Aventura News, September 9, 2009 Edition - Miami, Florida by Community Newspapers

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

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September 9 - 15, 2009

Aventura Turnberry Jewish Center ushers in New Year 'Nurturing and growing Jewish tomorrows today' community spirit. Insightful Views Rabbi Jonathan Berkun "I look forward to seeing all of you in synagogue this Rosh Hashanah and Yom Kippur…Let us all make these momentous days count, so that our prayers in the New Year will rise higher and higher." William W. Landa, Chairman of the Board "This year marks the 20th anniversary of ATJC's state-of-theart facilities…There is a strong feeling of optimism and realization as we set our goals on a new course of attracting new members, focusing on young families and inspiring our entire community."

Cantor David Muchnick and Rabbi Jonathan Berkun

BARI AUERBACH When the High Holy Days edition of Aventura Turnberry Jewish Center's "News & Views" was opened by an ever-growing number of members of all ages including many new families with young children, everyone was especially impressed by how big it was! So many pages - all filled with enriching, exciting, educational and cultural upcoming events as Aventura's prestigious conservative synagogue remains committed to "nurturing and growing Jewish tomorrows today." This "News & Views" synopsis will help put you "on the same page" with the vibrant ATJC family including spiritual leader Rabbi Jonathan Berkun, his wife Rabbi Lauren Berkun, Cantor David Muchnick, board members and congregants uniting to share the greatest combination of spirituality, social and

Rabbi Berkun sings along with Tauber Academy children

Laurence A. Herrup, President "There is almost never a moment when an exciting event is not taking place in our beautiful facility…'Toda raba' and may we go from strength to strength as we continue to achieve our mission of being the central address for Jewish life in Aventura and the surrounding community." Dr. Amir Baron, Executive Vice President "While visiting Israel, I derived great satisfaction from seeing some of our young adults who had their Bar and Bat Mitzvahs in our synagogue…I would like to invite all of our congregation to join in next summer's ATJC Family Mission to Israel, led by Rabbi Berkun." Great News Tauber Academy Enrollment Doubles! Thanks to the leadership of Director Cindy Behar, professional staff, faculty and involved parents, the Tauber Academy has become "the early childhood place to be." "Many parents consider ATJC their 'home away from home,'" Behar said. "That feeling of unity, coupled with the Jewish values our children take home everyday, have established ATJC as a synagogue community which

Cantor Muchnick shares the story of the Shofar with the children

AVENTURA TURNBERRY JEWISH CENTER HIGH HOLIDAY SCHEDULE S'lichot Saturday, Sept. 12, 10 p.m. Erev Rosh Hashanah Friday, Sept. 18, 7 p.m. 2nd Day Rosh Hashanah Sunday, Sept. 20, 8 a.m. Family Tashlikh Service Sunday, Sept. 20, 4:30 p.m. (Waterways Marina) Kol Nidre Sunday, Sept. 27, 6:45 p.m. Yom Kippur Monday, Sept. 28, 9 a.m. (Mincha/Martyrology 4:30 p.m.) Ne'ilah, Family Havdalah & Shofar Monday, Sept. 28, 6-7:45 p.m. Family Services: 1st day of Rosh Hashanah and Yom Kippur, 10 a.m.

continues to grow because our families remain involved long after they leave our school." Newsworthy Events

Torah Tuesdays with Rabbi Lauren Berkun: 1-2 p.m., first session: Discovering Your Inner Gifts: A Jewish Guide to Finding and Fulfilling Your Life's Mission ATJC Tot Shabbat: Saturday, Sept. 12, 10:45 a.m.-noon; a monthly Shabbat morning experience for families with children under 7 years old Friday Night Live Supper in the Sukkah: Oct. 2, 6:30 p.m. followed by family dinner in the synagogue Sukkah Shabbat Torah Israeli Dance Party: Saturday, Oct. 10, 6:30 p.m. Brotherhood and Sisterhood "Sushi & Sake in the Sukkah": Wednesday, Oct. 7, 7 p.m. "Beyond Baby Boomers" Wine and Cheese Meeting: Thursday, Oct. 22, 4-5:30 p.m. 2010 Winter Concert Series; Jan. 28, Kiezmer East Concert; Feb. 18, Cantor Meir Finkelstein; March 18, Paul Green Band Many more exciting programs and events presented by ATJC branches include the Distinguished Speakers Series, outstanding supplementary Religious School, Judaica High School program and strong Holocaust survivor network. "As the Shofar is blown this Rosh Hashanah, the members of Aventura Turnberry Jewish Center will herald another exciting year of spiritual, cultural, social and educational renewal," said Dr.Baron. "Everyone is welcome to explore the benefits Photos by Anna Lowit

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September 9 - 15, 2009

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September 9 - 15, 2009

Coast to Coastâ&#x20AC;Ś. Former Aventura Marketing Council Chairmen meet Deborah Flowers and son Paul, now living in California, recently visited with Bob Hollander of Brown & Brown Agency and Elaine Adler, Aventura Marketing Council president, to share fond memories. Flowers and Hollander served consecutive terms as Chairman of the Board for the Aventura Marketing Council (AMC) in the 1990's. Deborah and her husband John, a retired Regimental Sergeant Major with the British Army, owned and operated an elite private security firm servicing Aventura, called Airborne Security. Their security officers were held to the highest standards of the British Army, ensuring that their firm was in great demand by all the commercial and residential properties. Bob Hollander and his family owned and operated Dade Underwriters, the premier insurance agency that served South Florida businesses and residents for 47 years before being acquired by Brown & Brown Insurance. Flowers served as Chairman of the Board for three years before moving to California and Hollander followed her as Chairman, serving four years in that position. "It was so great to see Bob and Elaine again and share hugs and memories!" said Flowers. Hollander added, "I was very excited to see both Deborah and Paul. Paul has grown up to be an incredible young man and Deborah is just as vivacious as ever." For more information on the Aventura Marketing Council, the community's premier not-for-profit business organization, call 305-932-5334 or visit aventuramarketingcouncil.com

Bob Hollander, Brown & Brown Insurance; Deborah Flowers and her son Paul

Bloomingdale's Aventura hosts 7th Annual Fashionable Fundraiser Four-day event combines shopping and special in-store events with community awareness and charity

More than 1,200 guests joined Mickey and Minnie Mouse and Disney Store Zone Director Shawn Powell at the grand opening celebration of the brand new Disney Store at Aventura Mall. This unique retailer is located on the lower level near JC Penney - stop by and see what the excitement is all about!

Bloomingdale's recently spotlighted amfAR at its August Fashionable Fundraiser, pledging $75,000 in donations to the AIDS research organization. AmfAR CEO Kenneth Cole contributed an exclusively designed t-shirt sold at the event, with 75% of proceeds benefiting amfAR directly. Shopping for a cause customers attended the launch of the CREED fragrance boutique. The opening of the new Creed boutique brings the world's largest luxury fragrance company to Bloomingdale's Mary K. Mishler, International Cosmetics & Perfumes; Isabella Quinn, CREED Aventura - the exclusive retailer Specialist; Bloomingdale's Vice President and General Manager Maryanne in the Aventura Mall. It is the Denver and Public Relations Manager Eileen Alkabes second national Bloomingdale's boutique for Creed - the perfumers responsible for scents worn by elites from Audrey Hepburn to Queen Victoria. For more information, visit bloomingdales.com

September 9 - 15, 2009

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Changes in rules helping pull plug on ‘RoboCalls’

Al Sunshine 4 YOUR MONEY One of my frequent pet peeves is getting those annoying commercial telephone calls and hearing a robotic, pre-recorded voice on the other end of the telephone. It usually happens when I’m in the middle of doing something else, or sleeping in late over an eagerly anticipated weekend. In the past, these kinds of calls were generally prohibited unless they came from a business you had a prior relationship with — and offered a way to immediately tell them we don’t want to hear from them anymore. But I never could find an easy way to let them know I’d like them to stop calling and without calling back “during normal business hours,” the darn things kept coming. They could call me whenever they pleased, but I had to wait for “normal business hours” to tell them to knock it off. Fortunately, starting in September, the rules

regulating “RoboCalls” are changing. Companies will be required to have signed approval to legally have their machines call our machines. If they don’t have that formal approval, they’ll be violating federal regulations, making them subject to up to $16,000 in fines per call. That means if you still get any RoboCalls, you may have a valid complaint to file with the Federal Trade Commission. Even so, there still will be some groups allowed to use RoboCalls to reach out and touch you, including banks, healthcare providers and “Informational Recorded Messages.” That also means you should double check all your service contracts and other agreements to make sure there’s no hidden fine print authorizing companies to contact you, without really letting you know you may be setting yourself up for even more RoboCalls in the future. In the past, telemarketers have found too many hidden loopholes in the law to stay in business. It almost seems as if so many laws are intentionally watered-down to allow the scammers to stay in business. And if you ask me, there are still too many exceptions to the RoboCall rules. But maybe we’ll get a lot fewer now. 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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Aventura Heart Center recommends: Get your seasonal flu shot ASAP Flu is a serious contagious disease. Each year, more than 200,000 people are hospitalized and 36,000 people die from seasonal flu complications. The center for disease control (CDC) recommends a yearly seasonal flu vaccine as the first and most important step in protecting against seasonal influenza. The flu is a contagious respiratory illness caused by influenza viruses. Complications of flu can include bacterial pneumonia, ear infections, sinus infections, dehydration, and worsening of chronic medical conditions, such as congestive heart failure, asthma, or diabetes. It can cause mild to severe illness, and at times can lead to death. The best way to prevent the flu is by getting a flu vaccination each year. In general, anyone who wants to reduce their chances of getting the flu can get vaccinated. The next

step is hand washing and staying away from people with upper repiratory illnesses. The flu vaccine protects against the most common strains of influenza A and B. It is not for H1N1 (Swine flu). That vaccine is being developed and hopefully will be available soon. Aventura Heart Center, under the direction of Dr. David Korn and Dr. Robert Rasken, provides the most comprehensive prevention and general cardiovascular services. It is a unique healthcare center offering state-ofthe-art services to effectively diagnose and treat heart disease and related illnesses. Aventura Heart Center is located in the Mount Sinai Aventura Building (2845 Aventura Blvd., Suite 249). Office hours are Monday through Friday, 9 a.m. to 5 p.m. To make an appointment, call 305-932-6061.

