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May 2011

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May 2011

publisher’s page Spring Is in the Air and Summer Is Not Far Away

t’s hard to believe, but the tropical South Florida heat is with us again. The sun is burning down and the air conditioners are humming at full blast. While we are trying to decide between pool or beach, our kids are already looking forward to their summer break, and we are hurriedly making last minute arrangements for summer camps and family vacations.

In the midst of all this, Spring is passing us by and Mother’s Day has “sneaked up” on us. Let’s take a little pause and honor our mothers (and our wives) for they are always working hard to care for us, look after us, and pamper us. Let’s pamper them for a change! Have a fantastic Mother’s Day celebration! Sincerely,

SvenSvenBudzisch Budzisch Publisher/Owner

Contents calendar. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 positive parenting From Generation to Generation . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 community news Davie Honors Veterans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Davie Residents Participate in 15th Annual Waterway Clean-Up . . . . . . . . 14 SI of Davie Presents “Live Your Dream” Luncheon . . . . . . . . . . . . . . . . 15 Davie Vice Mayor Inducted into Broward Women’s Hall of Fame . . . . . . . . 18 Will the Real Housewives of Forest Ridge Be Next? . . . . . . . . . . . . . . . . 22 Take-A-Kid Fishin’ Rodeo Offers Quality Family Time . . . . . . . . . . . . . . . 32 can do kid Cooper City Teen Wins Crown . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Davie Teen Wins Circuit Championship . . . . . . . . . . . . . . . . . . . . . . 16 fitness forum Five Reasons That Diets Fail . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 What is Gynecomastia? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 cover story Massage Envy Offers the Perfect Gift for Moms and Dads . . . . . . . . . . . . 24 Legally Speaking The Importance of Uninsured Motorist Coverage in Florida . . . . . . . . . . . 26 Look Years Younger – No Surgery! . . . . . . . . . . . . . . . . . . . . . . . . . 29 ask the expert What You Need To Know About Stroke . . . . . . . . . . . . . . . . . . . . . . . 30 school news History Books Came Alive at St. Bonaventure . . . . . . . . . . . . . . . . . . . 34 Legally Speaking Have You Been a Victim of Predatory Lending Practices? . . . . . . . . . . . . 36 How Much Does It Cost? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Real Estate New Homeowners Can File 2011 Homestead Exemptions until 9/11 . . . . . . . 40 Home Décor Custom Rugs – Your Way . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 photo contest. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .47 seen on scene. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50

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Publisher/Owner . . . . . . . . . . . . . . . . . . . . . . . SVEN BUDZISCH Editor . . . . . . . . . . . . . . . . . . . . . . . . . . . Nina Chieng-Budzisch Managing Editor . . . . . . . . . . . . . . . . . . . . . . . . . Debby Teich Account Representatives . . . . . . . . . . Garry Isabelle, Nancy Koval Joyce Bak, Gabriela Moscoso, Elaine Christ, Agnes Castillo Art Direction, Design & Production . . . . . Barry Stock, Dan Bastien

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editor@davietowntimes.com • graphics@davietowntimes.com Total circulation is 20,000. Quantum International Corporation, DBA Davie Town Times (DTT), is published and direct mailed monthly to prestigious homes in Davie and the Southwest Ranches verifiable by US Postal statements. Additional free copies are available at locations throughout Davie and the Southwest Ranches and upon request by contacting this newspaper. Opinions expressed by the writers are their own and do not necessarily reflect the opinions of the publisher. Quantum International Corporation, DBA DTT reserves the right to edit and/or reject any editorial or advertising content. DTT is not responsible for errors in advertising beyond the cost of the space or for the validity of claims made by advertisers. Entire contents copyrighted 2010 by DTT, Reproduction in whole or in part is forbidden in any media without prior written permission from the publisher.

May 2011

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May 2011

calendar Sunday

6th Pop-in Family Friday Fun Nights – Participants will enjoy poolside Bingo with fun prizes followed by family fun games in the pool. Small pool floats, masks, and pool toys are allowed. The cost is the regular entrance fee to the pool. The Cooper City event is at the Pool and Tennis Center. For information, call 954-436-7300.

7th Mother/Daughter Tea – The City of Cooper City is hosting a Mother/Daughter Tea at the Cooper City Community Center. Must be a resident. For information call 954-434-4300, ext. 233.

Monday

MAY 2011

Tuesday Wednesday Thursday

Friday

Saturday

20th Family “Ceramics Night Out” with Gail – Create a special Father’s Day ceramics piece with your child, then taking it home that night. Event is at the Cooper City Community Center from 6:30 to 8:30 p.m. Children must be in first grade and up and pre-register at the Community Center. Come at 6 p.m. and join the “Pizza Crowd.” For information, call 954-434-4300 ext. 233. Cost is $10 per family, plus $10 per child for project materials.

21st

6th Annual African Violet Show and Sale – The Violet Patch of South Florida presents the 6th Annual African Violet Show and Sale at Flamingo Gardens on May 7 and 8, with hundreds of African Violets on display and for sale, plus demonstrations, and kid’s crafts. Hours are 9:30 a.m. to 4:30 p.m. Flamingo Gardens is located at 3750 South Flamingo Rd. For information, visit www. flamingoGardens.org or call 954-473-2955. Town of Davie Auction – The Town of Davie will conduct an absolute public auction for the disposal of all confiscated, unclaimed or abandoned property coming into the possession of the Town, or any property owned by the Town which has become obsolete, or which has outlived its usefulness, or which has become inadequate for the public purposes for which it was intended. It will be held at the Bergeron Rodeo Grounds. Inspection of the items begins at 8 a.m. and the sale begins at 10 a.m. For information, call 954-797-1163 or send an email to bonnie_stafiej@davie-fl.gov.

14th “Live Your Dream” Luncheon – Soroptimist International of Davie presents the “Live Your Dream” Luncheon featuring leadership expert, trainer, author and retired Navy captain Karen Baetzel. As a wife and mother with extensive corporate leadership experience, she understands the realities of balancing work, life, family and self. On May 14, she will present her powerful message at the Signature Grand in Davie. For tickets, visit www.sidavie.org or call 954‐472‐6500. For club information, call 954-661-4740.

May 2011

23rd 4th annual Play with a Pro Charity Golf Tournament – The tournament will be held at Grande Oaks Golf Club in Davie. In addition to the tournament, there will be an Awards’ Luncheon, a special exhibition from Senior World Long-Drive Champion, George Slupski, a Silent and Live Art Auction, featuring works from world renowned artists, raffle prize, giveaways, and special contests on featured holes. For more information, visit www.rainbowguardian.org/golf/golf-tournament.html.

27th Farmers Market – Enjoy fresh fruits and vegetables, milk shakes, smoothies and family activities at the grand opening of Batten’s Farmers Market and Davie Agri-Tourism Center, 5151 SW 64th Ave., in Davie. For information, call 954‐434‐8220.

30th Memorial Day Parade, Service and Family Cook-Out – Davie’s Annual Memorial Day Parade starts at 10:00 a.m. Following the parade, there will be a memorial service at the Bergeron Rodeo Grounds, as well as a family cook-out with live music, food, drink and fun. For information, call 954-797-1163 or send an email to bonnie_stafiej@davie-fl.gov.

June 3rd Pop-in Family Friday Fun Nights – Participants will enjoy poolside Bingo with fun prizes followed by family fun games in the pool. Small pool floats, masks, and pool toys allowed. The cost is the regular entrance fee to the pool. Event is at the Pool and Tennis Center. For information, call 954-436-7300. Sports Expo – The Town of Davie Parks and Recreation Department invites the public to the Davie Sports Expo, from 10 a.m. to 1 p.m. at the Bamford Sports Complex located at Pine Island Park, 3800 South Pine Island Rd. Learn about the sports programs offered by the Town of Davie as well as those run by parents. Special sports guests from the area will attend. For information, call 954-797-327-3928 or send an email to mark_dornacker@ davie-fl.gov.

June 4th 29th Annual Take-A-Kid Fishin’ Rodeo – Test your fishing skills at Wolf Lake Park, 5400 SW 76th Ave. in Davie. Registration is at 7:30 a.m. on the morning of the event. Poles will be in the water from 9 to 11 a.m. For information, visit www.davie-fl.gov.

22nd “Tour de Cooper” Family Bike Ride – Join in on a non-competitive 3, 6 or 12 mile bike ride. Enjoy music and refreshments after the ride. No charge. Ride begins at the Cooper City Sports Complex at 7:30 a.m. Bring a canned food donation. All participants must wear a helmet. Registration forms are available at the Community and Pool and Tennis Centers.

