If your wishes for the distribution of your estate are more complicated than that, you will need to consult your lawyer about other options.

• Many assets, including bank accounts, your home and your car, can be designated as POD or “Payable On Death” to one or more individuals, thus also avoiding probate and perhaps obviating the need for a Living Trust. These rules vary from state to state, and you should check with your lawyer to make sure that these options can be exercised and if the consequences vary from establishing a trust.

• Normally, the establishment of a Revocable Living Trust also requires the establishment of a successor Trustee/Trustees (which in many cases is the beneficiary, for example, in the case

of a spouse when there are non-marital assets) as well as a Power of Attorney, Living Will and Last Will and Testament.

These documents together basically seek to deal with any contingencies – a Power of Attorney designates a person or entity to be in charge of your assets should you become incapacitated and unable to handle your own affairs, a Living Will allows you to exercise your right to refuse extraordinary resuscitation measures and often designates an individual responsible for “pulling the plug” should you be on extended life support and of course, your Last Will is not only your final opportunity to communicate with your loved ones regarding your wishes concerning your assets but also can designate your wishes for disposal of any property not covered by the Trust, Again, this is the simplest way of understanding these documents, and they can contain many variations and contingencies which should be determined with the help of a qualified legal representative.

• Remember that a Revocable Living Trust is different from a Trust Account – a Trust Account being a specific financial account set up to hold monies or assets in trust for a variety of reasons. For example, lawyers often have a number of Trust Accounts set up to receive retainers and other fees from clients for work that has not yet been performed, or to receive settlements, which then will be disbursed to clients.

• Whatever type of retirement planning you decide to do, do not procrastinate. It is better for both you and your loved ones to have these matters clearly delineated with no confusion whether you’re starting out or anticipating the end of your life.

• In today’s complicated financial world, the same thing applies to your finances as applies to your health – get a second opinion. If you do not understand some element of your estate planning, consult another professional. Also, don’t forget that your local bookstore, library or college and university has information and classes that can help you get a foundation of knowledge about estate planning.

Aug. 26 - Sept. 1, 2009

AVENTURANEWS.COM

Page 25

Quick response time by neurosurgeon reverses patientâ&#x20AC;&#x2122;s paralysis after stroke

BY LEE STEPHENS Nora Olarte felt like her head was going to explode. Her body became numb, and she was fearful of having a stroke.

Olarte had reason to worry: stroke is the leading cause of long-term disability and the third leading cause of death according to the National Institutes of Health.

She was rushed to Aventura Hospitalâ&#x20AC;&#x2122;s emergency room.

Neurosurgeon Santiago Figuereo, M.D., who takes Emergency Department on-call duty at Aventura Hospital, knew he had to act quickly. Dr. Figuereo is specially trained to quickly diagnose and treat patients who are brought to the Emergency Department where he performs unique, state-of-the-art minimally invasive surgeries of spine and brain disorders not currently available in South Florida.

Dr. Figuereo was notified immediately and was even able to view Olarteâ&#x20AC;&#x2122;s MRI scan from his computer at home. Upon review of the scan, he diagnosed bleeding in Olarteâ&#x20AC;&#x2122;s brain and had her prepped for emergency surgery to repair the blood vessel in her brain. â&#x20AC;&#x153;With emergencies involving the brain and spine â&#x20AC;&#x201C; such as strokes or aneurysms â&#x20AC;&#x201C; it is essential that we respond quickly,â&#x20AC;? said Dr. Figuereo. â&#x20AC;&#x153;Response time can mark the difference when cutting the risk of death or permanent disability. Many stroke patients donâ&#x20AC;&#x2122;t get the chance to fully recover because they are not treated quickly enough.â&#x20AC;?

Olarte had a rupture of a blood vessel

Dr. Santiago Figuereo â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;â&#x20AC;&#x201C;

in her brain, which lead to a brain bleed.

If the bleeding was not caught and treated in time, she would have been permanently paralyzed. She is now completely recovered and living a normal life. â&#x20AC;&#x153;I was having a stroke, and half of my body was paralyzed,â&#x20AC;? said Olarte. â&#x20AC;&#x153;If it werenâ&#x20AC;&#x2122;t for the quick response time of Dr. Figuereo, I could have been permanently paralyzed.â&#x20AC;?

For more information, office locations, or to schedule a consultation with Dr. Figuereo, visit <www.miamini.com> or call 786-623-2000.

