MIR November 2014 by Our City Media

photo by Grace UmlaUf / oUr city media

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Happy Thanksgiving

round this time of the year , we take a deep

breath and wonder where the time went. The sweltering summer heat is slowly becoming an item of the past, the awesome summer vacation pictures and memories have moved to the back of our minds, and our kids have settled back into their school and sports routines. Now that the Halloween sugar rush has worn off, we are already in full preparation for the Thanksgiving holiday. Wow! Thanksgiving already? In the blink of an eye the entire year seems to have gone by. Another fantastic year of enjoying time with family, friends and neighbors, of being there for each other through good times and bad, and of enjoying each other’s companionship. As we sit down this year with our loved ones from near and far to indulge in a delicious turkey feast, let's give thanks for all the little blessings we have received throughout the year, let’s be generous to those who need our help, and let’s continue to enjoy each other. Happy Thanksgiving everybody! Sincerely, Sven Budzisch Publisher/Owner

Contents

Publisher/Owner . . . . . . . . . . . . . . . . . . . . .SVEN BUDZISCH Managing Editor . . . . . . . . . . . . . . . . . . . . . . . . . Jill Sharpe sales manager . . . . . . . . . . . . . . . . . . . . . . . . . Nancy Koval Account Representatives . . . . . . . . Joyce Bak, Vanessa da Rocha,

Mariem Garcia, Ada Rivera, Alan Schneider, Patricia Maiello Office manager . . . . . . . . . . . . . . . . . . . . . . Gabriela Moscoso Graphic Design & photographY . . . . . . . Barry Stock, Grace Umlauf Web Designer . . . . . . . . . . . . . . . . . . . . . . . . . .Grace Umlauf

Visit us online: www.OurCityMiramar.com 1960 N Commerce Parkway, Suite 3, Weston, FL 33326

Ph: 954-306-1007 • Fax 954-306-1008 editormiramar@ourcitymedia.com • graphics@ourcitymedia.com Our City Media, Inc. publishes FREE monthly, local community news magazines covering Weston, Davie/ SW Ranches/Cooper City, Sunrise, Plantation, Pembroke Pines and Miramar. Total circulation is 20,000+ per edition or a total of 120,000+ copies per month. Our City Magazines are direct mailed monthly to affluent single-family homes, condos and businesses in their respective communities covering all of Southwest Broward County. Monthly mailings are verifiable by USPS statements available at www. OurCityMedia.com. Additional free copies are available at selected locations throughout their respective communities and upon request by contacting this news magazine. Opinions expressed by the writers are their own and do not necessarily reflect the opinions of the publisher. Our City Media, Inc. reserves the right to edit and/or reject any editorial or advertising content. Our City Media, Inc. 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 2014 by Our City Media, Inc. Reproduction in whole or in part is forbidden in any media without prior written permission from the publisher.

health & wellness 18 Plantar Fasciitis/Heel Pain

Legally Speaking

22 Estate Planning: It’s More Than Just a Will 28 Three Reasons Why You Should Hire a Law Firm to Negotiate a Successful Short Sale

ask the Sheriff

23 Protecting Yourself from Economic Crimes and Scams

eye care

24 What is Color Blindness?

16 Ask the expert

26 ACL Reconstructive Surgery

MESSAGE FROM THE MAYOR 30 Why I’m Thankful Every Day

calendar 8

November 2014

Community News

10 Colorful Costumes Delight the Crowd at Annual Caribbean Pageant 12 Local Theater Company Launches New Play at Miramar Cultural Center 16 Hispanic Heritage Month Celebrations Were a Great Success in the City of Miramar

feature story

14 Cooper City’s Allstate Is a One-Stop-Shop for All of Your Insurance Needs

November 2014 | Our City Miramar

Photo of the month 32 The World’s Favorite Newspaper™

pet of the month 34 “Buddy”

business spotlight

36 Nexus Shooting Has a State-of-the-Art Gun Store and Shooting Range 37 Tires On Site Is Revolutionizing the Tire Purchasing Experience

seen on scene 38 Community Snapshots

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November 2014 | Our City Miramar

calendar November 2014 1 2 3 4 5 6 7 8 9 10

1st Edit Headline Health Fair and Family Fun Day – To edit author increase and promote the importance of living healthier and active lifestyles, Commissioner Wayne Messam along with Memorial Hospital Miramar and Sanofi Pharmaceuticals will host the 2nd Annual Free Health Fair and Family Fun Day from 10:00 a.m. – 2:00 p.m. at the Miramar Cultural Center located at 2400 Civic Center Place. Attendees can expect to have medical screenings including blood pressure and bone density checks, BMI analysis and much more. There will be music, fitness demonstrations, organic food vendors and back by popular demand, the “Kids Corner” with rock climbing, face painting and more.

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p.m. – 7:00 p.m. Miramar Library, 2050 Civic Center Place, Miramar

20 21 22 23 24 25 26 27 28 29 30

Family 3K Run/Walk – The City of Miramar invites everyone to come together and take part in a Family 3K Run/Walk led by Commissioner Wayne M. Messam, starting at 8:00 a.m. Partnering with Baptist Health South Florida, Black Girls RUN! and the Zeta Rho Omega Chapter of Alpha Kappa Alpha Sorority, Incorporated, the event is geared toward encouraging families to work out together. The run/walk will take place at Miramar Town Center, located at Red Road, north of Miramar Parkway. Registration is at 7:00 a.m.; warm up begins at 7:45 a.m. and the run begins at 8:00 a.m. For those who want to go a step further, there will also be a boot camp at 8:45 a.m.

3rd Mediation for Peace and Illumination – Cleanse your aura in this one hour meditation session. Registration is not necessary, but seating is first come, first served. 6:00

Reservation Ticket at the Reference Desk prior to the start of class. 10:30 a.m. – 12:30 p.m. Miramar Library, 2050 Civic Center Place, Miramar.

Ongoing Tween Wii – Gaming fun! Ages 8-12, Wednesdays, 5:00 p.m. – 5:30 p.m. Miramar Library, 2050 Civic Center Place, Miramar.

