Aventura News 11.30.2011 by Community Newspapers

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Aventura

––––––– P u b l i s h e d i n c o o p e r a t i o n w i t h T h e A v e n t u r a M a r k e t i n g C o u n c i l –––––––

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

Nov. 30 - Dec. 6, 2011

Nine organizations unite to honor veterans with ‘Military Room Makeover’

lthough the atmosphere at the recent “Tribute to Veterans – Military Room Makeover” was festive, the hundreds of guests and veterans who attended the kickoff program and street fair organized by the Dania Beach Design District (DBDD) and Dania Beach Chamber understood the importance of the day. Amidst clowns and classic cars and gourmet food trucks were our military veterans...some of them recently returned from Afghanistan and Iraq. Elected officials and business leaders from the participating cities and chambers had the opportunity to honor “their” veterans and their families, and to personally thank them for service to our country. Under the –––––––––––––––––

See

VETERANS, page 6

Jason Recio, Purple Heart Recipient, Honoree City of Sunny Isles Beach; Edward Zaluski, Honoree iReachAmerica Foundation; Nunzi Canizzi, Honoree Greater North Miami Beach Chamber; William Berardi, Purple Heart and Bronze Star Recipient, Honoree Greater Hallandale Beach Area Chamber; David Patlak, Honoree Miami Beach Chamber; Joe McKeon, Honoree Greater Hollywood Chamber; Arthur Drago, Honoree Greater Ft. Lauderdale Chamber; Martin Escoto, Purple Heart Recipient, Honoree Aventura Marketing Council; Brandon Paquette, Honoree Greater Dania Beach Chamber; Natalia Zea CBS 4 News-Miami Reporter, Emcee

Brandon Paquette, Honoree Greater Dania Beach Chamber and Craig Urbine, President, Dania Beach Design District

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Nov. 30 - Dec. 6, 2011

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Nov. 30 - Dec. 6, 2011

AVENTURANEWS.COM

Wandering & Pondering What Age

A child of 10 will look at someone five the two or more years she needs to accomyears older and think that that’s old. plish that goal. Someone that’s 20 or 30 considers someThen there is the son, his wife and two one of 40 or 50 as “getting up there.” So it children that has his house in foreclosure continues to perhaps the 60s and 70s. and feels that by coming home to George The question really consists of and Grace, he can get a chance where someone is old and could, to save enough perhaps to get in theory, retire to some retirement a new start in business. spot and start winding down. In All this is well and good but today’s climate someone like where does it put George and George and Grace should be in Grace? These are after all their that situation. They have raised children who need their help. two kids, one of each gender, If they continue to keep their worked long in their business or house open for the kids, what DAN PALMER profession and started checking all of a sudden what does that out retirement areas where they could per- mean to their retirement hopes? haps just wind down and just enjoy the fact Here they are in their 70s and all of a that they are retired. This could mean sell- sudden it seems like they have to go back ing their home which has now just them- to their 40s and the responsibilities of 20 selves in it. or 30 years ago. However, their daughter has just gotten a Their question seems to be exactly divorce and feels that she has to go back to what and where does this winding down school to get a masters to help her to start? improve her personal position, that means Where does it end? that she wants to return to their home for This is some retirement.

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Nov. 30 - Dec. 6, 2011

Around Town in Aventura The Kabbalah Center hosts Aventura Marketing Council Networking Reception Aventura Vice Mayor Zev Auerbach, The Kabbalah Center; Denise Rubin, Prudential FL Realty; Orly Auerbach, The Kabbalah Center

Elana Eli, Tropic Survival Advertising & Marketing; Dan Palmer, Aventura News; Dr. Jack Berman, Berman Chiropractic

Omar Gonzalez, Northwestern Mutual / Laser Financial Group; Stephany Gonzalez

South Florida Symphony premiers at Aventura Arts & Cultural Center featuring Matt Allen, award winning cellist The South Florida Symphony opens the 201112 Season with Vaughan Williams beautiful Fantasia on a Theme by Thomas Tallis. Scored for two unequal string orchestras and string quartet, the spread chords, majestic cadences and unearthly serenity make this piece an enduring favorite. Mendelssohn declared that all of Italy is featured in his 4th Symphony: its people, its landscapes and its art. The Final movement Presto, the most characteristically Italian as it takes on

the style of a salterello, a lively Roman countrydance, dating from the sixteenth century. Award winning cellist Matt Allen, performs this classical repertoire Tuesday, Dec. 6, 8 p.m. Matt was recently the first prize winner of the National Federation of Music Clubs Young Artist Award Competition, this past June. Mr. Allen is now studying at the Steans Institute of Ravinia, under the tutelage of cellists Frans Helmerson, Paul Katz, Tim Eddy and Ralph Kirshbaum.

Aventura Mall raises $15,000 for The Children’s Craniofacial Association during its Annual Chocolate Festival On Sunday, Oct. 9, Aventura Mall hosted its annual Chocolate Festival raising $15,000 for the Children’s Craniofacial Association. In the mall’s center court, visitors exchanged raffle tickets for mouthwatering chocolate creations prepared by participants that included: Grand Lux Café, Porto Vita, Turnberry Isle Miami, Turnberry Ocean Colony, Alisa’s Painted Bistro, Florida International University School of Hospitality, Nordstrom Café Bistro, Miami International University of Art & Design, We Take the Cake, Godiva, Woodfield Country Club, Coffee Bean & Tea Leaf and more. In addition to the succulent treats, guests were awed by a one-of-kind fashion show which featured intricate and ornate chocolate-inspired gowns created by students from Ai Miami International University of Art & Design. Designers of the winning chocolate gown won a $500 Aventura Mall gift card.

Yael Goldman, The Kabbalah Center; Alejandra Florez, Northwestern Mutual / Laser Financial Group

Lance Detotto, Newport Beachside Hotel & Resort with Eileen Glastein, Bnai Zion

The Chocolate Festival was sponsored by Epic, Gym Kids, New York Bakeries, Ann & Ari Deshe Family, B.C. Tacos and Isle Casino.

For information, call 305-935-1110 or visit aventuramall.com. Become our fan on facebook.com/AventuraMall or follow us on Twitter @AventuraMall.