September 9 - 15, 2009

Acqualina Resort & Spa presents Wedding Elegance on the Beach Acqualina offers exquisite wedding options for South Florida brides Acqualina Resort & Spa proudly announces Wedding Elegance on the Beach, an evening of wedding inspirations showcasing the best of Acqualina's prefered vendors in bridal services on Thursday, September 24th from 6:30 p.m. to 9:30 p.m. Join us in our award winning day spa, ESPA at Acqualina for the best of the best in wedding services at the ultimate bridal experience complete with complimetary Perrier-Jouët champagne, canapés and valet parking. Acqualina's wedding industry professionals at Wedding Elegance on the Beach will provide brides-to-be with valuable feedback and insight to ensure their dream weddings come true. The elite of wedding professionals from the South Florida area will be on-site providing an extensive offering of quality products and services available to sweep future brides off of their feet. Whether stressed out with specific questions, or simply looking for a fresh and chic perspective on designs, rentals and professional services available, Wedding Elegance on the Beach will showcase the hottest trends in fashion, jewelry, décor, food, photography, entertainment, invitations and more. Preferred vendors and distinguished referrals such as Carolina Herrera New York and Harry Winston Bal Harbour are ready to help plan the perfect wedding.

Participating bridal services include, Always Flowers & Events, allie munroe, Ana Paz Cakes, AAMusicians, Broadway Video, Carolina Herrera New York, DJ Shlomi, Gables Linen, Glatt Kosher Touch Catering, Harry Winston Bal Harbour, In Focus Studios, Neiman Marcus Bal Harbour, Nüage Designs, roots & roots, Roy Llera Photographers and So Cool Events. Please RSVP for this event at Acqualina@ThePattonGroupInc.com or 305-534-0081 ext.14

Aventura Hospital recognized for implementing quality heart disease and stroke care Aventura Hospital has been recognized for achievement in using evidence-based guidelines to provide the best possible care to patients through The American Heart Association / American Stroke Association's Get With The GuidelinesSM program. Aventura Hospital and 569 other hospitals are featured in a July 28th advertisement in the "America's Best Hospitals" issue of US News & World Report to commemorate their receipt of Get With The Guidelines Gold or Silver Performance Achievement Award. The awards are given for achievement in coronary artery disease, stroke and/or heart failure treatment. Hospitals are recognized in each category in which they achieve at least 85 percent compliance to Get With The Guidelines measures. Those hospitals marking 85 percent compliance for 24 consecutive months are given the Gold Performance Achievement Award, with the Silver Performance Achievement award going to those with 85 percent compliance for 12 consecutive months. Get With The Guidelines is a hospitalbased quality-improvement program designed to ensure that hospitals consistently care for cardiac and stroke patients following the most up-to-date guidelines and recommendations. The program addresses coronary artery disease, heart failure and stroke. Currently more than 1,450 hospitals participate in the program. The American Heart Association /

American Stroke Association's advertisement recognizes Aventura Hospital's commitment and success in performance achievement. "The American Heart Association is pleased to recognize its top Get With The Guidelines participants," said. Lee Schwamm, M.D., national chairman of the Get With The Guidelines steering committee, associate professor of neurology at Harvard Medical School and Vice Chairman of Neurology at Massachusetts General Hospital. "Healthcare providers who use Get With The Guidelines are armed with the latest evidence-based guidelines and immediate access to clinical decision support, using a set of tools that have been shown to improve delivery of evidence-based care. The goal of this initiative is to improve the quality of life and help reduce deaths and disability among patients with heart disease and stroke." "We are proud that the American Heart Association and American Stroke Association have chosen the 'America's Best Hospitals' issue of US News & World Report to recognize Aventura Hospital and Medical Center for our achievements in their Get With The Guidelines program," said Heather Rohan, CEO, "Get With The Guidelines gives our professionals the tools and reports they need to effectively treat our coronary heart disease, heart failure and stroke patients." For more information, visit aventurahospital.com and americanheart.org/getwiththeguidelines

September 9 - 15, 2009

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Life in the City BY BARI AUERBACH ‘Back to School Boot Camp’ August 24…a day that will live in infamy as kids go back to school - still recovering from sunburns, mosquito bites and brain cell vegetation. Ready or not it’s time to bravely face those flashing school zone lights as moms launch operation boot camp to “Move! Move! Move!” kids up and out of bed bright and early – even though it’s still dark outside. By this time, most strategic back to school plans have already been meticulously mapped out. Given the complex nature of busy lifestyles, it’s not uncommon to find war boards posted on living room walls more regimented than the tightest military timetables. Weekday mornings, the convoy of yellow school buses and carpool warriors in SUV’s will once again start commandeering the roads headed to area schools. After the morning scramble and triumphant victory of avoiding the need for a late pass comes the quiet before the after school storm for the city’s parental

brigade. Some will head straight for the gym to get strong enough to haul and load all the paraphernalia needed for the kids’ extracurricular sports activities into already jammed-packed trunks. Others will opt to go into the office, where the stress of impending deadlines pales in comparison to the prospect of hearing, “Can you help me with my geometry homework?” One of the most popular detours is Starbucks - but sometimes, even massive infusions of caffeine aren’t enough to prevent exhausted parents from falling asleep behind the wheel while waiting in those long, winding school pickup lines. Of course, when the school day ends, it’s time to put “war board” strategies into action as soccer league and karate kick back in; dance classes start spinning; and too expensive tutoring sessions resume along with heated battles over who wants what for dinner. And so, a sincerely reverent salute goes out to all families currently immersed in back to school boot camp. The good news is teacher conferences and science fair projects are still far off; and there’s only about 330 days ‘til next summer!

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Healing seminars offered by BodyTalk Practitioner Renata Miranda

BY LYNN CARROLL

Bodies do talk, and it may be time for you to hear what yours has to say, says Certified BodyTalk Practitioner and Instructor Renata Miranda. "The BodyTalk System is a well-established system of healthcare utilizing stateof-the-art energy medicine in a safe, integrative and comprehensive manner," she says. "It offers a way of addressing health that is simple, safe, effective and has fast results. Its power is based on increasing the levels of internal communication within the body - stimulating the body's own ability to Cutline: Renata Miranda demonstrates BodyTalk technique regain and maintain a healthy balance. "BodyTalk offers a new way of addressing health that is simple and effective, while non-invasive. Clinical experience mented in ten minutes daily. It puts people in has shown that when the overall system is bal- the driver's seat of their own health and well anced, clients of BodyTalk have experienced being." improvements in the areas of arthritis, One person who took a BodyTalk seminar headaches, phobias, pain, stress, viruses, infec- was able to heal her glaucoma, Miranda says. tions, allergies, back pain, sports injuries, "It can also give parents peace of mind through sports performance, learning disorders, chronic being able to impact their children's health in a fatigue and more. It's been proven to take care positive way." of 60%-70% of the health issues people The next BodyTalk Access Seminar is usually face." Sept. 27. Training to be a BodyTalk Miranda offers one-day BodyTalk Access practitioner or simply broaden your undercourses that are designed to be used by any standing of the system is Oct. 2-5. layperson or healthcare provider, she says, "to For more information, call Energy bring about significant improvement in health Balancing Center in Aventura, 305-903-9079, using five simple techniques that can be imple- or coordinator Renea Perry 305-879-5399.