7th Meet The Author – Zane, best-selling author whose film Addicted is now in theaters, will head A Conversation with...Zane at the Miramar Cultural Center, 7:30 p.m. Partial proceeds from the event will benefit the breast cancer awareness organization Save the Twinz. The well-known author will read from her latest book, do a Q & A with the audience and tell the story behind the hit film. Patrons can purchase VIP tickets for $45 and attend a reception from 6:30 – 7:30 p.m., followed by the reading and Q&A, concluding with a Meet & Greet. General admission tickets are also available for $25 for the reading and Q&A only. Books will also be available for purchase. For more information, call 954-602-4500 or visit www.miramarculturalcenter.org

“Digi Know?’ – Digital Resources at Broward County Library! – Learn how to access eBooks, Magazines, Music, On-line Classes, Language Instruction and more! 10:30 a.m. – 11:30 a.m. Miramar Library, 2050 Civic Center Place, Miramar.

13th Friends of the Miramar Library Book Club – This month’s book: At Night We Walk in Circles by Daniel Alarcon. 1:30 p.m. – 3:00 p.m. Call the library to order a copy of the book. 954-357-8090 X8180.

18 19

meeting writing goals. A meet-andgreet with book selling/autographing session will follow. Sponsored by the Friends of the Miramar Library. 2:00 p.m. – 4:30 p.m. Miramar Library, 2050 Civic Center Place, Miramar.

Friends of the Miramar Library Membership Meeting – Meeting to discuss library events and advocacy. Broward County Director of Libraries, Skye Patrick, will be addressing the Friends of the Miramar Library. Open to the Public. 3:30 p.m. – 5:00 p.m. Miramar Library, 2050 Civic Center Place, Miramar.

15th 8th “Author’s Forum” – In Celebration of National Novel Writing Month, “Author’s Forum” is for those who love to write or just love to read. Local authors, including Vincent Sachar from Miramar, will share their writing methods and offer tips and advice for

November 2014 | Our City Miramar

Try Your Hand at iPad! – In this course you will learn the basic tricks and techniques for using your IPad including: physical layout of buttons and features, navigating screens and apps, connecting to the Internet, overview of included apps, downloading apps from the Apple Store and the settings you need to know. Please bring your own iPad fully charged. Seating is limited. No Pre-Registration. Pick up a Seat

Mother Goose Story Time – Stories, songs and crafts, with caregiver, ages 2-4, Wednesdays 11:00 a.m. – 11:30 a.m. Registration required: 954-357-8095. Miramar Library, 2050 Civic Center Place, Miramar Co-ed Flag Football – The City of Miramar is offering a non-contact flag football program which will provide youths from ages 4-12 the opportunity to be exposed to the fundamentals of football in a competitive and safe environment. The program will also boost each participant’s ability, make them aware of proper techniques, and guide them to understanding the concepts of playing football in a non-contact way while allowing the participants to be socially and physically engaged in a healthy setting. Vizcaya Park, 14200 SW 55th Street, Miramar, Age Divisions: 4-5; 9:00 a.m., 6-8; 11;00 a.m., 9-12; 1:00 p.m. Registration includes jersey and necessary equipment. $60 Miramar Residents, $70 non-residents, Coaches and volunteers are always needed and welcomed. For more information call Gerald Rasool at 954-6-2-4990 or Email: Garasool@ci.miramar.fl.us. Teen Club – Come hang out with other teens and plan cool activities for the library. Join and earn volunteer hours. All teens welcome to join! 2:00 p.m. – 3:00 p.m. on Saturdays, Nov. 1st, 15th and 29th. Miramar Library, 2050 Civic Center Place, Miramar. Reading Buddies – Practice reading with a teen volunteer! Ages 5-10. First and third Mondays of each month, November 3 and November 17, 5:00 p.m. – 5:30 p.m. Miramar Library, 2050 Civic Center Place, Miramar

Cooper City (954) 252-2821 Coral Springs (954) 757-2821 Ft. Lauderdale (954) 567-5686 Hialeah (305) 825-7552 Miami Lakes (305) 558-7252 Miramar West (954) 437-5077 Miramar East (954) 436-5535 Pembroke Pines (954) 447-5044 Plantation (954) 424-2337 West Palm Beach (561) 967-6698 Weston (954) 888-9188

Community News

Colorful Costumes Delight the Crowd at Annual Caribbean Pageant BY JILL SHARPE

ne did not need to travel to R io de

Janeiro to experience Carnival as the Miss Miami Broward Carnival Pageant brought the festivities to Miramar. On September 27th, Parrys Sommers was crowned Miss Miami Broward Carnival Queen in front of an energetic crowd at the Miramar Cultural Center. “Miramar always celebrates its cultural heritage,” said Miramar Mayor Lori Moseley. “The pageant is a great thing to do, and I enjoy the costumes. They’re so beautiful and so vibrant.” This was the ninth annual pageant, and the organizers from Caribbean Pageantry Inc. added a popular new wrinkle this year: a Little Miss competition for girls between the ages of seven and twelve. Imani Felix-Garvin won the inaugural Little Miss Miami Broward Carnival Pageant, as well as the People’s Choice and Desi Worrell “Spirit of Carnival” awards. Maneesha Puca was the Little Miss first runner up and Little Miss Photogenic, while T’Naya Albury was named Little Miss second runner up. For the eighteen to twenty-five year-old women competing for college scholarships in the pageant, Parrys Sommers also won the Desi Worrell “Spirit of Carnival” and Best Evening Wear awards. Sharifa Browne was first runner up, Miss Photogenic, and the People’s Choice. Kathisha Byanille was named sec-