Nov. 30 - Dec. 6, 2011

AVENTURANEWS.COM

Ripple Ripple Ripple

Patricia C. Frank FRANKLY SPEAKING A ripple is a ruffling of the waterâ&#x20AC;&#x2122;s surface that spreads out in all directions. This ruffle disturbs the smoothness and tranquility that exists in that moment. The ripple wave undulates and stirs up not only the surface but beneath the surface as well. Human beings are just as vulnerable to ripples as any body of water. Your life and your spirit can be affected by ripples. Every day, you are just going about living your life. When out of nowhere, comes a ripple-maker. A rock or a stone or even a pebble may hit you. That one action can create a disturbance and create far-reaching changes in your life. It can shake you up and unnerve you. Ripples are things that you cannot control in life. Things like death, disease and aging are major ripples. The size and weight of the issue or the object determines how deep it goes and how much it will dis-

combobulate you and your life. It can be startling to see how far the ripples reach and how much they spread into every nook and cranny, touching everything and changing everything. Things do not always go smoothly or remain smooth in life. You cannot protect yourself from unexpected events. Because this is a truism, you need to learn how to cope with change and learn how to accept the unacceptable. Once something happens you may feel agitated, bothered or flustered. You may feel hurt, sad or angry. You may even feel like crying. You may feel disappointed that no one prevented it from happening to you, not God, the Universe, Life or family and friends. Since, you cannot change what happened, the best and healthiest reaction is to accept it. Complaining will not change a thing. Some ripples can be nice, innocuous and even wonderful. Some rocks and pebbles, tossed at you, can be blessings and create positive ripples. Think about the ripples you may create before you toss anything at someone else. Patricia Frank is a Licensed Psychotherapist. She can be reached at 305-788-4864, 212-308-0309.

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AVENTURANEWS.COM

Nov. 30 - Dec. 6, 2011

Nine organizations unite to honor veterans with ‘Military Room Makeover’ VETERANS, from page 1

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leadership of Craig Urbine, DBDD President, lead sponsors emerged to help with this effort: Dania Beach Chamber, City of Dania Beach, Luxe Interiors & Design Magazine, the Aventura Marketing Council and event partners from The Florida Panthers, The Florida Marlins, The Continental Group, BankAtlantic, County Line Chiropractic Medical & Rehab Centers, Everbank, Waste Professionals, Sun Sentinel, CBS 4, Neighbors 4 Neighbors, Aventura News, Sunny Isles Beach Sun, Miami Beach News, Stepping Out Florida Events, Parksman Parking, Minto Communities, The Creative Workshop, Dania Beach Lions Club, Jimmie’s Chocolates, Jaxson’s Ice Cream Parlour & Restaurant, Gallery Art and CK Holding Group. Proceeds from the event benefited Wounded Warriors and the iReachAmerica Foundation, both organizations dedicated to helping veterans return to civilian life. Natalia Zea, CBS-4 News reporter served as Emcee and the Blanche Ely Junior ROTC presented the colors before Nicole Henry, an internationallyrecognized award-winning singer mesmerized the audience with her emotional rendition of the national anthem. Youngsters from the Vladimir Classical Ballet School entertained the audience with patriotic dances, as a sumptuous VIP lunch reception was being prepared by the Fort Lauderdale Art Institute, International Culinary School under the direction of Chef Director Jack Kane. Nine top interior designers were announced during the ceremony to recognize their donation of time, talent and resources to creating ‘dream rooms’ for the veterans. “The caliber of designers selected for this program is very impressive, and the Dania Beach Design District is proud to lead such a worthy program to thank veterans who have sacrificed so much for our freedoms,” said Urbine.

For information, call 954.822.1335 or visit daniabeachdesigndistrict.com PHOTOS BY ANDREW GOLDSTEIN

Front Row: Doug Weber and Peter Caspari, iReach America Foundation; Julia Costin, SMX Services & Consulting / iReach America Foundation. Back Row: Jason Recio; Edward Zaluski; Nunzi Canizzi; William Berardi; David Patlak; Joe McKeon; Arthur Drago; Martin Escoto; Brandon Paquette. Not pictured: Rhett Alexander, Rhett Alexander, LLC / Military Room Makeover Designer for iReachAmerica Foundation

L E F T: Aventura Commissioners Billy Joel and Bob Diamond with dancers from Vladimir Classical Ballet School

Dania Beach Mayor Patricia Flury (right) honors Lt. Colonel Leo R. Gray, Honoree Tuskegee Airman with the Key to the City of Dania Beach

Fort Lauderdale Art Institute, International Culinary School

Nov. 30 - Dec. 6, 2011

AVENTURANEWS.COM

‘Lots to be Thankful For’

Bari Auerbach LIFE IN THE CITY During Thanksgiving, everyone thinks about eating turkey and watching football but what about reflecting upon the plethora of things city residents are thankful for? Here are just some of the assets enticing people from all over the world to make a “pilgrimage” to Aventura: Thanks for Low Taxes: Aventura’s property tax rate is still the lowest in MiamiDade County – So what will you do with the money you save? Maybe give it right back to the Aventura Mall or whatever restaurant caters Thanksgiving so you don’t have to cook! Thanks for the Great School: Parents and kids are still celebrating the A grades earned by the Aventura City of Excellence School….Rumor has it, a “customized” curriculum may soon be introduced featuring classes like “Tanning 101”; “Condo

Board Meeting Etiquette”; and a class that should be mandatory for such a diverse community: “International Relations.” Thanks for Traffic Safety: The city is always stepping up efforts to keep streets safe – but ever wonder if it would just be easier to make it mandatory for every citizen to ride the city’s shuttle bus. This could result in a lot less traffic and instead of paying for expensive gas, you could buy an even bigger turkey – or better yet – have your feast gourmet catered! Thanks for All the Fun:: Concerts, movie nights, trips, sports programs and special holiday events are always being planned by the city’s Community Services Department that has inadvertently tapped into the secret to world peace: Events like Founders Day promoting unity with an unbeatable weapon: Free food! Thanks for ‘16 Years of Excellence’: Overall, residents agree they enjoy life in Aventura - renowned as “The City of Excellence.” So when you’re stuffed from all the turkey and it’s the fourth quarter, just look outside your window and join in reciting this apropos mantra: Every day is Thanksgiving Day in Aventura!

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YOU HAVE DEFENSES But only if you assert them

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TITLE & MEDIATION SERVICES A full services law firm Foreclosure Defense Litigation Mortgage Modification Representation Short Sale Assistance Buyer & Seller Representation Independent Closing Agent. FREE CONSULTATION Presentation to your organization, group or association You have rights, but you MUST claim your rights or you will lose your rights. Contact our office for further details

305-256-3002 The law office of Dennis R. Haber P.A. has been providing legal services to our community for over 25 years, however this information is of a general nature and is not intended to answer any individual’s legal questions. Do not rely on information presented herein to address your individual legal concerns. If you have a legal questions, you should consult an attorney experienced in that area of the law. Moreover, the hiring of an attorney is an important decision that should not be based solely upon advertisements. Before you hire an attorney, you should request information about attorney’s qualifications and experiences.

