The South Florida PALM: July

Crowdfunding Feature - Our Experience on Kickstarter.com - Entrepreneur Column: Funding the Dream - Business PROfile: Whitney Anderson JULY 2014 THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

1

FORT LAUDERDALE JOB FAIR

WHEN? Tuesday

WHERE?

July 29, 2014, 5 p.m.

HILTON PALM BEACH AIRPORT 150 Australian Ave West Palm Beach, FL 33406

WHY?

By attending an evening job fair, in a single night you can meet hundreds of new candidates who are qualified, while being mindful of your budget. With our numerous methods of advertising and candidate sourcing, we become your personal recruiter.

1) We TAILOR OUR ADVERTISING ACCORDING TO YOUR SPECIFIC NEEDS: Most companies in our industry can’t even be found on Monster and Career Builder. Our way consistently results in better quality candidates.

2) We HOST OUR FAIRS AT NIGHT: we leave no segment of candidates on the table, even employed candidates can attend.

3) We have consistently produced QUALITY REPS to companies for many years.

4) Our presentation format SAVES TIME AND EFFORT by assisting your managers at the fairs.

5) Executive leadership of Career Showcase attends EVERY event making sure it is executed perfectly.

6) Our clients will tell you that the INTEGRITY we bring to the table is second to none!

7) We have been a RECRUITING FIRM for over 20 years and have the skill and technology in place to produce results 8) NEW TO CAREER SHOWCASE: Your branches will have access to a “CURRENT” resume database after every job fair of both those candidates that could and could not attend the fair ... other vendors “recycle” old resumes for their databases.

9) Celebrating our 11 YEAR ANNIVERSARY AS OF JANUARY 2013, Career Showcase is a LONGTERM company and will continue to produce those “hard to find candidates” when others could not.

10) YOU GET WHAT YOU PAY FOR in this industry ... make sure you are investing in the success of your company.

For vendor information contact Steven Edwards at Office: (561) 288-6477 Cell: (404) 323-2403 Steve@CareerShowcase.com 2

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

VOLUME 1

CONTENTS

STAFF

ISSUE 5

J U LY 2 0 1 4

REAL Crowdfunding

6

PUBLISHER: Nitch Media LLC EXECUTIVE EDITOR: Marc Litt ADVISER: Michael Koretzky ART DIRECTOR: Carissa Giard PHOTOGRAPHY: Mariah Caffee, Joe Woolf Christine Klein Kevin Stacey CONTRIBUTORS: Monica Victor, Megan Tierney, Wesley Wright, Ray Russotto, Mitchel Litt, Sandra Alexandra, Matthew Stewart COPY EDITOR:

PAGE 6

By Monica Victor

Business PROfile: Whitney Anderson

9

Carissa Giard

COVER ILLUSTRATION: Brendon Lies

FOR ADVERTISING INFORMATION: Marc Litt (732) 991-6353 MLitt705@gmail.com

By Monica Victor

PAGE 4 Kickstart My Heart PAGE 11 START-up THINKING

By Megan Tierney

PAGE 15

PAGE 9

Fresh Fish: The New Marlins’ Lineup

19

Finance Column

By Matthew Stewart

PAGE 16 Happy Hour Listings PAGE 24

Boca Burger House Photo Gallery

By Mike Burdman

By Wesley Wright

PAGE 19

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

3

MYHEART

A look back at our 30 days on Kickstarter.com A PALM editorial

A

s many of you read in our June issue or know from first hand experience, business in South Florida slows down significantly in the summer months. Subsequently, the first thing that businesses tend to do is hold off on advertising. But The South Florida PALM had a plan —crowdfunding.

After hearing countless stories of successful projects and causes that gained funding through sites like Kickstarter.com, Indiegogo. com, GoFundMe.com and others, we figured why not us?

T HE S TRATEGY To create a project on Kickstarter.com in order to fund our July printing expenses ($3,500), offering free advertising for our loyal clients and exposure for backers.

So we came up with enticing reward levels that included getting a company’s logo on the cover, a donor thank you page, discounted advertising and lots more. We shot a video, we were all set.

T HE L AUNCH

Response started well, friends and family were reacting and slowly but surely, generously supporting my efforts. However, after a few days of harassing my personal database to their limits, I knew I needed to reach out beyond what I already had.

So we got on social media. Facebook, Twitter, LinkedIn, mixed with a pinch of Instagram. We posted multiple times a day and the posts were getting great attention.

However the eternal business-related social media issue arose, conversion. Likes, views, comments and even a few new followers were great, but they weren’t translating into backers.

B ACKING B ACKERS An industry expert told me that in order for people to fund you, they have to see that you’ve funded others and are willing to back them.

Backers need backers and there’s actually some really cool stuff on Kickstarter.com that you can get for backing projects. Message the people you’re funding to make sure they’ll scratch back (you

also might get some insider info out of a conversation with a more experienced Kickstarter).

This was informative, and if you do it right you should get a 100% return on all your investments.

T HE S PAM Once I got a significant amount of projects backed, I started thinking bigger and beyond simply matching every dollar spent. So I went back through the messages I got when my project launched.