ASAP ready to fill employer demands for temps, key posts BY LYNN CARROLL When a business loses an employee, the high cost of recruiting, hiring and training a replacement can seriously impact the bottom line. The experienced people at ASAP know that and are positioned to handle needs from temporary or permanent workers to finding the right candidate to fill precise job descriptions, and with the necessary skills and training in order to be productive from day one. "We offer personalized attention and customize our services to meet client needs," Luis Luciani says ASAP managing member Luis A. Luciani. "We have a strong candidate referral base to meet an employer's specific demands." Based locally at 12550 Biscayne Blvd., Ste. 800 in North Miami, ASAP is the largest and most reputable staffing firm in Venezuela, with more than 2,500 employees assigned to a distinguished portfolio of nearly 200 clients. "With the addition of an office in North Miami," Luciani says, "we're rapidly increas-

ing our brand awareness in the region while building an excellent candidate database of Florida's top talent and a reputation for personalized quality service." ASAP, he says, is ready to use its experienced, high-performance team to meet or exceed expectations so that clients can concentrate on their business. Tailoring its services to meet each business's needs, ASAP can recruit, select, hire and assign temporary employees on the client's premises, handling payroll, tax deductions, Workers' Compensation, unemployment insurance and all related payroll burdens. Additionally, ASAP offers its rigorous search and selection process to provide top talent for permanent positions, as well as temp-to-perm. "We deliver A.S.A.P. the work force talent and flexibility that our clients need," concluded Luis Luciani. For information, call 786-431-2858 or visit asapstaffingservices.com

September 9 - 15, 2009

Residence Inn by Marriott hosts Dennis Collins "The New American Marketplace" Lincoln Financial Media Senior Vice President and General Manager Dennis Collins who oversees South Florida's very own 101.5 Lite FM, Majic 102.7 and 790 The Ticket Sports Radio on the AM dial recently stepped outside his role to visit with Aventura Marketing Council's Barr, Security Camera World; Dan Palmer, Aventura News; Business Development Arthur Dennis Collins, The New American Marketplace; Shelley Costin, Committee to discuss a Miami Gardens Florist; Peter L. Fishel, CPA new project he has founded, "The New help." American Marketplace." "There is mounting evidence With reference to the panic of that things will never be the same the 2008/2009 economy, Collins says he meets on a daily basis three again," he says. Consumers have a whole new types of businesspeople: "This too shall pass"; "I know what to do"; mindset and are redefining who they and "This time is different, I need are to satisfy their needs over their wants as they confront impeding issues including retirement planning and real estate poverty. "What does this mean for American business? Money is being spent and will be spent but consumers will be looking through much different lenses," he says. "It's time to think and act differently. There are many new opportunities, it just requires learning the lessons of The New American Marketplace." Collins listed three lessons: The economy will improve and is Barbara Von Eberstein and Leyane Jerejian, improving but will never be the Farrey's Lighting & Bath flank Elliot Kalus, Hebrew Homes Foundation same; the business universe salutes speed and action; knowing your customer and customer service are the key ingredients to business success. NewAmericanMarketplace.com is a teaching website with actionoriented lessons important to small business owners who may not have the resources to hire a consultant or business coach. This website shares the newest and latest thinking and action plans geared to empower its members so they can become more Anita Finley, Boomer Times & Senior Life; Bob Cahn, AFLAC; Eileen Glastein, Bnai Zion successful. Members can browse Foundation; Fanny Korn, Realtor assessments, articles, videos and audios from some of the top thinkers in the country about what's going on and most importantly, how to survive. For more information, visit NewAmericanMarketplace.com; For information about the Residence Inn by Marriott located at 19900 West Country Club Drive, call 786-528-1001 or visit residenceinn.com/miara For information about Aventura Marketing Council, call 305-932-5334 or visit AMC members enjoy business networking aventuramarketingcouncil.com

September 9 - 15, 2009

ASK DR. RUTH BY DR. RUTH WESTHEIMER

Looking for Hale-Bopp Q: After 31 years of marriage (most of them happy), can you suggest something to put an extra sparkle in a relationship that is aurora borealis but wants to be Hale-Bopp. A: Hold it!While I am all in favor of adding sparkle to a relationship, remember one thing: The aurora borealis is always with us, while Hale Bopp was only visible for a few months and won’t be back for 200 or so years. So, yes, do something to add some luster to that 31-year-old marriage of yours, but most important, make sure that your relationship keeps shining, even if at a lower wattage, every day. To answer your specific question, most people find that going out of their normal environment adds that spark you are seeking. If you can afford to take a vacation, go someplace you would both find sexy – a tropical island, a ski slope, a cabin in the

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woods, a night in a big city. If your budget is tight, then just rent a motel room for a night that has a waterbed or those magic fingers. And if you’re really on a shoestring, a few candles and some whipped cream can make any bedroom sexier. The other thing is to plan this night out at least a week in advance. Anticipation is a wonderful aphrodisiac, and the more you think about it and fantasize about it in the days before you actually do whatever it is you are going to do, the more excited you will be at the time. Q: Why do you think certain celebrities (i.e., Dennis Rodman, Ellen DeGeneres) are drawn to making such public presentations of their sexuality? Along the same lines, why are people so fascinated with the public displays of these celebrities? A: If you were walking down the street and there were two people walking toward you, one fully clothed and one half-dressed, who would you look at? When I walk by a newsstand, which magazine catches my eye? The one that has the world “Sex” in the biggest letters, of course (and I usually wind up buying it!). We are all interested in sex, and the sex lives of others, and that’s just the way it is.

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September 9 - 15, 2009

The Restaurant at Le Meridien hosts 'star studded' networking event

Ben Launerts, Marksman Security; Raquel Fitoria, RBC Bank; Paul Radu, LeMeridien Sunny Isles Beach

Lenny Markus, Minuteman Press; Nicholas Gnad, Beachwood Financial Group; Jessica Parker, Florida Breast Cancer Coalition Research Foundation; Andrius Adams and Milton Devecchi, My Netkey

Sandra Morgareidge, Shelby Construction Group; Stephanie Schmulian, Sapoznik Insurance & Associates; Consuelo Benassi and Crystal Rouhani, Aventura Mall

Dr. Drew Schnitt, Plastic Surgeon flanked by Nikki Eshleman and Liz Quintana, Ofc. of Dr. Richard M. Galitz

Maiko Del Bel and Eric Beck, IT Doctors; Suzi Castonguay, Melnick Lilienfeld & Castonguay, CPAs; Julia Rossina, Russian Connections Group

David Kaufman and Shauna Wise; Eric Mannis, Nature's Best

Jaleidy Rodriguez, and Elizabeth Gonzalez, Southeast Computer Solutions flank Robert Festinger, Newport Beachside Hotel & Resort

Amy Stone, Chris Barbosa, Frank Baric and Fernanda Rossi, Williams Island

Le Meridien Sunny Isles Beach team: Ghazal Yazdanparast, catering manager; Linda DeStasio, acting general manager; AYP Chairman Michael Yavner, Northern Trust; Executive Chef Tom Rhyneer; Michelle Frank, sales; Angela Roman, sales manager

BY BARI AUERBACH The Restaurant at Le Meridien recently rolled out the red carpet for Aventura Young Professionals invited to enjoy a "star studded" networking event at the elegant Sunny Isles Beach resort. Tom Rhyneer, executive chef/food and beverage manager along with Paul Radu, operations manager, and AYP chair Michael Yavner of Northern Trust extended a warm welcome to a stellar turnout of guests discovering why Le Meridien is internationally renowned for "star treatment" standards of excellence. Leaders from Aventura Mall, IT Doctors, Filene's Basement and Melnick, Lilienfeld & Castonguay, CPA's agreed lunch or dinner beneath the stars while gazing at breathtaking ocean views creates the perfect dining experience at The Restaurant - featuring contemporary American cuisine prepared with organic and all-natural ingredients. Friends from Aventura USA, Fabian Realty, ASAP Services, RBC Bank, Beachwood Financial and The Credit Council thanked their lucky stars they live close enough to The Restaurant to come back often and try favorite dishes like marinated Churraso Steak, Linguine Carbonara Classico, Pan-roasted Salmon and Jumbo Shrimp, scampi style. Experts from Southeast Computer Solutions, Goldstein Photography, Stern Bloom Media and Welcome/Bienvenidos Visitors Magazine concurred "star" starters at The Restaurant include Truffle Mac and Cheese, Seared Yellowfin Tuna, Fried Baby Calamari, Fire-roasted Chili Quesadilla and Roasted Artichoke and Spinach Fondue with crispy corn chips. Entrepreneurs from the Florida Marlins, Marksman Security, My Netkey, Nature's Best, Ameriprise Financial and attorney Mark Lynn were impressed to see exceptionally-priced salads, gourmet sandwiches, build your own burgers and pizza also play a starring role on The Restaurant's lunch menu. "Our focus is on creating quality food in price conscious economic times," Rhyneer said. The "Miami Spice" menu, extended through September, is yet another famous star reason to savor entrees such as Grilled Jerk Pork Tenderloin, Coconut Glazed Monkfish and Fig Glazed Flat Iron Steak - choices included in a three course dinner for $35 per person - a lunch menu is also available for $22 per person (excluding tax and gratuity). During the networking event, AYP members had the opportunity to tour Le Meridien and see all-star amenities within the luxury suite resort mixing contemporary culture with European heritage, creating a "culturally refined, meaningful and stimulating atmosphere." Sophisticated, opulent suites feature large screen TV's, washer/dryer, spa-quality bath amenities, stocked mini bars, high-speed Internet access, cordless telephones and spacious living areas. After considering the business benefits of reserving Le Meridien's abundant meeting space and opulent boardroom, star employees from the office of Dr. Richard Galitz, Goldstein Schechter Koch, Shelby Construction and Florida Breast Cancer Research Foundation and Equinox concurred for pure pleasure, everyone should enjoy the myriad of world-class services at Le Spa - Le Meridien's 6,000 square foot European style spa and health club. Hard working colleagues from Seo4anyone, Williams Island POA, Russian Magazine and CitiBank planned to make appointments for star body treatments, massages and facials - while leaders in need of pampering from Fastcare, Granoff Enterprises and AFLAC contemplated slowing down for manicures, pedicures and spa services with the finest selection of famousname product lines. From the first tempting tastes of Teriyaki Beef Tips - to the last bites of Coconut Macadamia Crusted Sea Bass, AYP members gave The Restaurant and Le Meridien a "five star" review for being "the perfect union of ultimate relaxation and fine dining in a sophisticated resort atmosphere offering the most exclusive spa experience!" For reservations at The Restaurant, Le Meridien or Le Spa, phone: 305-503-6000 or visit miami.lemeridien.com