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AVENTURANEWS.COM

Nov. 30 - Dec. 6, 2011

Eating and Drinking at Miami Beach International Bridal Week Shari Lynn Rothstein-Kramer

EAT THIS... DRINK THAT It takes a lot to get the residents of Aventura to leave the cocoon that is our city and to go to “other” places. In my opinion, there are three things that will make that happen: a amazing event, the “see and be seen” effect, and great food. On November 26 & 27, those three elements are about to come together at the first-ever M i a m i B e a c h I n t e r n a t i o n a l Bridal Week . Being held at the Eden Roc Renaissance, this event is a bridal showcase, but, oh, it offers so much more. Let’s begin with the passed hors d’oeuvres that will flow throughout the two-day extravaganza. The Eden Roc’s kitchen offers kosher-style cuisine as well as a wonderful array of seafood, meat, veggie, and appetizers. The last time I spent time at the Eden Roc, we were spoiled. Naturally, it was because MBIBW’s power team Beth Sobol and Aaron Perry were in the house. Stone crab season had just hit, and the chef was all about fresh seafood. We started with cracked stone crab claws served with a lovely mustard sauce, Ahi grade Tuna sat atop a wonton crisp, shrimp, mushroom “tartlet”, and other savory treats rounded out the satisfying selection. So now that we know the capabilities, here’s what brides- and grooms-to-be can expect to sample at MBIBW on Saturday: Hazelnut Profiteroles with Blue Cheese and Grapes; Braised Short Ribs on Manchego Cheese Polenta and roasted Onion Jam; Tomato Mozzarella Piadina;

Shrimp Tostones with Avocado and Cilantro; and Chicken Tikka Skewers. Sweet desserts and treats will include Pumpkin Cheesecake with Brown Butter Pears; Tropical Fruit Sundaes,; Chocolate Pots de Crème with Maple Caramel and Salt, Mini Guava and Red Velvet Cup Cakes. The following day will a whole different menu. Known for its exquisite Kosher offerings, the tastings will include Lamb Kabob with Pickled Cabbage; Falafel Balls with Tahini; Chicken Kabobs with Majadra Rice; Desserts include Chocolate Marble Cake, Fruit Tart, and Cinnamon Rugelach. Moet Chandon Champagne Cocktails and Hennessy Products will flow courtesy of Moet Hennessy, and there will be a seminar - Wedding Champagne Trend “Beyond the Cake”, that will talk about the pairing champagne and cake. Yum. Additionally, The Baking Girls are coming in to showcase their goods as well. Cakes by Vanessa and Happy Cakes by Chanda are sure to get your sweet tooth going as these fun, adorable, and really well-done cakes will win you over. Each one a custom-created labor of love. Naturally, Bridal Week itself will have plenty more to offer, between the high-end exhibitors (shopping?), entertainment (from Marcia Mitchell Band) and more. If you are getting married, looking for something to do, or want to eat through the day – for $30, Miami Beach International Bridal Week will have it all! Shari Lynn Rothstein has been writing about food, wine, lifestyles and fashion for more than 20 years, in New York and Florida. She resides in Aventura. Shari can be reached at shari@slkcreative.com for comments, questions thoughts.

Nov. 30 - Dec. 6, 2011

AVENTURANEWS.COM

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Nov. 30 - Dec. 6, 2011

AVENTURANEWS.COM

Nine organizations unite to honor veterans with ‘Military Room Makeover’

Vladimir Classical Ballet School

Arnold Schulman; Sunny Isles Beach Vice Mayor Lew Thaler; Jason Recio, Purple Heart Recipient; Sunny Isles Beach Mayor Norman Edelcup; Sunny Isles Beach Police Chief Fred Maas

William Slavin; Sgt. Frederick R. Jacksons Camp 7; Nicole Henry, International award winning singer; Lt. Colonel Leo R. Gray, Tuskegee Airman

Aventura Commissioners Bob Diamond and Billy Joel; Martin Escoto, Purple Heart Recipient; Dalia Berlin, Berlin Designs; Gary Pyott, The Continental Group

Tony Jimenez & Tim Pelott, Greater Dania Beach Chamber; Dania Beach Vice Mayor Bobbie Grace L E F T: North Miami Beach Mayor George Vallejo; Annette Capizzi; North Miami Beach Councilwoman Barbara Kramer; Baron Capizzi, Veteran; Nancy Lou Capizzi; Michelle Regev, North Miami Beach Chamber; North Miami Beach Councilwoman Phyllis Smith; Oscar Llorente, North Miami Beach Chamber / Mount Sinai Medical Center

The Creative Workshop High end Cars

Patricia Genetti, Hallandale Beach Chamber; Mike Long, Hallandale Beach Chamber / Crowne Plaza Hollywood Beach; Destry D. Pethtel, Destry Darr Designs / Hallandale Military Room Makeover Designer; Rodney Pethtel, Destry Darr Designs; Joe Kessel, Hallandale Beach Chamber; William Berardi, Veteran Honoree Hallandale Beach Chamber; Oscar Llorente, Hallandale Beach Chamber / Mount Sinai Medical Center; Carole Pumpian, C Pumpian PR / Hallandale Beach Chamber; (back) Susan Mandel, Hallandale Beach Chamber

Kendall Marcelle, Kendall Marcelle Design Associates / Military Room Makeover Designer; Erin Parker; Brandon Paquette, Honoree Veteran Greater Dania Beach Chamber; Dania Beach Mayor Patricia Flury; Lt. Colonel Leo R. Gray

R I G H T: Joe Fava, Fava Design Group / Military Room Makeover Designer; Megan Drago; Natalie Drago; Chief Arthur Drago, Veteran; Gloria Drago; AJ Drago; Chuck Black, Signs By Tomorrow / Greater Ft. Lauderdale Chamber

L E F T: Panthers Mascot, Stanley C. Panther; Vicky Payne, Greater Dania Beach Chamber; Bill Harris Staged Right Events; Marlins Mascot, Billy the Marlin

