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Published in cooperation with the Aventura Marketing Council

Connecting Local Businesses

) ” 32 side a n in k I o w (Loo t er V ist en T g Re cre t-S Fla

May 15 - 28, 2013

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Sunny Isles Beach hosts Bill Talbert, CEO Greater Miami Convention and Visitors Bureau

T

Turnberry Isle Miami hosts seventh annual Reid & Fiorentino Golf Classic

BY BARI AUERBACH

he City of Sunny Isles Beach recently hosted an Aventura Marketing Council (AMC) Breakfast Meeting highlighting a “progress, prosperity and luxury on the rise” report presented by Mayor Norman S. Edelcup. Good news about record-setting tourism trends in Miami-Dade was also shared by guest speaker Bill Talbert, President and CEO of the Greater Miami Convention & Visitors Bureau (GMCVB). AMC Chair Cliff Schulman of Weiss, Serota, Helfman welcomed hundreds of business and community leaders gathered at the Trump International Beach Resort in Sunny Isles Beach, which is proud to be home of the Forbes Travel Guide five-star rated Acqualina Resort & Spa as well as the four-star Trump International Beach Resort. On behalf of the Sunny Isles Beach City Commission, Mayor Edelcup invited everyone to join in celebrating the city’s 16th anniversary in June. “We’re so proud of our city, leading the county in new construction with nine new residential projects that will add another $3 billion to our tax base, already close to $7 billion. In just a couple of years, Sunny Isles Beach, spanning just one square mile, will have a $10 billion tax base.

L-R: Eric Reid, Ron Book, Tony Fiorentino and Lauren Book

Sunny Isles Beach Mayor Norman Edelcup (left) and Bill Talbert, Greater Miami Convention and Visitors Bureau

We now have ten new parks and one of the finest K-8 schools, so successful, that we’re adding twelve classrooms. “All of our city commissioners, past and present, have worked diligently to heighten quality of life, transforming Sunny Isles Beach into an internationally -renowned community. This mission is facilitated by win-win partnerships we’ve forged with premier developers, Miami-Dade Public Schools and the Greater Miami Convention & Visitors Bureau.” Travel hopping to “trends in tourism,” Bill Talbert explained Sunny Isles Beach city officials will soon be joining Stephanie Trump, Acqualina Resort & Spa on the Beach; the GMCVB at the 2013 Pow The Hon. Lew Thaler and Comm. Jennifer Levin, Sunny Wow in Las Vegas, the number Isles Beach one travel show in the U.S. re-

turning to South Florida in 2016. “Tourism here is booming!” he exclaimed. “In 2012, we broke all sorts of records and for the first two months of 2013, Miami led the list of top destinations with the highest average daily rates and hotel occupancies. “We now have more international and domestic visitors than ever because of partnerships – it’s all about working together. The Financial Times recently reported, ‘Greater Miami has transformed itself into a sophisticated, world-class community.’ That tells you we have arrived. Today, almost half of our business is international, so the GMCVB has expanded its representation to cover 45 international cities. This growth is due largely in part to Miami-Dade County’s investment in infrastructure, exemplified by the expansion of Miami International Airport. See SUNNY ISLES BEACH, page 4 Photography by Andrew Goldstein

Sun Sports HEAT TV broadcasters and two of South Florida’s leading sports media personalities, Eric Reid and Tony Fiorentino, celebrated the end of the seventh annual Reid & Fiorentino Call Of The Game Dinner & Celebrity Golf Classic presented by SHARP Business Systems, alongside today’s sports icons and philanthropic heroes of the community, with a triumphant salute to two of the most celebrated local charity organizations and beneficiaries – Lauren’s Kids Foundation and the Dade Schools Athletic Foundation. The two-day fundraising event kicked-off on the two championship Raymond Floyd-designed golf courses at the legendary Turnberry Isle Miami resort in Aventura and once again, attracted some of the region’s biggest names in sports and entertainment including NFL Hall of Famer, Dan See TURNBERRY ISLE MIAMI, page 4


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Wandering & Pondering Unwanted John