ond runner up, and Ava Wilson was Miss Congeniality. their breath and talk about the costumes before the The purpose of the pageant is to showcase evening wear competition led off the second half of Caribbean culture while providing a platform for girls the pageant. The contestants then took part in a quesand young women to display their talents, intellects, tion and answer segment before the awards were and elegance. DJ Maestro provided the music as the handed out with Sommers, a psychology student at crowd cheered on the five women vying for the Miss Florida Atlantic University, taking the top honors. Miami Broward crown and the four Little Miss conThe unenviable task of determining the winners testants. “King of Caribbean Media” Mike Andrews amongst the contestants fell to the five judges: fashion served as the master of ceremonies for the pageant, designer Kurt Franklin, television host Lisa Lee, and was also honored with the Selman Lewis Cultural retired educator Jerry Alleyne Nagee, WZAB radio Award for his contributions to the community. announcer Cleve Osborne, and Shelby Rushin, Music “Here in South Florida, the influx of Caribbean Director at 99 JAMZ radio. The auditors from L & L people have built this area into what it is today,” said Professional Center certified the pageant results. Andrews. “The pageant gives residents of South Florida a After the contestants were introduced, the talent chance to see a whole other aspect of our culture,” competition began. The girls in the Little Miss age said Robert Goltz, President/CEO of the Miramar group dazzled the crowd with their dancing, recital of Pembroke Pines Regional Chamber of Commerce. a song from the Disney movie “Mulan”, and playing “We embrace island culture, and the pure entertainof the violin. The next group of contestants displayed ment and history of what Carnival is.” a wide range of skills, from acting out a dramatic monologue to singing to playing the steel drum. Many It is not too early to mark your calendars for the Tenth Annual Miss people in the crowd eagerly awaited the next phase Miami Broward Carnival Pageant on Saturday, September 26, 2015. of the pageant: the costume competition. The contesUpdates on the pageant can be found on their Facebook page at tants clearly put a lot of time and effort into making https://www.facebook.com/missmiami.browardcarnival. their costumes into an eye-catching rainbow of colors, complete with feathers and sequins. An intermission allowed the attendees to catch

November 2014 | Our City Miramar

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COMMUNITY NEWS

Local Theater Company Launches New Play at Miramar Cultural Center BY JILL SHARPE

ct 2 Stage Productions , a local theater company who pres -

ents dynamic, life-changing, wholesome messages, is getting ready to hit the stage once again with their newest production called “Suddenly,” set to premiere at the Miramar Cultural Center on December 5th. Andre Sartin, a resident of Miramar and the theater companies Founder and Executive Director, said this production centers around the life of a young man that is sent home from the military because of a debilitating illness that has taken over his body. Coming home to an uncertain future at times becomes overwhelming to him and his young family. This drama/musical full of singing, strong acting and zany characters demonstrates how we walk out our faith even when life looks dim. Sartin, who is also the playwright, said the inspiration for this production was his pastor who also experienced a rough ride in the military but came home and not only survived but thrived and went on to accomplish great things. “I also drew from the feelings I experienced in my own family growing up in Chicago with a father who was ill but never really recovered like this guy did,” Sartin said. Act 2 Productions consistently looks to deliver creative, spiritual messages through its works. Sartin has written and directed 26 plays through his career and he does it all after he finishes a full day of work at another job. “This is my passion,” said Sartin. “When I am working on a play in the evening I feel like I’m just starting my day as the work gives me so much energy. I also strongly believe in the concept of pursuing the American Dream and I like to show my audiences that anything in life is possible.” Following the premiere in Miramar, “Suddenly” will be staged in Chicago in May and in Atlanta in July. To purchase tickets for the show in Miramar log on to www.miramarculturalcenter.org and click on box office. The theater is located at the Miramar Cultural Center Arts Complex, 2400 Civic Center Place in Miramar. To learn more about Act 2 Stage production, visit www.act2productions.net.

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our city miramar · feature story

Cooper City’s Allstate Is a One-Stop-Shop for All of Your Insurance Needs By Debby Teich

needs and a financial services professional? Yes. I have earned profes-

hen buying insurance , you

need just the right mix of price and protection. Lisa Faina’s awardwinning Allstate Insurance Agency in Cooper City is a one-stop-shop for all of your insurance needs. The agency recognizes that their customer’s needs are always growing and changing. They help families become better protected from life’s uncertainties and better prepared for the future. With just one phone call, they can help customers protect all of their valuables.

sional designations for my dedication to helping customers plan for their insurance and financial needs and retirement savings goals. I am a Certified Insurance Counselor (CIC) and Life Underwriter Training Council Fellow (LUTCF), as well as a member of the prestigious Million Dollar Round Table and Florida Century Club.

How do you give back to the community? It is very important to me to

How long has your agency been in business? We have been serving customers for more than 24 years.

What is the secret to your success?

As trusted advisors for insurance and financial solutions, we have stayed in business for so long by building long term relationships with customers and providing outstanding customer service. We get to know our customers, so we can understand the best way to help them and their families to be better protected from life’s uncertainties and become better prepared for the future.

make informed decisions about their protection needs, to help them to be better protected for current and future needs, as well as unforeseen events. We also help them prepare the right strategy to achieve their financial goals. To help determine some of these things, we do an extensive Needs Analysis at no charge.

Who are your customers? We have products

needs are always growing and changing. We help guide them, whether they are starting a family, saving for their children’s education, changing jobs, planning for retirement or expanding a business. We help protect the things that are important to them.

for both consumers and businesses.

How do most of your customers find out about your agency? Most new customers are referred to the agency by existing ones.

What insurance products do you offer? We

offer a variety of competitively priced insurance products, including: Auto, Motorcycle, Homeowners, Condominium, Renters, Business Auto, Business Liability, Boat, Flood, RV, Personal Umbrella Policy, and more.

What type of financial services do you provide? We offer a very broad spectrum of

Financial Services, such as Annuities, IRA’s, 401K Rollovers, and Mutual Funds. We also offer various Life Insurance products to fit your needs, such as Term Life, Universal Life, Whole Life and Variable Life.

Why is it important to have life insurance?

It is important to have life insurance in order to protect your loved ones. At a devastating time of loss, you need protection for ongoing daily expenses, as well as for paying off larger debts, such as a mortgage, college and other large expense items. An Income Replacement Plan can help alleviate some of the worry of paying your bills during a difficult time.