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AVENTURANEWS.COM

Aug. 26 - Sept. 1, 2009

Tips For Saving Money on Health Care

BY AMANDA KNOLES Health care costs are climbing at an alarming rate but there are many things you can do to save money. You can't change your age to lower the cost of your insurance premiums but you can lose weight and stop smoking. Being a nonsmoker could reduce your premium by 25-30 percent. And losing 10-20 pounds could also lower your rate.

Where you live can also make a difference in your insurance premium. Check out the different prices in nearby cities and you could see a difference of six percent or more. Most insurance companies set rates based on how many claims are filed within a region. A local insurance agent can help you access the rates for different zones.

Group coverage is always a better deal than individual insurance. If you no longer have employer-sponsored insurance or you are working part time for an employer who doesn't provide insurance, check to see if joining a local or national organization might help you qualify for group insurance rates. The annual fee you pay in membership may be well worth the savings you receive in health insur-

ance premiums. AARP offers a couple of insurance programs to help those under 65 who don't yet qualify for Medicare as well as supplemental plans for those who seek additional coverage.

It is a bad idea to put your medical bills on a credit card. With high interest rate cards you will end up paying much more than if you work out an interest-free arrangement with the doctor's office and pay in small monthly installments. Some clinics and hospitals allow people to pay on a sliding scale based on income.

Check with your city's health department, nearby hospitals and pharmacies for information on free health screenings and other services that may be available at various times throughout the year. Many senior centers are also served by local doctors, dentists and optometrists who offer low cost services.

Many people save money on insurance by buying catastrophic coverage. This means taking out an indemnity policy with a very high deductible ($2250 or more). Choosing such a policy can trim your premium by as much as 50 percent.

When comparing health plans study the benefits, costs and restrictions as well as the premium costs. Make a list of services

you and your spouse use and compare whether those services are covered 100 percent, 80 percent, or not covered, and the amount of deductible costs you will need to pay. You should compare plans until you find the best price for the benefits you are most likely to use. Generally you will pay lower premiums if you agree to use a designated network of doctors, hospitals, labs and specialists. Plans that offer the freedom to choose any doctor you like usually cost considerably more.

If you are laid off from your job you can continue your health insurance through COBRA. At the end of the COBRA period, you may be able to convert to an individual or family policy depending on the insurance carrier. COBRA premiums are usually lower than if you took out a new individual insurance policy.

The U.S. government and several insurance companies are promoting the idea of combining high deductible health insurance policies with tax-free medical savings accounts (MSAs). With an MSA the government offers you a tax deduction to save money in an account reserved for medical expenses. For example an individual could set aside $1400 as a taxdeductible contribution per year. If you

don't spend all of the money on medical expenses in one year it can be rolled over into the next year. The money can be used at any time to pay for medical expenses and it remains tax-free. (There is a limit to how much you can contribute to an MSA each year based on whether the contributions are made by your employer, as an individual or as a family.)

Qualifying medical expenses can include everything from acupuncture to laser eye surgery, teeth implants, and eyeglasses expenses that might not be covered under a traditional indemnity plan. (Be aware that if you withdraw money from an MSA to pay for something non-medical it becomes taxable and you will also be assessed a 15 percent penalty.)

Always ask your doctor if a generic version of a prescription drug is available, which will save you money. Several major pharmaceutical companies participate in patient assistance programs that offer prescription drugs to people who cannot afford to pay the full cost. For more information on patient assistance programs ask your doctor for a referral.

Aug. 26 - Sept.1, 2009

AVENTURANEWS.COM

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AVENTURANEWS.COM

Aug. 26 - Sept. 1, 2009

What did you eat today?

BY BARI AUERBACH

If you took the time to write down everything you had to eat today would you be able to put it on a “recommended diet plan” or would you be more likely to want to hide the list from a professional nutritionist or personal trainer? If the latter is true, here are some suggestions that could help turn a day of “eating and cheating” into a more “euphoric less caloric” feeling of fitness accomplishment: Breakfast: It’s not always about what you eat - but what you didn’t eat can be just as detrimental. For example, if you didn’t have breakfast this morning, you missed out on the opportunity to start the day by kickstarting your metabolism. Even if you’re not hungry or running late, it’s important to make time to eat something – but definitely not anything akin to a Denny’s Grand Slam artery clogging combo. An ideal breakfast could be comprised of egg whites for protein, a low-glycemic carb like oatmeal and a high-antioxidant fruit like blueberries. If you take a metabolic typing test and find out you’re a protein type that functions optimally with less carbs, you can replace the oatmeal with some avocado slices and enjoy the energy surge you’ll feel at least until it’s time for a mid-day snack.