September 9 - 15, 2009

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September 9 - 15, 2009

Florida Marlins Community Foundation's The Florida Marlins Community Foundation (FMCF) hosted its 3rd annual Fish 'N Chips Casino Party presented by Fox Sports Florida at The Fairmont Turnberry Isle Resort & Club raising $45,000 to benefit the Florida Marlins Community Foundation's Cornerstones for Kids programs and the Sun Sentinel Children's Fund. Event co-chairs Fredi Gonzalez, Hanley Ramirez and Jeff Conine were joined by coaches, players and an elite group of community leaders, celebrities and socialites for an evening of fun and stakes at the Craps, Blackjack, Roulette and Poker tables. A lush rose petal filled table with floating candle lights and orange rose pillars with baseballs seated on top, along with the tropical sounds of island music, Billy the Marlin and the Mermaids greeted guests as they entered the resort. The evening featured an array of hors d'oeuvres from The Fairmont Turnberry Isle Resort & Club, Bar Rosso Restaurant & Vinoteca, Christine Lee's at Gulfstream Park, The Grill on the David Samson, President, Florida Marlins; Summer and Cody Ross, Alley, Ocean Prime, Sugar Fancies, Marlins Outfielder Schakolad Chocolate Factory, Thira - A Taste of the Greek Islands and Bourbon Steak, cocktails courtesy of Premier Beverage, music, a Silent Auction filled with exciting items and a Tiffany & Co. "Mystery Box" wall. Guests included Jeff Conine; Benito Santiago, original Marlins catcher; Charles Johnson, former Marlins player; Tommy Hutton, Rich Waltz, Craig Minervini, Cookie Rojas, FS Florida broadcasters; Dan Le Batard, 790 The Ticket on-air personality; "Stugotz", 790 The Ticket on-air personality; Lorenzo Hampton, former Dolphins player; Sean Hill, former Dolphins player; John Harris, former NFL player; Guillermo Benites, WLTV Channel 23/Univision; Jose Luis Napoles, WLTV Channel 23/Univision; John Morales, NBC6/WTVJ Chief Meteorologist; Steve Shapiro, WSVN Channel 7, Sports Broadcaster; Julia Yarbough, Yasmin Mendez and Jose Luis Napoles, WLTV Broadcaster Steve Shapiro, WSVN NBC6/WTVJ Anchor; Pete Garcia, FIU Sports Channel 23 / Univision Channel 7 with Jeanette Matz Athletic Director; Jim Morris, UM Head Baseball Coach. Marlins players included Jorge Cantu, Brett Carroll, Chris Coghlan, Brendan Donnelly, Nick Johnson, Cristhian Martinez, Dan Meyer, Ronny Paulino, Hanley Ramirez, Cody Ross, Brian Sanches, and coaches present included Manager Fredi Gonzalez, Pierre Arsenault, Steve Foster, Andy Fox, Bo Porter, Carlos Tosca and Jeff Urgelles. "We were very excited to host Fish n' Chips in its 3rd consecutive year. It was a truly exceptional experience to be able to share this great event with our South Florida community," said Nancy Olson, executive director of the FMCF. "Thanks to the generous support of many, we are able to impact the lives of children in need," said Olson. Sponsors making this evening possible include Fox Sports Florida; The Fairmont Turnberry Isle Resort & Club; Tiffany & Co.; Premier Beverage; Florida Marlins LP; Calder Casino & Race Course; Marleen and Harold Forkas Alumni Center at FAU; Law Office of Bruce H. Freedman, P.A.; Thunder Electrical Contractors, Inc.; John Papa, D.C.; MD Now Urgent Care; Bar Rosso Restaurant & Vinoteca; Christine Lee's at Gulfstream Park; The Grill on the Alley; Ocean Prime; Sugar Fancies; Schakolad Chocolate Factory; Thira - A Taste of the Greek Islands; Bourbon Steak; Coca Cola; Corona Extra; Sabor Havana Cigars; Southern Audio Visual; Selecta Casino players enjoy winning at the game table Magazine; 790 The Ticket and Sharp Business Systems.

Event Co-chairs "Mr. Marlin" Jeff Conine, former Marlins Outfielder; Hanley Ramirez, Marlins All-Star Short Stop; Fredi Gonzalez, Marlins Manager

Mateo Posada; Henry and Christine Kraft

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3rd Annual Fish 'n Chips Casino Party raises $45,000

Rich Waltz; Jennifer Diliz, Director of Foundation Development, Florida Marlins Community Foundation; Tommy Hutton

Baseball Operations President Larry Beinfest and wife Katie; Kim and Scott Lieberman

News Anchor Guillermo Benites, WLTV Channel 23 / Univision; Charles Johnson, former Marlins Catcher; Chief Meteorologist John Morales NBC6 / WTVJ

Ronny Paulino; Marlins Catcher; Benito Santiago, former Marlins Catcher

Rich and Kellie Thomas with Billy the Marlin

Luly Valls; Pamela Silva, WLTV Channel 23/Univision; Brett Carroll, Marlins Outfielder; Carolina Perrina

Roger Obeso; Frank Fernandez; Cookie Rojas, former MLB player and current SAP Broadcaster; Armando Trabanco; with Marlins Mermaids

Nora Bulnes; Hanley Ramirez, Marlins All-Star Short Stop; Adriana Bermudez

Juan C. Martinez; Sue and Bruce Freedman Photography by Alberto Tamargo

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September 9 - 15, 2009

How valuable is your ability to earn an income? BY NICHOLAS GNAAD Most financial planners will agree that the single most important insurance for most people is disability income insurance. The logical reasoning for this is that most financial plans, hopes and dreams assume and depend upon the individualâ&#x20AC;&#x2122;s ability to earn an income. If a disability causes an individual to lose the ability to earn an income, chances are the plans, the hopes and the dreams are lost with it. The Council for Disability Awareness offers great information for the disabled as well as educational information on the realities of a long-term disability and helpful ideas on how to reduce your chances of suffering from a long-term disability. They have a fantastic website at www.disabilitycanhappen.org. As for protecting your income by way of long-term disability income insurance (LTD), I recommend the following: Do not assume your existing insurance will cover your expenses. Review your plan and know your benefits. Most employer/group plans have a

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maximum benefit which is taxable. Very often the net benefit is as low as 40% of income. In most cases, this may be supplemented. For larger incomes, do not assume you have reached your maximum benefit. The insurance industry is constantly introducing new plans to the market. Through traditional and non-traditional markets, even the largest incomes are almost fully insurable. If disabled you may be in a lower tax bracket. Depending on your income and business structure, it may make sense to have a higher limit disability policy and tax deduct the premium. (Discuss this concept with your tax advisor) Review your disability insurance portfolio with an experienced and independent insurance broker. I will always remember when I heard someone say â&#x20AC;&#x153;no one has ever gone bankrupt paying for disability insurance, but millions of families have gone bankrupt because they chose not to.â&#x20AC;?

Nicholas Gnad, Managing Partner of Beachwood Financial Group, an independent insurance brokerage, can be reached at 877-683-9200 or nickg@bwfg.com

September 9 - 15, 2009

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Bar Rosso “Spices” Up Summer & Beyond with Delicious Deals

Socialize by the Glass at downtown Aventura’s Newest Restaurant & Vinoteca where cuisine is designed with wine in mind

Bar Rosso’s Italian Indulgence

Wednesday is Lobster Fest!

Includes: Chef’s Choice Soup or House Salad; Chicken or Veal - Your choice of Milanese, Marsala, Parmigiana, or Scaloppini; and a Tiramisu Cupcake. Available Monday thru Friday 5p.m.-8:30p.m.

For $19.95 enjoy a 1-1/4 pound lobster over linguini. Served with a house salad and glass of wine. Available Every Wednesday until supplies run out.

Fabulous Fridays! Ladies drink free (well drinks, house wine) from 7:30p.m. until close.

19004 NE 29th Avenue

(behind Loehmann's Plaza)

305.933.3418 • www.barrosso.com

All Care Dental has created beautiful smiles for years. We offer the latest dental technology in a friendly, comfortable atmosphere. Our experienced team will provide you with the professional and personal attention you deserve.

WE OFFER: • • • •

Family and cosmetic dentistry Porcelain crowns and veneers Digital imaging Complete smile makeovers

• • • •

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PROMOTIONS: New patients receive $100 off any dental procedure. A $100.00 value (restrictions may apply)

FREE Whitening for Life!

Free oral cancer screening. Exclusive summer promotion: Exam (D0150), Cleaning (D1110), X-rays (D0120) and a whitening kit all for only $89.00 (restrictions may apply) Quantities are limited therefore HURRY AND SCHEDULE your appointment.