How do you help your customers select the product that can help to fit their needs? All

of the agency’s fully licensed representatives are knowledgeable and ready to serve as a trusted advisor for auto, home, life and other financial solutions. We are trained to help customers

give back to the community that supports me. I am a volunteer for Women In Distress, a Boy Scouts of America leader for my two sons, as well as a 5th Degree Tae Kwon Do Master Instructor. I am also a member of a variety of civic organizations including: Chamber of Commerce, National Association of Life Underwriters, Professional Insurance Agents, Society of Certified Insurance Counselors, National Association of Insurance Women, Daughters of the American Revolution, and more. I am also an Ambassador for the Allstate Giving Campaign.

The team at Cooper City Allstate helps families become better protected from life’s uncertainties and better prepared for the future.

How do you help customers as their needs change? We recognize that our customer’s

How often do you review your customers’ policies? We recommend a policy review

a minimum of every six months to determine if additional discounts are available or to make changes if life changing events have occurred.

How do you help customers with retirement planning? We offer retirement seminars

for customers who have retired and are about to retire to help guide them through the process. We help them choose the right plan, depending on how they want to live their retirement years.

How do you help customers who are moving or changing jobs? Most customers who

have moved and/or changed jobs need guidance on rolling over their 401k and reviewing their benefits options. We also assist customers with their homeowners insurance, mortgage protection insurance, and any other insurance needs.

How do the recent flood map revisions impact customers? On August 18, FEMA

revised the flood zone map. As a result, many of our customers are now in non-flood zones and are entitled to refunds or reductions in insurance costs. Customers should call the office to see if they can save money.

Have you been recognized for your dedication as a trusted advisor on insurance

November 2014 | Our City Miramar

What is the Purple Purse Challenge? The Allstate Foundation is raising public awareness about domestic violence and financial abuse, so more survivors can break free and take steps toward financial freedom. The Foundation’s Purple Purse makes it easier for people to recognize the signs of financial abuse, talk about it and stop it. It helps victims gain control of their purse strings and their lives. Through December 20, our agency will be collecting new or gentlyused donations for Women in Distress. We want to help families dealing with domestic violence by providing them with both comfort and the everyday essentials they need to build their new violence-free lives. Donations can be dropped off at our office. How do you help in the effort to prevent texting while driving? We care about our

customers and do whatever we can to help keep them safe. Texting while driving is one of the most dangerous distractions facing today’s teens. It increases their risk of crashing by 23 times. On October 1, 2013, a new law went into effect that makes it illegal to text and drive. I encourage all students to take the “X the TXT” pledge, which is part of an Allstate campaign to end texting while driving and encourage people across the country to focus on the road. The Allstate Insurance Agency is located at 2643 N. Hiatus Rd., in the Embassy Lakes Shopping Center. For insurance advice or information, call 954-437-9220 or 800-963-9220, send an email to lisafaina@allstate.com, visit www.allstateagencies.com/LisaFaina, became a fan of Lisa Faina Allstate Agency on Facebook, or contact Lisa on Linkedin.

Happy Thanksgiving from Our Family to Yours Home • Car • Life

Lisa Faina Allstate Insurance Agent (954) 437-9220 2643 N. Hiatus Road Cooper City, FL 33026

COMMUNITY NEWS

Hispanic Heritage Month Celebrations Were a Great Success in the City of Miramar BY JILL SHARPE

he City of Miramar celebrated Hispanic Culture in style with

events that brought people of all nationalities together to enjoy Hispanic Heritage Month. On Saturday, October 4, 2014, El Canario, Tito Puente, Jr. and Grupo Rush all hit the stage at Miramar Regional Park to perform for the approximately 2,500 people who attended the Latin Music Festival hosted by Vice Mayor Yvette Colbourne. “Miramar’s investment in Arts and Culture is a worthy investment that helps to promote tolerance and cultural awareness in our diverse city”, said Vice Mayor Colbourne. Attendees danced and delighted in the wonderful family atmosphere presented for this notable annual event. Even when showers began later in the evening, the crowd continued to enjoy the festivities while dancing in the rain.

November 2014 | Our City Miramar

The recognition of Hispanic Culture continued on Monday, October 6, 2014 at the Miramar Cultural Center as a reception was held for ArtViva!, an art exhibition of works created by artists of Hispanic descent. Celebrated artists Carlos Cesar Alves, Karla Caprali, Didi Marchi of Brazil, Emilio Aponte-Sierra and Ana Maria Hoyos of Colombia, Julio Green of Honduras, Anabel Rub Peicher of Peru and Patricia Saidon of Argentina represented their respective countries with a vibrant collection of pieces ranging from paintings to photos to textiles and 3-D works of art. The exhibition, a collaboration between the Cultural Center and ArtServe, is the first of three exhibitions planned over the 2014-15 season. For more information contact the Cultural Center at (954) 602-4500.

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Our City Miramar | November 2014

health & wellness

Plantar Fasciitis/Heel Pain By Neal M. Bullock, DPM, PA

lantar fasciitis is an inflammation of the

long band of connective tissue running from the heel to the ball of the foot. Heel spur syndrome is a bony overgrowth on the heel bone. Plantar fasciitis and heel spur syndrome affect women more than men. They can cause the bottom of the heel and arch to become painful.

Statistics

▸▸ ▸▸ ▸▸ ▸▸ ▸▸

▸▸ Plantar fasciitis and heel spur syndrome are the most common causes of plantar heel pain. 73% of patients with heel pain are diagnosed with either plantar fasciitis or heel spur syndrome. 15% of patients who see a podiatrist complain of heel pain. 90% of those who suffer from plantar fasciitis or heel spur syndrome respond to non-surgical care. 83.5% of the patients with plantar fasciitis or heel spur syndrome pain with first steps in the morning. Plantar fasciitis can occur with or without a heel spur present.