Lunch: If you had a cheeseburger and fries for lunch yesterday and don’t feel like doing an hour of cardio to make up for it today, here’s how you could have modified your menu: Instead of a cheeseburger, a veggie burger, turkey burger or grilled chicken sandwich on a

wholegrain bun would have been a better choice, accompanied by a sweet potato or brown rice and side order of vegetables or a salad (hold the croutons and fattening dressing).

Dinner: Didn’t take the time to cook and ordered take-out instead? Even if you dinner is going to be delivered, there’s still a way to order to make the last meal of the day one of the most healthful. If you’re getting Chinese – the key word is “steamed”; if you’re getting Italian, “sauce on the side” and “grilled not breaded” can help save countless calories; and if you absolutely must have the pizza, just eat one slice and by all means don’t wake up in the middle of the night and eat what’s left in the box - cold!

Snacks: If chips and dip, cookies, ice cream and candy bars were the snacks around the office or house that you indulged in, dump all that’s left into a big box and put it outside in the “junk” pile. Then, fill your desk drawers, cabinets and fridge with healthful replacements like fruits, organic nutbutter, multigrain crackers, low fat yogurt or string cheese and protein powder for making on-the-go shakes.

Beverages: Forget the frappucinos!

Although it’s ok to indulge in highcaloric beverage treats every now and then, many people don’t realize how insidious beverage calories can be and how quickly they add up to added inches. So instead of soda teaming with sugar, opt for green tea and in lieu of beer, an acai berry flavored water could really help you get that six-pack you’ve always wanted!

Aug. 26 - Sept.1, 2009

AVENTURANEWS.COM

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AVENTURANEWS.COM

Aug. 26 - Sept. 1, 2009

Aug. 26 - Sept.1, 2009

AVENTURANEWS.COM

LAST CHANCE-LAST DANCE

As experienced Tax Attorneys, we strive to focus on the IRS’ most current target of wrath and explain it to our readers in a straightforward manner, in an attempt to demystify the IRS’ current tax initiatives and simplify all associated tax issues.

Recently the IRS's best efforts have focused on obtaining information about American citizens and residents who have overseas bank/securities accounts which are not memorialized on their tax returns. To fail to do this invites substantial penalties; felony jail time and a fine equal to 50% of the amount held in the foreign accounts.

Commissioner Shulman has offered amnesty to anyone who would confess his sins to the Internal Revenue Service before September 23, 2009.

Entering the “voluntary compliance program” gives the taxpayer's two major breaks; no criminal prosecution and a fixed penalty which is limited to 20-25% of each year's additional tax liability plus an additional fine equal to 20% of the highest amount in the overseas accounts.

Generally the voluntary disclosures will require: 1. Payment of all taxes and interest for the previous six years.

2. Assessment of an accuracy penalty of (20%) or a delinquency penalty (25%) for all years and 3. An FBAR penalty of 20% of the highest account balance during the six year period.

To give you a feel for the extent of the actual economic bite of these various disjunctive penalties, we can look to an example provided by the IRS of an individual who's had $1 million in a foreign account, which earned 5% a year ($50,000).

The cost for this individual to make a voluntary disclosure for this unreported income from this foreign account would be $386,000 (38.6% of amount in the account), plus interest. Such a deal!

Immigration and Naturalization has its own definition of what is a U. S. resident. The IRS and the various states, for income tax, real estate laws, property tax exemptions, marriage and divorce law, have individual (and not always similar) definitions of residence. Our main concern for the purpose of this article is residency for United States income tax purposes.

The Internal Revenue Service has two principal tests for residence; if you meet either test, you are a United States resident for income tax purposes and subject to taxation on your worldwide income.

The green card test; if you are a non US citizen who holds a “green” card (actually, it's pink now), you are a U. S. resident for tax purposes. This means that you have “a lawful permanent residence” in the United States. Once you obtain this card and you physically enter the United States after its acquisition, you are, in essence, admitting to the Internal Revenue Service, that you are a United States resident, ergo subject to all the same tax laws which are applicable to American citizens.

The substantial presence test; this relates to a mathematical test predicated on the number of days you spend in the United States over a threeyear period. The formula is: (number of days present in the United States in the current year) + (1/3 of the days present in the United States in the immediate preceding year) + (1/6 of the days present in the United States in the second preceding year). If the total exceeds 183 days in a three-year period, you are a United States resident for tax purposes. Generally speaking, if an individual spends more than four months a year in the US, then they will be a US resident.

This is true even where an individual is physically present in the US illegally!