I did my homework and made sure the companies were legit.

The first company, MyGigs.co, provided a valuable service. For $25 they posted the project on their social media, donated $1 back three times, plus added a comment with every donation. This was a small investment but I was pleased with the result. Fiverr.com is also a good site to pay for comments/backers.

I was pleased with the $25 investment, so I looked on. I looked at KickStartMyAds.com, their reviews online were lukewarm, but I figured that was better than bad reviews.

I believed in my project, I just knew that I needed to reach a bigger audience. So I forked over $300 to KickstartMyAds.com and hoped for the best.

What a mistake. Instead of quietly failing and learning a lesson, I spent $300 on what was essentially a scam. I should have been OK with failure, and not gotten desperate....

T HE R ESULT Funding was unsuccessful. Friends and family, although generous, still only made up for less than 10% of our goal.

But we learned a valuable lesson, getting money is NEVER easy. There are no shortcuts and if your project is not meant to be funded, it’s not going to get funded.

In the immortal words of the ‘90s streetball classic, “White Men Can’t Jump:” “Sometimes when you win, you really lose, and sometimes when you lose you really win and sometimes when you win or lose you actually tie,” and the quote goes on, as does the grind.

Although we weren’t successful getting funding, The PALM has learned a lot from the attempt to get crowd-funded.

T HE L ESSON

You can’t buy a successful campaign, and on the other hand, if you do your homework, you don’t have anything to lose either.

4

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

5

REAL

BY MONICA VICTOR

A THERE’S A CROWDFUNDING SITE FOR THAT While there are hundreds, these are the top 5:

The cornerstone for the crowdfunding phenomenon — is best for your creative projects like film, art etc. Personal fundraising is not allowed.

This one sells itself as the world’s No. 1 fundraising site for personal causes and life-events.

International crowd funding site that provides a platform for people to raise funds for any idea, charity or startup business. Be it music, film or hardware.

Ideal for medical expenses, adoption and tuition.

Established to help you raise money for causes and organizations or to help pay for a loved one’s medical bills.

6

dream has been planted in your heart. Like a seed it grows and grows but the money to fund it either is scarce or non-existent. Or perhaps, somewhere in the world or even in your own little circle, tragedy struck and you need money to help the victims recover. What if we told you that even for personal projects you can get members of the crowd to fund it or give you their money — it’s called crowdfunding.

Crowdfunding is soliciting monetary donations from the “crowd” to fund your project, to back you up on fulfilling your dream or your goals. At what costs?

Dependent on the nature of your project, often it’s nothing, a reward or equity in your company.

Two types of crowdfunding exist: Donation-based crowdfunding—where people are asked to donate to help fulfill a goal. As a thank you, backers as they’re called, are given a reward, be it the product you’re trying to kickstart or perks. Often, the more money a backer donates, the greater the perk or reward they receive.

The other is Investment based crowdfunding — with this one a business seeking capital, tries to sell a portion of their company online as equity or debt.

The reward for these backers is potentially a stake in the company as either owners or shareholders or a payment in interest.

Although crowdfunding has been around for a couple of centuries, it has gained momentum in the last couple years.

In 2012, the crowdfunding Industry raised over $2.7 billion and successfully funded over 1 million campaigns.

Eighty-one percent more than the 1.5 billion raised between 2011 and 2012 according to Massolution, the industry leader in crowdfunding analytics.

Massolution, forecasted an increase in global crowdfunding volumes in 2013 to

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

$5.1 billion.

The inspiration behind the crowdfunding phenomenon is to bolster charities, independent artists, start-ups, small-business owners and other projects that need financial assistance to succeed.

The message is getting across and people are taking to the internet and social media to raise funds for any number of causes and projects — some conventional, others not so much. Nonetheless, these projects were funded by the crowd.

“READING RAINBOW”

“Reading Rainbow” was a popular television show on PBS that made kids favorite books come alive with the intent to get them reading. After a 30-year run the show was cancelled in 2009. Recently, Levar Burton, who was the star of the show, took to the internet to Kickstart a campaign to reboot the “Reading Rainbow.” With a promise to change the lives of millions, the crowd has taken notice and enthusiastically supports his campaign.

Even before the campaign ended, Burton’s not only reached but surpassed his goal of $1 million. With 10 days to go, 82,902 backers have pledged $3.9 million and is well on his way to reaching his secondary goal of $5 million. As a reward, Burton plans to give his backers anything from t-shirts to autographed copies of his headshot.

“VERONICA MARS” MOVIE

The most successful Kickstarter campaign to date. “Veronica Mars” was a TV series that on its debut garnered the support of millions but was cancelled after two seasons. Screenwriter Rob Thomas endeavored to create a “Veronica Mars” movie. In March 2013 Rob Thomas Kickstarted a campaign to help fund the

CROWDFUNDING production of the film. In less than 10 hours his initial goal of $1 million doubled. By the end of the campaign, Thomas had successfully raised $5.7 million through the support of 91,585 backers. The film was released on March 11, 2014.