Causes

▸▸ Stretching to the long band of tissue that connects the heel and the ball of the foot ▸▸ Muscle imbalance ▸▸ Bone deformity ▸▸ Obesity ▸▸ Trauma ▸▸ Tightness of the muscles on the back of the leg

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Perform a physical examination. Perform x-ray evaluation. Recommend taping. Prescribe orthotic devices. Prescribe appropriate medication. Administer injections. Perform surgery if necessary.

Dr. Neal M. Bullock’s office is located at 17013 Pines Boulevard, in Pembroke Pines. For information, call 954 450-4200. MINIMUM 21 YEARS OF AGE TO PLAY SLOTS AND 18 YEARS OF AGE FOR POKER & PARI-MUTUEL WAGERING. MANAGEMENT RESERVES THE RIGHT TO CANCEL OR ALTER THIS PROMOTION AT ANYTIME. THE STATE OF FLORIDA ASSUMES NO LIABILITY FOR THIS PROMOTION (ACCORDING TO RULE 61D-14.084). GAMBLING PROBLEM?...CALL 1-888-ADMIT-IT.

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Legally Speaking

Estate Planning: It’s More Than Just a Will BY Bruce iden

Are You Ready? Do you have a thoughtful and comprehensive estate plan which includes: • Caring for you and your loved ones in case of disability or death? • Protecting loved ones from creditors and predators after you are gone? • Providing parents with access to college kids’ health status and medical decision making in emergencies? • Ensuring your babysitter knows what to do if you don’t return when expected?

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November 2014 | Our City Miramar

ew clients often believe that they do not

need a trust because their estates are small. Yet, nowadays, trusts are not only for the rich and famous. Why? Because it’s less about avoiding estate taxes and more about the protections that trusts can provide. I use the following scenarios to help clients understand why a trust is a very important element in nearly anyone’s estate plan: Meet our hypothetical family, George and Jenny, who have been happily married for 25 years with three children, Jessica, age 20, Josh age 15, and Jonathan, age 12. Both have a will. George’s will leaves everything to Jenny, and Jenny’s will leaves everything to George. After they are both gone, their wills leave everything to their children. Imagine George dies and all of his property transfers to Jenny. The following year, while rushing to an appointment on a rainy morning, Jenny loses control of her car and rear ends a school bus full of trial attorneys heading to the annual Ft. Lauderdale “I’ll See You in Court!” Convention. Several of the attorneys are injured and lawsuits follow. So now what happens to Jenny’s inheritance from George? It’s all gone to creditors. What is left to raise her children? Nothing. If George and Jenny had used a trust in their estate plan, the final outcome could have been different. While Jenny’s property would still be subject to creditor claims, her inheritance from George inside a trust could have been safe for her and their children. In our next scenario, Jenny dies and George later remarries Susan, a woman with four children from three previous marriages. When George passes, his property, including what he inherited from Jenny, could go to Susan and eventually be inherited by Susan’s children. Jessica, Josh and Jonathan might be completely disinherited! With a properly drawn trust, George and Jenny can rest assured that even if the surviving spouse remarries, when they are both gone, their money will go to their children. Now envision George and Jenny enjoying retirement and their grandchildren, but not liking Jessica’s husband, Robert. Jenny fears that their son-in-law will never earn a decent living and will depend on their daughter Jessica to support him for the rest of his life. George also worries that, if they leave a substantial inheritance to Jessica and she ultimately divorces Robert, a substantial portion of Jessica’s inheritance could be lost to Robert. If George and Jenny leave the inheritances to their children via a trust, these assets will not be commingled with their children’s marital property, and will not be the subject of division and distribution in the event of a divorce. These examples illustrate several ways trusts can protect assets from creditors and predators. Whether your family is like George and Jenny’s, a blended family, or has a completely different make up, you should discuss your needs and concerns with a qualified and experienced estate planning attorney to see how a trust can protect your loved ones and their inheritances long after you are gone. Bruce Iden earned his J.D. from George Washington University National Law Center and his L.L.M in taxation from the University of Miami School of Law. He has been practicing in the areas of estate planning and probate and trust administration for over 30 years. For more information, or to schedule a complimentary estate planning consultation with Mr. Iden, please contact Iden Law Offices at (954) 885-0085.

ask the Sheriff

Protecting Yourself from Economic Crimes and Scams By Sheriff Scott J. Israel

o one can ever be completely safe from a

scam or identity theft – not even the sheriff of Broward County. Earlier this year, I received two checks in the mail from a company purporting that they owed me money from a past transaction. But there was a catch: the company explained the checks were written to me in error for more than the amount owed to me. All I needed to do was deposit the checks and wire the company the difference. I knew right away that something was wrong. I directed BSO detectives to investigate, and they instantly recognized the two checks were worthless. If criminals try to scam the sheriff, they will certainly try to do it to you! The most effective economic crime, however, is one in which criminals steal your identity. This is a growing problem affecting millions of Americans every year. Using advances in technology, criminals can obtain and use your personal information easier than ever for their own illegal intent. Your identity can be stolen in a variety of ways: from your trash, over the phone or online (including from the computer records of stores in which you have shopped at in person). BSO is helping in the fight against identity theft. We provide residents a convenient, safe way to dispose of personal documents, check stubs, credit card offers, receipts and other items that might contain sensitive data through our free, monthly Shred-AThon events throughout Broward County. For a list of upcoming dates and times in your city, please visit www.sheriff.org. BSO, in collaboration with the Florida Department of Financial Services, also works to protect our seniors from economic fraud and scams. Operation SAFE (Stop Adult Financial Exploitation) provides free workshops for seniors, their caregivers and families to empower themselves against scammers. To schedule an Operation SAFE workshop in your community, contact our Economic Crimes Unit at 954-321-4200. Remember, you are the best line of defense in protecting yourself against identity theft and scammers. Best of all, it is easy to do. Do not leave financial bills or letters with sensitive information in your mailbox or in your vehicle. Never to carry your Social Security card in your purse or your wallet. Carry only the ID and credit cards you need. Leave the others locked in a secure place. Do not give credit card or Social Security numbers over the telephone to strangers who may call you. These individuals may pose as a bank, charity, the IRS, the police or even a friend or family member. Use more complex passwords on all online credit card, bank and phone accounts, and use different passwords on different accounts. Never use identifying information, such as your mother’s maiden name, the last four digits of your Social Security number or your birthto Go $14.95 A portion date as passwords. If someone has stolen or is using credit cards or checks that belong to you, immediately notify the financial institution which issued them. If you feel like you have been targeted or were victim to a scam, file an immediate police report with your closest law enforcement agency, and place a fraud alert by calling one of the three national credit reporting companies (Equifax, Experian and TransUnion) that keep records of your credit history. Finally, obtain a free copy of your annual credit report (www.annualcreditreport.com) to ensure there are no unauthorized accounts associated with you. As sheriff, I am committed to stopping these criminals. With your help, by being proactive and aware, together we can even stop scams before they happen. For information, visit www.sheriff.org.