The IRS feels that it is a good deal, that should be considered seriously by anyone who has undisclosed foreign income. An individual who does not come in voluntarily and is later discovered by the IRS, could be subject to an assessment of 231% in taxes, accuracy related penalties and FBAR penalties, in addition to facing possible Criminal Charges! This offer is only open to taxpayers who make voluntary disclosures by September 23, 2009.

Let's see how this works. Melvin, a Mexican citizen, has been spending substantial amounts of time in the United States during the last three years.

So who is potentially in trouble here? The United States is one of the three countries in the world to tax both its citizens and residents on their worldwide income. Most countries tax only people who are residents without regard to citizenship. Canadians, for instance, pay income tax only while they are resident in Canada. Once they leave Canada (changing residence), they are no longer responsible for Canadian income tax. This is the general rule followed by most countries in the civilized world. For American citizens, there is no reprieve. No matter where in the world you live, you are responsible for filing income tax returns and paying taxes to the United States.

Magnanimously, if you live outside the United States, the IRS gives you an extra 60 days to file your tax return.

Conclusion: for tax purposes Melvin is a United States resident. He must pay United States income tax on all of his worldwide income. If he still has bank/securities accounts in Mexico which total in excess of $10,000, he must file the FBAR form. If he fails to do so, he is subject to criminal tax sanctions as well as a penalty of 50% of the total in all foreign bank or securities accounts. So long as he has signatory authority over a foreign account, he will be held responsible for paying all taxes on the income produced by this bank/securities accounts and criminal sanctions if he fails to file form TD F 90-22.1.

The gray area of law concerns United States residents. Actually, the law is quite clear- if you are a U. S. resident, you have a tax responsibility identical to that of a US citizen. The issue that often arises between “resident” taxpayers and the Internal Revenue Service relates to who is a resident of the United States. Many foreign nationals spend a lot of time in the United States. If they exceed the “residency” thresholds, their worldwide income would become subject to United States income tax.

In addition to this, if they maintained bank/securities accounts in their home countries and fail to file the required form (FBAR), they would be subject to the same 50% penalty and potential criminal prosecution as any other US taxpayer.

What is residence? This is a word which has a multiplicity of meetings depending on which government agency you are dealing with.

2008 2007 87 days X .333 2006 90 days X .1666 TOTAL

140 days 29 days 15 days 184 days

The Internal Revenue Service can and will check your passport and visa to count the exact number of days that you are in the United States during the period in question. This is really a trap for the unwary. You can be a United States citizen or a resident, inherit a substantial bank account or securities account in a foreign country, and still fall prey to this trap. If you have this type of potential problem, the soundest advice that I can give you is to review your situation with a knowledgeable tax attorney or accountant. Make certain that this person has knowledge in this particular area of the law because, as I stated previously, the punishment for failing to adhere to this area of the tax laws is confiscatory and potentially confining. There are a number of ways to avoid this situation which can be discussed at length with your tax adviser.

Robert S. Blumenfeld, Esq. & Ronald A. Marini, Esq. of Marini and Associates PA, Experienced Advice & Tenacious Representation, (305) 374-4424, www.Taxlaw.ms.

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Will do errands, doctor’s appointments, shopping, laundry, light cooking.

Have car; 15 years experience.

or saprile2006@gmail.com REAL ESTATE

REAL ESTATE

BAL HARBOUR QUARZO Apartments for rent!!!

I can assist with scheduling doctor’s appointments, medications, meals, therapy, household bills and maintenance. Not a maid service, but will keep daily affairs in order. 35 years experience in medical field and with elderly.

Trustworthy, dependable, bondable, references. Available 1 to 5 days weekly or hourly. Pinecrest, South Miami, Palmetto Bay. English only.

Ross Lila Torres Property Manager rtorres@synergycapgroup.com

Rent Beautiful 1/1 N. Miami 140th St. Swimming Pool, Gated community. New appl. & kitchen cabinets - tile flrs. Washer/Dryer on premises.

Terrace over looks canal.

Central A/C, mirrors. $790/mo.

Shannon - 305.978.7789 or acposter@acposter.com

Policy: No pets, all apartments have carpet floors in dinning and living room.

Short rentals available.

Cell: 305.776.5292

954-963-2042

Personal Assistant to Elderly Parent not ready to leave home?

DUO CONDO HALLANDALE BEACH PRE-FORECLOSEURE. TAKING BIDS.

ALMOST NEW Walk to shops D1 Model 3/2 Golf Course View, Gourmet Kitchen, Luxury baths, Washer/ Dryer in unit, 24 Hour Security.

Fabulous Clubhouse Game rooms, Party rooms, etc.