ONE FUND BOSTON

One Fund Boston — Who could forget that horrible day in April 2013 when two brothers terrorized participants and onlookers of the Boston marathon. Massachusetts Governor Deval Patrick and Boston Mayor Tom Menino initiated a crowdfunding campaign to raise funds for the victims. To date, One Fund Boston has raised close to $71 million.

FREE JEREMY MEEKS CAMPAIGN

YOU TOO CAN LAUNCH A CROWDFUNDING CAMPAIGN IF YOU ...

Research

Get on the internet and conduct extensive research. Be sure to choose the site that best caters to your project.

Have a clear vision

Make sure your message is clear and you know what you want to achieve. The main aim is to make others see why your project is important to you and the benefits it will provide.

Use videos and visuals to enhance the messaging

It’s your ad so communicate clearly and with passion. Keep the message short, concise and engaging. A well-produced video with good quality while it conveys the message also implies that you are professional. Members of the crowd will be more inclined to trust you.

AS YOU SEEK FUNDING FROM THE CROWD, HERE ARE SOME THINGS TO TAKE INTO ACCOUNT: Fees

Last month the Stockton Police Department posted the booking photo of a convicted felon Jeremy Meeks on Facebook. Within minutes Meeks became an internet sensation because of his looks. Meeks’ mother has started a Gofundme campaign to help pay for her son’s legal fees and is seeking $25,000 in donations. In just eight days of the 30-day campaign, it has won the hearts of 262 backers and garnered pledges of $5,160.

There are fees involved and you will be charged a percentage based on the amount you collect. While some crowdfunding sites may not charge you, Paypal will. The amount you pay in fees will be dependent on the amount of money you actually received. There is a difference between the amount collected and the amount raised.

AMOUNT COLLECTED

The amount of money backers have pledged but you have not collected.

MONIES RAISED

The actual amount that you received at the end of the campaign.

Uncle Sam wants his cut – don’t forget about taxes

You’re required by law to pay taxes on all income you receive. Time your campaign in a manner to cover all your expenses. Make sure the expenses are in the same year or you may apply the accrual methods of accounting for four years.

Be sure to reward your backers

As a means of saying thank you for giving me your money, it’s important to reward your backers. The most popular rewards are t-shirts but don’t go crazy as the costs of printing, shipping sales tax can run high. Give them perks or offer intangible rewards like discounts.

If you’re raising funds for a charity or catastrophic event, rewards aren’t necessary.

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

7

8

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

BIG.BOLD.FIERCE. From pencils and paper to high-quality fabrics as a canvas

BUSINESS

PROFILE

South Florida’s Business News Makers and Risk Takers

BY MONICA VICTOR

W

hitney Anderson endeavors “to enrich the world using art as her catalyst.” A motto she has turned into a reality with her Big. Bold.Fierce fashion line.

Anderson is the founder and chief creative officer of the lifestyle clothing line for women, Big Bold Fierce. By employing her creative edge and passion for fine art, Anderson ingeniously combines her art with high fashion.

Ever since she was a little girl, Anderson has been drawing and has graduated from using paper as her canvas to using high quality fabrics. A trip to the hair salon with her mom and sister one day in Seattle highlighted her creative talents and abilities. Whilst mom got her highlights, Anderson and her sister scoured the hair salon for toys to keep them entertained.

They – well Anderson – discovered a treasure trove – pencil, paper and her innate talent.

“Coloring books and blank paper spilled out onto the floor as my sister looked around for more toys,” Anderson said. “I grabbed the paper and a red —Cadmium Medium Red as I would refer to it now — coloring pencil and just started drawing. A nose. Two eyes. Heart-shaped lips. And the hair—with a few highlights inspired from being in the salon that day.”

Fast forward to 2009, Anderson graduated from Duke University with a degree in fine art. And her journey to live Big, Bold, Fierce began.

“After I graduated college and entered the real world, art became my center focus,” she said. And, the three words she used to describe her art in the earlier years became the tagline for her clothing line — “If you want to make it BIG in life it’s good to be BOLD but you gotta be FIERCE!” Anderson recalls that aha moment she had in the big apple.

“Something hit my heart BIG time in the summer of 2011 when I was walking the streets of New York,” Anderson recounts. “I had moved there for seven months trying to make a dime on my art or just a little recognition for that matter. I did not like the art world around me and how art seemed so out of reach—so aristocratic.”

Her experience in the BIG apple inspired Anderson to create the art that caters to the average person.

“I‘ve just always wanted my life to touch the common people—the average Jane and Joe,” she said. “I wanted fashion to be my catalyst to bring my art out into the world and vice versa. I’ve always described my art in these three words: it was big because I liked to paint big, it was bold in the colors that I used and it was fierce in concept. And there you have it, my street chic lifestyle brand was born.”

With a strong focus on art, Anderson creates a line of comfortable yet sophisticated basics like short and long sleeve t-shirts, tanks and hoodies with the highest quality rayons and cottons and with pride says they’re 100% manufactured and made in the U.S.A. “Each garment is an original piece of artwork,” Anderson said. “A lot of people think that I use an airbrush in my

“I-scream” work, but it is all simply done freehand.”