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November 2014 | Our City Miramar

What is Color Blindness? By Michael Chesen, OD

olor blindness is a disorder affecting the

capability to see colors under typical light or to discern colors as they are normally seen. Generally, the condition is present at birth, but it can also result from old age or a number of diseases of the eye. The discernment of color depends on cones located in the eye. People are usually born with three kinds of pigmented cones, each of which perceives various wavelengths of color. When it comes to pigment, the size of the wave is directly linked to the perceived color tone. Short waves produce blue tones, middle-sized waves are perceived as green tones and longer waves are seen as reds. Which type of cone is affected impacts the spectrum and severity of the color blindness. Because it is a gender-linked recessive trait, green-red color deficiency is more frequent in men than in females. Still, there are a small number of females who do experience some degree of color blindness, particularly yellow-blue deficiencies.

Color vision deficiencies are not a debilitating condition, but it can impair educational progress and work performance. Not having the ability to distinguish colors as friends do can quickly and negatively impact a student’s confidence. For working people, color blindness could become a disadvantage when competing against peers trying to advance in a similar industry. There are several examinations for color blindness. The most common is the Ishihara color test, named after its inventor. For this test a patient views a plate with a circle of dots in various sizes and colors. Within the circle appears a digit in a particular tint. The patient’s ability to see the number inside the dots of contrasting colors indicates the level of red-green color sight. Even though inherited color vision deficiencies can’t be treated, there are some steps that might improve the situation. Some evidence shows that wearing tinted contacts or anti-glare glasses can help people to see the distinction between colors. More and more, computer applications are becoming available for regular personal computers and even for smaller machines that can assist users to distinguish color better depending upon their specific diagnosis. There are also exciting experiments being conducted in gene therapy to correct the ability to distinguish colors. How much color vision problems limit a person is dependent upon the type and severity of the condition. Some individuals can adapt to their condition by familiarizing themselves with alternate cues for colored objects or signs. For example, many individuals are capable of learning the shapes of traffic signs (rather than recognizing red) or contrasting items with paradigms like a blue body of water or green trees. If you notice signs that you or a child might be color blind, it is recommended to see an optometrist. The sooner you are aware of a problem, the sooner you can help. To book an eye exam for your child, contact Dr. Michael Chesen at 954-437-9733. Pearle Vision is located at 2909 Dykes Rd., in the Fountains of Miramar Shopping Plaza.

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here are many views regarding indications for

ACL Reconstructive Surgery such as age, activity/demand level and degree of instability. Most individuals, especially moderate to high demand athletes, regardless of age, who have a complete tear of their anterior cruciate ligament, as well as clinical and functional evidence of instability, are candidates for ACL Reconstructive Surgery. When considering the pediatric or adolescent population, there has been extensive debate in the literature over the last ten years. Initially, treatment was consistent with bracing, rehabilitation and activity modifications (cessation of sports); however, due to the noncompliance of this patient population and their persistent knee instability with daily activities, these patients will often have further injury to the chondral and/or meniscal surfaces, resulting in degeneration and functional impairment. Non-surgical treatment in this patient population is not advised. When considering ACL Reconstructive Surgery in pediatric and adolescent patients, age and amount of growth remaining becomes vital, as this may tailor the technique used to reconstruct the child’s knee. The major consideration is the potential risk of injury to the growth plate/physis resulting in growth disturbance before skeletal maturity. One surgical option is a physeal (growth plate) sparing procedure, which is an allsoft tissue technique considered in the younger athletes because of their amount of growth remaining. This procedure is often non-anatomic but does improve functional stability and completely avoids the growth plates. Another physeal sparing technique in this age group describes the use of drilling superficial bone tunnels within the epiphysis. With the use of fluoroscopic guidance during arthroscopy, this technique secures the graft in a relative anatomic position, but still avoids the growth plates. In a slightly older child, since most of the growth comes from the femur, one may consider a partial transphyseal approach. In this procedure, the graft is brought through a transtibial (physeal) tunnel and is fixed to the femur in a near anatomic position avoiding the physis. A surgeon will often use an all-soft-tissue graft and fix the graft away from the femoral and tibial growth plates, thus, avoiding growth disturbances. Transphyseal anatomic ACL Reconstructions is considered in adolescents and adults, as well as those children who have minimal growth left. This allows for anatomic graft placement by creating tunnels at the native origin and insertion sites of the original ACL. With this arthroscopic technique the surgeon drills through the growth plates and depending upon the age of the patient, one may consider soft tissue (hamstring) graft or bone patella tendon bone graft to reconstruct the ACL. The type of tissue used and fixation technique will depend upon the patient’s skeletal maturity and growth remaining. My gold standard for skeletally mature teenage athletes and young adults is bone patella tendon bone autograft with intraphyseal fixation. When there is a contraindication to using intraosseous fixation I will use hamstring autograft and fix the graft away from the growth plates. These two techniques provide excellent stability with no growth disturbance. I would advise against the use of cadaveric (allograft) tissue in this younger population as there is a higher incidence of graft failure with return to high demand sports. There are few indications where non-surgical treatment is advised. First is in the low demand sedentary individual who doesn’t describe functional instability in their day-to-day activities. Next is the young athlete who sustains a partial injury to the ACL but still presents with good clinical stability. In these patients I closely monitor and follow their progress and often advise for the use of a custom de-rotational brace when returning to their sport. The last patient is that patient who is unable, for medical reasons, to pursue surgery because of the potential inherent risks of anesthesia. For these patients I will often advise a physical therapy program, bracing and activity modifications. Alfred A. DeSimone, MD, is a Board Certified Orthopedic Surgeon, Fellowship Trained in Sports Medicine. He Specializes in Complex Knee Ligament and Shoulder Reconstructive Surgery. He practices at the South Florida Institute of Sports Medicine at 1600 Town Center Blvd., Suite C, Weston. To schedule an appointment, please call (954) 389-9178. For more information visit www.draldesimone.com or email info@draldesimone.com.