When John was five years old his parents He turned to religion and found that divorced. He was so interested in reorgan- Jesus really loved him. But even Jesus izing her life, that he was shifted to an aunt wanted more from him than he could give. for awhile then another one for a He found another Jesus who bit, then his father remarried and loved him as deeply as she did he was moved again‌ Actually Jesus. he never felt wanted. He was shocked that she Getting married became an became pregnant within six occupation for him. months and he felt he was being He married #1 until she straddled once again. However became pregnant. He left because something different happened. he felt she would spend more He went for a physical and DAN PALMER time with the baby than with him. found out he had contacted a He married #2 and the same thing hap- strong form of cancer with operations and pened and he left. therapy he might have up to five years to When he got to #3 he was sure she would live. John is now quite content with his life. make him her top recipient of her love. She He and his wife console each other about gave him plenty old love but also included his illness. He feels that his deep religious the neighbor down the street, in fact she background is helping him. After all, his felt the neighbor was better than he was so illness will progress and all the time will be she left him for the neighbor. spent helping him with his cancer. That This surprised him because he was usu- will make him completely loved for himally the one who left. self. George.

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SUNNY ISLES BEACH, from front page Summing up sunny predictions for continued success, Talbert noted, “Travel and tourism will always be the number one industry here. We’re going to continue to be more competitive, attract more visitors staying longer, and support job creation. The future looks very bright!” For more information on Sunny Isles Beach, visit www.sibfl.net. For more information on the Greater Miami Convention and Visitors Bureau, visit www.miamiandbeaches.com.

May 15 - 28, 2013

Aventura Police Officer of the Month

AMC Chair Cliff Schulman, Weiss Serota Helfman

TURNBERRY ISLE MIAMI, from front page Marino, and former Miami Heat star, Alonzo Mourning, while honoring the achievements by some of today’s most acclaimed community leaders. “This year’s events brought together some of the region’s most accomplished individuals from our sports and business community, and each year we feel privileged to honor those who have made a difference while raising money for two great causes,” said Tony Fiorentino. “Our two-day fundraiser has built a foundation for honoring local legends in sport and our philanthropic community heroes and we thank everyone involved in making

this year’s events such a success,” said Eric Reid. “We’ve received tremendous support from everyone involved raising an unprecedented amount of money for the families who are coping with the aftermath of sexual abuse and child exploitation. We are extremely grateful for the heartfelt generosity of our community, and we thank everyone for helping make the event such a success each and every year,” Lauren Book, founder of Lauren’s Kids Foundation. For further information, visit www.reidandfiorentinoevents.com.

Ofc. Joseph Antelo

THE DONOWAY CENTER FOR CANCER TREATMENT AND PREVENTION Surgical Oncology Associates of South Florida Robert B. Donoway, M.D., F.A.C.S., F.S.S.O. Surgical Oncology & Breast Surgical Oncology Practice Specializing in Cancer of Breast, Pancreas, Liver, GI Tract, Melanoma, Sarcoma, Thyroid and Parathyroid, Cancer Prevention and Risk Assessment, Surgical Oncology, Breast Surgical Oncology, Endocrine, and Laparoscopic Surgery, Minimally Invasive Image Guided Tumor Surgery, Genetic Cancer Counseling

ROBERT B. DONOWAY, M.D. Medical Director Institute for Breast Cancer Prevention

21110 Biscayne Boulevard • Suite 400 • Aventura, FL 33180 3800 Johnson Street • Suite 400 • Hollywood, FL 33021 17884 N.W. 2nd Street • Pembroke Pines, FL 33029

Phone: 954.986.6366 • 305.682.4993 • Fax 954.986.4355 www.TheDonowayCenter.com


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Parallels in Golf and Life

Patricia C. Frank FRANKLY SPEAKING Every sport has different benefits and different life lessons to learn and incorporate into your life. Every sport has different mantras. A mantra is a catchword or phrase. It becomes a motto or rule of behavior for that particular sport. It is sort of a slogan, a short, catchy, concise phrase that is repeated to aid in concentration. A mantra in golf is “Keep your eye on the ball and follow through.� You could adopt this mantra in your life as well. This caveat may seem over simplified and obvious but its importance cannot be overstressed. In order to succeed and reach your goal you must have a sharp, well-defined focal point. You must be able to focus and stay focused. You must not allow yourself to be distracted by the cheers or jeers of the crowd. Do not let your attention wander Keep your eye on the ball. Keep your atten-

tion on your activities and on your ultimate goal. Following through can make a great deal of difference in life in general and your life in particular. It is vital to follow through. When you follow through in golf you continue the movement of a stroke after the ball has been hit. In life, you have to execute then carry out, complete and finish what you started. You have to continue your action to its conclusion. You must persist and persevere to fulfill and achieve your goal. There is another important lesson from golf that can be applied to your life. The knowledge that things can succeed even if they are not logical is encouraging. For instance, it would seem that a perfectly smooth, round ball would go further than a ball with dimples or imperfections. These seeming imperfections in the golf ball are actually enhancements. The dimples in the golf ball actually make it travel farther. Your seeming imperfections may actually help you go farther too. Your imperfections may turn out to be enhancements. Patricia Frank is a Licensed Psychotherapist. She can be reached at 305788-4864, Psychotherapya2z@gmail.com