Her designs are fun, sassy and edgy. Among them, “Beauty is Fleeting,” “Young Love,” “Viva la Vida,” “Never Cry Wolf, “ “Partime Angel.” And, just in time for summer 2014, Anderson has unveiled her new baseball-inspired “I-scream” unisex design.

What inspires Anderson? The big, big world around her.

“Growing up, I gained a vivid imagination which was fostered from long boring hours in the classroom and commercial fishing in no-mans-land Alaska with my family,” she said. “I’ve also traveled to many countries—45 so far—which has expanded my understanding of history, people and culture. I made sense of my life and the world through my art: something between reality and escape, fantasy, mystery and fun—I live for these things.”

You can get your hands on Anderson’s designs at bigboldfierce. com, Opensky, Shoplately, Etsy and Shopfunder. You may also find her unique pieces at storefronts like Love Shack in Delray Beach and Body and Soul Boutique in Miami.

While Anderson looks forward to her designs being in a store near you soon, she’s also focusing on expanding her existing women’s line, and adding a line for men and children.

“We are mainly a women’s line but have several unisex designs that crossover to men so we are gathering a men’s collection right now,” she said. “We hope to add jackets, bottoms, basics and accessories to our line soon.”

After all, all Anderson wants is: “To create an apparel line perfect for everyone that follows their own unique path in life, and no matter what obstacle they face, we remind them to stay strong, confident and daring – taking the next step ahead in life. BIG BOLD FIERCE. Be it, so wear it.”

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

9

10

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

FUNDING THE DREAM B

eing an entrepreneur and a business owner is hard work but also an exciting experience. I think Eleanor Roosevelt said it best when she said, “The purpose of life, after all, is to live it, to taste experience to the utmost, to reach out eagerly and without fear for newer and richer experience.” Roosevelt’s words correlate to living with

passion, going after dreams and even translate to the challenging and somewhat daunting task of raising money for your company.

Positioning your company to successfully raise capital takes a lot of work but it can be achieved. Here are a few things to keep in mind:

Warm Introductions

Traction

Investors will rarely invest in just an idea. Unless you have built a successful company before, investors care about results and will gauge your business accordingly. If you weren’t willing to put the time and money into launching at least a beta version of your company, why would they want to invest? My advice to entrepreneurs looking to raise capital is to build a business first and then find investors, not the other way around.

Mentors

One way to prove to the investor that you are a top-notch entrepreneur is to get a “warm introduction” from people they know and trust. If you don’t know any investors start aligning yourself in their spheres of influence. You can start doing this by reading and commenting on their blog, going to pitch events, entrepreneur conferences and acquaint yourself with other entrepreneurs looking for funding.

The Pitch

Find a great adviser or mentor: If you are simply looking to grow your business or want to raise angel or venture financing, find a mentor who has successfully done it before. Having advisers can expand your network, lead to introductions and you will learn so much that the experience will be invaluable.

You won’t get a second chance to make a first impression. Focus on telling the story of your company as succinctly as possible.

When pitching to an investor, not only are you pitching your business and team but you are pitching yourself. You are proving your business competence, the ability to lead a team and gaining the trust of an investor in you.

Know your numbers

Gut Check

When looking for financing it’s important to know how much money you need to raise and how you will successfully allocate those funds.

Understanding your business financials are key. Study your balance sheet, operations and how the funds will be used to continue to execute your vision.

START UP

THINKING

BY MEGAN TIERNEY

Raising money can be a big advantage but it also means you are going to lose some of the control. It’s advisable you ponder over the issue of control carefully before making up your mind on the source of capital to pursue. Ask yourself, “Do I want an investor as my business partner?” The angel or VC becomes your husband or wife. Are you sure you want to get married? Do a gut check before you proceed.

Whether you raise money for you company or you choose to stay self funded, I wish you the courage and tenancy to follow your dream and be the individual and company you envision.

Megan is the founder of Louise & Eleanor, an online women’s accessories boutique, an advisor to a coworking space in Boca Raton and a partner in a Silicon Valley real estate investment firm.

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

11

12

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

13

5 FREE MEALS

A $50 VALUE

WITH ANY 10 MEAL MINIMUM PURCHASE - SIGN UP OR REFER A FRIEND

COUPON CODE: PALM

32 14 THE THESOUTH SOUTHFLORIDA FLORIDAPALM PALM- -PROFESSIONAL PROFESSIONALAND ANDLEISURE LEISUREMAGAZINE MAGAZINE

UNLOCK THE VALUE OF YOUR PORTFOLIO WITH SECURITIES BASED LENDING How you borrow is an important aspect of maintaining your wealth and achieving your overall financial objectives. When executed properly, a securities based loan can provide the financing you need without liquidating assets, diminishing cash reserves or disrupting your overall investment strategy. There are risks associated with using your assets as collateral in a securities based loan, including for example (i) the need to deposit additional eligible securities to maintain the availability of funds and (ii) possible margin calls on short notice. See below for details.1

A

s you pursue your passions—such as delving into a business opportunity or purchasing a vacation home—you are faced with multiple financing options. How you choose to borrow is important to meet your immediate need for liquidity as well as maintain your long-term wealth management strategy.