Below Market Value MUST SELL Owner

305-935-8843

Tel: 305.867.3489

Rental office located at 291 Bal Bay Drive, Suite 105, Bal Harbour, FL 33154 right across the street from ocean, minutes to places of worship and Bal Harbour Shops, huge, clean, plenty of closets.

Studios = $750 1-2 = 1 bdr. 2 full baths starting at $1,200 2/2 = $1,499, approx.

1700 sq.ft.

3/3 = 2 story penthouses = $2500, approx. 2700 sqft.

0909AR

Full Service

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Receive 1 month FREE* with a new 7 month agreement or receive 2 months FREE* with a new 14 month agreement! *Restriction may apply!

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Premier Business Centers 18851 NE 29th Ave. Avenutra, FL Call Janai Today To Schedule A Tour At

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0909SC

ABLE QUALITY CONTRACTING www.ablequality.com

0809RB

0916GT

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•Art, Mirrors, Blinds, Etc. Hung to Perfection •Fans, Light Fixtures, Switches & Installed Discolored Plastic Replaced •Furniture Assembled •Closet Shelving Installed •Shower Enclosures Installed & Repaired •Handicapped Bars Installed •Need Something Done - Just Ask

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Blue --Igaune Design

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0902DKM

“ASK A PRO” BUSINESS SECTION

Aug. 26 - Sept. 1, 2009

0930GM

Page 34

AVENTURANEWS.COM

Bathrooms & Kitchens

LICENSE #0306893

REROOFS & REPAIRS

Serving Florida Since 1994 • Free Estimates • Insured for your protection • Owner on every job • Work guaranteed WILLIAM CARPENTER President/Owner

For a free estimate 954.923.4882

ALL-TECH ROOFING I INC

(305) 247-6717 Lic. # CCC1328633

305-945-0823 Ext. 414

REAL ESTATE For Rent/Sale Motivated Sellers!

ISLAND WAY 5/4 SINGLE W PRIVATE POOL $875,000 OR RENT $4750

0909WW

MICHELLE P DESJARDINS 18383 NE 18th Rd N. Miami Beach MPDesjardins@allstate.com

Feature is optional and subject to terms and conditions. Available in select states now and in most states by 1/31/06 (subject to regulatory approval where required). Deductible Rewards apply to collision coverage.Allstate Insurance Company and Allstate Fire and Casualty Insurance Company; Northbrook, IL. © 2009 Allstate Insurance Company

MARINA COVE 3/2 UPDATED TOWNHOUSE CORNER $429,000 MARINER VILLAGE 3/2 RENOVATED TH $1795 DELVISTA TH 3/2 PREFORECLOSURE $419,000

Call Pnina Dagon 305-458-1145

ISRAMREALTY.COM

FOR RENT OR SALE

1028DKM

Your Home * Apartment * Condo * Etc.

E-mail: AlisesTwoLips@AOL.Com

LARGE LUXURY UNIT 3BED 2 1/2 BATH TOWNHOME IN THE WATERWAYS, OFFICE, 1 CAR GARAGE, GOOD SCHOOLS WALK TO CYNIGOG, MARINA, SHOPPING CENTERS, CHILD FRIENDLY COMMUNITY REFERENCES REQUIRED $2200 PER MONTH $399K

CALL MYRNA AT 305-935-8843

HELP WANTED

CAREGIVER Looking for an elderly to provide care, drive to doctors, run errands, etc

I am fluent in English, Spanish, Italian & Portuguese High references!!!

0811DKM

Please contact Ivan Rojas for any inquires at 954-736-8133 or ivramonro@yahoo.com

305 491 -1717

RENT A DAUGHTER

LOVES WORKING WITH THE ELDERLY.

Over 30 years • Licensed & Insured

Call me today to hear about these new optional features: New Car Replacement, Accident Forgiveness and Deductible Rewards.

and I’m furthering my education.

STEVEN CHUDOFF

305-308-3416

1030GT

0923RB

Remodeling of:

CAM Property Manager Available.

I am a new CAM licensee seeking a Property Manager position. I will negotiate my salary for experience acquired. I have very good references

HELP WANTED

I am a Jewish woman companion/personal assistant.

Will do errands, doctor’s appointments, shopping, laundry, light cooking.

Have car; 15 years experience.

or saprile2006@gmail.com REAL ESTATE

REAL ESTATE

BAL HARBOUR QUARZO Apartments for rent!!!

I can assist with scheduling doctor’s appointments, medications, meals, therapy, household bills and maintenance. Not a maid service, but will keep daily affairs in order. 35 years experience in medical field and with elderly.

Trustworthy, dependable, bondable, references. Available 1 to 5 days weekly or hourly. Pinecrest, South Miami, Palmetto Bay. English only.