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Positive Parenting From Generation to Generation By Jodi Kurry Cohen, MS.Ed, Director of Early Childhood Programs Temple Dor Dorim Early Childhood Center

his year I lost both my grandmothers, bringing me to the hard realization that all of my grandparents are gone. I realized there’s something that happens when you lose people who were so much a part of your childhood. Their passing opens up a floodgate of memories that brings you back to the time when you were tiny, growing up, and you see that person as they were, so many years ago. Recently, when writing my grandmother’s eulogy, I seemed to recall silly things like brushing my teeth over my grandma’s toilet (her solution to me not being able to reach the sink) and the little glass bowls of candy she had strategically placed in spots I had memorized around her house. I envisioned her in a green dress baking cookies and I remembered playing dress-up with her handbags and hats, painting my face with her bright lipsticks, and dousing myself in her assorted perfumes. I also recalled emotional moments like watching my grandmother dote on my grandfather, the way she hugged me when I was hurt or squeezed my hand in a difficult moment, and how she beamed with pride at my graduations. Most of all, I recalled her words of wisdom: “If you feel the urge to laugh at an inappropriate time, think sad thoughts” or “It will be what it will be,” and I realized the impact her words had made on me. Fostering the love between a child and their grandparent, can be one of the most rewarding relationships in a child’s life. If children are fortunate enough to have

grandparents, or even great grandparents, in their lives there is so much more to be nurtured in a relationship beyond the occasional meal or holiday. There are lessons to be learned, unique experiences to be had, and a familial tie to be developed that can be carried on from generation to generation. When grandparents live close by, weekly visits and special trips to such places as a museum or the zoo are great ways to bond. Finding a hobby to do together like a craft or magic are also great ways for generations to connect. It’s not as easy when grandparents live far away but that doesn’t mean this challenge can’t be overcome. It may mean vacations planned specifically to spend time with grandparents, books read on “laps” or hobbies that are shared via Skype, Face Time and phone calls that are frequent. Whether grandparents live close or far, it comes down to priority and the effort made to carve a niche of time each week to form those special ties. Being reminded of just how precious those relationships were for me as a child, I’ve vowed to make sure, while the opportunity is there, that my children continue to grow these special bonds. Jodi Cohen has a Masters degree in Elementary and Early Childhood Education as well as a Bachelor degree in Psychology. Jodi has led many workshops on parenting, behavior modification techniques, curriculum development, special needs training and crisis management. She has been the Director of Temple Dor Dorim’s Early Childhood Center in Weston for the past 12 years. For more information, please contact Ms. Cohen at the Early Childhood Center at (954) 389-1232.

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community news Davie Honors Veterans By Debby Teich

n May 30, Davie families will gather for the Annual Memorial Day Parade, Service and Family Cook-out to pay their respects to the men and women who died while in the military service. The festivities will begin with the Memorial Day Parade at 10 a.m., presented by the Scoutmasters Camporee Committee South Florida Council and Boy Scouts of

America. More than 60 groups will participate, including scouts, Davie Police and Fire Rescue, military organizations, local politicians and more. The parade will proceed down Davie Rd., beginning at SW 39th St and ending at the Bergeron Rodeo Grounds. “Bring your family, friends and a lawn chair and celebrate Memorial Day with the Boy Scouts,” said Special Projects Director Bonnie Stafiej. Following the parade, at 11 a.m., a Memorial Service will take place at the Bergeron Rodeo Grounds. More than 1,500 people are expected to show their support for our soldiers and acknowledge the sacrifice they have made and are making to ensure the country’s freedom. Soldiers who fought in each of the different wars will be recognized during a moving ceremony that includes a 21-Gun Salute. The public will have an opportunity to place a flag on a veteran’s graves. The flags will be available prior to the service for $1. After the service, there will be a family cook-out with live music, food, drink and fun. The event is sponsored by the Veterans of Foreign Wars, Davie Post #9697, whose 615 members have all fought in combat. The Veterans will be cooking hamburgers, hot dogs and Sloppy Joes and the Ladies Auxiliary will be selling baked goods. They will also be collecting donations for red poppies to help disabled veterans. All of the proceeds from the family festival will benefit Veterans of Foreign Wars Post #9697. “We will remember all of our friends that fought in wars and did not come home,” said Stuart McLees, Commander of Post #9697. “We hope you will come out to support your local Vets.” For information, visit www.davie-fl.gov, call 954-797-1163 or send an email to bonnie_stafiej@davie-fl.gov.

Veterans participate in last year’s ceremony at the Bergeron Rodeo Grounds.

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May 2011

community news Davie Residents Participate in 15th Annual Waterway Clean-Up By Debby Teich

he message from Davie’s recent waterway clean-up was clear. Davie residents are proud of their community and want to make sure that it is litter-free. On March 26, more than 450 volunteers gathered for the 15th Annual Waterway Clean-up, sponsored by the Central Broward Water Control District and the Town of Davie. The effort, which started with a group of volunteers gathering on a Saturday, has grown into a major event involving school clubs, boy and girl scouts, religious and non-profit organizations, local families and individuals. Each of the volunteers was assigned to a small area along the C-11 Canal. In total, they cleaned more than eight miles along Orange Drive and Griffin Road, between State Road 7 and Flamingo Rd. “The event is a great way for these volunteers to give back to the community,” said Special Projects Director Bonnie Stafiej. “It is also a good way to remind them that it is important to keep our waterways clean.” The campaign seems to be working. Volunteers used to find cars, refrigerators, air conditioners and other large items. Each year, however, they find fewer large items and less trash. In return for their efforts, participants received com-

munity service hours, a free Waterway T-Shirt and a ticket for admittance to the “Trash Splash after the Clean-Up Party” held at Pine Island Park Pool, with free food and a DJ. Carole Davis’ two children participated in the clean-up. Her children are very concerned about the environment and have scolded people for throwing empty fast food

bags and other trash out of their car windows. “I cannot believe how much they collected,” said Davis. “So many people litter without thinking about what it will do to the environment.” For information, visit www.davie-fl.gov.

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community news SI of Davie Presents “Live Your Dream” Luncheon By Debby Teich

the global outreach of Soroptimist International of eadership expert, trainer, author the Americas around the world. Some of the serand retired Navy captain Karen Baetzel is vice projects include the EASE Foundation, Hope dedicated to empowering women. As a wife Outreach, Old Davie School, PACE Center for Girls and mother with extensive corporate leadership Broward, Project Stable, Partner In Education with experience, she understands the realities of balancDavie Elementary School and Wounded Warriors. ing work, life, family and self. On May 14, she will In March, SI Davie raised $10,000 for American present her powerful message at the Signature Cancer Society’s Relay for Life. Grand in Davie. The “Live Your Dream” Luncheon The organization also gives out two annual is presented by Soroptimist International of Davie awards. The Violet Richardson Award is preto inspire women and girls to live their dreams and sented to a young girl between the ages of 14 to encourage them to pass on their good fortune and 17 who identifies a need in the community to others. It is an opportunity for women to have Violet Richardson award winner Haley Curran with club members. and then organizes and implements a plan to some fun, think really hard and learn some real power principles that they can use to meet that need. This year’s winner Haley Curran was awarded $1,000 for her work achieve their goals. “When women help themselves and one another, amazing things in Guatemala with global literacy. She went on to win the Southern Region VRA, can happen,” said Recording Secretary Constance Ruppender. which provided another $1,000 award for her college fund. She will be considered for Established in 1983, SI Davie is a close-knit group of business and professional the Soroptimist Internation of America award. The Women’s Opportunity Award is women who participate in volunteer work to improve the lives of women and girls given to a woman seeking educational/vocational skills to re-enter the work place. within Davie and Broward County, as well as throughout the world. The group’s 28 Recipients are usually single mothers seeking to become economically independent. members are very diverse and include politicians, bankers, grove owners, educators, This year, SI Davie helped a single mother with two daughters pay for tuition and accountants and others. They meet for lunch at the Blue Moon Diner in Cooper City books. Now she is getting ready to graduate. on the on the first and third Tues. of the month. “It is a dynamic group and everyone brings their best talent,” said Ruppender. “We are all there for the greater good. After Tickets for the luncheon are $30 per person and can be obtained through the club’s all, you can only have so many purses and so many pairs of shoes.” web site at www.sidavie.org or by calling 954‐472‐6500. For club information, call SI Davie supports several local programs and community organizations, as well as 954-661-4740.