Liquidating an eligible investment account can be part of that plan, but there are potential hidden costs in doing so such as taxes on capital gains.2 Two other considerations include the potential loss of future asset growth, also known as opportunity cost, and the possibility of creating an imbalance in your portfolio’s overall asset allocation.

When the time comes—or when an opportunity arises—an alternate financing strategy may offer a more practical approach: securities based lending.

For those of you who are not familiar with securities based lending, it is a form of lending

that enables you to use the eligible securities in your brokerage account as collateral for a loan or a line of credit. As long as eligible collateral remains and an adequate value of such collateral is maintained, a securities based loan can create the liquidity you need to take advantage of a present opportunity or meet an immediate need without liquidating assets, diminishing cash reserves or disrupting your overall investment strategy.

By establishing a securities based loan, you can gain quick and efficient access to funds that may enable you to achieve a number of objectives.

• Explore small-business opportunities.

• Purchase luxury items.

• Finance real estate.

• Pay taxes.2 • Fund higher education.

• Finance a bridge loan.

• Meet general liquidity needs.

A securities based loan offers many benefits that may not be available through traditional loans. The process is relatively simple, in part, because the collateral is liquid and readily accessed via your investment account. Once approved, you can make withdrawals by simply writing a check or wiring funds when needed.

With no origination, maintenance or facility fees, securities based loans may be a costeffective solution3.

Because your investments are not liquidated, as long as the required level of collateral is maintained, securities based lending preserves the potential for growth of your investments and can reduce the chance of having an imbalance in asset allocation.4 In this way, securities based lending can align with your overall wealth management objectives by enabling you to unlock the value of your portfolio to meet short-term financing needs, while keeping your longer-term wealth management strategy intact.

Please contact us to learn more about securities based loans in addition to other lending solutions that may be available to meet your financing needs.

Footnotes

1 Borrowing against securities may not be suitable for everyone. Please be aware that securities based loans involve a high degree of risk and that market conditions can magnify any potential for loss. Most importantly, please understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as “Morgan Stanley”) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.

The proceeds from certain securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith

Barney LLC or other brokerage account.

2 Morgan Stanley Smith Barney LLC (”Morgan Stanley”), its affiliates, employees and Morgan Stanley Financial Advisors are not in the business of providing tax or legal advice, and these materials and any statements contained herein should not be construed as tax or legal advice. This material was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.

3 No application or origination fee charged by Morgan Stanley. In certain instances, borrowers will be required to pay legal or documentation fees to third parties. Clients may be charged a fee for the issuance of a letter of credit in connection with certain securities based loan products.

4 Asset allocation does not assure a profit or protect against loss in declining financial markets.

The contents of this document should not be construed as a commitment to lend.

Morgan Stanley is a registered Broker/Dealer, a member SIPC, and not a bank. Where appropriate, Morgan Stanley has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Unless specifically disclosed in writing, investments and services offered through Morgan Stanley are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, a bank and involve investment risks, including possible loss of principal amount invested.

Matthew Stewart is a Financial Advisor at Morgan Stanley in Boca Raton and was born and raised in Philadelphia, PA. He received his Bachelor’s degree in Finance from the College of Business Administration at the University of Pittsburgh. After earning his degree, he relocated to Florida to join an independent advisory firm as a Client Relations Manager while obtaining his Series 7 license. Matthew then moved on to join Morgan Stanley as a Financial Advisor to work with clients in helping them effectively prepare for their future.

If you’d like to learn more, please contact Matthew Stewart The author(s) are not employees of Morgan Stanley. The opinions expressed by the authors are solely their own and do not necessarily reflect those of Morgan Stanley. The information and data in the article or publication has been obtained from sources outside of Morgan Stanley and Morgan Stanley makes no representations or guarantees as to the accuracy or completeness of information or data from sources outside of Morgan Stanley. Neither the information provided nor any opinion expressed constitutes a solicitation by Morgan Stanley with respect to the purchase or sale of any security, investment, strategy or product that may be mentioned.

Morgan Stanley Financial Advisor(s) engaged the South Florida Palm Professional and Leisure magazine to feature this article.

Matthew Stewart may only transact business in states where he is registered or excluded or exempted from registration www.morganstanleyfa.com/matthew.stewart. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Matthew Stewart is not registered or excluded or exempt from registration. © 2014 Morgan Stanley Smith Barney LLC. Member SIPC. CRC 882987 5/2014

561-393-2041 THEMatthew.Stewart@MorganStanley.com SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

15

HAPPY HOUR

101 Ocean Lauderdale-by-the-Sea 5 p.m. - 7 p.m. everyday All drinks half price Located in a great place for bar hopping and sun bathing on the worldfamous Lauderdale-by-the-Sea beach 101 Cantina Boca Raton 4 p.m. - 7 p.m. everyday Half-off appetizers and daily specials From three-for-one drink specials on Sundays to $5 signature quesadillas on Thursdays, 101’s daily specials are worth checking out, but first enjoy half price apps during happy hour All Stars Sports Bar and Grill Pompano Beach 4 p.m. - 7 p.m. M-Th 4 p.m. - 9 p.m. F Half off all drinks Smoker friendly with pool tables, darts and every sports television package under the sun

Aruba Beach Cafe Lauderdale-by-the-Sea 4 p.m. - 7 p.m. M-Th One dollar off well cocktails, house wine and Miller Lite drafts at the bar.