Ross Lila Torres Property Manager rtorres@synergycapgroup.com

Rent Beautiful 1/1 N. Miami 140th St. Swimming Pool, Gated community. New appl. & kitchen cabinets - tile flrs. Washer/Dryer on premises.

Terrace over looks canal.

Central A/C, mirrors. $790/mo.

Shannon - 305.978.7789 or acposter@acposter.com

Policy: No pets, all apartments have carpet floors in dinning and living room.

Short rentals available.

Cell: 305.776.5292

954-963-2042

Personal Assistant to Elderly Parent not ready to leave home?

DUO CONDO HALLANDALE BEACH PRE-FORECLOSEURE. TAKING BIDS. ALMOST NEW Walk to shops D1 Model 3/2 Golf Course View, Gourmet Kitchen, Luxury baths, Washer/ Dryer in unit, 24 Hour Security.

Fabulous Clubhouse Game rooms, Party rooms, etc.

Below Market Value MUST SELL Owner

305-935-8843

Tel: 305.867.3489

Rental office located at 291 Bal Bay Drive, Suite 105, Bal Harbour, FL 33154 right across the street from ocean, minutes to places of worship and Bal Harbour Shops, huge, clean, plenty of closets.

Studios = $750 1-2 = 1 bdr. 2 full baths starting at $1,200 2/2 = $1,499, approx.

1700 sq.ft.

3/3 = 2 story penthouses = $2500, approx. 2700 sqft.

0909AR

Full Service

Office Space

Receive 1 month FREE* with a new 7 month agreement or receive 2 months FREE* with a new 14 month agreement! *Restriction may apply!

Plans start at $300/month 1-4 Person Offices

Premier Business Centers 18851 NE 29th Ave. Avenutra, FL Call Janai Today To Schedule A Tour At

305-466-4567

0909SC

ABLE QUALITY CONTRACTING www.ablequality.com

0809RB

0916GT

305.389.8161

•Art, Mirrors, Blinds, Etc. Hung to Perfection •Fans, Light Fixtures, Switches & Installed Discolored Plastic Replaced •Furniture Assembled •Closet Shelving Installed •Shower Enclosures Installed & Repaired •Handicapped Bars Installed •Need Something Done - Just Ask

SERVICES

1014SC

HANDYMAN

Licensed interior design and renovation • High quality work at a reasonable price • We speak English, Spanish, French, Italian and Hebrew

SERVICES

1031DKM

Blue --Igaune Design

SERVICES

0902DKM

“ASK A PRO” BUSINESS SECTION

Page 35

0930GM

Aug. 26 - Sept. 1, 2009

Page 36

AVENTURANEWS.COM

Aug. 26 - Sept. 1, 2009

T H E R E A L E S TATA E / B U S I N E S S D I R E C T O RY • C A L L ( 3 0 5 ) 6 6 1 - 9 2 0 0 • ( 9 5 4 ) 9 6 2 - 6 7 7 6 LUXURIOUS, 2 & 3 BDRMS FOR RENT & SALE SOUTH TOWER for RENT

• • • •

Beautiful and spacious 2bd, 2ba + den. Wood floor, ocean $2,400 & intercoastal views. Hurricane shutters, etc. 7th flr.

NORTH TOWER for RENT Magnificient 2bd/2ba + den. Fully furnished w/direct ocean & intracoastal views, marble flrs, hurricane shutters, etc. 21st flr.

REALTOR®

Houses

Highest cash paid for:

$2,400

Beautiful 2bd 2ba fully furnished, magnificient marina & city views. Lots of upgrades.

Hurricane shutters, marble flrs. 26 FL.

3bd/2ba. Direct ocean view, tile & carpet floors. 19th flr.

SHELLY MACIN BUNCHER

WANTED

$2,700

gold sterling jewelry coins

-Miami - 3/1 Doll House. All new incl. roof, pumbing, elec, A/C, wtr htr, windows, kitchen cabs.....$64,900

• Lladro • Swarovski • all antiques

Turnberry South

305-932-6881

e-mail:shellybre@aol.com www.shellybuncher.com

32 Years experience We make house calls 7 days a week

$2,650

Beautiful spacious & bright 5bd, 4.5ba corner house.

Highly upgraded. Marble & wood floors, large pool, etc.

$4,500

THE BEACH CLUB

$1,900

RICKENBACK ASSOCIATES, INC. REALTORS

CALL 305-965-8678

GOLDEN GATE ESTATES

Real Estate with Knowledge, Service and a Smile.