Ron McKeon; Hollywood Comm. Heidi O’Sheehan; Courtney McKeon; Fiona McKeon; Lila McKeon; Joey McKeon, Veteran; Marla Jaffe Nassau, Jaffe Design Associates / Military Room Makeover Designer; Mike Long, Hollywood Chamber / Crowne Plaza Hollywood Beach. Not pictured: Anne Hotte, Greater Hollywood Chamber of Commerce

B E L O W : Mike Peterson, Luxe Interiors & Design Magazine Publisher / Military Room Makeover Co-Sponsor; Joe Kessel, Hallandale Beach Chamber; William Berardi, Veteran; Destry D. Pethtel, Destry Darr Designs / Hallandale Military Room Makeover Designer; Rodney Pethtel, Destry Darr Designs; Laura Pucker, AE Luxe Interiors & Design Magazine

David Patlak, Veteran; Maria Spring, b+g design; Giselle Loor, b+g design / Military Room Makeover Designer; Miami Beach Comm. Jerry Libbin, Miami Beach Chamber President; Ligia Vera, b+g design; Brigitta Reytblatt, b+g design

PHOTOS BY ANDREW GOLDSTEIN

Nov. 30 - Dec. 6, 2011

AVENTURANEWS.COM

Nine organizations unite to honor veterans with ‘Military Room Makeover’

Erin Parker; Brandon Paquette, Veteran; Dania Beach Mayor Patricia Flury; Craig Urbine, Dania Beach Design District A B O V E : Rainbow Circus: Jono Ayers, Ryan Jacobs, Nick Steward and Patrick Cote’

R I G H T: Laura Shane and Randi Shane, Starlight Children’s Foundation

Ben Launerts (2nd and 3rd from left) and Daryl Moore with Parksman Parking team members

Emcee Natalia Zea, CBS 4 News-Miami

Blanche Ely Junior ROTC Color Guard

R I G H T: Pat Chukerman, Promoae. Promotional Product Experts; Carol Durbin, Consultant; Susan Berkman, Research-Ability; Leslie Loewenthal, Loewenthal PR / Tribute to Veterans Military Room Makeover Outreach; Cristina Gomez, PROMARTEL

PHOTOS BY ANDREW GOLDSTEIN

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Nov. 30 - Dec. 6, 2011

Aging is ever present BY FAITH BANDKLAYDER Aging is ever present. It’s our life’s breath…a part of our everyday life. We don’t see it, hear it, touch it, or feel it happening. But one day, we face ourselves in the mirror and we feel its effects like the wind from a tornado, whipping around and engulfing us with its presence…it’s sudden and it descends upon us as though we never expected that it would come. We start the conversation with ourselves this way… Everyday, I shop for food and cook; I clean the house, pay the bills, call the plumber and the electrician when things go wrong; I go to the doctor, and run to the pharmacy to fill the prescriptions, then I close my eyes and imagine….what would life be like for me if I didn’t have to care about these things everyday. What if I could trade this in for a life that cared for me in my old age…a life of independence and freedom; yet my days would be filled with laughter and intellectually stimulating conversation and

entertainment with others my own age? People I could join for my meals, which are prepared by a professional chef, exercise that is taught by qualified fitness specialists; housekeepers that cared enough to make sure my apartment was immaculately clean and I could climb into a beautifully made bed? A twentyfour hour concierge who made me feel safe and secure, who would fax my prescriptions to the pharmacy, arrange transportation and whom I could talk to if I couldn’t sleep and went downstairs to have a chat. Growing old makes me feel lonely sometimes. I want to be someplace where I can choose either to be alone or to surround myself with people. It’s a new lifestyle; different than the old one, but I feel free now that I’ve made the decision to move on to an independent living community. A new beginning, a new place to call home. Faith Bandklayder is the Director of Marketing at Imperial Club, an independent and assisted living community at 2751 N.E. 183rd St., Aventura, Florida 33160. She can be contacted for tours of the property at 305-935-1801, extension 60.

Never Pay Another Expensive Repair Again

Ly Espinol

Nov. 30 - Dec. 6, 2011

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AVENTURANEWS.COM

Nov. 30 - Dec. 6, 2011

AVENTURANEWS.COM

Bnai Zion Allies for Ahava score home run for the children Allies for Ahava, a group of young professionals committed to raising money for abused children, recently held an event at Morton’s Steakhouse where “Dinner for a Cause” drew a terrific crowd. Attendees enjoyed a fabulous meal, while learning about the children at Ahava. “It was a night full of friends, family and supporters, who gathered for a wonderful event, accompanied by incredible food for a great cause," said Lee Feldman, Allies for Ahava Board Member. Allies for Ahava has several events throughout the year, creating a perfect combination of social opportunities, coupled by the joy of helping others. Visit Allies for Ahava on facebook for their next event or contact Eileen Glastein at (305) 949-0076 or eileen.glastein@bnaizion.org

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Aventura Hospital recognizes Dr. Luis J. Mesa as Physician of the Quarter Aventura Hospital is pleased to honor plete his internship and residency in Luis J. Mesa, M.D., Critical Care Medicine, Internal Medicine, as well as a fellowship as Physician of the Quarter. The award is a in Pulmonary Disease/Critical Care hospital-wide initiative designed to give Medicine, at the University of Missouri in employees an opportunity to thank those Kansas City, MO. physicians who demonstrate “Dr. Luis Mesa is a perexcellence in clinical care fect choice as our Physician and who display genuine acts of the Quarter, and Aventura of kindness and good will. Hospital is very fortunate to “Dr. Luis Mesa is one of the have him as part of our most responsible and caring Medical Staff,” said physicians we have ever had at Heather. J. Rohan, CEO of Aventura Hospital,” remarked Aventura Hospital and a nurse from the Intensive Medical Center. “As the Care Unit of Aventura hospital continues to grow Hospital, “He exhibits profesand focus on patient satissionalism and compassion to faction and excellence in patients and staff. He works clinical outcomes, our above the standard of care.” physicians play a vital role Dr. Luis J. Mesa is Board in what we do every day. It Luis J. Mesa, M.D., Certified in Critical Care, is a pleasure to work with ––––––––––––––––––– Pulmonary Diseases, Sleep such a talented and compasMedicine and Internal Medicine. He has sionate physician as Dr. Luis Mesa.” been an active member of the Medical For information about Dr. Luis J. Mesa Staff of Aventura Hospital since 2004. Dr. Mesa attended medical school at and for other physician referrals at Instituto de Ciencias de la Salud in Aventura Hospital, call 888-256-7692 or Medellin, Colombia and went on to com- visit AventuraHospital.com