Their daily drink specials (in addition to happy hour) and live music make this a beachfront favorite Bimini Boatyard Bar and Grill Fort Lauderdale 4 p.m. - 8 p.m. everyday Half off domestics, house wine and well drinks.

A high quality $3 bar bites menu geared towards seafood lovers and a nice waterfront view Blue Martini Boca Raton 4 p.m. - 8 p.m. everyday Half-price drinks and discounted apps High-end lounge located in Town Center Mall with a friendly staff and phenomenal martini menu. Centrally located in Boca and a very popular hangout for professionals Cheers Food & Spirits Fort Lauderdale 4 p.m. - 8 p.m. M-F Three dollar appetizer menu and well, wine and domestic bottle specials.

Play pool and the juke box until 4 a.m. Fort Lauderdale’s favorite music venue is known for turning happy hours into a happy late night

16

Great places to unwind after a long day at the office.

City Pub Deerfield Beach 11 a.m. - 8 p.m. everyday All well liquor and domestic bottles only $2.50 Huge bar, great crowd and conveniently located on Federal Highway in Deerfield CJ’s Draft House Deerfield Beach 11 a.m. - 4 p.m. M-F Two-for-one drinks, and daily menu specials Tons of TVs and an early happy hour creates the perfect opportunity to enjoy their famous cheese steak for lunch or dinner, or both Duffy’s Sports Grill Boca Raton All day rveryday Two-for-one drinks (Excluding shots, pitchers, buckets, doubles and 34 oz. mugs) The newly renovated plaza made an already popular location for an afterwork drink even more popular Duffy’s Sports Grill Fort Lauderdale All day rveryday Two-for-one drinks (Excluding shots, pitchers, buckets, doubles and 34 oz. mugs) Enough TVs to satisfy every type of sports fan. Big bar and a great atmosphere The English Tap Boca Raton 4 p.m. - 7 p.m. M-Sa Half price wine, draft beer and select liquors Located in the shops of Boca, English Tap has a large outdoor bar and dinner specials starting at 5 p.m.

Fritz & Franz Bierhaus Lauderdale-by-the-Sea 4 p.m. - 6 p.m. M-F 2 for 1 draft beer, wine and well drinks If you like soccer, schnitzel and beer, this is your happy hour destination. In addition to a great discounts on drafts from 4-6, they have 2 for 1 schnitzel every Sunday through Wednesday.

When you throw in your favorite soccer match, you’ve got yourself a perfect evening

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

The Funky Buddha Lounge and Brewery Boca Raton 5 p.m. - 7 p.m. M-F $2 Buddha beer, 25% off personal pizzas, $10 hookahs and two-for-one Kava shells Not only is this a great place to get an education in craft beer, but you can get started brewing your own with a visit to their homebrew supply store Grand Tavern Delray Beach All Day M and 2 p.m. - 7 p.m. Tu-F $2.25 domestic beers, $3.50 premium beers, $3.50 house wines, $3.50 well drinks, $4.50 craft beers, $4.50 call liquors GT also features buy-one-get-onehalf-off appetizers during happy hour, so there’s not much you can’t get between the hours of 2 p.m. and 7 p.m. Tuesday through Friday and all day on Monday The Grille on Congress Boca Raton 4 p.m. - 7 p.m. M-F Wines by the glass for $5, $5 appetizers, $5 martinis Conveniently located on the corner of Congress and Yamato, this is a go-to for many T-Rex and Broken Sound area professionals Hooters Boca Raton 4 p.m. - 7 p.m. M-F Discounted drinks and appetizers menu America’s favorite place to watch the game, have a casual business conversation and enjoy some wings. Their staff is easy on the eyes as well Hooters Fort Lauderdale 4 p.m. - 7 p.m. M-F Discounted drink and appetizer menu Conveniently located on the northwest corner of Andrews and Cypress Creek, their bright orange sign shines like a beacon for beer after a hard day’s work Hot Leggz Fort Lauderdale 3:30 p.m. - 6:30 p.m. M-F Half off all bar drinks and $5 bar menu Their friendly staff is famous for service with a smile and their significant happy hour discounts make for a great place to have a drink and try their appetizers

Hot Leggz Lighthouse Point 3:30 p.m. - 6:30 p.m. M-F Half-off bar beverages and $5 bar menu Lighthouse Point’s version of Fort Lauderdale’s favorite place for seafood, burgers and beer Jazziz Nightlife Boca Raton 4 p.m. - 7 p.m. Everyday 50% off drinks, discounted appetizers Significant discounts on their famous cocktails, and the best Jazz in all three counties. Come for happy hour and stay for the entertainment.