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May 15 - 28, 2013

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Millionaire May coming to Mardi Gras Casino During the month of May, Mardi Gras Casino Players’ Club members can step into the lap of luxury and become the next millionaire! Every Saturday and Sunday, players can earn 10 points for a chance to win $1 million dollars in the Million Dollar Vault promotion. During the famous Mardi Gras Fat Tuesdays through May 21st, players can earn 30 points for a chance to win a share of 1 million points in the 1 Million Point Giveaway. For 15 points, The Red Carpet Treatment will be up for grabs to a lucky winner on Wednesdays with 2 VIP tickets to a scheduled event at the BB&T Center. On Thursdays for 50 points, the $10k Lap of Luxury Cash & Bonus Play scratch offers winners up to $10K cash. On Fridays, win a share of 1 million entries towards the Luxury Car Giveaway drawing on May 28th; and for those lucky May birthdays, players can come in one select Friday, play 10 points and receive $10 bonus play. Additional exciting promotions include the Memorial Day Hot Seat from 11 a.m. to 11 p.m., where players have a chance to win $100 bonus play every hour. And don’t forget about all of the special mothers out there with the Macy’s Mother’s Day Makeover,

where 10 lucky winners who have played 20 points will have a chance at being drawn on May 5th to receive a Bobbi Brown makeover on May 12th and complimentary makeup products on May 19th. Along with the fun and exciting promotions, Mardi Gras Casino is offering delicious food and beverage specials such as $5 Margaritas throughout the casino on Cinco de Mayo, a Mother’s Day buffet from 12 to 8 p.m. in the French Quarter Restaurant & Bar, and a Memorial Day buffet on the veranda from 1 to 8 p.m. All guests can enjoy live weekly entertainment including Tribute Bands on Friday nights and additional performers on weekends. Whether its slots, poker, live racing, promotions, restaurants or entertainment, it’s always a party at Mardi Gras Casino! Mardi Gras Casino is located at 831 North Federal Highway on the corner of US-1 and Pembroke Road. For more information, call 954-924-3200 or visit www.mardigrascasinofl.com. Become a fan on Facebook at http://www.facebook.com/mardigrascasino or fo l l o w on twitter at http://www/twitter.com/MardiGrasFl.

CITY OF AVENTURA

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Around d Town n in n Aventura Aventura Hospital and Medical Center hosts AMC Board Meeting Aventura Marketing Council Board Members (L to R): Stephanie Trump, Acqualina Resort & Spa on the Beach; Ben Launerts, Parksman Parking; Doug Zaren, Memorial Regional Hospital South; Aventura Comm. Enbar Cohen; Jeff Ulm, Association Services of Florida; Dianne Goldenberg, Aventura Hospital and Medical Center; Bob Hollander, Brown & Brown Insurance; AMC Chair Cliff Schulman, Weiss Serota Helfman; Eric Soroka, City of Aventura; Jeff Levinson, Coconut Grove Bank; Fernando Levy Hara, mckafka Development Group

Biscayne Cove Condo Association hosts Marc Hurwitz of Crossroads Investigations

AMC Business Development Chair Peter Fishel, CPA; Victor Merced, Biscayne Cove Condo Association; Marc Hurwitz, Crossroads Investigations; Madeline Giardiello, Biscayne Cove Condo Association

Bob Cahn, AFLAC; Donna Joseph, Esq.; Eileen Glastein

AMC members learn Google Ninja Tricks and ‘What others don’t want you to know’

North Bay Village Vice Mayor Eddie Lim and Pedro Alvarez, All Florida Pest Control & Fertilization

Marc Hurwitz; Lance Detotto, Newport Beachside Hotel & Resort; Norman Axelman, Advantage Computer Solutions; Jimmy Gonzalez, Association Services of Florida; Peter Fisher, Woodbury Financial Services; Louis Berlin, Insurance for Enhanced Living/ Berlin Consulting Group