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Head Restraints or Head Rests? It is not a head rest... The head restraint in a vehicle does not help you rest your head, as a matter of fact it helps you not to break your neck in case of a collision. It is always attached to the top of the car seat. They are only good and effective when properly positioned. Where should they be? It is the head restraint that will reduce neck injuries in case of a collision, and so it is important to have your head aligned with the headrest, but not the neck alone, as this would be extremely dangerous in case of collision. Most cars have manually-adjustable head restraints, but they all have to be 27.5 inches above the seat reference point by law. How do you adjust them? But how should these restraints be adjusted? According to the National Highway Traffic Safety Administration, to be effective, the top of the restraint should lie somewhere between the top of your ears and the top of your head. If the restraint articulates for horizontal adjustment, it should be placed so that it’s as close to your head as possible, without pushing your head forward or causing the height of the restraint to drop. The position of your seatback is also important - less is better when it comes to reclining. A more upright seatback means that the head restraint will likely be in a safer position - one that’s closer to your head. “Let our Family Help you and your Family.”

“Serving Our Community For More Than 20 Years”

ATTORNEYS AT LAW

305-662-6178 6950 N. Kendall Drive Miami, Florida 33156 Telefax: (305) 662-9472 • 1-800-PANTERLAW www.panterlaw.com

Nov. 30 - Dec. 6, 2011

• CARVALHO’S CORNER • We’ve cut the fat

BY SUPERINTENDENT ALBERTO CARVALHO

Faced with nearly two billion dollars in state funding shortfalls since 2007, we at Miami-Dade County Public Schools have carved huge savings from our budget, thus protecting the classroom and largely avoiding layoffs while boosting efficiency and, miraculously, student performance at the same time. Now, at the start of a new school year, we’ve been forced by another state funding shortfall to cut even deeper. Our 2011-12 budget takes us all the way to the bone, largely sparing flesh by further streamlining operations and dedicating these savings to the classroom while even lowering taxes and boosting reserves. Through fine fiscal surgery by staff and courageous leadership from the School Board, we have managed to hold the classroom harmless once again. These cuts come at a particularly inopportune time, with our students continuing to score impressive gains on state, national, and international assessments. Some have dubbed our success “the Miami-Dade miracle,” but our short-term miracle could disappear in the long term if state funding continues to vanish. Still, our schools are positioned for another strong academic year. The following are highlights of the budget, including a cost-savings reorganization approved by the Board in July. CLASSROOM INVESTMENTS The bulk of cuts comes from restructuring and further downsizing administration, including the consolidation of the regions from five to four and alternative education centers from six to two. All told, we have shrunk central administration by 58 percent since 2008. SMALLER, SMARTER OPERATIONS In approving our largest reorganization ever, the School Board has eliminated operational redundancies and institutionalized operational improvements to the tune of $13.7 million in annually recurring savings. With our new Enterprise Resource Planning

(ERP) system in place on time and under budget, and our food services department turning years of deficits into a projected $10.3 million annual profit, our operations are more efficient and more effective. FISCAL STABILITY Though forced to make huge budget cuts, we have managed to build our reserves from $4 million in 2008 to $83 million today. At a time when the U.S. government, Fannie Mae, and Freddie Mac have been hit with Wall Street downgrades, Miami-Dade County Public Schools’ bond rating is up, reflecting investors’ confidence in our school district. NO TEACHER LAYOFFS With school districts across the state and country laying off employees, including teachers, we at Miami-Dade County Public Schools have kept layoffs to a minimum, with most coming from our shrinking capital construction program. In keeping with our pledge to hold our classrooms and students harmless, no full-time teacher has been laid off for economic reasons. LOWER TAXES To ease the burden on county residents, we have accomplished all of this without raising taxes. In fact, the School Board has cut the tax rate from $8.2 to $8 for every $1,000 of assessed property value, for an average $50 savings on the school tax bill for the typical homeowner. SAVING OURSELVES Miami-Dade County Public Schools has clearly done its part in shielding our students from the pain of Tallahassee’s slashing. Now it’s your turn. The hurt won’t stop until you—our business community and taxpayers—demand that Tallahassee put a stop to it. Learn more about the impact of school funding cuts, and tell others what you know. Then call your legislators and hold them accountable—and do it now. We can’t afford to wait until the next legislative session. Our students are banking on you.

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Your diet is simply what you eat “YOUR AD HERE — BIG Michelle Ishakov YELLOW SCHOOL BUS” NUTRITION & YOU

People associate the word diet with weight loss. However, your diet is simply what you eat! The two aspects to your diet are the foods you eat and how much of them you eat. To lose or maintain (a healthy) weight, pay attention to the quantity of food you eat, food combinations, and have a fitness program or routine. Proper nutrition means getting all the essential nutrients from your diet that are required for your body to function properly. This is crucial as there are important molecules your body uses and needs in the right amounts to survive. These essential nutrients must be obtained through your diet as our body does not create them on its own. Keep in mind eating the right amount of food but not combining different food groups will cause a lack in essential nutrients that may cause serious health problems. In general, a healthy diet includes lots of nutrient-rich foods such as vegetables, lean proteins, sprouts, legumes (beans, lentils, chickpeas, etc.), and whole grains. A healthy diet also avoids foods that are low in overall nutrients such as candy, soda, and fast food and limits the intake of saturated fats, trans fats, cholesterol, sodium, and foods with a high glycemic index. The glycemic index describes the effect that a high-carbohydrate food has on your

blood sugar. Choose foods with a lower glycemic index as they cause smaller increases in blood sugar which is better for overall health. Here are some tips to follow: • Do not eat red meat more than 2-3 times per week. Fish and poultry are preferred over other meats. • Avoid fried foods which have a high fat content and lose all their nutrients when fried. Bake or broil food instead. • Limit your intake of salt and monosodium glutamate (MSG). • Everything nowadays contains sodium. • Try adding potassium to your diet to balance out sodium levels in your body. • Eat plenty of fiber. • Do not eat more than 4 whole eggs per week. Eggs are very high in cholesterol. • Add more egg whites if needed. • Limit desserts and other high-calorie foods that have little nutritional value and very high fat and sugar content. • Avoid alcohol or drink in moderation. I recommend red wine as it has antioxidants. • Eat from all the food groups. Eating too much of anything means you are missing out on the nutrients found in other foods. The secret to carrying a healthy, balanced diet is not looking for new “diets” out there to lose weight “fast” and then going back to eating what you used to once you lose the weight. The trick is to find a way of life that suits you most. This way you will not have these sudden weight gain/fluctuations. It is important to change your mind set about what a diet really means!