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can do kid Cooper City Teen Wins Crown By Debby Teich

ifteen-year-old Rachel Franchesca Marvilli has always dreamed of becoming a princess. Now she is a queen. She was recently crowned Miss Weston Teen USA 2012. The Cooper City teen entered five pageants prior to winning the Weston title in February. She competed against seven other delegates, who were all judged based on interviews, swim suits and evening gowns. “I am proud to be able set a good example for other teens,” said Rachel. “I have met so many interesting and important people through the process.” She plans to compete for the Miss Florida Teen USA in October. Rachel is used to working hard to achieve the things that are important to her. She has been a professional model since she was five-years-old. She enjoys dancing, as well as singing in English and Spanish. She has also been a competitive skater since she was seven-years-old. She practices five days a week and hopes to skate in the Olympics one day. Most of all, however, Rachel enjoys helping others. Two years ago, she started the RFM Foundation to reach out to those in need in the community. She volunteers on a regular basis at the Joe DiMaggio Children’s Hospital. She visits with the children and brings them toys, clothes and arts and crafts. “I get so much joy out of making them happy,” said Rachel. She plans to become a medical physician assistant so she can continue her efforts to help others throughout her career.

Davie Teen Wins Circuit Championship By Debby Teich

lthough Rebecca Whittaker of Davie was only six years old when she rode her first horse, she immediately knew that she had discovered her passion. She made up her mind that she would ride in the Olympics one day and has been pursuing her goal ever since. Her performance at the Wellington Equestrian Festival last month proved that she may be well on her way. After competing against riders from all over the world during the 12-week festival, Rebecca was named the new Circuit Champion in the Low Children’s Jumper Division. The fifteen-year-old trains at Competition Farms in Southwest Ranches and was the first rider at her barn to win a circuit competition. Her victory was the result of a lot of hard work and sacrifice. Most weekdays, she goes straight to the barn to prac-

May 2011

tice riding and take care of her horse Cartier after completing her honors and Advanced Placement classes at Western High School. She also spends several hours at the barn on weekends. When she is at home, she watches videos and reads books about riding. She has missed birthday parties and given up time with her friends to ride. “It has been difficult to find the perfect balance between riding, school, and friends, but I know what I have to do to achieve my goals,” said Rebecca. “I also know that there are no short cuts. The most important thing is to stay positive and have a good attitude. I have developed a very close bond with my horse. We have learned to trust each other. When something unexpected happens, I focus on how to fix it so it does not happen again.” Rebecca has set a series of short term goals in her effort to reach the Olympics. She plans to compete in Chicago this summer and hopes to move up to the Junior Division in next couple of years. She wants to attend Brown University as a member of their Division One riding team. She also wants to become a professional rider. “Rebecca is skilled, determined and hard working,” said her trainer Erica Garcia. “She does whatever it takes to win and will go very far.” Rebecca wants others to love riding as much as much as she does. She has learned a tremendous amount from her mentor and idol Georgina Bloomberg and believes it is her responsibility to serve as a role model for the younger kids at the barn. She teaches them to ride during camps and helps them train for competitions. “Riding is such an incredible sport,” said Rebecca. “I would encourage everyone to try it.”

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community news Davie Vice Mayor Inducted into Broward Women’s Hall of Fame By Debby Teich

have a ways to go,” said Hattan. Hattan has been a member of the Local, State and National Women’s Political Caucus since its inception more 30 years ago. As a member of the Gwen Cherry Chapter, she has served in various leadership positions and as President from 1992 to 1994. In addition to her duties with the local Chapter, she served on the State Caucus Board as Vice-President for Political Education, and Vice-President of Legislation. She currently remains a member of the Women’s Political Caucus State Board. In addition to her efforts on behalf of female candidates, Hattan is a volunteer member of the Broward Teachers’ Union (BTU) Executive Board. As an active member of BTU, she chairs the Committee on Political Education and is a representative to the AFL-CIO. In September 2010 she was the recipient of a Broward County AFL-CIO Award which reads: “For Your Tireless Commitment and Energetic Involvement in the Broward Community.” Along with her BTU activities, Hattan is a member of the School Board’s Anti-Bullying committee and Treasurer of The Davie Women’s Club. She also serves as a Board Member of the James Junior Fund which raises monies for the Joe DiMaggio Children’s Hospital.

he Town of Davie Vice Mayor Caryl M. Hattan has consistently demonstrated her commitment to the community. Her efforts were recognized during her recent induction into the Broward County Women’s Hall of Fame by the Broward County Women’s History Coalition. The mission of the Coalition is to honor diverse women for their contributions to society and the advancement of women; the pursuit of education for and about women; and to advocate for the empowerment and equality of women. Hattan was one of six Broward County women who were honored at the Women’s Hall of Fame Luncheon on March 27. They joined 142 women who have been inducted over the past 20 years. A 34-year Broward resident, Hattan maintains a fulltime teaching position at a school for emotionally and behaviorally challenged students and has served as Town of Davie Vice Mayor since 2010. She also dedicates her time to increasing the political influence of women. She has been a consistent voice for women who want to break through the political glass ceiling. She has helped identify women who might run for elected office, provided training for women candidates, and volunteered on many women’s campaigns. Her mantra is “When Women Run, Women Win.” “Women have made a lot of progress, but we still

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fitness forum Five Reasons That Diets Fail Ellen Latham, MS

o, many clients who work out at my facility refer to themselves as Professional Dieters. They have tried every weight loss plan, scheme, and promise under the sun and have failed over and over. The following five reasons are usually the reasons why.

Reason #1

They were not ready to make a full time commitment. Weight loss is at least 50% attitude. Do you want the truth? Do not start a weight loss program unless you are ready. ADVICE: Do some serious soul searching and figure out what your personal motivation is to shed the extra weight. The motivation has to come from you. Then you need to recharge that motivation everyday if you are going to make it. I am a firm believer that short term goals are more important than long term goals in this situation.

Reason #2

You expect miracles. You have unreasonable expectations in regard to how much weight you should be losing. You will end up very disappointed and fall off the wagon. ADVICE: I know you are looking for that quick fix. It does not exist, even if that infomercial says you will lose 20 pounds in one hour. Snap out of it. If you stay slow and steady you will be on your way to fantastic end results.

Reason #3

You’re on a ridiculous plan. If you’re following an extreme weight loss plan (i.e. the cabbage soup diet) where it does not remotely resemble normal eating, there is a good chance you will fail. You may lose some weight but I guarantee it is back on within a week. ADVICE: A good food plan is based on healthy foods that keep you satisfied and energized, not cranky. This food adjustment should be a launching pad for long term lifestyle change.

Reason #4

You had a breakdown and ate two pieces of cake and started falling apart. You tell yourself, “I already ruined everything so I might as well give up.” ADVICE: Don’t dwell on your mistakes. Instead, shake it off and get right back on track at your very next meal…..or the next day

Reason #5

You do not include proper fat-burning, metabolism-raising exercises in the mix. ADVICE: A fast metabolism is critical to burning fat and managing body weight. The more muscle you use the more calories you burn. Intervals on the treadmill and multi and single joint weigh training are the best. May begins a new month of the Biggest Loser Contest. Anyone interested in this four week program of exercise and food coaching to lose 10 to 40 pounds in 4 weeks (that is our weight loss statistically) should call 954-472-9440.

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ask the expert What is Gynecomastia? By Dr. Charles Messa