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City of Sunny Isles Beach hosts Bill Talbert, CEO Greater Miami Convention and Visitors Bureau

Andy Lewis, Eisinger Brown Lewis and Claudio Stivelman, Shefaor Development

Sunny Isles Beach Mayor Norman Edelcup and Bill Talbert, Greater Miami Convention and Visitors Bureau (R) present award of appreciation to (L to R) Stephanie Trump, Sase Gjorsovki and Deborah Yager-Fleming, Acqualina Resort & Spa on the Beach

Sunny Isles Beach Comm. Jennifer Levin and Charlene Welker, Mount Sinai Medical Center

Miami-Dade County Comm. Sally Heyman; Mary Lee, Christine Lee’s at Gulfstream Park; Dr. Robert Sheir, Optometric Physician

Dan Palmer, Aventura News (R) presents sponsorship plaque to Sunny Isles Beach Mayor Norman Edelcup

Margo Mankes-Goldstein, Ofc. of MiamiDade County Comm. Sally Heyman and Hallandale Beach Vice Mayor Alex Lewy

Andrew Waxman, Mercantil Commercebank Alayne Yeash, Susan Simpson and Ibis and Aventura Comm. Billy Joel Romero, City of Sunny Isles Beach

Steve Carlton; Ben Launerts, Parksman Parking; Gil Dezer, Dezer Development

Chris Russo, Comm. Jeanette Gatto and Police Chief Fred Maas, City of Sunny Isles Beach Photography by Andrew Goldstein


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City of Sunny Isles Beach hosts Bill Talbert, CEO Greater Miami Convention and Visitors Bureau

Andy Lewis, Eisinger Brown Lewis and Claudio Stivelman, Shefaor Development

Sunny Isles Beach Mayor Norman Edelcup and Bill Talbert, Greater Miami Convention and Visitors Bureau (R) present award of appreciation to (L to R) Stephanie Trump, Sase Gjorsovki and Deborah Yager-Fleming, Acqualina Resort & Spa on the Beach

Sunny Isles Beach Comm. Jennifer Levin and Charlene Welker, Mount Sinai Medical Center

Miami-Dade County Comm. Sally Heyman; Mary Lee, Christine Lee’s at Gulfstream Park; Dr. Robert Sheir, Optometric Physician

Dan Palmer, Aventura News (R) presents sponsorship plaque to Sunny Isles Beach Mayor Norman Edelcup

Margo Mankes-Goldstein, Ofc. of MiamiDade County Comm. Sally Heyman and Hallandale Beach Vice Mayor Alex Lewy

Andrew Waxman, Mercantil Commercebank and Aventura Comm. Billy Joel

Steve Carlton; Ben Launerts, Parksman Parking; Gil Dezer, Dezer Development

Alayne Yeash, Susan Simpson and Ibis Romero, City of Sunny Isles Beach

Chris Russo, Comm. Jeanette Gatto and Police Chief Fred Maas, City of Sunny Isles Beach Photography by Andrew Goldstein


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Tom Ludt joins The Stronach Racing and Gaming Group The Stronach Group is pleased to announce that Tom Ludt has agreed to join the Company as Senior Vice President of the Racing and Gaming Group. Tom has been the President of Vinery Farm since 2004, where he oversaw the breeding operations Vinery owned in Kentucky, Florida and New York. During his tenure, he recruited numerous stallion prospects to stand at all three locations, led the Racing Division, which produced numerous Grade 1 winners including a Breeders’ Cup Champion and an Eclipse Award winner. He currently serves as Chairman of the Board of the Breeders’ Cup and sits on numerous other Breeders’ Cup sub-committees; Governance, Compensation, Finance & Audit, Racing and Nominations, Marketing and Race Day Medication Committee. As a condition of his employment with the Stronach Group, Tom has agreed he will not stand for re-election as Chairman of the Breeders Cup, although he will continue to serve as Director. To ensure there will be no conflict of interest, Tom will recuse himself from any vote of the Breeders Cup Board, which involves future host sites for the event. Alon Ossip, CEO of the Stronach Group said, "We are extremely pleased to have a

person of Tom's knowledge and stature as a key part of our team. He will be a great asset to us as our Group continues to expand within the industry." “I am really excited about this new position and honored that The Stronach Group has the confidence in my knowledge and ability to assist them in advancing the sport of thoroughbred racing and gaming. My passion for the thoroughbred industry has led me through many doors, and this great opportunity is too good to pass up. I can’t wait to get started,” said Tom Ludt. Tom is a former member of the Kentucky Horse Racing Commission, served as chairman of the International Wagering Hub for KHRA and a board member of the Thoroughbred Owners and Breeders Association. Having been involved with many aspects of the industry through ownership, insurance, farm management, developing racing partnerships and stallion syndications, as well as serving on various boards, Tom has helped to achieve significant changes in integrity and safety issues, bringing a diversified perspective to the Thoroughbred Breeding and Racing Industry. For more information on Gulfstream Park Racing and Casino, call 954-454-7000 or visit www.gulfstreampark.com.