BY KAREN ARONOWITZ, President, United Teachers of Dade

Imagine the yellow school bus so covered with ads that we smack right into the back of one, our attention diverted by 3D, strobe-lit, hologram movie ads, flashing, pulsing lights for caffeine-laden power drinks, logoencrusted sportswear, and other trinkets and trash we sell to move our economy. It’s the American way! All supposedly G-rated, although what passes for G in our overly sexualized consumerism makes the letter blush like a scarlet A. Still, our schools are so cashstrapped from the decrease in funding to public education that school boards are putting out the for-sale sign themselves. No space need be uncovered. Will students pay any attention to the work teachers place on white boards, smart boards, or, in a few impoverished public schools, chalk boards, when bells and whistles from advertisers compete for their attention? It is not philanthropy that drives companies into our schools. It’s

the thrill of a captive audience, an audience that will have no Parental Control button to screen what’s seen in a school, an audience that is just learning to think about the the credibility of a source, an audience that, by age and maturity, will believe what is placed before them. One does not challenge authority until enough learning has taken place. We will abandon four-year olds and fourteen-year-olds to the hands of advertisers. I suppose the next step is to make each teacher responsible for selling enough advertising to “endow” their position. A sort of commission sales requirement to add to the idea of “pay-for-performance.” It’s not surprising that the hallowed halls of our schools will be turned into the inside of a casino, where the lights are low, there are no windows or clocks so that no one knows whether it’s night or day, and flashing, strobing lights, bells and whistles convince even the losers they’ve won. Lock up your children, folks. Throw them an iPad, a Twinkie, and a bottle of water and call it home schooling. You might not be there, but it could be a safer space than school. The United Teachers of Dade represents 35,000 teachers and school support personnel in MDCPS. The union is committed to being a leader in creating public school reform, fostering a quality public education for all students and elevating the professional status of teachers, paraprofessionals, office employees, and all school support personnel.

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2011 Nissan Quest is a step forward for minivans Ron Beasley LET’S TALK CARS I’m not a big fan of minivans; they’re just not something I enjoy driving. That said, let me say a few nice words about the all-new fourth generation 2011 Nissan Quest. I don’t drive a lot of minivans — probably because the suppliers know of my distaste for them — so, when I say that my week in the Quest was an enjoyable experience, the thought occurs that perhaps the minivan has been improved by all manufacturers and maybe I should drive more of them. But then I just shake my head and say, “Nah! Not gonna do it.” However, Nissan is billing the new Quest as “an entirely new take on the minivan — with bold styling, an extensive list of family friendly innovations and amenities a family can enjoy together.” I have to admit that much of what they say holds water. I especially liked the onetouch power sliding doors, the quick release fold-flat seats, the Advanced

Climate Control System and the rear storage well. I also like the more-than-adequate 260 hp 3.5-liter DOHC V-6 (19/24 mpg) that develops 240 pounds-feet of torque. Quest is available in four models: Quest S — Has 16-inch steel wheels with full wheel covers; rear roof spoiler; six-way adjustable driver’s seat; front door map pockets, wood-tone trim (instrument panel, front doors and sliding door window switch); fold-flat second and third row seats; permanent rear storage well; first and second row center consoles; Nissan Intelligent Key with Push Button Ignition, and AM/FM/6CD audio system with four speakers. Quest SV — One-touch power sliding side doors; 16-inch aluminum-alloy wheels; Tri-Zone Auto Temperature Control; power driver’s seat lumbar adjustment; six speakers; fog lights; Conversation Mirror; 4.3inch color audio display; USB port with iPod connectivity; Bluetooth Hands-free Phone System with steering wheel controls; RearView Monitor, and leather-wrapped steering wheel. Quest SL — Leather-appointed seating and door trim; 18-inch aluminum-alloy wheels; power liftgate; eight-way poweradjustable driver’s seat; Quick Comfort heated front seats; HomeLink Universal

The new Quest is offered with power sliding side doors with one-touch open/unlock feature and power-opening windows.

Transceiver; auto-dimming inside mirror with compass; roof rails; auto on/off headlights; leather-wrapped shift knob; Quick Release fold flat third row, and heated outside mirrors with integrated turn signals. Quest LE — Nissan Navigation System; Bose Audio System with 13 speakers; XM Satellite Radio; memory system for driver’s seat and outside mirrors; auto tilt-inreverse outside mirrors; second and third row manual blinds; four-way poweradjustable front passenger’s seat; eightinch VGA color display (dash mounted); DVD Entertainment System; rear 11-inch

display for DVD Entertainment; Advanced Climate Control System (ACCS) with auto recirculation; Blind Spot Warning (BSW) system, and High Intensity Discharge (HID) xenon headlights. Base price on our 2011 Nissan Quest LE was $41,360, although Quest S prices start at $27,750.

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>.

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AT T E N T I O N M E D I C A R E B E N E F I C I A R I E S : ANNUAL ENROLLMENT PERIOD ENDS DECEMBER 7 TH , 2011

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It’s ‘sound advice’ to consider Wells Fargo Advisors BY BARI AUERBACH

ments along the way.”

“The only thing to do with good advice is pass it on.” — Oscar Wilde

“Great things in business are never done by one person, they’re done by a team of people” Steve Jobs “Our goal is to enhance the relationship our clients have with our advisors, who have unprecedented choice and flexibility - and our top priority is creating a level of comfort that turns to confidence; and leads to that all important place known as ‘trust,’” Shear emphasizes. “We’re ‘fully invested’ in helping our clients achieve success,” Schwartz adds. “At Wells Fargo Advisors, we want to help simplify and solidify your life with financial advice that helps develop intelligent solutions that make sense for unique situations.”

Now, close to home in Aventura, people of all ages can benefit from advice and guidance provided by Wells Fargo Advisors’team of over 40 financial advisors renowned for experience, integrity and highly- personalized service.