JB’s on the Beach Deerfield Beach 4 p.m. - 7 p.m. M-F Half price drink specials and $5 appetizers They feature live music during happy hour along with an ocean view, half priced drinks and a special appetizer menu. JB’s is truly what South Florida living is all about Mangos Restaurant & Lounge Fort Lauderdale 4 p.m. - 7 p.m. M-F Half price appetizers and $2 off all drinks You’ll be having so much fun at the famous Mangos you might forget that you’re enjoying world-class cuisine. Consider this your reminder Mario’s Osteria Boca Raton 11:30 a.m. -6 p.m. everyday Half off all appetizers, liquor, beer and wine by the glass at the bars One of Boca’s most elegant locations offers significant happy hour discounts for the entire day Muddy Waters Restaurant Deerfield Beach 4 p.m. - 7 p.m. everyday Half off select house wines and cocktails, $2.50 select draft pints Extended happy hour on Monday nights from 8 p.m. - close and special ‘Havoc Hour’ bar menu at the bar and high tops everyday from 4 p.m. - 7 p.m.

Nippers Boca Raton 4 p.m. - 9 p.m. Tu-F Discounts on all drinks. Ten dollar domestic and $15 import buckets. Five dollar appetizers til 7 p.m.

Boca’s favorite late-night spot also has one of its best happy hours. Their free happy hour buffet on Fridays from 5 p.m. - 8 p.m. features some of Boca’s best grub money can buy.

Patio Bar and Grill Deerfield Beach 4 p.m. - 7 p.m. M-F One dollar off all drinks Great atmosphere and a great ocean view. Their late night happy hour, 10 p.m. to 1 a.m.

Sunday through Thursday, features $3 well drinks, domestic and imported draft beers and house wines The Pavilion Grille Boca Raton 4 p.m. - 7 p.m. Tu-F Specially priced drinks and $6 Bar menu A high-end gem in Boca inconspicuously located in an office building. Great for a private and professional dinner meeting Sandbar Delray Beach 4 p.m. - 7 p.m. M-F Half off premium well liquors, draft beer and wine and select appetizers A traditional beach bar with a great atmosphere and a few feet away from Delray’s gorgeous beach Stout Sports Bar and Grill Fort Lauderdale 4 p.m. - 7 p.m. M-F Discounts on domestic beers, select cocktails and house wines An upscale Irish sports bar with 40 HDTVs to watch while you try their 100 varieties of whiskey (*Do not try all 100 varieties of whiskey in one night) Sushigo Boca Raton 5 p.m. - 7 p.m., 9:30 p.m. - close Tu-Su Free hot sake or appetizer Enjoy Chef Joe’s world famous, award winning sushi and have a complimentary hot sake or appetizer to get the evening started

Tap 42 Fort Lauderdale 4 p.m. - 7 p.m. M-F Three dollars off all bar drinks A gorgeous establishment that uses locally grown food and has 51 craft beers on tap, just like mother nature intended Tokyo Blue Fort Lauderdale 4 p.m. - 6 p.m. T-F Half price cocktails Contemporary layout with great sushi and just a short walk away from the beach after dinner. Great place to take a date Union Delray Beach 5 p.m. - 8 p.m. Th-Sa Three-for-one cocktails, 30% off all entrees Big time discounts on some of the best food in Delray. Don’t forget to try the sushi Wishing Well Irish Pub Boca Raton 3 p.m. - 7 p.m. everyday Domestic beer $2.50, import $3.50, well $3, call $4, premium $5; two-for-one appetizers Authentic Irish fare, pool, darts and there’s an actual well in the bar. A Boca mainstay and worth a visit Yakitori Sake House Boca Raton 4:30 p.m. - 7 p.m. and 9:30 p.m. - 1:30 a.m. everyday Signature cocktails, sake, beer and wine specials, in addition to discounted sushi menu Their extensive happy hour menu and drink specials twice a night makes Yakitori a must visit Yard House Boca Raton 3 p.m. - 6 p.m. M-F and 10 p.m. - Close Su-W Discounts on all drinks and half-priced appetizers and pizzas A huge appetizer menu to chose from and a drink/beer menu that’s even bigger. Yard House is Mizner Park’s favorite sports bar and one of Boca’s best happy hours

To add your bar or restaurant to our Happy Hour Listings, email EverythingAtThePALM@gmail.com THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

17

CREATING EXPERIENCES OF A LIFETIME MAKE SOME LASTING MEMORIES THAT YOU AND YOUR GUESTS WILL SHARE FOR A LIFETIME!