he term comes from the Greek words gyne meaning “woman” and mastos meaning “breast.” In practical terms, this means abnormally large breasts on men. The condition is relatively common in adolescent boys, and 90% of the time symptoms disappear in a matter of months, or as adolescence wanes, a few years later. But the remaining 10% are burdened with a social handicap that can cause shame, lowered self-esteem and confidence. There are many potential causes including puberty, steroid abuse, obesity, marijuana use, side effects of medicine, and certain genetic diseases. Gynecomastia can be emotionally devastating. A man or boy with gynecomastia struggles with anxiety over such simple acts as taking off his shirt at the beach. In cases of obesity, weight loss can alter the gynecomastic condition, but for many it may not totally eliminate it. For all other causes, surgery is the only known physical remedy, and often the best solution. Once the contour of the chest is restored to normal, the patient can begin to feel more confident and self-assured with his physical body image. Plastic surgery to correct gynecomastia is technically called reduction mammaplasty and reduces breast size, flattening and enhancing the chest contours. In severe cases of gynecomastia, the weight of excess breast tissue may cause the breasts to sag and stretch the areola (the dark skin surrounding the nipple). In these cases the position and size of the areola can be surgically improved and excess skin may be reduced. The procedure can be performed under intravenous sedation or general anesthesia depending on each individual’s medical condition. In cases where gynecomastia is primarily the result of excess fatty tissue, liposuction techniques alone may be used. There are various liposuction techniques that may be used; the technique most appropriate in your case will be defined prior to your procedure. Excision techniques are recommended where glandular breast tissue or excess skin must be removed to correct gynecomastia. Excision also is necessary if the areola will be reduced, or the nipple repositioned to a more natural male contour. Incision patterns vary depending on the specific conditions and surgical preference. Sometimes gynecomastia is treated with both liposuction and excision. Any surgical treatment to correct gynecomastia will require incisions. While most incision lines are concealed within natural contours, some may be visible and are a necessary result of breast reduction surgery. After surgery, dressings or bandages will be applied to your incisions and an elastic bandage or support garment may be used to minimize swelling and support your new chest contour as it heals. The procedure duration is typically one to two hours and most men are able to return to work within 4 to 5 days depending on how much lifting is required. After the procedure you will be given specific instructions that may include how to care for your surgical site(s), medications to apply or take orally to aid healing and reduce the risk of infection, and when to follow up. Men often have a very difficult time talking about their breasts to anyone, but it is the first step toward relief. If you have additional questions regarding gynecomastia, you can schedule an individual consultation with me by contacting my office at the Weston Cosmetic Surgery Center 954- 659-7760. www.davietowntimes.com

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community news Will the Real Housewives of Forest Ridge Be Next? By Debby Teich

he Real Housewives of Miami is Bravo’s newest show in the series, but the Housewives of Forrest Ridge could be next. Members of the Forest Ridge Woman’s Club love to follow the lives of the characters on the LA series. The women on the show recently had a “White Party” that looked like fun so club members decided to have one of their own. On March 31, the women got together for a “Real Housewives of Forest Ridge - All White Party,” hosted by Janis McKendry and Diane Bossle. Marcelo, of Creative Design, donated his services so the women could have their hair and makeup done for the event while they sipped champagne. They dressed in all white and had a great time. “We can identify with the women on the show because we are a group of real housewives who get together for events,” said club president Beverly Payne. “I am convinced, however, that we have a lot more fun.” Payne started the club nine years ago after she moved to Forest Ridge. She was not working and her son was in college and she found it difficult to meet people. She realized that she was not alone when 35 people showed up for the first meeting. “Women

need girlfriends to share the good times and the bad times,” said Payne. The club’s 62 members live in Forest Ridge and the Ridge on Nob Hill. They meet once a month at a different member’s home. The hostess provides a main dish and the rest of the group brings wine and food to share. Although they are all in different stages of their lives, they have one thing in common. They are all seeking camaraderie and friendship. Most of their time is spent caring for their husbands and children or volunteering in the community. They meet once a month just to focus on themselves. When club members are not feeling well, want to sell something, or need a roofer, they can bring it up at a meeting or post it online and they can always find the help they need. “We talk, laugh and just have fun,” said Payne. “We are a major support system for each other. This is the best group of women I have ever known.” New members must live in Forest Ridge or the Ridge on Nob Hill. Annual dues are $35. For information, send an email to bspayne@bellsouth.net.

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cover story Massage Envy Offers the Perfect Gift for Moms and Dads By Debby Teich

s Mother’s Day and Father’s Day approach, many are searching for the perfect gift. A facial or massage is a great way to help alleviate stress and restore balance to the body and mind. Cooper City’s Massage Envy is offering a special that any mom or dad would love. It includes a 1 ½ hour massage, 1 hour facial and gratuity for only $120 (for first time guests and existing members only). Or, you can say “I Love You” over and over by purchasing a gift membership which allows your mom or dad to enjoy year round benefits. For parents who live out of town, send a gift card that can be used at the nearest clinic. With the recent addition of Murad Healthy Skin Facials, the Cooper City clinic is one of only four Massage Envy locations in Broward County that has been converted to a spa. The Murad Healthy Skin Facials feature specially formulated products from world-renowned dermatologist Dr. Howard Murad. They help clients achieve balanced, more youthful looking skin. Sessions begin with a skin analysis by a licensed, trained esthetician who recommends one of four 50-minute custom facials, including: Rapid Exfoliator Anti-Aging, Clarifying Enzyme Acne, Environmental Shield Vitamin C Infusion, and Sensitive Skin. Massage Envy also sells the full line of Murad retail products so clients can continue their skin care regimen at home. For their monthly pre-paid service, members can choose either a customized massage or facial, with a small fee for the facial products. For a limited time, when members or first time guests book a one-hour massage and a one-hour facial at the same time, they receive a free 1/2 hour upgrade on the massage and are able to have 2 ½ hours of pure enjoyment. Clients can choose from a variety of massages, depending on their needs. The Cooper City location recently added four new aromatherapy massages including: Aches & Pains, Lavender Garden, Mint and Rosemary, and Anxiety Release. Clients leave with a bottle of aromatherapy lotion so they can reap the healing benefits at home. Another popular choice is the Hot Stone Therapy, which melts away tension, eases muscle stiffness, and increases circulation Pam and Rick Altman, owners of Cooper City’s Massage Envy. and metabolism. Each 90-minute Hot Stone session features the placement of smooth, water-heated stones at key points on the body to allow for deeper relaxation once the kids are asleep or to of the muscles. Clients also love the new Deep Heat Relief Muscle Therapy, which is celebrate a special occasion. ideal for anyone who suffers from chronic There are nine single rooms, as pain or limited mobility due to athletic well as one couple’s room that training, repetitive movements, and overuse. is perfect for couples, friends, All of the massage therapists are licensed, or even a mother and daughter certified, registered and have years of experiwho want to experience a masence. Massage therapy sessions start with a sage together. “Whether you five minute consultation so that the therapist are looking to relieve stress; can customize the treatment to address any lower your blood pressure or medical conditions, injuries, ailments or other get some much needed relaxareas of concern. Many enjoy extending ation, our flexible scheduling their massage to 90 minutes, which allows and affordable prices make the therapist to target a specific troubled enjoying a little slice of heaven area as well as provide a full body massage. easy, any time you like,” said As customers enter the treatment room, Pam Altman. they can immediately relax as they listen to soothing, spa music and lie down on Massage Envy is located at 2651 a padded table covered with a warming N. Hiatus Rd., in the Embassy blanket and crisp clean sheets. Therapists Lakes Shopping Center. It is use high quality hypo-allergenic massage open Mon. to Fri., from 9 a.m. creams and lotions. to 10 p.m.; Sat., from 9 a.m. to Massage Envy is open seven days a week, 8 p.m. and Sun., from 10 a.m. with convenient hours including late nights to 8 p.m. Walk-ins or appointand weekends. Many customers come ments accepted. For more inforduring lunch, after a long bike ride or run, mation, call 954-432-1112 or visit www.MassageEnvy.com. Massage Envy sells the full line of Murad products.

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s an attorney handling automobile accident claims in South Florida, I frequently counsel individuals to select an insurance policy that best fits their needs. Many times, consumers do not understand the importance of carrying Uninsured Motorist coverage in Florida. Do not confuse Personal Injury Protection (PIP) coverage with Uninsured Motorist (UM) coverage. Drivers in this state are required to carry $10,000.00 in PIP insurance. PIP covers someone that is injured in an accident regardless of whether they are at fault for the crash. Florida law provides that PIP shall cover eighty percent (80%) of medical bills and sixty percent (60%) of lost wages when a person is injured in an accident. This coverage is paid out as the person receives treatment or submits proof of lost wages. However, when someone is injured in an accident, often the coverage provided by PIP is insufficient to fully compensate them for their damages. In Florida, drivers are not required to carry Bodily Injury (BI) coverage. Therefore, if the person that caused the accident did not purchase BI coverage, fled the scene of the crash or carried insufficient coverage, there will not be insurance available to compensate the injured person for their full measure of damages unless they purchased UM coverage. Recent reports indicate that 25-30% of drivers in Florida do not maintain BI coverage. This number is increasing because of the economic climate. Unfortunately, we have seen more and more clients that are the victims of a severe crash where the responsible party did not have BI coverage or their policy limits were insufficient to compensate them for their damages. This is when UM coverage becomes essential. Under Florida law, an insurance company must offer drivers the option to purchase as much UM coverage as liability coverage. Many professionals decide to purchase large amounts of liability coverage to protect themselves and their assets in the event they cause an accident. Unfortunately, these professionals do not understand the importance of also obtaining UM coverage to protect them in the event they are hit by someone with minimal or no bodily injury coverage. It also protects them if they are a victim of a hit-and-run accident. UM coverage can be used to pay for an individual’s medical bills, lost wages, pain and suffering as well as future costs and expenses relating to their injuries. We always make it a point to review a client’s insurance policy and emphasize the importance of obtaining adequate UM coverage. It is critical to review your policy to ensure that you carry sufficient insurance to protect you and your family in the event you are injured in an automobile accident.