O’Connell & Goldberg Public Relations announces new Social Media Director O’Connell & Goldberg (O&G) public re- mantra that ‘good people make good news’.” lations has named Courtney Mimmo earned her bacheHeffernan Mimmo O&G’s lor’s degree in media studies social media director. from The Catholic University Mimmo will oversee digital of America in Washington, media efforts for the agency D.C. An advocate of commuand its clients as well as nity-based causes that benefit guide enhancements to the others, she participates in the firm’s social media brandannual Dan Marino Foundation ing strategies. walk at Sun Life Stadium to A marketing manager support its autism awareness with extensive regional and efforts and is a member of the national client experience, CDC Builders team in the anMimmo previously served nual Walk MS. as digital client manager for Based in South Florida and Courtney Heffernan Mimmo Zimmerman Advertising in New York City, O&G prides Fort Lauderdale, where she itself on connecting clients led successful strategy, social platform per- with key audiences and keeping them releformance, blog content, and web/media unit vant in the marketplace. For 20 years, the analytics initiatives for such clients as At- firm’s unique approach has impacted nulantis, Paradise Island; Friendly’s; QVC; merous industry sectors including retail, and White Castle. She also was creative hospitality/F&B, real estate, education, services coordinator for WSVN-TV News healthcare, not-for-profit and corporate in Miami and project manager at Henninger communications. O&G’s current clients inMedia Services in Arlington, Va. clude Aventura Mall, Anthony’s Coal Fired “Courtney brings an ideal blend of strate- Pizza, Zyscovich Architects, Toll Brothers, gic insight and sharp technology skills for Viceroy Miami, and many more. multiple online platforms – with the ability Visit oandgpr.com, email to also humanize the brand message,” said info@oandgpr.com, or call 954.964.9098 to Barbara Goldberg, O&G’s President and Co- learn more. Find O&G on Facebook at Founder. “Her energy, passion and credibil- facebook.com/OandGPR and follow on ity align well with our culture and agency Twitter @OGPR.


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Savvy community capitalizes on opportunity

Built in 1986, Southview Condominium was one of the first residential projects to grace the City of Aventura as it started to expand beyond West Country Club Drive. It is renowned for its large lot with fewer units per acre than most Aventura condominiums, and is bordered to the east by the Intracoastal Waterway and a nature preserve to the south. Its acreage and beautifully landscaped atria contribute to its park-like setting. Of course, maintaining a picture- perfect community takes a lot of work, and in most cases, foresight. When Southview’s Board of Directors and management realized the city was in the midst of a rebounding economy in 2012, they decided to strike while the iron was hot. Jobless claims were waning, Southview’s delinquency rates were declining but the construction industry was still lagging. The board realized that as demand for construction services rose, so would prices. There was never a better time to maintain and improve Southview’s property values, especially in the wake of a recovering real estate market. “We took advantage of the fact that our residents were doing better financially and we could get really good pricing on projects we really needed to get done,” said Dr. Janie Greenleaf, President of the Board of Directors of Southview Condominium. An aging parking lot that suffered from water accumulation needed to be repaved

and loose railings and cracking and crumbling concrete affecting the community’s catwalks had to be repaired. Additionally, the decision was also made to renovate the pool deck, freshen up the property’s landscaping and install costsaving LED lighting throughout the community. An aggressive process that included bid solicitation and tough negotiations was undertaken by the community to get the very best pricing. The renovations that Southview needed were attained at a cost that was 42% lower than what it would have been in 2008, and the association was able to save 10% to 15% per contract. “With the help of The Continental Group, and, more specifically our manager Denis Rudnev, we were able to zero in on the exact specs necessary to complete the projects before bidding them out to contractors,” said Greenleaf. When the remodel is complete, Southview’s future as one of Aventura’s anchor communities on the Intracoastal Waterway is a bright one. “We are a very unique community and we want to continue to shine, improve and be a desirable place to live,” said Greenleaf. Southview Condominium is managed by The Continental Group. For more information on TCG’s property management services, call 954-925-8200 or visit www.tcgmgt.com.