100 Kings Pointe Drive (159 Street and Collins Ave) Sunny Isles Beach, FL 33160

305-949-0733 • www.allcaredentalfl.com Financing Also Available • Most Insurances Accepted (HMO and PPO)

Page 16

AVENTURANEWS.COM

September 9 - 15, 2009

Robin G. Simon, D.O., F.A.O.A.O. Board Certified Orthopedic Surgeon

Giving the Same Care and Commitment as Always Dr. Robin Simon Specializes in: • • • • • • • •

Fractures Sports Injuries Hand Problems Back Pain Arthritis Nonunions Auto Injuries Work-Related Injuries

Dr. Simon has been in practice for more than 11 years, delivering quality orthopedic care to patients with a broad range of needs. After having been located in Aventura and Hollywood, Dr. Simon is now practicing in Fort Lauderdale, a more central location in which to serve the South Florida community. Ask your primary doctor for a referral or call our office directly to help you schedule your appointment.

To schedule an appointment today, call 954-497-1898 Most Insurances Accepted

3001 NW 49th Avenue, Suite 301 Lauderdale Lakes, FL 33313

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AVENTURA 305.932.6314 Neighborhood Shopping Ctr. • 2966 Aventura Blvd. Your insurance plan may provide full or partial payment for hearing aids. Call today to inquire about coverage.

19275 Biscayne Blvd # 22 • Aventura FL, 33180 (305) 933-0646

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Bay Imaging Group, Inc. Multi-Medical Diagnostic Facility, with a Comprehensive Menu of Diagnostic Testing Modalities including: MRI, CT, Mammography, X-Ray, Bone Density Testing and Ultrasound

September 9 - 15, 2009

25% OFF August & September Special (Bring this ad to get discount)

WHOLE BODY SCAN AND CALCIUM SCORING Whole Body Scan Normally @ $600 and Cardiac Calcium Score Normally @ $200 Total=$800 Total for Both with 25% OFF = $600 Additional Offer Vascular Screening

Which Includes:

• Echocardiogram • PVD - Peripheral Vascular Disease • DVT - Deep Vein Thrombosis

WHOLE BODY SCAN Whole Body Scans are used for “screening” of heart disease and cancer. In medicine, “screening” means looking for a medical condition in a person showing no symptoms in the hope of identifying problems early; when treatment can be most effective. There are many screening tests that look for different abnormalities. For example, a very popular screening test for women is the mammogram. Most mammograms are done on women who do not have a lump in the breast or other evidence of breast cancer; it is done as a preventive measure in hopes of catching breast cancer at an early stage. The Body Scan is based on the same theory... early detection. The “Body Scan” is used for the early detection of heart disease, tumors and other abnormalities throughout the torso. The Body Scan also “screens” for other abnormalities such as tumors. If cancer is detected early, before a person is showing symptoms, treatment may be effective. Screening is more useful for people who are high risk; including people with a history of heart disease, cancer, exposure to hazardous chemicals, high-stress lifestyles, obesity, etc. The knowledge gained from this scan may be a guide to better health, and plans for a healthier life.

CARDIAC CALCIUM SCORE Coronary artery calcium (CAC) has been shown to be highly specific for atherosclerosis, demonstrating that if there is coronary calcium present, there is plaque building up in the coronary arteries. There is ample evidence to now show that elevated coronary calcium scores (CCS) are predictive of future cardiovascular events, both independently of and incrementally to conventional cardiovascular risk factors. Based on current available data, patients with increased plaque burdens (increased CCS) are approximately ten times more likely to suffer a cardiac event over the next 3-5 years. Coronary calcium scores have outperformed conventional risk factors, highly sensitive C-reactive proteins (CRP) and carotid intima media thickness (IMT) as a predictor of cardiovascular events.

Vascular Screening is normally $800, but if done with the Whole Body Scan & Cardiac Calcium Score on the same day: $600 Questions? Check us out at www.bayimaginggroup.com and www.scandirectory.com Call Ahead to Schedule!

1755 NE 127th Street • North Miami, FL 33181 Phone: 305-891-1900 • Fax: 305-891-1911

September 9 - 15, 2009

SENIOR CITIZEN

GUIDE

AVENTURANEWS.COM

Page 19

Your Long Term Care Options

BYOKIMBERLY RIPLEY Attention baby boomers! The countdown has begun. Do you have a retirement plan set up to safe guard your financial future? There are over 76 million baby boomers in the United States. Do we understand what a retirement plan consists of? Retirement plans are for our parents, not usâ&#x20AC;&#x201C;we are too young to think of retiring! Think again! The best time to plan for the future is now. Retirement plans are established to meet financial needs and living expenses when you are no longer able to work or in some cases become chronically ill. The best time to start your retirement plan is in your twenties. Although, many people implement a retirement plan many years later. According to "Everyoneâ&#x20AC;&#x2122;s Money Bookâ&#x20AC;&#x201C;On Retirement Planning," by Jordan E. Goodman, "The largest sources of income are from Social Security (42%), employer-sponsored plans (23%), personal savings (21%), other government income (5%), sale of home or business (3%) and employment (1%)." Inflation must be taken into consideration when planning for your retirement. Early investing into different alternate sources of income such as an Individual Retirement Account (IRA), 401K Plan, Certificate of Deposit (CD), Money Market Account, 403 (b) Plan and 457 Plan are low risk and will help defray the inevitable rise of the cost of living. Letâ&#x20AC;&#x2122;s consider long-term care. What is long-term care? "Long term care can be inhome care, skilled nursing care in an extended care facility, assisted living in an apartment setting with nursing care available-- if needed, or a patient can live in a garden apartment which is like a condo type of settingâ&#x20AC;&#x201C;when the patient needs the security of an adult retirement community," according to Leah Jones, Admissions Coordinator of Noblesville Healthcare Center in Noblesville, Indiana. Letâ&#x20AC;&#x2122;s consider the cost of long-term care. Would you have enough resources to maintain your standard of living and pay for the cost of in-home care? If you had to go into a nursing home would you have enough financial resources to cover the costs of your care? If married, would your spouse be able to live the same standard of living they are accustomed to? AARP (American Association of Retired Persons) conducted a study in 2001. "The Costs of Long-Term Care: Public Perceptions Versus Reality" study that showed many people between the ages of 45 to 54 have no idea how much medical and nursing care will cost them. Many baby boomers assume Medicare will cover their medical costs when they retire from the work force. Some believe if

they qualify for Medicaid, their medical costs will be paid. "The national average for the cost of one month in a nursing home is $4,654 or $55,848 annually (costs vary widely depending on geographic location). Medicare does not cover extended nursing-home stays, and you must meet strict medical criteria to qualify for any coverage. Medigap- a private insurance supplement to Medicareâ&#x20AC;&#x201C;covers more costs, but its nursing-home benefit ends after 100 days in a benefit period, as does Medicareâ&#x20AC;&#x2122;s shortterm-stay coverage. Medicaid will help with the cost of nursing-home care in some cases, but only people who meet specific financial and medical criteria qualify for those benefits," according to AARP. Have you considered long term insurance? There are "long term care" insurance policies that can be purchased from an independent insurance agent. For long term insurance you pick the amount of daily benefit you wantâ&#x20AC;&#x201C;approximately from $75-$400 per day. The premium increases according to the amount of benefit you choose. The higher the daily benefit isâ&#x20AC;&#x201C;the higher the premium will be. Long term insurance policies are more expensive the older a person gets. Inflation can cause the premiums to skyrocket without prior notice. After you submit a claim, a board will determine if the insured is deemed chronically illâ&#x20AC;&#x201C;meaning the insured is unable to independently perform several daily living skills, such as; walking, bathing themselves, feeding themselves, using the toilet and the ability to transport themselves. Once the insuredâ&#x20AC;&#x2122;s claim is granted, the policy goes into effect. Specific criteria must be met for the insurance to cover the medical services the patient receives. For exampleâ&#x20AC;&#x201C;if a patient submits a claim for in-home care, the health care provider must be licensed. "Aunt Nellie" wonâ&#x20AC;&#x2122;t be paid to take care of

them. There are various local organizations that can refer you to licensed health care providers and if need be, licensed healthcare facilities. Long-term care insurance enables the insured person and their loved ones to keep more of their assets. A large monthly premium may be a burden, but in the long runâ&#x20AC;&#x201C;is it less expensive than having to pay for long term care by liquidating your estate to pay for medical careâ&#x20AC;&#x201C;possibly leaving your spouse homeless? Tips for investing in long term care insurance: â&#x20AC;˘ Before buying long term insurance read "all" of the fine print. If you are unsure of the terms of a policy you are considering or donâ&#x20AC;&#x2122;t understand the policy, have your lawyer go over it with you. â&#x20AC;˘ Donâ&#x20AC;&#x2122;t be in a hurry. Shop around for a policy that will meet your needs and fit within your budget. â&#x20AC;˘ Are the premiums guaranteed to stay the same as the cost of living increases? Is it stated in the fine print? â&#x20AC;˘ What are the exclusions? â&#x20AC;˘ What are the renewal terms? Is it guaranteed renewable? Underestimating costs is one of the most common mistakes when planning for your