“If we could sell our experiences, we’d all be millionaires” Abigail Van Buren “Wells Fargo Advisors is a subsidiary of Wells Fargo & Company, one of the nation’s largest, strongest and most respected financial institutions,” said Robert Schwartz, Managing Director, Branch Manager of the Wells Fargo Advisors Aventura branch. “Proud of our association with Wells Fargo, one of the ‘World’s Most Admired Companies’ for the last three years, according to Fortune magazine, we’ve been serving this area for over 25 years, providing investment services such as portfolio management, advisory and business services, estate investment planning, retirement planning and investment products.” “Counsel woven into the fabric of real life

is wisdom” philosopher Walter Benjamin “Your best life starts with a vision for what you want to accomplish and what you’re able to strive to achieve with the resources you have,” said Michael Shear, a Managing Director-Investments in the Wells Fargo Advisors’ Aventura branch. “We’re with you every step of the way - through every life event and every stage of the

investment planning process.” “Wells Fargo Advisors utilizes the ‘Envision Process’® to help investors prioritize goals; and then create an effective, easily- followed roadmap with personalized milestones,” Schwartz explains. “Realizing life is a process and plans must evolve with change, our advisors track progress towards meeting personal goals and help with adjust-

For information about the Wells Fargo Advisors Aventura branch, 19950 West Country Club Drive, phone 305-935-3800. Envision® is a registered service mark of Wells Fargo & Company and used under license. Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company.

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Aventura welcomes South Florida Symphony and ‘superstar cellist’ BY BARI AUERBACH The South Florida Symphony Orchestra, heralded as a “hip, world-class orchestra performing in your own back yard” will present their Master Concert I Series, featuring leading young American cellist Matt Allen at the Aventura Arts & Cultural Center, Tuesday, Dec. 6 at 8 p.m. Led by award-winning Maestra Sebrina Maria Alfonso, the Orchestra will perform awe-inspiring compositions: Haydn’s Cello Concerto no. 1 in C major featuring Matt Allen – recently named first prize winner of the National Federation of Music Clubs Young Artist Award Competition. The program will also feature Vaughan Williams: Fantasia on a Theme by Thomas Tallis; and Mendelssohn: Symphony No. 4 “Italian.” During the Dec. 6 performance, the Aventura audience will discover why Matt Allen is receiving rave reviews such as: “Mr. Allen played the socks off a complicated, demanding work with a surprise lurking around every corner...he introduced us to his big, rich tone....he is a splendid cellist” A native Floridian, Allen won his first competition at the age of 8. He went on to study at Florida State University with legendary cellist Janos Starker - and experienced the ultimate triumph of winning a Gold Medal at the Gaspar Cassado International Violoncello competition in Japan. Since embarking on a solo career in his teens, Allen has graced the stages of the world’s most prominent venues including the Kennedy Center and Tokyo’s Suntory Hall. Critically acclaimed Maestra Sebrina María Alfonso’s intense desire to bring orchestra music to the community led her to present a

plan outlining the educational, cultural value and economic impact of an orchestra to civic leaders in her hometown of Key West. The 1998-1999 inaugural concert season began with the realization of her successful efforts to create a first-class orchestra which has now expanded to delight audiences throughout the entire South Florida region. Today, the South Florida Symphony Orchestra carries on Alfonso’s commitment to sharing arts and music education; and is also instrumental in mentoring area children through various training programs, master classes and free community concerts. For tickets to the Dec. 6 Master Concert Series at the Aventura Arts & Cultural Center, phone: 877-311-7469 or visit aventuracenter.org. To learn more about the South Florida Symphony Orchestra’s sensational season of Master Concerts and exceptional subscription benefits, call 800-775-4086 or visit southfloridasymphony.org

Northeast Miami-Dade Service Center now open to assist residents North Dade residents won’t have to travel downtown for assistance with basic County services with the new Service Center at the North Dade Justice Center, 15555 Biscayne Boulevard. On October 1st, its first day open, the new office serviced over 100 people. Open Monday - Friday, 9 a.m. to 4 p.m. (closed noon - 1 p.m.) SOME OF THE SERVICES AVAILABLE ARE: • Golden Passport new applications and renewals • Homestead exemptions • Auto tags renewals • Property Tax and Local Business Tax payments

• Sale of dog tags • Baby stroller permits • Contractor licensing “It’s not always easy for residents living at the north end of the county to travel downtown or even further south for service,” said Commissioner Sally A. Heyman. “Miami-Dade is in the business of customer service and it makes a difference when residents and businesses feel like we are accessible to them.” A Miami-Dade staff person will be available to assist residents, as well as an automated computer touch screen that will allow residents to pay their bills and access other services online. Residents can call 3-1-1 for additional information on services provided.

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American Friends of Magen David Adom honor Ira Mogitz cocktails, followed by dinner, dancing After 43 years of dedication, and lighting the menorah. service and deep commitment to the “At a time when Iran is advocating people of Israel, Ira Mogitz will be the destruction of Israel and could recognized by having his named soon possess a nuclear bomb, when inscribed on the doors of a fully Hamas refuses to acknowledge equipped lifesaving Magen David Israel’s right to exist and Hezbollah Adom ambulance by longtime supremains a deadly threat, Ilsa Rooz’s porter Ilsa Rooz. dedicating of a lifesaving ambulance Mogitz has worked as the to the people of Israel in my honor is Development Director for the Ira Mogitz the greatest mitzvah a Jew can perSoutheast Region of American –––––––––––– form,” said Ira Mogitz. Friends of Magen David Adom “People will be walking the streets of (AFMDA) for 23 years. He previously worked for the Greater Miami Jewish Federation, as Israel alive and alleviated from pain and suffering because of Ilsa’s gift of life. I want well as United Jewish Appeal in New York. “In all my years in Jewish communal service, to thank Ilsa for this blessing.” All proceeds from the Diamond Circle this is a first, having a lay person honor a campaign professional for their service in such a Chanuka party will benefit American Friends of meaningful way,” said Rabbi Larry Schuval, Magen David Adom (AFMDA), which supports President of the AFMDA Southeast Region the life saving efforts of Magen David Adom (MDA), providing Israel’s emergency medical Board of Directors. The ambulance will be on display and dedicat- needs including disaster, ambulance and blood ed during the annual Diamond Circle Chanuka services. Party at Aventura Turnberry Jewish Center on For more information, reservations or a Sunday, Dec. 18, before being shipped to save lives in Israel. The party will begin at 6 p.m. with donation, call 954-457-9766.