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Lavish condominium on Hollywood Beach Broadwalk now accepting contracts

Just steps from the Atlantic Ocean, the amenity-rich and luxuriously detailed Positano Beach condominium will be comprised of 17 expansive units—the largest, new oceanfront condominiums currently available in the market—and present prices starting at an unprecedented $1,495,000, or $441 to $585 a square foot, for unparalleled oceanfront living. Located at 3415 North Ocean Drive, Positano Beach will boast water vistas and an unparalleled location, directly along the famed Hollywood Beach Broadwalk. Its exceptional location will offer intimacy while affording residents the comforts of a large residential tower. With prices this low, buyers are moving swiftly on these in-demand residences. Inspired by the scenic coastal town of Positano, Italy and designed by Derek Vander Ploeg of Vander Ploeg & Associates, Positano Beach will sit adjacent to the highly successful development Villas of Positano, a luxury condominium project which sold out rapidly, inspiring this second phase. The Mediterranean-style architecture

of Positano Beach will mirror that of Villas of Positano, creating a unique oceanfront enclave with access to nearby boating, parks, recreational facilities and nature trails. The two properties will share full-service amenities, including concierge and valet services, a multi-function club room, fitness center, pool and spa, cabanas on the Hollywood Broadwalk, and a private marina. Sweeping floor plans range in size from 3,200 square feet to 3,700 square feet and feature expansive terraces—up to 3,000 square feet. Residents will also have the opportunity to customize their units through the developer’s lavish selection of finishes. Adding to its multitude of conveniences, Positano Beach – situated directly between Miami and Fort Lauderdale—will be minutes from a plethora of fine dining and shopping selections. Leading the development of Positano Beach is The Lojeta Group and Millennium Homes. To schedule a personal preview of Positano Beach, contact Bobby Auerbach, 954.547.3600, Debbie Lazoff, 305.903.0118, or visit www.PositanoBeach.com.

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Mount Sinai Foundation Society members enjoy private evening with Saks Fifth Avenue CEO

Steve Sonenreich, president and CEO of Mount Sinai Medical Center with Deborah Slack, vice president and general manager of Saks Fifth Avenue Bal Harbour, and Steve Sadove, president and CEO of Saks Fifth Avenue.

Members the Society of Mount Sinai enjoyed a private audience with Steve Sadove, chairman and CEO of Saks Incorporated. Hosted by the St. Regis Bal Harbour and its parent company the Starwood Group, along with Southern Wine & Spirits of South Florida, the event took place in the hotel’s Astor Ballroom on Friday, April 26. Steven D. Sonenreich, president and CEO of Mount Sinai Medical Center, and Wayne E. Chaplin, chairman of the hospital’s board of trustees and chairman and CEO of Southern Wine & Spirits, also were among the speakers at the dinner. The gathering included more than 170 members of and guests of the Society, which represents the pinnacle of philanthropic support at the medical center. During his presentation titled, “The Role Culture plays in an Organization,” Sadove offered his philosophy on business leadership, noting that the role of a leader is to understand the culture of his company and clearly communicate his strategy and vision for moving the organization forward. He also stressed the importance of giving back to the community. Saks Fifth Avenue Bal Harbour has been

a gracious supporter of Mount Sinai through various fundraising initiatives. In October 2012, The Mount Sinai Comprehensive Cancer Center benefitted from Saks Bal Harbour’s Key to the Cure event, an initiative to help generate funds and awareness for breast cancer. In addition, Saks Bal Harbour collaborated with Mount Sinai during Saks Loves Your Cause, a fundraising initiative to donate a percentage of purchases made with a Saks Fifth Avenue credit card to the hospital. The Society of Mount Sinai dinner also included a special presentation to Harvey R. Chaplin, chairman and chief executive officer of Southern Wine & Spirits and a longstanding supporter of the medical center. Marco Selva, general manager of the St. Regis, also received a special gift in gratitude for co-hosting the event. At the end of the evening, dinner guests received their own parting gifts, including Saks Fifth Avenue Bal Harbour gift cards and a copy of “Bloody Mary,” a beautiful book of recipes for the signature drink from St. Regis hotels around the world. Entertainment was provided by Arthur Barron’s Jazz Trio and Art Poco’s Rat Pack Singers.