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retirement. The $100,000 you have in the bank may not be sufficient to cover your future long-term care costs. Invest in your future. You will be glad you did. Baby boomers, itâ&#x20AC;&#x2122;s not too late to implement a retirement plan for your golden years. Studying your options and shopping for the best plan for you, will make your golden years brighter. Following is a list of resources where you can find more information on long-term care costs and assistance in planning. Your Stateâ&#x20AC;&#x2122;s Agency on Aging, Your Stateâ&#x20AC;&#x2122;s Department of Insurance, The Administration on Agingâ&#x20AC;&#x201C; (202) 619-7501 The American Association of Retired Persons (AARP) 1-800-424-3410 Aging Network Services (301) 657-4329 American Health Care Association (202) 842-4444 Alliance for Retired Americans 1-888-373-6497, Children of Aging Parents (215) 945-6900

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Mayor John Stembridge Retiring, Closing Stembridge Furniture Store All Merchandise Reduced for ‘Going Out of Business’ Sale After 41 years of providing South Florida with quality home furnishings, John Stembridge is retiring and closing Stembridge Furniture in North Miami. During August and September there will be a huge “going out of business” sale at Stembridge Furniture’s Contemporary, Traditional & Antique Reproduction Gallery in the heart of North Miami at 545 NE 125th Street. All inventory will be reduced for the sale from 50% to 70% off the original price, creating a unique buying opportunity. The furniture gallery features quality furnishings including designer lines such as Kathy Ireland and Gian Pierre. Included in the closing sale will be premier furniture lines from Ara, Ambiance, Francesca Imports, Pulaski, Union City Mirror & Table Co., A&C International, Therapeutic and King Koil among others. Antique reproduction styles of Louis the Fourteenth, Fifteenth and Neo Louis the Fifteenth, Victorian and traditional, in addition to contemporary lines will be on sale. Fine art reproductions and accessories such as mirrors, lamps, chandeliers, ceramic and bronze statuary are on sale, too. “Everything must go,” John Stembridge said. There will be financing available in addition to cash, credit card or personal checks accepted for payment. Stembridge is the former mayor of the City of North Miami from 1973 to 1975. He currently is on the board of the Miami Beach Holocaust Museum and the Miami-Dade Jewish National Fund. Stembridge is the former governor of Civitan International, recipient of the Jewish National Fund Leadership award and the Martin Luther King Brotherhood award. “It is time to concentrate on my global and spiritual interests full time,” said John Stembridge, “after devoting 41 years to my business and the South Florida community.” The Stembridge family at one time owned eight furniture stores in South Florida (Dade and Broward) under the Stembridge or Edison Furniture name. After the closing of the North Miami store, only Edison Furniture in Homestead, operated by his nephew Steven Stembridge, will remain. Now 71, Stembridge wants to establish a home and office in Jerusalem, in addition to his home base and work in South Florida. He wants to continue lobbying government, business and religious leaders worldwide to implement his Global Bill of Rights. He is particularly committed to building bridges of love and understanding between the world’s 1.5 billion Muslims, 2.2 billion Christians, 18 million Jews and the rest of mankind. Over the last three decades while still running his furniture business and being active in the South Florida civic and political communities, Stembridge has found time to be a personal lobbyist for his cause, visiting over 100 islands and nations, and meeting with their leaders. His personal lobbying efforts have ranged from meetings with Pope John Paul II, the top Ayatollahs of Iran, and the Chief Rabbis of Israel, Brazil and Turkey, among many others. “This will free me to do the work God has led me to,” Stembridge said, “to help bring freedom to oppressed people everywhere.”

September 9 - 15, 2009

Tips on Creating a Will SENIORGUIDECITIZEN BY CURT HAGEDORN Though everyone needs to make one, the word “Will” is very often one which people feel they need to whisper as though it were some dark secret, and the act of making a Will seems somehow an acceptance of the fact that we all have to go someday far too real for many people. However, like death and taxes, there’s really no way of avoiding making a Will if you have any wishes at all that you would like to see carried out after your death, or have any property which you wish to be disposed of in a specific way. Here are a few tips. • First and foremost, make one. In most cases, you may not need a lawyer to make a will, and there are even a variety of free or inexpensive computer programs out there that can take you step by step through the process. If your financial and family arrangements seem too complicated for do-it-yourself, or if you’re just uncomfortable, ask friends, family and business associates to recommend a reliable and trustworthy lawyer to help you through the process – remember that it’s up to you how much of the lawyer’s time you use, you don’t need to turn over your entire legal life, but may merely want to schedule an hour’s question and answer period for questions which may have arisen in preparing your own will. If you feel pressured or feel that charges are exorbitant, shop around – if there’s one thing there’s an abundant supply of these days, it’s lawyers. • Take a class. Your local college or university, adult education or community center may provide classes in will making and estate planning. If you’re uncomfortable about the process, there’s no better way to demystify it than by learning something about it. If you can’t find a class, try organizing one at work or at your church or other community group – you’re going to find that there are a lot of people out there just like you, current statistics show that about 70 percent of Americans don’t have wills.

• There are rules concerning the validity of wills, which vary from state to state, which your lawyer should know and you can check with your state and local government. For example, some states will accept a handwritten will, others require the will to be typewritten or in a certain form, witness requirements are different and so on. • Keep it simple. Part of the reason that people shy away from making a will is that it is, in some ways, your final statement of the “value” of your relationships, at least as far as distribution of your assets is concerned, and so preparing a will seems like a task on the order of organizing a family reunion – huge and fraught with the potential for drama. Your will does not have to be all things to all people – merely to dispose of your assets in a manner which makes sense to you. And, all of the scenes you’ve seen in movies and on TV notwithstanding, a will is not an opportunity to settle old scores or cause hurt. Decide on the people and institutions you would naturally like to see receiving some of your assets after death, and let those left out worry about it on their own. • Wills are not final. Remember to update your will, once you’ve written it, should there be any significant change in your life. For example, if you have another child, if you purchase additional property or a country house, if you get divorced and so on. • Though few wills are ever challenged, if you die without one, the state will decide upon the distribution of your property and, if you have any, custody of your children. Why would you ever want that? • In addition to a will, remember you might also want to create documents called “Durable Powers of Attorney” which deal with asset management in the event you’re incapacitated for a period of time, and a what is often called a “Living Will” which contains directions from you concern healthcare issues like the use of extraordinary means of resuscitation and continuation of life support.

Barbara Buxton, J.D., LL.M. Florida Attorney/Lawyer

Nursing Home Medicaid • Elder Law & Estate Planning Florida Medicaid Planning & Eligibility Asset Protection • Wills, Trusts, Living Wills Powers of Attorney • Guardianships Probate: Estate Administration

Serving Dade, Broward & Palm Beach Counties Tel.: 305.932.2293 Miami-Dade County 954.760.7077 Broward County www.buxtonlaw.com

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Why you should consider long-term care insurance BY BRUCE DAVIS The majority of us will require assistance with health and personal needs. Long-term care, whether provided at home or in a nursing home, can be very expensive. The average cost of one year in a nursing home is nearly $74,000;1 round-the-clock home care can be much more.2 Unfortunately, many people are not prepared for these expenses, partly due to increasing life expectancies. Half of couples age 65 and over can expect one spouse to live past 90.3 And living longer does not always mean living healthy. When you cannot perform two of the six Activities of Daily Living (bathing, eating, dressing, toileting, continence, transferring), long-term care insurance can provide for paid assistance. Neither the government nor your health insurance will cover your long-term care needs. Medicare provides little, if any custodial care. Medicaid, which is a government welfare program, will not provide long-term care for you until you have impoverished yourself down to $2,000 worth of assets in most states.1 Furthermore, Medicaid no longer excludes the value of your personal residence from your net worth. In addition, it will “look back” five years for possible asset shifting among relatives. In addition, we are a generation that overspends and undersaves. Many people do not invest enough for retirement, much less plan how to protect those assets from being consumed by long-term care needs. No one wants to labor a lifetime to accumulate assets only to see them depleted by health care expenses. Whether you want to preserve your estate for your heirs or simply have enough to pay these expenses without exhausting your assets, you should consider long-term care insurance. “We insure our homes against the slight risk of losing them in a fire, and our autos against the somewhat higher risk of damaging them in an accident. These risks pale beside the magnitude of risk of needing

care as we age, which is greater than 1 in 3,” according to one major insurer.2 “Unless you have made provision for long-term care, your financial program could be thrown into chaos by large, unanticipated costs.”1 If life insurance is your protection against dying too soon, then long-term care insurance is your protection against living too long. What should you look for in a policy? • Be sure the policy covers in-home care; most of us would prefer to stay in the comfort of our own home. For every person in a nursing home, there are four more being cared for in their homes.2 In-home care may include home health aides and personal care attendants for help with hygiene, dressing and managing medications. Homemaker services may be available for help with meal preparation, laundry and light house cleaning. • Adult day care programs are usually covered, as is hospice care in the event of terminal illness where special care at home or in a facility is required. • Substantial discounts may be available for shared policies that couples buy together. • Check the policy to determine if care providers can be independent, rather than affiliated with a home care agency. That way, even friends and neighbors may be able to provide unskilled services. • Be sure that assisted care facilities for Alzheimer’s are not excluded, and that you can have private duty nursing care in a nursing home if desired. • A good policy will have built-in inflation protection, providing annual benefit increases. Once coverage begins, some policies waive premiums. You must select several required options: • What do you want the monthly benefit to be? Most people choose between $3,000 and $5,000. In a good policy, the amount you do not use one month stays in the pool of available funds, thereby extending the life of the policy. • For how many years do you want coverage? The average stay in a nursing home is 2.4 years and home health care is longer. Therefore, many people choose 5 to 7 years. 4

The Secular Jewish Humanists of South Fla are having a Community Rosh Hashanah Celebration and Luncheon on Sunday, September 20, 2009 at 3:00 PM in the Thyme Restaurant, 350 Bay View Drive (Arlen House complex at 158th St and Collins Ave, Sunny Isles Beach) Complete dinner with wine, Choice of entree. There will be Secular Jewish readings and singing led by Andy Susman. along with candle lighting and shofar calls. Prizes to be raffled. Cost is $37 for adults, $21 for students. Call Lores (305) 931-2614 or Rema (305) 531-2612 for information. RSVP by September 14 2009.