November 2014 | Our City Miramar

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Legally Speaking

Three Reasons Why You Should Hire a Law Firm to Negotiate a Successful Short Sale By Omar J. Arcia Foreclosure Defense and Consumer Bankruptcy Attorney

ecently our law firm has been retained by numerous clients

who are being sued by their former lender after completing a short sale of their homes. They received what is called a deficiency judgment action. In other words, the lender (or some third party that purchased the debt) sued the homeowner for the difference between the amount owed under the loan and the amount of the short sale.

In every one of these cases, the homeowner was not represented by an attorney during the short sale process, but instead, chose to handle it themselves, or to allow a realtor to manage the entire process. Most realtors, however, are solely interested in “closing the deal” and receiving their commission, not in the most complete and favorable outcome for the seller/homeowner. Even though a realtor must be involved in listing the property and securing a purchaser, here are at least three reasons why you should hire a law firm to negotiate a successful short sale. ▸▸ Avoid the dreaded deficiency judgment. The principal reason to hire a law firm to handle a short sale is to avoid any deficiency judgment action by your lender after the short sale is completed. A qualified law firm, like the Arcia Law Firm, regularly negotiates “deficiency waivers” with lenders, and demands that the proper language and releases be included in the short sale approval letter in order to ensure that our clients do not have to contend with the costly defense of a deficiency action, collection hassles or have to file bankruptcy in the future. ▸▸ Lenders negotiate differently with a law firm. It is no secret that lenders behave differently when a law firm is involved in the short sale negotiation than when dealing with a realtor. An attorney understands the law and its implications for his/her client, and will not accept as true any unwritten promises by the lender’s short sale negotiator. The end result of a short sale negotiation using a law firm is that the terms of the deal are clearly outlined with no room for the lender to later change the terms. ▸▸ Quickly identify and clear title defects. The short sale process may be stalled or blocked altogether if issues arise with title defects on the property being sold. The Arcia Law Firm can quickly identify any title issues delaying a short sale, order a lien search, and clear any title defects in order to complete most short sales. Our law firm also closely supervises the actual closing in order to ensure that our clients’ rights are fully protected from start to finish during the short sale process. The Arcia Law Firm is privileged to represent dozens of satisfied clients in our community for whom we have successfully short sales. More detailed explanations of different options available to homeowners, including short sale information, are discussed in an instructional DVD developed by the Arcia Law Firm entitled “Fight For Your Home.” If you mention that you heard about the DVD through this magazine you will receive a FREE copy during your visit to discuss your case in detail with a member of our legal team. You may contact the Arcia Law Firm at 954-437-9066 to schedule your free personal consultation with Omar Arcia to discuss your case. You may also visit www.arcialawfirm.com for more information about the Firm, our staff and credentials, detailed articles, informative videos, and to make your appointment online.

November 2014 | Our City Miramar

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11378 MiraMar pkwy., MiraMar, fl 33025 Mon-fri 7aM - 7pM; sat 8aM - 5pM

$ave-On

take

5 off

ON A $50 ORDER. EXCLUDES ALTERATiONS. CANNOT BE COMBiNED WiTH OTHER OFFERS Exp. 11/30/14

dry cleaning • area rugs alterations • wedding gowns

leather & suedes all work done on preMises!

$ave-On

take

ON A $100 ORDER. EXCLUDES ALTERATiONS. CANNOT BE COMBiNED WiTH OTHER OFFERS Exp. 11/30/14

EXCLUDES ALTERATiONS. CANNOT BE COMBiNED WiTH OTHER OFFERS Exp. 11/30/14

15 off

Designer Sports Memorabilia

Coupons exclusively for MiraMar loCation

new customers

Johan Pabon

• We frame it all (wedding portraits, posters, custom cut mirrors, paints, lithographs, sports collectibles, shadow boxes and much more) • We also do custom bathroom vanity mirrors

from

954 432 6404

Designer 12 years experience

Hours: Mon-Fri 10am-6:30pm Sat 10am-5pm · Gift Certificates Available

Happy Tanksgiving MiraMar

Bernardo Angel

25% off

$ave-On

CoMforters

15 LAUNDERED 1999 DRY CLEANED $

EXCEPT DOWN. w/coupon only • CANNOT BE COMBiNED WiTH OTHER OFFERS Exp. 11/30/14

Our City Miramar | November 2014

MESSAGE FROM THE MAYOR

Why I’m Thankful Every Day Lori C. Moseley, Mayor

s it me or is time getting away from us? It seems

like yesterday we were getting ready to celebrate the 2013 Holiday season. I absolutely love this time of year. I get to spend time with my family while sharing stories and breaking bread. What I look forward to most however is reflecting on the year’s experiences. Learning with every challenge presented and discovering more about myself through it all! Being grateful shouldn’t be expressed during a holiday season or when things are going well. We should be thankful for the obstacles that define our will, character and drive us to persevere. As I reflect back on the year thus far I am grateful for the countless experiences and lessons learned. I am thankful for those that would test me and those that made me smile. Moreover, I’m simply thankful for each day I can wake up to learn all over again.