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“A Doctor’s Confession toWest Broward”

Dear Friend,

It’s strange how life is, because now people chiropractic. When you bring in this article come to see me with their migraines. They also (by 5/31/11) you will receive my entire come to me with their chronic pain, neck pain, new patient exam for $35. That’s with x-rays, shoulder/arm pain, whiplash from car accidents, biomechanical exam, history and consultation… backaches, ear infections, asthma, allergies, the whole ball of wax. This exam could cost you numbness in limbs, athletic injuries, carpal $250 elsewhere. The law says that I must tell YOU tunnel syndrome, just to name a few. THAT YOU OR ANY OTHER PERSON RESPONSIBLE FOR PAYMENT HAS THE Here’s what some of my patients had to say: RIGHT TO REFUSE TO PAY, CANCEL PAYMENT, OR BE REIMBURSED FOR “Due to an auto accident, I suffered from severe TREATMENT, WHICH IS PERFORMED neck pain, vertigo and I could not raise my AS A RESULT OF AND WITHIN 72 arm to comb my hair. Now I am symptom free HOURS OF RESPONDING TO THE with no medication and I can do everything I ADVERTISEMENT FOR DISCOUNTED, could not do before.” OR REDUCED FEE FOR SERVICE, – E. Heaney, Hollywood, FL EXAMINATION, OR TREATMENT.

“Thanks to the DRX 9000 and the doctors, I Great care at a great fee…Please, I hope that no longer have chronic sciatic pain. It’s been a there’s no misunderstanding about quality of long time since I have taken pain medication.” care just because I have a lower exam fee. You’ll – J. Walker, Miramar get great care at a great fee. My qualifications… I’m a graduate of Life College and have been Several times a day patients thank me for practicing for over 10 years. I’ve been entrusted helping them with their health problems. But to take care of tiny babies to pro athletes Let me start by explaining the photo in this I can’t really take the credit. My confession is that you may know. I am constantly going to letter. You know, when I meet people in town that I’ve never healed anyone of anything. What seminars and updating my knowledge so I can they usually say, “Oh, yeah, I know you, you’re I do is perform a specific spinal adjustment to give my patients the latest information and Dr. Rick. I’ve seen your ad with that picture remove nerve pressure, and the body responds techniques of my profession. My assistants are of you and your family.” Well, I’m the guy on by healing itself. We get tremendous results. It’s Mylene and Nyrie – really great people. Our the left. a simple as that! office is both friendly and warm and we try our best to make you feel at home. We have a Twenty years ago something happened to me Forty-five million Americans no longer have wonderful service, at an exceptional fee. that changed my life forever. I was a junior in health insurance, and those who do have found high school and I started getting migraines. I that their benefits have been greatly reduced. Our office is called Windmill Health Center had suffered from intense headaches since That’s where chiropractic comes in. I have a and it’s at 17160 Royal Palm Blvd., Suite 1 in the childhood. Over the years, I consulted many significantly lower fee plan so that more people Windmill Professional Plaza. Our phone number medical doctors, and specialists. I went through are able to afford the care they need. An entire is 954-217-4881. Call Mylene, Nyree or Evee for all kinds of tests, MRIs, and treatments. I tried week of care in my office costs what you could pay an appointment. We can help you. Thank you. every drug in the market; our medicine cabinet for one visit elsewhere. Another way to save… looked like a hospital’s infirmary. And still, studies show that chiropractic can double your For more information regarding our nothing helped. But there’s more… immune capacity, naturally and without drugs. services please visit our website www. The immune system fights colds, the flu, and WindmillHealthCenter.com. If you would like A friend of mine convinced me to give a other ailments. So you may not be running off to email us with your questions, you may reach us chiropractor a try. The chiropractor examined to the doctor as much. Studies show that people at WindmillHealth@myacc.net me, took X-rays, and then “adjusted” my spine. actually pay less for their long-term overall health – Rick Behar, D.C. The adjustment did not hurt; it actually felt care expenses if they are seeing a chiropractor. good. And guess what…I started feeling so P.S. I am also offering the second family much better! From daily migraines, I went You Benefit from an Amazing Offer-Look, it member for only $27. down to three a week, and then to once in a shouldn’t cost you an arm and a leg to correct great while. That’s when I realized that I wanted your health. You are going to write a check to P.P.S. Your time is as valuable as mine. That’s to become a chiropractor and help others. That’s someone for your health care expenses, you why I have a no-wait policy. You will be seen how it happened! may as well write one for a lesser amount for within minutes of your appointment.

want to give credit where credit is due. So, perhaps a confession can help clear the air so there’s no misunderstanding. Before I talk about my confession, though, let me say a few other things first.

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health & Wellness Look Years Younger – No Surgery! By Dr. Jean-Claude Nerette

pring back the hands of time. Look years younger with no surgery, virtually no downtime and after one hour. Is this possible? Yes, absolutely. Our youthful facial appearance is robbed as we start to grow older because of a loss of collagen. The breakdown of collagen creates volume loss which results in wrinkles, facial lines and loose skin. This is visually seen as shadows on the face from the contours created on the face from a loss of collagen. In addition, gravity pulls skin down resulting in sagging skin and jowls. It is important to understand that youthfulness is not achieved by only taut skin but by fullness of facial contours. Dermal fillers are the answer to immediately smooth away wrinkles and improve laxity of skin because they replace areas lacking in volume, lift skin and acts as scaffolding to your facial structure and stimulate your own body’s natural collagen production. The more popular fillers consist of either hyaluronic acid (Perlane, Juvederm, Restylane) or calcium-based microspheres (Radiesse). These fillers are placed under the skin using very small injections. The type of dermal filler chosen determines the longevity of the product. Dermal fillers may last from six months to over a year. More important than choosing the filler, however, is selecting the best artist/practitioner to apply the product. Often times, practitioners want to chase the fold – meaning they will go directly where they visually see a loss of volume. This may not be the best way to treat the wrinkle. Let me explain. One of the first folds in the face to appear as a result of collagen loss is the nasolabial fold. This fold is located near the corner of the nose extending to the outer upper lip. Many times I treat this fold by giving minute volume to the cheeks first. As a result, the fold is then lifted. This lift creates a more youthful natural appearance and diminishes the nasolabial fold. I may or may not need to use any more filler at this point. Downtime – there is essentially no downtime with fillers. The only thing that may be considered downtime is the possibility of bruising. The face is extremely vascular meaning it has many blood vessels. One of these blood vessels may be touched when the filler is placed causing a bruise. Not all clients who receive dermal fillers have bruising and most of these bruises obtained from the dermal fillers can be hidden with makeup. The goal to achieving the most natural youthful appearance is choosing the right practitioner who is an artist with the product, will chose the best product to correct the deficit, utilizes the least amount of product to create the desired effect, and makes the experience comfortable. Depending on the area treated, different anesthetic services may be rendered to make the experience as comfortable as possible. You definitely don’t want this procedure to be uncomfortable or rushed. It is possible to turn back the hands of time and look years younger with no surgery or downtime in approximately one hour! Dr. Jean-Claude Nerette is board certified in Internal Medicine and SottoPelle BioIdentical Hormone Treatment. Dr. Nerette performs all treatments in conjunction with Board Certified Nurse Practitioner Stephanie Muniz at Bellissimo Medical Spa & Salon located in Weston at 2665 Executive Park Drive #3. Schedule your complimentary consultation today by calling 954-384-8989. For information, visit www.BellissimoMediSpa.com www.davietowntimes.com

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May 2011

ask the expert

For Your Health

What You Need To Know About Stroke By Efrain Salgado, M.D.

troke is the third leading cause of death following heart disease and cancer. Every year, more than 795,000 Americans suffer from a new or recurrent stroke episode – that means that a stroke occurs every 40 seconds. Americans will pay close to $70 billion in stroke-related medical costs in this year alone.

Join us for free web chats to learn the latest information on health topics that matter most to you. Cleveland Clinic specialists will share their expertise.

Q: What is a stroke? A: A stroke or “brain attack” is damage to the brain when blood supply to part of the brain is reduced or completely stopped. Brain cells deprived of blood die and can no longer function because they stop getting oxygen and nutrients they need to function.