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Honda Civic design upgraded with new standard features

Ron Beasley AUTOMOTIVE EDITOR

LET’S TALK CARS The popular Honda Civic returns for 2013 with a host of design upgrades and new standard features, while continuing with the efficiency and value that has made it an icon for 40 years. The 2013 Civic Sedan and Coupe are available in LX, EX, EX-L and Si models, with the Civic Hybrid, Civic Natural Gas and Civic HF offered in the sedan. The entry model DX has been discontinued. The Civic Sedan gets new front and rear exterior styling and the interior on all models received extensive styling upgrades. Up front, a new open-mouth lower bumper with a horizontal chrome accent and a sportier black honeycomb mesh grille is anchored by new integrated fog lights on EX-L and higher trims. The grille is flanked by new clearlens corner lights and the front end flows into a new taller, more deeply faceted hood. To the rear, a new bumper design and trunk lid are capped by a clean, horizontal chrome

trim piece. The rear bumper features integrated reflector treatments and a new lower diffuser panel finished with a honeycomb mesh vent. Restyled wheels on all models help sharpen the look. Under the hood, the Civic lineup includes the fuel efficient, all-aluminum, 140-hp, iVTEC 1.8-liter 16-valve four-cylinder engine (28/39/32 mpg city/hwy/combined) that delivers 128 pounds-feet of torque at 4300 rpm. It’s mated to either a five-speed manual or five-speed automatic transmission. Also available is a sporty all-aluminum, 201hp, i-VTEC 2.4-liter DOHC 16-valve engine paired to a six-speed manual transmission. Other power options include 1.8-liter, 110 hp a natural gas engine (available in 37 states) and a 1.5-liter four-cylinder hybrid powerplant mated to Honda’s Integrated Motor Assist (IMA) system and its lithiumion battery pack. Paired to a Continuously Variable Transmission (CVT), the Civic Hybrid earns a city/hwy/combined EPA rating of 44/44/44 mpg. All Civic models have Honda’s ECO Assist technology, which with the push of the green dash-mounted “ECON” button helps drivers operate the vehicle more fuel efficiently. New safety technologies built into the Civic include the application of the next-gen Advanced Compatibility Engineering II

Civic Sedan has a new open-mouth lower bumper with a horizontal chrome accent and a sportier, black honeycomb mesh grille anchored by new integrated fog lights.

(ACE II) body structure, which includes additional front end structures designed to help increase occupant protection by dispersing crash energy in frontal crashes. Also new are SmartVent side airbags and side curtain airbags with a rollover sensor. Available Forward Collision Warning (FCW) and Lane Departure Warning (LDW) systems make their debut in the 2013 Civic Hybrid. All 2013 Civic models come standard equipped with such features as Bluetooth HandsFreeLink and Audio, rearview camera,

color i-MID display, USB/iPod connection, Pandora Interface, a SMS text feature, steering wheel audio controls, exterior temperature gauge and sliding center-console armrest. Pricing on the 2013 Honda LX Sedan starts at $18,165. Ron Beasley is the automotive editor for Miami’s Community Newspapers. He may be contacted by calling 305-662-2277, ext. 261, or by addressing email correspondence to <LetsTalkCars@aol.com>.

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It’s Not Too Early to Start Planning Your Estate BY CURT HAGEDORN When you say Estate Planning, it causes a variety of reactions. Some people think it doesn’t really apply to them because they don’t have “a lot of money” or property. Others don’t want to think about what’s going to happen after they die, and still others think it’s something to start thinking about after retirement. Like most financial matters these day, however, estate planning is something to get into early, learn as much as you can about and revise and refine as you go along. Life is nothing if not full of random occurrences, and though you may be in your 30s with a new home, two new kids, a great career and a long life ahead of you, not anticipating what may be around the next corner is a gamble you and your family really shouldn’t take. Estate planning encompasses a number of things. Investments. If you want to make sure your family is taken care of when you’re gone, you need to begin investing in their future now. From real estate and mutual funds to items like art, antiques and collectibles, think about your estate as a litmus test for purchasing things that will maintain or increase their current value –