-1/1.5 Large & lovely so. vu, blt ins, tile flrs..... $178K

Biscayne Cove -1 conv. to 2/2 updtd, pergo flrs, s/s + granite kitch, water vus. $189K or rent $1400 furn., $1300 unfurn.

-2/2 Mid floor lg lake vu- Call for price -2/2 furn, lake vu, updtd, mrbl, mstr ba... $1475 rent -1 conv. 2 ba low flr on water......$1450 rent -2/2 dazzling hi-flr water vus, clean, comfy + large $1450 rent -2/2 remodeled, tiled, hi-flr, w/d in unit, water vus...$1400 rent -2/2 Lower PH, great vus, new paint..$1350 rent -2/2 1st flr, garden vu, nu appl’s, marble flrs.... $1350 rent ARU0923

P O I N T

1021DKM

T H E

BISCAYNE LANDING for RENT Nice & spacious 2bd/2ba marble & carpet floors.

Intercoastal views. 8 flr.

$1,600

Gorgeous spacious 2bd/2ba + den. Marble flr, ocean & Intercoastal views. 20th FL

$1,800

Beautiful and upgraded 3bd 3ba, marble floors, nice intercoastal views, 8th fl.

$1,950

P R E M I U M R E A LT Y 305-936-9394 . 305-725-4035 w w w. p r e m i u m r e a l t y i n c . n e t

AMBER CRUISES

We buy lawn mowers • We buy bicycles We buy cars running or not • We buy household items Business close outs We accept car batteries We sell lawn mowers & bicycles in good working condition Have merchandising for sale or need merchandising Everything of Value LETS MAKE MONEY CALL ME

305-866-6914 • 305-937-0331 FAX AMBERCRUISES@HOTMAIL.COM

1028RB

Lovely & spacious 1bd 1.5ba. Nice glf course view. Lo flr

• MSC Cruises Poesia Single Cruise Nov. 10 - 5 days $399.00 + tax per per on double occupancy.

• Nov. 20 - 10 day cruise Panama Canal Balcony $699.00 + tax.

• Dec. 20 - Holiday Cruise $599.00 + tax.

• Apr. 24 - $249.00 + tax, per person.

Remember children under 17 sail free with parent in the same cabin.

SOLOMON’S LAW

HOA and Condominium Associations in Cash Crisis BY: BEN SOLOMON, ESQ.

Many homeowners and condominium associations throughout South Florida are experiencing a cash crisis as a result of owners failing to pay their required maintenance assessments.

Without this necessary income, the associations bills pile up quickly leaving important services such as insurance, lawn care, management, and maintenance unpaid for, with some vendors unwilling to provide further services. Severe cases can leave associations without enough money to maintain basic necessities such as fire and safety equipment, security gates, and even water and garbage services. To make matters worse, some lenders are refusing to issue loans on the units within these communities and condominiums due to the severe delinquency rates of the associations, essentially putting a freeze on the marketability of such units. Much of the problem can be attributed to investors, many of whom own multiple units in the same community or condominium, not paying their assessments (some of whom receive income from tenants living in their units but still refuse to pay their assessments).

An association’s best course of action is to find a competent, diligent and aggressive attorney. Legal incompetence (including not utilizing effective legal strategies for the current market), an attorney’s inability to communicate with the board and manager of the association, and/or the failure of an attorney to proceed aggressively and diligently on behalf of the association, can cause unnecessary delays and additional financial suffering. For instance, some attorneys advise their clients to follow the passive approach of not filing liens against delinquent units and not proceeding with association foreclosures, thinking that lenders will eventually foreclose their defaulted borrowers and pay the association its money. The reality is that in today’s market, lenders are stalling their foreclosures until they find buyers first, so the process can take an unreasonably long period of time. Meanwhile, if the first mortgage holder does finally take title to the unit through its foreclosure, it is then entitled by law to a sizeable write off of the prior owner's past due amounts, resulting in significant bad debt to the association. This bad debt is then absorbed by the association and eventually paid for by the responsible owners who are paying their assessments.

GT

$1,350

1131DKM

DUO CONDOMINIUM for RENT

SC0812

Lovely 1bd, 1ba + den right on the beach. Beautiful Intercoastal views. Highly upgraded. 25th Flr.

To succeed in the current market, associations need an aggressive attorney who files liens against the delinquent unit owners quickly and, in applicable cases, files foreclosure complaints (lawsuits) against the delinquent unit owners to collect the amounts due to the association. There is also a new blanket receivership approach where, by law, associations can petition the court to appoint a single receiver to collect the rents from all tenants living in units that are under foreclosure by the association or which come under foreclosure in the future (which prohibits investors from collecting income from tenants while failing to pay their assessments). Aggressively applied legal pressure against the owner and/or their lender is especially necessary in this type of depressed real estate market and will undoubtedly bring in a lot more money to the association in a much faster time than simply waiting for the lender to come through.