Live Web Chats

Monday, May 9 Skin Cancer: Ask an Expert! Dermatologists at Cleveland Clinic Florida have expertise in the diagnosis and treatment of skin diseases and disorders, including skin cancers. With the inherent ultraviolet light exposure in Florida and resulting sun damage, the Department of Dermatology offers expertise in the screening, diagnosis, and treatment of skin cancers. Get your questions answered by the experts that care the most. Speaker:

Darron DiGiulio, DO – Dermatologist

Wednesday, May 25 Peripheral Arterial Disease PAD, or Peripheral Arterial Disease, is when the arteries in the legs, or any other part of the body that carries blood out side of the heart, become narrowed or clogged with fatty deposits, or plaque. PAD is a serious condition that can more than double your risk for heart attack or stroke, but often it can be successfully treated by quitting tobacco, exercising and eating a healthy diet. For more questions regarding PAD, join our live on-line chat with one of Cleveland Clinic’s vascular medicine specialists. Speaker:

Carmel Celestin, MD – Vascular Medicine Specialist

Tuesday, May 31 Stroke

Q: What are signs or symptoms of a stroke? A: Sudden weakness or numbness of the face, arm or legs; sudden confusion, trouble speaking or understanding; sudden trouble seeing in one or both eyes; trouble walking, dizziness, loss of balance or coordination and sudden, severe headaches with no known cause. Q: What you can do to prevent a stroke? A: A healthier lifestyle plays a big part in decreasing the chance of disability and death from stroke: stop or don’t smoke; exercise regularly; control high blood pressure; maintain ideal body weight; limit alcohol intake; control cholesterol; improve eating habits; take medication as directed; control diabetes and get regular check-ups. Q: What stroke treatments are available at the Cleveland Clinic Stroke Center? A: Physical and neurological exams are performed immediately to determine brain damage and the cause of stroke. The physician may also get a CT Scan of the head to further investigate the type of stroke. If a blood clot is the cause of stroke, as it most often is, a clot busting medication called Tissue Plasminogen Activator (tPA) can be used for treatment, but must be administered within 4 ½ hours of the onset of symptoms. If you or someone with you has one or more of the above symptoms of stroke, don’t delay, call 9-1-1 immediately. To schedule a consultation with Dr. Salgado at the Cleveland Clinic Stroke Center, please call 1-800-639-DOCTOR, or visit www. clevelandclinicflorida.org for more information.

Cleveland Clinic Florida neurological physicians have expertise in diagnosing and treating stroke. Strokes can happen at any age. Nearly 25% of strokes occur in people under the age of 65 and is also a leading cause of serious, long-term disability. To learn more about the risk factors and preventative measures you can take, or what to do when a loved one has a stroke, log on and get your questions answered by a Cleveland Clinic stroke expert. Speaker:

Efrain Salgado, MD – Neurologist

Web Chats are held from 12:00 pm to 1:00 pm (EST) To register for a Live Web Chat, visit www.clevelandclinic.org/webchats

SAVE THE DATE Friday, May 27th 9:00 am – 2:00 pm Stroke Screening Day Registration Required.

To register: 800.691.6555 or clevelandclinicflorida.org

May 2011

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community news Take-A-Kid Fishin’ Rodeo Offers Quality Family Time By Debby Teich

aniel Harvey of Davie is a third generation fisherman. As a kid, he spent much of his time fishing offshore, as well as in the Davie canal. On June 4, he will share his passion with his two sons – Zachary, 5, and Alex, 7 - during the 29th Annual Take-A-Kid Fishin’ Rodeo, at Wolf Lake Park, 5400 SW 76th Ave. in Davie. “I went fishing with my father every weekend when I was a kid and we always had a great time,” said Harvey. “Now I am creating wonderful memories with my own children.”

Hundreds are expected to attend the event, which started nearly 30 years ago on Davie’s C-11 canal with only five kids. It is an opportunity for kids to leave their electronics behind and spend some quality time with their parents, grandparents and friends. Registration begins at 7:30 a.m. and includes a goodie bag, bait, hat and lunch. Once families find a spot on the lake, they are permitted to fish from 9 to 11 a.m. When they catch a fish, they bring it to the judges table, where a member of Everglades Bass Anglers will help identify, measure and unhook the fish before releasing it back into the water. There will be awards for the kids who catch the most fish and biggest fish. Everyone will also receive a tackle box, fishing rod and reel, as well as a trophy. Rick Browning is a member of the Everglades Bass Anglers and will be one of the judges at the event. “Club members always look forward to helping out at this event,” said Browning. “All of the families who participate have fun spending time together. Every kid should have the chance to learn how to fish.” Brian Akin plans to attend with his two kids – Michelle, 7, and Jake, 9. “We go fishing on a regular basis,” said Akin. “We leave our cell phones behind and just enjoy being together in a calm and peaceful environment. It is my favorite part of the week.” Registration is at 7:30 a.m. Poles will be in the water from 9 to 11 a.m. For information, visit www.davie-fl.gov.

May 2011

To Advertise in Davie Town Times, Please call 954-306-1007

www.davietowntimes.com

Fitness

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school news History Books Came Alive at St. Bonaventure By Debby Teich

he history books came alive for sixtyfour fifth grade students at Davie’s Saint Bonaventure Catholic School as they participated in the Tenth Annual Living Museum of Explorers. The students used books, encyclopedias and computers to gather information about famous explorers like ReneRobert Cavelier de La Salle, Christopher Columbus and Jacques-Yves Cousteau. They also used their creativity to develop a project which Olivia Tighe as Abel Janszoon Tasman Sarah Cuervo as John Cabot included the explorer’s personal diary, a tabletop display with props and artifacts, and a period costume. After sharing their projects in the classroom, they took their places at the “living museum.” Visitors who toured the museum could stop in front of any explorer and press a “homemade” button to listen to the explorer give a detailed account of his/her life. “The students put a lot of time and energy into making their project come to life and ‘speak’ to the audience,” said museum coordinator and fifth grade teacher Julie

Gran

J.T. Lockwood as Rene-Robert Cavelier de La Salle and Nicky Cruz as Christopher Columbus with 5th grade assistant Barbara Dadamo and 5th grade teacher and museum organizer Julie Blanco.

Blanco. By the time the students were tested on the explorers, most knew everything about them. “This is the one test the kids actually look forward to taking,” said fifth grade assistant Barbara Dadomo. “They learn so much from the experience.” For information, call 954-476-5200 or visit www.stbonaventurechurch.com.

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May 2011

Legally Speaking Have You Been a Victim of Predatory Lending Practices? By Omar J. Arcia, Esq., Foreclosure Defense and Bankruptcy Protection Attorney

redatory lending is when a lender imposes abusive, unfair and sometimes illegal loan terms on borrowers, without regard for the borrowers’ ability to repay the loan. When two or more of the following factors are contained in a mortgage loan transaction, the subsequent forensic audit performed on that transaction usually reveals serious violations of federal and state lending laws.

Property Purchased or Refinanced Between 2003 and 2007.

This four year period marked the peak of the real estate boom in South Florida. Just about anyone, including foreign nationals without any past credit history, could obtain a “sub-prime” loan for all the value of the mortgaged property. The sub-prime mortgage market thrived during this time, allowing borrowers to encumber their properties well beyond their true market values.

Mortgage Loan Contains an Adjustable Rate or “ARM” Feature.

These types of loans are initially set at an artificially low interest rate for a brief period of time. They then switch to an adjustable rate for the remaining term of the loan, and the rate can increase as often as every six months. Even if the U.S. interest rate index remains unchanged, the monthly payments on these loans could increase by up to 50%. These loans have the highest delinquency rate of any other loan product.

Mortgage Loan Contains Negative Amortization.

Negative amortization occurs when the monthly mortgage payment is not sufficient to even cover the interest due, and therefore, the balance of the loan increases over time even though payments have been made. If you owe more today on your home loan, than when you originally purchased or refinanced, your loan is negatively amortized.

Mortgage Loan is Interest-Only or Pick-a-Payment.

Under these types of loans, the borrower is only required to pay the interest due on the loan or some other minimal payment that does not even cover the interest on the loan. After a few years, the required monthly payment is usually increased to cover the outstanding balance. Once the loan payment is increased, so does the likelihood the borrower will default, and eventually be subjected to foreclosure.

Mortgage Loan Approval Based Only on Stated Income.