• How long will your elimination period be before benefits kick in? All policies have an elimination period — the amount of time you must pay expenses yourself before your coverage begins (e.g., 30, 90 or 180 days), which is like a deductible. The longer the elimination period, then the lower the premium will be. Considering long-term care needs requires us to look far ahead. Since premiums are based on age, the younger you are, the less expensive the premiums can be. Premiums are also flat — but rate increases have been made on some policies. Consumers should examine the history of rate increases made by companies they are interested in for long-term care. A financial advisor can help you select the coverage you need and determine a financially strong insurance company with a good track record. Long-term care insurance provides a financial “safety net” to help preserve financial independence, choice and dignity in advance of any unforeseen circumstances or crises. It can be a thoughtful way to protect rather than strain family relationships when the time comes for you to need care.

For More Information Please call The Davis Group at Morgan Stanley Smith Barney at 305-937-7108 or view our website www.morganstanley.com/fa/thedavisgroup for more information and access to other informative newsletters. Medicaid Gets Tough, Prepare to Pay for Your Own LongTerm Care,” Mary Beth Franklin, Kiplingler’s Personal Finance Newsletter, May 2006 2 Carolyn Harwell, Genworth Financial Assurance, “Should I Buy Long-Term Care Insurance?” Junior League Volunteer Voices, Memphis, TN, May 2005 3 Dr. Gregory Sailsburg, “But What if I Live: The American Retirement Crisis: A Retirement Guide for Baby Boomers,” 2006 4Centers for Disease Control, National Nursing Home Survey: 1999 Summary, http://www.cdc.gov/nchs/fastats/nursingh.htm Important Disclosures Articles are published for general information purposes and are not an offer or a solicitation to sell or buy any securities or commodities. Any particular investment should be analyzed based on its terms and risks as they relate to your specific circumstances and objectives. Morgan Stanley Smith Barney does not render advice on tax or tax-accounting matters. This material was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts, asset protection and estate planning. Investments and services offered through Morgan Stanley Smith Barney LLC, member SIPC.

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AVENTURANEWS.COM

Naples â&#x20AC;&#x201C; Almost in your backyard

September 9 - 15, 2009

Computer Programs BY PATRICIA C. FRANK You may not own a computer or know anything about them but you can still benefit from their systems and take advantage of how they operate. After all, computers were invented by human beings to offer individuals increased options in their lives. If you compute something you find out a definite fact. Then you figure it out and you work it out. It is not necessary to have the actual equipment. You already have an inner computer. It was installed at birth. You can use this inner computer to do all kinds of amazing things. When things go wrong in your life and when you feel depressed or sad or angry you can use your inner computer to reprogram yourself. For instance if you are in an unhappy relationship and you cannot think of anything good or positive about the other person there are specific things that you can do to change your feelings. You can use your inner computer to reprogram yourself. You can download a program and install it in your heart. It will require you to write down one thing that is good and positive about that person. You will need to run this program everyday. At the end of a month your previous

thoughts and feelings will be erased and a new program of positive and loving thoughts and feelings will be installed. If you are depressed you have several programs running simultaneously. These files are labeled; Hurt, Resentment, Guilt and Anger. These files must be turned off to allow you to continue to operate. If they remain in your memory they must be disenabled so that they do not disrupt your other positive programs. They have to be deleted. You have to start over. You have to click on forgiveness. Forgiveness is a basic program. You will have to upgrade it to include self-forgiveness. You will also have to install; self-acceptance, self-esteem, and selflove. It is necessary to run these programs everyday until they override the other negative modules. It is also a good idea to have anti-virus protection. This is a code you can install to protect yourself and your system from becoming infected with negative, self-defeating programs. Without protection and vigilance everything that you worked so hard to install in the hard drive of your life can be obliterated in a second. Be careful and be aware. Patricia Frank is a Licensed Psychotherapist. She can be reached at 305788-4864, 212-308-0309.

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September 9 - 15, 2009

AVENTURANEWS.COM

Page 23

Denise Rubin talks Real Estate

Anthony Robbins BY DENISE RUBIN The Real Estate business has many perks. One of them is all the different people you get to meet. I’d like to share one of the most memorable with you. Being a workaholic I take little time off but one day I went shopping at Nurielle in Surfside. My phone rang and the voice on the other end said, Hi my name is Tony Robbins and I’d like you to help me find a property in Miami. He said he already had a home in Fiji, The Gold Coast, VanCouver, etc. etc. Click. Ding-Dong-Pow-Wow. I said, are you “The Tony Robbins” whose publications and books I have read and re-read, whose seminars I attended and even “walked over fire with? He said “Yes”, and I said I’m so glad you called me, I thought to myself. I know he knows people from all over the world and he wanted to work with me… I was taken aback. I said I am one of your biggest fans and I think you are “The Best!” He said, “I did my homework and wanted to work with the best Realtor, You” I was humbled and excited and realized all my hard work over all the years showed. I had won the Builders Association Award that

year. I have since won 22 Best Awards, Best Realtor of the Year 2004-2008, Best Marketing of Condos, Best Marketing of Homes, Best Website 4x and for print, etc. etc. And now, Tony Robbins recognized this…! So, I picked him up at The Tides Hotel in South Beach, his new wife Sage came out with a baby stroller to see him off. I thought, wow a baby…then a Yorkie “Missy” popped her head out. I have a male Yorkie, Bentley – so we immediately had that in common. I had this world famous motivational speaker and coach to some of the most famous stars and politicians in my car, a captive audience for 3 days. I tried not to ask too many questions and to focus on Real Estate but it sure was hard. We looked at homes on the Islands in Miami Beach and we looked at Penthouse condos from Miami Beach to Aventura. In between real estate talks I asked advice – I couldn’t help myself. Tony favored a huge Penthouse in Bal Harbour. To quote the Great Anthony Robbins. “There is a powerful, driving force inside of every human being that once unleashed can make any vision, dream or desire a reality”. Call Denise Rubin, Denise Rubin Realty, @ 305-409-0019 for all your Real Estate needs and visit www.deniserubin.com for all listings and virtual tours.

and

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TUESDAY, SEPTEMBER 15, 2009 AT AMC AVENTURA 24 TO RECEIVE A COMPLIMENTARY PASS FOR TWO, BE ONE OF THE FIRST 10 PEOPLE TO CALL (305)669-7355 FRIDAY SEPTEMBER 11 AT 2PM Passes are available on a first-come, first-served basis. One pass per person. Each pass admits two. NO PURCHASE NECESSARY. Employees of all promotional partners and their agencies are not eligible.

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Page 24

AVENTURANEWS.COM

September 9 - 15, 2009

AVENTURANEWS.COM

Page 25

‘Extreme Meal Makeovers’

Francis Rajotte

BY BARI AUERBACH

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Liposuction that cream sauce out of your pasta! Lifestyle lift those French fries and onion rings off your plate! Nip and tuck away that ice cream sundae with extra whipped cream! If you still haven’t reached your personal weight loss goals, it’s time to implant these brow lifting “extreme meal makeover” suggestions: Before: Chicken fingers, French fries and a coke After: Grilled chicken, brown rice and sugar-free lemonade Before: Turkey with gravy, baked potato and sautéed vegetables After: Turkey burger, sweet potato and steamed vegetables Before: Beef Lo Mein and egg rolls After: Flank steak, whole wheat pasta and lettuce wraps Before: Chef Salad, clam chowder, saltine crackers, After: Chopped Salad, vegetable soup, whole grain roll Before: Bagel, scrambled eggs, coffee with creamer After: Oatmeal, egg white omelet, coffee with non-fat milk Before: Pizza, chicken wings, breadsticks After: Bruchetta with fresh tomatoes, salad, and garlic bread Before: Ice cream, chocolate cake and bananas foster After: Sorbet, two cookies and fresh fruit salad Before: McDonalds Chocolate milkshake After: Designer Whey chocolate protein shake

Lower fat and calorie dieting tips from “Supercut Nutrition for the Ultimate Physique”: *Use plain vinegar and/or lemon juice for salad dressings rather than oil and vinegar or other oil-containing dressings. Use vinegar as much as possible since it helps to burn fat. *Buy whole-grain bread in a health food store, being sure it’s baked without oil, but-

754.422.0120

www.francisrajotte.usptapro.com United States Professional Tennis Association ter or shortening. Such relatively unrefined grain products are low in calories compared to regular grocery store bread. *If you can make a choice between fish and chicken for a meal, choose fish since it’s significantly lower in calories. *Eat bread plain, without butter, jam, jelly or peanut butter. It isn’t the bread that’s so fattening but the stuff put on it. Similarly, eat baked potatoes without the butter or sour cream. *If you have a craving for sugar or junk food, eat a serving of a naturally sweet fruit like strawberries or a melon. *Avoid excess sodium, such as in salt, dietetic foods, and artificially sweetened drinks. Sodium retains excess water in the body. Instead of a diet soda, drink iced tea with lemon. *If you must drink milk or eat milk products, use only those made from nonfat milk. *Fry nothing. Broil, boil or bake fish and chicken. Try broiling fish or chicken over a charcoal fire for added flavor. Before cooking poultry, remove the skin, which contains large amounts of fat. *Steam vegetables instead of boiling them. Boiling leaches out too many vitamins and minerals. Do not add butter or margarine to the steamed vegetables. *Cook with herbs and spices as much as possible. By using different kinds, you can easily make chicken breasts taste different every day of the week. Low fat/low calorie dieting is definitely the answer to problems bodybuilders, other athletes and fitness-minded individuals have experienced in losing fat. Give it a try and you’ll find that the low-fat diet can truly create “miraculous extreme makeovers!”