So. Florida team wins major hockey event BY BARI AUERBACH They could have been sleeping – but they woke up before dawn to train at ice arenas far from home. They could have been watching TV or playing video games – but they devoted endless hours to improving their speed, agility and endurance. Inspiring 12 and 13-year-olds playing on the Florida Alliance 98 ice hockey team could have settled for second best – but thanks to discipline, dedication and perseverance, they became the first Florida team to ever win the 2011 Bauer International Invitational held Nov. 4-6 in Chicago. Still celebrating the thrill of victory after defeating Ontario’s North York Knights 4-0 in the Bauer finals, Alliance teammates proved kids from the Sunshine State can excel on the ice and really bring this famous Wayne Gretzky quote to life: “You miss 100% of the shots you never take.” The tournament win was heralded “an amazing accomplishment” as the Alliance team played seven games in less than 55 hours, scoring 38 goals and only giving up 7. “These young athletes are setting a great example for their peers by showing if you’re committed to achieving a goal, you can succeed,” said Gustavo Blachman, proud father of Nicholas Blachman, who plays on the Florida Alliance 98 team with 15 other boys all considered to be among Florida’s best young hockey players. From their home in Aventura, the Blachman family travels all over the country to cheer on their son, along with parents sharing the belief that participation in youth sports yields many positive developmental benefits. Just ask the team’s revered coaches Tad O’Had

Florida Alliance 98 team celebrates victory at 2011 Bauer International Invitational in Chicago representing Bantam Minor Division of Florida Alliance AAA Hockey Organization ––––––––––––––––––––––––––––––––––– and Jake Laime of the Florida Alliance AAA Hockey Organization and they’ll agree participation in youth sports enhances social skills, confidence and self-respect. The organization is also dedicated to teaching the values of team play and sportsmanship, while promoting fit and healthy lifestyles for success in the game of life. So what does the future hold for the strong Florida Alliance team? They’re looking forward to scoring more victories against other highlevel U.S. and international teams by carrying on Wayne Gretzky’s winning philosophy: “A good hockey player plays where the puck is. A great hockey player plays where the puck is going to be.”

To watch the games on YouTube, search floridaalliance98. For more information about the Florida Alliance AAA Hockey Organization or sponsorship opportunities, visit floridaallianceaaa.com

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Holiday fitness ‘survival guide’ COMPILED BY BARI AUERBACH It’s never too late to “put down the pie” and start picking up on fitness tips that can help you get a jump on keeping New Year’s resolutions… Use moderation when cheating: Allow yourself to indulge a little here and there, but limit your portions. Set a goal to do something active every day: Try to get out and move for at least 30 minutes. When short on time, emphasize resistance training: Muscle aids in burning fat, and will help to fight off the extras that you normally don’t eat. If you are going to cut the workout short for the day, hit the weights first, even at the expense of cardio. If this is the case, you can use supersets and giant sets to make your weight training workouts more aerobic in nature. Eat a balance of macronutrients: Cutting out food groups can make you feel hungrier. Fill up on protein and vegetables as protein increases your metabolism by up to 20 percent and veggies take more calories to digest than what they contain. Limit alcohol consumption: You’re better off eating an extra cookie than consuming numerous cocktails. Excess alcohol contributes too much to fat gain. Drink plenty of water: Many times overeating is caused by dehydration. Water can provide a sense of fullness - so if properly hydrated, you’ll tend to con-

sume less food. Eat regularly scheduled meals: If you skip meals in preparation for a family gathering featuring a lavish holiday buffet, you may be setting yourself up for diet disaster. Instead, make sure you eat all your meals and that the carbohydrates in all of these meals have a low glycemic index – especially breakfast. Research shows people who eat a breakfast with a low glycemic carbs (like oatmeal) will typically eat significantly less food and have more stable energy levels than those who don’t. Don’t keep “danger” foods around: We all have some foods that will trigger a binge, so try to keep them out of reach. Plan a time to wear a favorite tight outfit: Whether it’s a cute holiday dress or muscle baring shirt, once you start looking forward to wearing your favorite form-fitting outfit for a holiday event, you may be less likely to overeat.

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Treading water isn't fun. How to get to dry land.

RayPrinciotta ON REAL ESTATE Underwater real estate - We all know someone...a friend, a co-worker, a relative... maybe it's you. Like millions of Floridians, you bought your home during the boom, and mortgaged 80-90% of the purchase price, which at the time seemed reasonable. Then came the crash and your property has lost 40-50 % of its value. Now you have a mortgage that is more than the property is worth, and your monthly carrying costs are draining your savings. You are starting to fall behind on your mortgage and are ducking calls from your lender. If this is you or a friend, here are some suggestions on how to resolve your situation... First, make the decision to take action to end the pain. If youâ&#x20AC;&#x2122;re embarrassed it is understandable, but more than 1 in 3 people are underwater on their mortgage. Second, to determine your situation, fill out a financial analysis (download at www.rayonrealestate.com)

Third, check out the various Lender and Federal programs that are available for distressed homeowners. Your choices include: â&#x20AC;˘ Loan Modification: This is can be a good option, if you are eligible. Lenders may lower your interest rate and reduce your payments; or reduce the principle amount; and in some cases, possibly forgive accumulated past due payments, interest and penalties. â&#x20AC;˘ Short Sale: Based on your specific situation, your lender would agree to allow the sale of your property for the current market price, based on their appraisal. A Short Sale is generally the least damaging to your credit. â&#x20AC;˘ Deed-in-Lieu (DIL): With a Deed in Lieu of foreclosure, you, the borrower, will convey all interest in your property to the lender to satisfy the loan in return for a waiver of deficiency. Another benefit is that a DIL hurts your credit less than a foreclosure does. â&#x20AC;˘ Foreclosure: Foreclosure is a legal

process whereby the mortgage lender or other secured creditor repossesses a property after the owner has failed to comply with the terms of the mortgage. When the process is complete, the lender can sell the property and keep the proceeds to pay off its mortgage and any legal costs, and can file a claim for a deficiency judgment against the borrower. Fourth, to fully explore these options youâ&#x20AC;&#x2122;ll need to work with an experienced RealtorÂŽ or real estate attorney. With all of the Federal and Lender programs available to you there is no reason to passively allow your property to be repossessed. Foreclosure is the worst possible option, and for many, a Short Sale is a good solution, but you need to take action. Remember, there is no free lunch! You can stay in the property, but every

month you miss a payment, your deficiency increases; and your credit suffers greatly. Also, by continuing to live in this bad situation, you are preventing yourself from â&#x20AC;&#x153;Resetting your Lifeâ&#x20AC;?.

For more detail, visit www.rayonrealestate.com. Ray Princiotta is a licensed Florida real estate broker. Contact him at 305.494.4101 or ray@rayonrealestate.com.

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