Roughly half of all sub-prime borrowers from 2003-2007 were given “stated income” loans, in which they were qualified based on statements in the loan application as to their income. These statements of income were largely unverified, and often the “stated income” required for the loan to be approved was the exact amount included in the application by the mortgage broker. If any of these factors apply to your current loan, you should at least have a professional forensic audit performed to find out whether you have any viable claims against your lender. If your claims are timely and properly raised, you may be entitled to reduce the amount you owe, or cancel your loan obligation altogether. A more detailed explanation of these factors, different options available to homeowners in foreclosure, and key foreclosure defense strategies are discussed in a new instructional DVD developed by the Arcia Law Firm entitled “Fight for Your Home,” which is available in both Spanish and English. Contact the Arcia Law Firm to receive a FREE copy of this DVD (which retails for $39.95 plus S/H). The Arcia Law Firm is privileged to defend dozens of homeowners in our community in foreclosure and bankruptcy cases. If you are struggling to make your monthly mortgage payments, or if you just received a foreclosure summons, contact the Arcia Law Firm at 1-800-770-7102 to schedule a free consultation, or visit www.arcialawfirm.com .

May 2011

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May 2011

Legally Speaking How Much Does It Cost? By Evan Baron, esq.

Evan Baron, Esq. & Tiffany Brown, Esq. would like to welcome our new associate Karen Lungarelli, Esq. to the team.

Continuing to Serve the Weston area with over 25 years of Experience.

FAMILY LAW

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CRIMINAL LAW

f I had to choose the question I am asked the most, it is, “How much is a divorce?” My friend who also practices family law responds by asking the individual, “How much is a car?” It may not seem to be a logical response, but in actuality he is making a valid point. You cannot explain how much a car costs anymore than you can explain how much a divorce costs. The price of a car is based upon the type of vehicle you are looking for. There are cars which may cost $18,000 and there are cars which can cost over $100,000. It obviously depends upon a number of factors which affect the price of a car. The explanation of the cost of a divorce is similar. There are a number of factors which affect the cost. Unlike a car, however, some of these factors may be beyond an individual’s control. The similarity is that just like each car can be a different price, so can each divorce.

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The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

The cost of a divorce is divided into fees and costs. Costs represent funds that are paid to third parties other than the attorney handling the case. They are typically filing fees, costs of a process server, mediation fees, court reporter fees and expert fees such as accountants, psychologists and Guardian ad Litems. Of course, just like a car, not every case requires the above listed costs. Other than the $409 filing fee, the above mentioned costs are not required and are often not necessary. Once again, each case is different. Attorneys’ fees are based upon billable hours. Each time an attorney performs a task on a case the client is billed for the time necessary to complete the task. The amount that an attorney charges for his/her time is determined by the attorney. You can expect that the more experience an attorney has, the higher his/her hourly rate will be. Obviously, the more time that is spent on a case the greater the cost. As I previously stated, sometimes the costs are not necessarily within the control of either the client or the attorney. If the other spouse is perhaps being aggressive, then it will result in more time being spent to address this issue. As I previously stated, more time, more fees. Sometimes a judge’s busy schedule will result in the parties having to wait for a hearing or perhaps have to return another day to complete a hearing. My philosophy is to get a case resolved as quickly as possible. Of course it is also my responsibility to make sure that the client is protected and as such it may not be concluded as quickly as a client would like. Just like a car, every case is different. For information, visit www.divorcebroward.com or call 954-385-9160.

May 2011

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(NW Corner of Stirling Rd & Davie Rd)

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954.430.1725 To Advertise in Davie Town Times, Please call 954-306-1007

May 2011

Real Estate New Homeowners Can File 2011 Homestead Exemptions until 9/11 By Zona Horton, CRS, GRI, Realtor

have always strongly recommended to my buyers that it would be a good idea to apply for homestead exemption on their primary residence. Some have elected not to act on that recommendation, when this task (which can now be accomplished online at BCPA.net), would have saved them thousands of dollars each and every year.

What is homestead exemption?

According to BCPA.net, “all legal Florida residents are eligible for a Homestead Exemption on their homes, condominiums, co-op apartments, and certain mobile home lots if they qualify. The Florida Constitution provides this tax-saving exemption on the first and third $25,000 of the assessed value of an owner/occupied residence. While a complicated formula is used to explain this -- as the additional $25,000 only applies to the non-schools portion of your tax bill -- the bottom line is that the basic homestead exemption saved a Broward homeowner in 2010 anywhere from $688 to $1,029 (depending upon your city’s millage rate) in annual tax savings for all homes with a value of $75,000 or higher. You are entitled to a Homestead Exemption if, as of January 1st, you have made the property your permanent home or the permanent home of a person who is legally or naturally dependent on you. By law, January 1 of each year is the date on which permanent residence is determined.” Homestead exemption caps your property taxes – which can mean big savings in the coming years to homeowners. According to BCPA.net, you may pre-file for your 2012 exemptions or late file for 2011 exemptions (including other exemptions): This includes homestead, disability, widow/widower, granny flat, portability, low-income seniors, and non-profit exemptions. You may also late file now for 2011 exemptions. To be eligible for a 2011 exemption, you must be on the title (deed), make the property your permanent residence as of January 1, 2011, and must submit a complete application by the statutory September 19, 2011 late filing deadline. You can visit BCPA.net to apply for a 2011 homestead, by simply clicking on the link to their online Homestead Application system.

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Other ways Homestead Exemption can save you money when you purchase another house in Florida

If you’ve outgrown your current home, or your current home has outgrown you, perhaps it is time to purchase another home and “port” your homestead exemption to your new home, According to BCPA.net, “Florida’s Portability law allows property owners to transfer their Save Our Homes benefit earned on a previous Florida homesteaded property to a new Florida homesteaded property. If you are applying for a new homestead exemption AND you held a homestead exemption on a previous property within the last two (2) tax-years anywhere in Florida, you should also submit a Portability application with your Homestead application. Note: a Portability application transfers any tax savings you have earned, but it does NOT transfer your Homestead exemption from one property to another. You MUST first apply for a Homestead exemption in order to be eligible for Portability.” There is a calculator on BCPA.net which will give you an estimate as to what your “portability power” will be. If you are ready to upsize or downsize your residence, please contact me. I would love to help you make the move! If you would like the current Facts & Trends™ graphs sent to you on a quarterly basis, call 954-306-7298 or send an email to zonster@aol.com.

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May 2011

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BANKRUPTCY

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The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our experience and qualifications.

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To Advertise in Davie Town Times, Please call 954-306-1007

May 2011

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10/10/08 2:51:30 PM

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DO IT YOURSELF AT HOME. BUT START WITH US AT THE NEW

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954.472.4422

1000 South Flamingo Road 路 Davie, Florida 33325

OPEN 7 Days 8AM - 5PM

Home Décor Custom Rugs – Your Way By Faryal Ali

ou are stylish and sophisticated with a unique decorating style. Your paint was custom-mixed to suit your décor. Your drapery and window coverings are custom-made to complement your overall décor. So what about your rugs? Your flooring is a very important layer in decorating so go custom. Beautiful Windows now offers you a 130 Designs in 480 colors all custom created by you on our computers.

It is so easy and so much fun. Select one of 130 patterns. Choose your shape and size – rectangle, square, oval, octagon, round, runner or carpet for the room. ▸▸ Choose the colors that enhance your décor – 480 colors in different textures and piles. ▸▸ See it come alive on our computers. Play with it and change it around till you absolutely love it. ▸▸ Order and it’s ready in 4 to 5 weeks. Prices start at just $387 for a 5 ft. x 8 ft. custom rug. Tips on choosing a rug: Use a rug to define or separate areas, such as seating or dining areas, and foyers. ▸▸ Shape: Let the way you group your furniture dictate the shape of your rug. ▸▸ Size: For a room size rug subtract 3 feet from the length and width of the room. Leaving the floor bare at the edges makes it look a little larger. ▸▸ Dining Room: Leave at least 24” of rug from the edge of the table out on all sides. This enables the back legs of the chairs to stay on the rug, when pulled out. Select man-made material or wool (not silk or cotton) for easy clean up and durability. ▸▸ Runners: They should be 4 inches narrower than your hallway and 18 to 24 inches shorter. ▸▸ Layering: Throw a rug over your carpet to accentuate or create more visual interest. ▸▸ Pattern or solid: If you have lots of pattern in your furniture or drapes, I recommend a rug with little or no visible pattern. If the opposite is true, a patterned rug will bring life to the room. ▸▸ Color: Remember your color theory basics when picking a rug. If you want your space to appear larger, choose a lighter color. A darker color will make the room seem more intimate. Bring us a picture of your furniture and we’ll help you select your custom rug. We’ll design your rug right on our computers. It’s the best visual tool ever. See for yourself why so many of our clients are choosing to do Custom Rugs - Your Way. As I always say, “Seeing is believing!” ▸▸ ▸▸

9900 Stirling Road Suite 205 Cooper City, Fl. 33024

www.KayFinancial.net *Securities offered through H.D. Vest Investment Services SM, Member SIPC. A non-bank subsidiary of Wells Fargo & Company, 6333 N. State Highway161, 4th Floor, Irving, TX 75038, 972-870-6000 Kay Financial Services, LLC is not a registered broker/dealer or independent investment advisory firm

SWITCHING =

May 2011

Visit Beautiful Windows’ 4,000 sq. ft. Draperies and Blinds Showroom. It is a one-stop shopping source for all your window covering needs. With over 19 years of experience, you know you are in good hands. For information, visit www.beautifulwindowsblinds.com.