Aug. 26 - Sept. 1, 2009

AVENTURANEWS.COM

Page 37

THE BUSINESS DIRECTORY • CALL (305)661-9200 • (954)962-6776

P C Protech Consulting

IS YOUR COMPUTER RUNNING SLOW? 0826SA

• Personal Computer and Office Installation & Support • Low Voltage Wiring • Home Theatre Sales & Installation

0831SC

1104AR

IF YOU HAVE TECHNOLOGY NEEDS - WE HAVE THE SPECIALISTS DIRECT: 786.220.1442 EMAIL: helpdesk@protechc.com

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1131DKM

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1031DKM

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GT

ROOFING WILLIAM CARPENTER - President/Owner

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T H E H E A LT H B E A U T Y & F I T N E S S D I R E C T O RY • C A L L ( 3 0 5 ) 6 6 1 - 9 2 0 0 • ( 9 5 4 ) 9 6 2 - 6 7 7 6

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13899 Biscayne Blvd. Suite 102, North Miami Beach, FL 33181

Page 38

AVENTURANEWS.COM

Aug. 26 - Sept. 1, 2009

B LINDS M OTORIZATIONS U PHOLSTERY D RAPERIES

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Aug. 26 - Sept. 1, 2009

T H E

R E A L

AVENTURANEWS.COM

E S TAT E / B U S I N E S S

D I R E C T O RY

Page 39

â&#x20AC;˘

C A L L

( 3 0 5 ) 6 6 1 - 9 2 0 0

WEEKLY HOROSCOPES Aries -You may end up in an argument with a contractor about the cost of some renovations to your home this week. It is not a particularly good time to start a huge new addition to your home, or to buy property. You may also have disagreements with elder relatives about housing.

Taurus - You will be extremely impatient with other drivers this week. Even if you are not normally aggressive on the road, this week you will have a tendency to lean hard on the horn and the accelerator. Be aware that your own impatience can be dangerous this week and take extra time to get to your destination if needed.

Gemini - You really don't want to be at work this week. You'd rather be at home or out playing, or be just about anywhere else, quite frankly. You have zero patience for foolish behaviour and, unfortunately, it seems to be All Fool's Day at your office right now.

Cancer - If you are single, this is not the best time to get out to meet new people. The people you meet will be strange or dysfunctional in some way. If you are not single, you may find yourself win weird arguments with your mate, unless you make a special effort to be patient and understanding.

Leo - Someone in the may insist that you top up your education at a point where you feel you can't afford to spare the time or the money. It will be a busy, challenging week with many highs and some bumps along the road. An older relative may require medical treatment.

Virgo - You want nothing more than to toss your paperwork in the air and walk away for good, but that's not practical. What you can do is push it to the side of your desk, push the chair back, and take a long walk during break time. It could work wonders.

OCEAN CADILLAC

W W W. O C E A N C A D I L L A C . N E T

Libra - You will be excitable, energetic and interesting to others this week. You have a lot of energy and want to play, but you may have to spend a lot of time on unwanted paperwork due to the actions or incompetence of others. Once you clear that out of the way, you'll be able to enjoy yourself.

Scorpio - Spiritual insights come to you that can dramatically improve your lifestyle and wellbeing. You may discover that there truly is power in prayer. Meditation and contemplation of higher spiritual truths can bring you peace and physical comfort.

Sagittarius - You will be in demand in social circles, because you are chatty, exciting and full of wild ideas this week. You have an opportunity to make new friends this week, but they may be dramatically different from your normal circle of friends and companions.

Capricorn - You have a hot new business prospect lined up, and you may have to make some decisions very quickly. New partnerships and associations may be lucky for you but you will have to be fast on your feet, making quick changes in your career path, if you want to take advantage.

Aquarius - You can learn things this week that could eventually prove to be most helpful in your career. If you can't decide where to spend your free time, look to a local community college and pick up some new computer or communications skills. They will come in handy.

Pisces - You have a wonderful opportunity to invest, to save, to pay down your debts, with help from an advisor you count on for more than just financial advice. You find people that share your values are also the ones you most trust where it comes to your bottom line.

1000 Kane Concourse Bay Harbor, FL 33154

(305) 864-2271

Page 40

AVENTURANEWS.COM

Aug. 26 - Sept. 1, 2009

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