As the Mayor of the beautiful City of Miramar, I am thankful to have this platform where I’m able to share my life’s journey with you. So this holiday season, be happy, be merry but above all be thankful. Continue this throughout the year and may you all realize every dream and cultivate every experience! Yours Truly, Mayor Lori C. Moseley

Got News?

email editormiramar@ourcitymedia.com 30

November 2014 | Our City Miramar

media �ining �uide

media

WES

Now$10.00 OpenOFF Towards your check of $50 or more. Before Tax. One Coupon per table. Must Present Coupon. Holidays Not Included. Can’t be combined with any other offer. Exp. 11/30/14.

MONDAYS $6 - 14” Cheese Pizza 954 . 389 . 8871 | 954TUESDAYS . 389 . 3470 2219 N Commerce Pkwy | Weston, FL 33326 $1 off any Wing Order Comfort SuitesWEDNESDAYS Plaza $6 - 14” Cheese Pizza $2.00 DELIVERY PINES / MIRAMAR & SW RANCHES 954-433-4477

Valid until Dec. 5

MONDAYS 18381Pizza PINES BLVD $6 - 14” Cheese NEW! Zeppole Pembroke Pines, Fl 33029 TUESDAYS Italian MONDAYS $1 off any Wing Order WWW.COLEYSPIZZA.COM Style Donuts! $6 - 14” Cheese Pizza WEDNESDAYS TUESDAYS 18˝ Cheese $6 - 14” Cheese Pizza 18˝ Cheese Pizza, 12 Pizza w/12 $1 off any Wing Order $2.00 DELIVERY Wings &6 PEMBROKE PINES Wings Garlic Rolls When you spend $20 or more. WEDNESDAYS PINES / MIRAMAR 155 North Hiatus Rd $6 - 14” Cheese Pizza & SW RANCHES 954-433-4477 FL 33026 exp 11/30/14 exp 11/30/14 Pembroke Pines, exp 11/30/14 00 $2. DELIVERY 954-703-2884 18381 PINES BLVD NEW! PINES / MIRAMAR @COLEYSPIZZA FACEBOOK.COM/COLEYSPIZZA Zeppole Pembroke Pines, Fl 33029 & SW RANCHES 954-433-4477 Italian only $ WWW.COLEYSPIZZA.COM 18381 PINES BLVD Style Donuts! NEW! 6.90 Zeppole Pembroke Pines, Fl 33029 Pembroke PInes Location Only. Cannot be combined wirth any other offer. Must Present coupon. Italian 18˝ Cheese WWW.COLEYSPIZZA.COM 18˝ Cheese Style Pizza, 12 Donuts!

$3 OFF

Pickup or Delivery* • Coley’s Pizza – 954-433-4477

with coupon only, not valid with other offers or prior purchase

$17

$20

Pickup or Delivery* • Coley’s Pizza – 954-433-4477

with coupon only, not valid with other offers or prior purchase

Steak Churrasco

OFF $17 $3 OFF $17

Pickup or Delivery* • Coley’s Pizza – 954-433-4477

with coupon only, not valid with other offers or prior purchase

Chicken Breast Filet

$20 $20

$10 OFF

Towards your check of $50 or more.

Dinners Only, Mon-Thurs, Valid at Weston location only. Before Tax. One Coupon per table. Must Present Coupon. Holidays Not Included. Can’t be combined with any other offer. Exp. 11/30/14

1651 Bonaventure Blvd. · Weston, FL 33326

954.389.5188

The Palace Indian Cuisine

$10 OFF

Towards your check of $35 or more. One Coupon per table. Must Present Coupon. Can’t be combined with any other offer. Exp. 11/30/14

11422 SR 84 954.370.4750 Davie, FL 33325

Pizza w/12 Wings & 6 Wings Garlic Rolls 18˝ Cheese 18˝ CheesePickup or Delivery* • Coley’s Pizza – 954-433-4477 Pickup or Delivery* • Coley’s Pizza – 954-433-4477 Pizza – 954-433-4477 Pizza, 12 Pizza w/12 Wings & 6 exp 11/30/14 exp 11/30/14 30/14 Wings Garlic Rolls n you spend $20 or more. $20 or more.

ther offers or prior purchase

with coupon only, not valid with other offers or prior purchase

Delivery* • Coley’s Pizza – 954-433-4477

with coupon only, not valid with other offers or prior purchase

Pickup or Delivery* • Coley’s Pizza – 954-433-4477

$10 OFF

with coupon only, not valid with other offers or prior purchase with coupon only, not valid with other offers or prior purchase FACEBOOK.COM/COLEYSPIZZA @COLEYSPIZZA

only, not valid with other offers or prior purchase

exp 11/30/14

FACEBOOK.COM/COLEYSPIZZA

@COLEYSPIZZA

954.689.8118 • 954.689.8015 6417 Stirling Road | Davie, FL 33314

et Japanese Buff

954.538.9696 14838 Pines Blvd.

Your order of $50 or more. Cannot be stacked. Dine in only. Exp. 11/30/14

251 N. University Drive Pembroke Pines, FL 33024 954.987.1933

Monday, Tuesday & Wednesday only

$8.99

16” large Cheese Pizza

$5.00 OFF Your Order Over $30.00

(Additional toppings $2.00 each) Not valid with any other offer. One coupon per order. Mention this ad when ordering. Expires 11/30/14.

(Excluding Tax & Gratuity) Not valid with other offers. Exp. 11/30/14

954.385.3688

Indian Trace Shopping Plaza 1396 SW 160 Avenue, Suite 4, Weston

954-435-1062

10800 Pines Blvd. • Pembroke Pines www.FantasyPizzaAndSalad.com

3 Off

$ 00

WES

Dine-In Only | Minimum Order $35

954-389-7029

1 Coupon per table per visit. Not valid with any other offer and with magazine coupon only. Holidays excluded. Expires 11/30/14

1382 Weston Rd. Country Isles Plaza, Weston, FL 33326

T: 954 | 389-7029 F: 954 | 389-8955

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