To Advertise in Davie Town Times, Please call 954-306-1007

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Pollo Tipico Specialist In Spanish Cuisine We Do Orders for Special Occasions!

Lunch Special ¼ Pollo $399

Combo 10am-2pm Mon-Fri

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Up Only toon30% Off select items We Carry:

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6606 Stirling Rd. Davie, FL 33024

954-322-8008 Mon-Sat: 12-6pm

Hours: 10am-9pm

954.791.2626 954.791.1241

5011 South SR7 (441) Bay 101-102-103 Davie, FL 33314

Luminette® Privacy Sheers

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* Manufacturer’s rebate offer valid for purchases made between 5/3/11 – 9/12/11. Limitations and restrictions apply. All rebates will be issued in U.S. dollars, in the form of an American Express® Prepaid Reward Card. ©2011 Hunter Douglas. ® and TM are trademarks of Hunter Douglas.

www.davietowntimes.com

To Advertise in Davie Town Times, Please call 954-306-1007

Directions: From I-595 Exit Nob Hill South Go right at Burger King. Next right at end of road. Pass Imperial Lighting. Follow to our new location.

May 2011

Crown Molding and Painting ay Mother ’s Dt! Discoun

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GRAND OPENING

Batten’s Farmers Market Friday, May 27 5151 SW 64th Ave. Davie, FL

on Davie Rd Extension between Griffin & Stirling Rd.

954-638-6416

Vendors Call: 954-434-8220

Licensed & Insured • References Available

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May 2011

To Advertise in Davie Town Times, Please call 954-306-1007

www.davietowntimes.com

SUMMER MUSIC MINI-CAMPS OFFERED

photo contest The World’s Favorite Newspaper™ Devin, 5, and Taylor, 3, took the Davie Town Times with them on a trip to Walt Disney World in Orlando. They went with their mommy, daddy, grandma and grandpa. Their mommy read to them while they looked at all the pictures.

Music Instruction for Kids of ALL Ages! Offering Convenient Sunday Hours (Noon-5 PM)

Serving Weston Area since 1995

FLAMINGO COMMONS class “a” executive suites

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12555 Orange Dr., Davie, FL (north side of Orange Drive, Just West of flamingo road). www.thecrexent.com • www.thecrexentblog.com *new 15” intel laptop. Valid with a 13 month agreement for executive or corporate offices. limited time offer. can not be combined with any other incentive. not redeemable for cash. new clients only. Other restrictions may apply.

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To Advertise in Davie Town Times, Please call 954-306-1007

May 2011

FedUSA Insurance 1164 North S.R. 7 路 Lauderhill, Fl 33313

954-568-1588 Fax: 954-321-5896 Agent: Bill Moore

www.fedusa.com

May 2011

To Advertise in Davie Town Times, Please call 954-306-1007

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DISPOSE OF THE JUNK IN YOUR TRUNK!! • MEDICALLY SUPERVISED WEIGHT LOSS • LOSE 1-2 POUNDS SAFELY PER DAY • NO HUNGER! NO EXERCISE! • PERSONAL WEIGHT MANAGEMENT CONSULT • LOSE THE WEIGHT AND KEEP IT OFF • FREE NO OBLIGATION CONSULTATION BIOIDENTICAL HORMONE REPLACEMENT* DAVIE ONLY

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305-830-DIET (3438)

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To Advertise in Davie Town Times, Please call 954-306-1007

HCG acts like a key to unlock the entrance to your body’s stored fat reserves

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May 2011

seen on scene

Compass Program

Students in the Compass program at Schott Communities for Persons Who are Deaf or Disabled studied karate and art.

Food Drive

Ryan Robbins and Emma Franz, both of Cooper City, participated in a food drive to help feed the homeless. The effort was led by Cantor Debbi Ballard.

Archbishop McCarthy High Schoolâ&#x20AC;&#x2122;s Connie Thomas helps a pre-k student put on her graduation gown.

Childhood Cancer

The I Care I Cure Childhood Cancer Foundation hosted a luncheon on April 7, featuring guest speaker Dr. Katherine Matthay, M.D. of the University of California San Francisco. She is one of the many researchers that I Care I Cure funded in 2010. The Davie-based national non-profit organization supports the development of, and raises public awareness about, cuttingedge, targeted therapies for childhood cancer so the treatment of childhood cancer will be gentler and more tolerable. It helped to fund $265,000 in grants for gentler cures for childhood cancer last year alone. Photo (l to r) President Beth-Ann Krimsky, Dr. Katherine Matthay, Co-Founder Brad Besner, Co-Founder Beth Besner

Book Swap

Rock â&#x20AC;&#x2DC;n Roll

Communication Breakdown rocked the stage at the Autism Speaks event that took place on April 9, at the Nova Southeastern University campus. The Led Zeppelin tribute band includes lead singer Josh Gluck (pictured), lead guitarist Kevin Hatton, bass guitarist Veronica Orr and drummer Nick Orr.

Cooper City residents had an opportunity to drop off their slightly used books and exchange them for some new ones.

May 2011

Students from the two 5th grade classes at Saint Bonaventure Catholic School presented the Stations of the Cross for their classmates and then again on Good Friday in St. Bonaventure Church.

To Advertise in Davie Town Times, Please call 954-306-1007

www.davietowntimes.com

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Shenandoah Square • 13730 W. State Rd. 84 • Davie 33325

May 2011

For parties, sales or business opportunities, please call Bobbie Miller at 954-791-8955

To Advertise in Davie Town Times, Please call 954-306-1007

www.davietowntimes.com

Davie

Beautiful Old Bridge Run neighborhood of custom built homes on a builders acre...4 bedrooms,3 bathrooms with a pool overlooking a pond. Resort style heated pool, Fireplace open to living room/ dining room....Impact windows and doors...Half basketball court in backyard...Aprox. 3596 sq.ft. under air!! Offered at $849,000

Davie

Stunning home in guard gated community of Mystique...This home was completely renovated by a fung shui master! Ultra modern design featuring high ceilings and very open floor plan to let in tons of light....5 bedrooms,4 bathrooms,split floor plan. Enjoy your weekend bar-b-qâ&#x20AC;&#x2122;s in your heated pool on a builders acre! 3 car garage,aprox 4900 sq.ft.,Great schools! Offered at:$795,000

Sunset Lakes

WOW!! If you need size,this is your house! 5 bedroom plus office, 3 and a half bathrooms, 3 car garage..Amazing Lake lot...pool...Master bedroom suite overlooks the lake, master bathroom features a whirlpool spa. Hurricane shutters, Circular paver driveway, Gated community features pool,tennis,basketball and fitness. Offered at: $749,000

Davie

Emerald Isles Estates....Model perfect 5 bedroom,3 bath on a builders acre. Split floor plan, beautiful pool,patio area. Kitchen features 42â&#x20AC;? wood cabinets with granite countertops. Aprox 3227 sq.ft. under air and 4038 under roof. Offered at: $595,000

Silver Lakes

200 ACRE LAKE!!! Beautiful remodeled 4 bedroom,2 and a half bath home with a heated pool on a 200 acre lake!!! Brazillian wood floors,newer roof,gourmet kitchen with a butler bar has an ice machine and a wine cooler...outdoor kitchen for bar-b-qs overlooking magnificient sunsets! accordian hurricane shutters and hi-tech survelliance camera. Offered at $429.000

Cooper City

Rock Creek!! 5 bedrooms,3 full bathrooms on a cul-de-sac huge lake lot with a pool! Stunning natural stone floors, Brand new kitchen with granite countertops,Completely renovated interior! AWESOME schools!! Offered at :$379,900.

5304.20.LA.Our City Weston-05:Layout 1 4/22/11 8:58 AM Page 1

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