ENVISION YOURSELF… • THROWING OUT THE FIRST PITCH • STEALING SECOND BASE DURING THE 7TH INNING STRETCH • WATCHING BATTING PRACTICE FROM THE FIELD • PRESENTING YOUR NEXT BOARD MEETING FROM THE PRESS CONFERENCE ROOM • HOSTING A PRIVATE EVENT ON THE FIELD • WATCHING A MARLINS GAME FROM A PRIVATE SUITE OR ONE OF OUR TWO ALL-INCLUSIVE PREMIUM CLUB SEATS

TO BEGIN DESIGNING YOUR CUSTOMIZED MARLINS EXPERIENCE, PLEASE CALL 305.480.2522 OR EMAIL SUITES@MARLINS.COM

18

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

FRESH FISH

By Wesley Wright

Who’s who in the new Marlins’ lineup

A

host of new personnel has contributed to the quick turnaround that the Miami Marlins have seen this season. As the All-Star break draws nearer, the Marlins have placed themselves in the thick of the race for No. 1 in the NL East.

Fish fans are looking forward to an equally exciting second half of the season, but in the meantime, let’s look at some of the new names and faces that have made the Marlins contenders this season:

PITCHERS

Andrew Heaney is a pitching prospect that the Marlins hold in high regard.

Considered by Baseball America to be the top left-handed pitching prospect in baseball, Heaney will be looked upon to fill the void left by Jose Fernandez’s early exit this season.. He struck out three and surrendered four hits over six innings in his first major league start in June, a 1-0 loss to the New York Mets.

Since making his professional debut on May 14, RHP Anthony DeSclafani has shown an ability to control his pitches well and get ahead of batters, allowing him to pitch aggressively. A top pitching prospect within the Marlins’ system, 24-year-old Anthony DeSclafani could solidify his position on this team if he can provide some sorely needed pitching prowess to help his team continue to stay afloat.

Bryan Morris put up stunning numbers in July maintaining a 0.00 ERA in his first 10 games. Morris, a reliever who pitches right-handed and bats lefthanded, was acquired from the Pirates on June 1 and has been throwing fire ever since.

Andrew Heaney

Garrett “The Professional” Jones signed with Miami in December, coming over from the Pittsburgh Pirates organization where he spent the past five seasons. Jones plays first base, and his slugging power was the primary reason that the Marlins looked to him to help their performance at the plate.

Back in the MLB after a stint in Japan, Casey McGehee has solidified himself a vital cog in the middle of the Marlins’ batting order, and he did so in just six months —McGehee signed a deal with Miami in December 2013. He hit over .300 for the entire month of June and led the league in average for third basemen.

Ed Lucas is another player who waited a while before being called up to the big leagues. In the 10 years he spent in the minors, financial obligations caused him to take other small jobs. He spent time as a substitute, bartender and even as a temp for Charles Schwab. Lucas was called up from the minors in May 2013 and became the Marlins’ everyday third baseman. He started this season on the disabled list due to a broken hand, but returned to the team in April.

CATCHERS

OUTFIELDERS Reed “The Secret Weapon” Johnson came to Miami by way of Atlanta. After signing a minor league contract with the Marlins in January, the left fielder quickly worked his way back into the major leagues, where he is hitting .278 this season. That number is right in line with his career .282 batting average. Johnson’s .403 slugging percentage ranks fourth on the team.

INFIELDERS

The Marlins called up centerfielder Jake Marisnick last July, and he has turned into an unlikely base-stealing threat for the team. He spent some time in the minors recently, but has re-established himself within the framework of this team. The Riverside, Calif. native already has picked up four steals in his first 23 at-bats.

After winning a World Series with the Boston Red Sox last season, catcher Jarrod Saltalamacchia signed a threeyear contract with the Marlins worth $21 million. The Royal Palm Beach native has just returned from a concussion that put him out of commission in early June.

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

19

Find us on:

FACEBOOK

The South Florida PALM

TWITTER

@SFloridaPALM

INSTAGRAM @southfloridaPALM

20

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

21

HIRE OUR DISTRIBUTION TEAM TO PROMOTE YOUR BUSINESS!

We distribute flyers, brochures or ANY promotional material to college campuses, events, plazas and any place we can come up with.

CONTACT MARC FOR RATES (732) 991.6353 MLitt705@gmail.com 22

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

23

GRAND OPENING 6/10/2014

24

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

25

26

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

GALLERY AADVERTISER DVERTISER GALLERY J

ust steps from the ocean, the Village Grille is perfect for breakfast, lunch, dinner or a latenight weekend meal. Along with the Village Pump - known as the best little Boston bar by the beach - and Village Sushi, this local landmark offers something for everyone, including succulent steaks, seafood, bar fare and award-winning specialty drinks.

ADVERTISE HERE FOR $20 A MONTH

Caricature Artist

Available for your party or special event

Now offering DIGITAL CARICATURES! Ray Russotto (954) 570-9256

Visit www.CartoonsbyRay.com

Mizner Park - Boca Raton (561) 300-0730 Jazz stars on our stage, rock stars in our kitchen. Come visit us!

ADVERTISE

FOR $100

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

27

Hundreds of local 50% off or more deals all over Palm Beach & Broward counties

Use as often as you like.

All for 1 low monthly price.

Sign up today and receive a FREE trial.

COMING THIS SUMMER Eat | Play | Live | Local

28

www.MyLocalSlice.com www.facebook.com/LocalSliceClub

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

29

30

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE

31

32

THE SOUTH FLORIDA PALM - PROFESSIONAL AND LEISURE MAGAZINE