You know what happens when you don’t advertise? Nothing. To avoid nothing from happening call 305-669-7355 today.

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Page 26

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September 9 - 15, 2009

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September 9 - 15, 2009

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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.

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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.

September 9 - 15, 2009

AVENTURANEWS.COM

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• Reroof/Repairs • Owner on every job • Specializing in roof leak repairs • Work guaranteed • Serving Florida since 1994

ROOFING WILLIAM CARPENTER - President/Owner

ALL-TECH ROOFING I INC • (305) 247-6717 Lic. # CCC1328633

FREE

MANICURE with the Purchase of a PEDICURE

EXTRA MONEY

NEW CUSTOMERS ONLY

HAIRCUT

with purchase of Wash & Blow Dry

ONLY

$25

NEW CUSTOMERS ONLY

For Appointment Call:

305-933-3379

Just a Trim Hair & Nail Salon

Some Restriction Apply

5/08-MG

• Financial Independence can be yours! • We provide intensive training for self-starters who are willing to work and learn

FREE

ACRYLIC FILLS

18240 W. Dixie Hwy.

English 786-236-9923 Español 954-328-1767 One of a kind opportunity you cannot miss!

BISCAYNE WELLNESS CENTER OF SOUTH FLORIDA

Board Certified Physician-Family Practice SPECIALIZING IN: • Preventive Pain Management • Nutrition-Weight Control • Sleep Disorders • Anxiety • Depression

0909DKM

UNEMPLOYED? LOSING YOUR HOME? DO YOU NEED:

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0909DKM

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

ON-SITE DISPENSING

Call for Appt NOW

305-341-3440

OPEN SATURDAYS Walk-ins Welcome 1st Visit $125 (includes Lab Work)

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

Page 30

AVENTURANEWS.COM

September 9 - 15, 2009

B LINDS M OTORIZATIONS U PHOLSTERY D RAPERIES

TOP TREATMENTS C ORNICES H unter - D ouglas Installation Service

STEVES DRAPERYS 305-588-0766

& Installation Service. We do Service Calls!

DM1021

T H E H O M E I M P R O V E M E N T D I R E C T O R Y • CALL (305)661-9200 • (954)962-6776

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Commercial & Residential • Licensed & Insured

% V E RT I C A L OFF BLINDS

Blackout Shades ¥ Wood blinds ¥ Sheerweave Shades Shutters ¥ Pleated Shades ¥ Silhouettes SALE CARPET FROM

Cleaning homes like yours since 1979. Every cleaning inspected and guaranteed. Uniformed, bonded and insured.

SQ. YD.

Reliable and Secure

Wholesale Blinds & Carpet

All Flooring & Window Treatments

(954) 600-0592

0728GT

Porcelain Tile ¥ Wood Laminate, Mable

For Information:

(305) 430-M AID ( 6 2 4 3 ) $ 15 . 00 OFF

(954) 921-2332

Yo u r F i r s t & S e c o n d R e g u l a r Cleaning with Mention of this ad!!

DS0911 All- Papers

MAID BRIGADE BENEATH THE CLEAN, YOU’LL FIND SPARKLING CUSTOMER SERVICE!

Mr.. Marble Mr

Mr. Marcello Cell.:(305) 608-4953 Tel.:(305) 694-1259

•

“We Do TREE-RRIFIC Work”

OFF

Members of the International Society of Arboriculture FREE ESTIMATES

Prompt & Courteous Since 1982

305-253-7374

All Plumbers Are Not the Same!

Located on the S.W. Corner of I-95 and Ives Dairy Rd.

(with this ad)

GT819

With $15.00 OFF

1125DS

We take pride in our customer service. From the time you call, until our Technician leaves your home, you will be treated fairly & with respect by our courteous & knowledgable staff. TRY OUR SERVICES AND OUR 100% SATISFACTION GUARANTEE. YOU CAN’T LOSE!

“We Do It All” 1608 NE 205 Terrace • Miami, Fl 33179 305-652-2111

• Selective Pruning • Stump Grinding • Trimming •

A•T•T•E•N•T•I•O•N HOMEOWNERS

0902AB

We carry every major line in the industry 25 years serving the community Residential • Commercial • Hospitality Now offering shop at home

L A N D S C A P I N G

Licensed & Insured • Residential & Commercial Specialist

FREE ESTIMATE Licensed & Insured

CARPETS • RUGS • WOOD

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September 9 - 15, 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

Cosmetic & Family Dentistry and Orthodontics

• Cosmetic And Family Dentistry • Smile Makeovers • Veneers • Whitening • Zoom in Office Whitening • Crown and Bridge • Implants • Invisalign • Dentures

$60.00

(with this ad and same day payment)

•

C A L L

Se habla Espanol, Falamos Portugues, Nous Parlons Francais Most insurances welcome and payment plans available.

305-466-2334 The Art of Dentistry, Valeria Soltanik DMD P.A. 2999 NE 191st Street, Suite 350 • Aventura, FL 33180 www.soltanikdental.com

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

WEEKLY HOROSCOPES Aries -You will likely be on the phone a fair bit this week, nailing down the details to some plan or scheme. You have an opportunity to take on a new leadership role if you are quick on your feet. Someone needs something only you can do, but you gotta move quick! Taurus - An argument with a friend may

New Patient Special! • Initial Oral Exam [ADA0110] • Diagnostic Digital X-Rays [ADA0274] • Adult Cleaning [ADA1110] • Consultation and Treatment planning with the Doctor

Page 31

highlight a significant difference of values that you did not know had come between you. You may discover though that you can resolve your differences through the timely intervention of a family member or relative whose calmer head prevails.

Gemini - You are incredibly attractive this week, and you will find that it is the more thoughtful people who are interested in what you think, believe or have to say. A dynamic and interesting person who has wild, radical ideas could drift across your path this week.

Cancer - Your intuition is amazing right now. You seem to be reading people's minds. You know when the phone is about to ring, you slow the car down just when that guy in the other lane cuts you off without looking. Your energies are in tune with life around you. Leo - You will have opportunities to get out and meet people. You'll be making new friends, and some of you will even be meeting new love partners. You will be attractive, energetic and active, and your libido is very strong right now. There is nothing sexier than self-confidence! Virgo - It's a high energy week and you have a lot of ideas about ways to add some substance to your bottom line. Follow your intuition - your "gut feel" or a sudden insight could prove to be a money maker. Avoid arguments about international politics, though, you are not your most "politically correct".

OCEAN CADILLAC

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

Libra - You may meet the love interest you have been waiting for if you are single. If not, you may have lucky encounters with people who help boost your self-esteem in other ways. You really could use a "for your health" break from the daily routine. Scorpio - You have an interesting opportunity to make some money from real estate investment, or from a business based in or around your home. The men in your life could come in handy this week. Everyone will have a lot of energy and optimism right now. Sagittarius - You are in love with love this week. The air is full of romantic, sexy possibilities. You love nothing more than to find someone to talk to and you could be up all night in deep, passionate and intriguing conversations with someone special.

Capricorn - Good news is coming your way that will brighten your working conditions or improve your overall health. Your intuition may lead you to a solution to a problem concerning contaminants in the workplace that are leading to problems with everyone's well being. Aquarius - Whether you are a parent or not, you are likely to be focusing a good deal of your energy on children this week. Someone you love may soon be announcing a birth, there may be news of a pregnancy or it may be that you are considering adding a branch to your own family tree. Pisces - Changes in your home or real estate investments will bring welcome changes to your daily life. You may be considering moving to a better neighbourhood, and you will definitely be moving on up in the social scene. People you meet through a family connection could prove to be benefactors or mentors in your career. 1000 Kane Concourse Bay Harbor, FL 33154

(305) 864-2271

Page 32

AVENTURANEWS.COM

September 9 - 15, 2009

You Look Smart Because You Are Smart… You Shop at

FILENE’S BASEMENT Shopping the Basement sets you apart from the ordinary mall crowd. Our European and American designer fashions are as distinctive and expressive as your sense of style.

And Basement Prices are

Always 30-60% off the original boutique and department store prices

Bargain Shopping Just Got Easier! Enjoy the convenience of our complimentary personal shopping service, specializing in men’s & women’s apparel. phone 305.936.2497

Where Bargains Were Born.

FILENE’S BASEMENT 176th & Biscayne Boulevard in Aventura