of thought and wisdom rather than impulse. Even something as simple as driving safely and maintaining your car is in some sense an exercise in estate planning – avoiding risk and maximizing value, be it financial or strictly utilitarian. In any case, estate planning is a matter of making long-term investments, of buying low and selling high to a certain extent, and of maintaining the value of your investments, whether they’re mutual funds or real estate. Insurance. In general, the younger you are when you begin paying into an insurance plan, the better the rate. So begin looking into insurance now – you’ll be surprised how much more your monthly bill for the same coverage will be ten years hence. Types of insurance to look into include, of course, homeowners, personal property and life insurance, as well as various types of disability and long term care insurance should you become incapacitated and unable to work. Make sure you understand the terms of your insurance – while more expensive, insurance policies that increase in value over time may be a better investment than those which, for example, expire when you’re 85. If, however, you’re starting late at getting insurance, such “term life” policies may be worth a gamble. Lawyers, accountants, investment planners. Finding a good lawyer, a good accounting and a good financial advisor in whatever combination can be worth its weight in gold, and it’s a good idea to start young. Checking your college alumni association, asking friends and colleagues

and reading financial publications, particularly local financial news, are all good ways of identifying potential professional help. Find people and companies you can trust and stay with them – these are, next to your immediate family and work, the most important relationships you’ll build over your lifetime. And be a tough customer – if you have a question, ask it and, just as you would with a doctor, if it’s a matter that you still don’t understand or even if you just have a gut feeling, get a second opinion. Wills, Powers of Attorney and other legal documents. Again, the earlier you make these arrangements the more protected and secure you, your family and your assets will be. Though there are often a lot of emotional issues around creating a will and contemplating your own or others mortality, try thinking of these things as constantly changeable documents – and treat them that way based upon changes in your own life, from buying property to getting a divorce to having another child. Making sure your will and other documents are up to date for you, your spouse, and your family is perhaps the simplest and least time consuming of all Estate Planning chores, and can greatly increase the sense of security that both you and your family have against unforeseen events. Exercise common sense. Planning your Estate is basically about caring for your loved ones, don’t complicate it by trying to use your Estate to resolve relationship conflicts or settle old scores – be fair and take the long view.


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Creating A Living Trust BY CURT HAGEDORN One of the more popular ways for individuals to arrange for the disposition of their assets after death is the establishment of a “revocable living trust.” In the simples possible terms, this is the creation of a separate entity - My Living Trust, for example - which assumes titular ownership of all of your assets during your lifetime and which is under your control as Trustee. Anyone whom you wish to benefit equally in the distribution of the assets is listed as a subsidiary Trustee and, upon your death, Trust assets automatically devolve to these individuals (or other entities) without being required to go through probate. Though this is the simplest way of understanding how a Trust works, remember that, depending upon your assets and financial/personal situation, there may also be other avenues of estate planning of benefit to you and your family, and that it is best to get the advice of a reputable estate planner and/or lawyer before proceeding with any legal actions concerning your estate. Here are a few things to keep in mind about Trusts: 1) The words Revocable Living Trust describe exactly why they have become so popular - it is a way of retaining control over all your assets while your are still living, can be revoked by you at any time, and yet basically places your entire estate or any part of it you decide to include in “Trust” for your beneficiaries after death. If your wishes for the distribution of your estate are more complicated than that, you will need to consult your lawyer about other options. 2) Many assets, including bank accounts, your home and your car, can be designated as POD or “Payable On Death” to one or more individuals, thus also avoiding probate and perhaps obviating the need for a Living Trust. These rules vary from state to state, and you should check with your lawyer to make sure that these options can be exercised and if the consequences vary from establishing a trust. 3) Normally, the establishment of a Revocable Living Trust also requires the establishment of a successor Trustee/ Trustees (which in many cases is the beneficiary, for example, in the case of a spouse when there are non-marital assets) as well as a Power of Attorney, Living Will and Last Will and Testament. These documents together basically seek to deal with any contingencies - a Power of Attorney designates a person or entity to be in charge of your assets should you become incapacitated and unable to handle your own affairs, a Living Will allows you to exercise your right to refuse extraordinary resuscitation measures and often designates an individual responsible for “pulling the plug”

should you be on extended life support and of course, your Last Will is not only your final opportunity to communicate with your loved ones regarding your wishes concerning your assets but also can designate your wishes for disposal of any property not covered by the Trust, Again, this is the simplest way of understanding these documents, and they can contain many variations and contingencies which should be determined with the help of a qualified legal representative. 4) Remember that a Revocable Living Trust is different from a Trust Account - a Trust Account being a specific financial account set up to hold monies or assets in trust for a variety of reasons. For example, lawyers often have a number of Trust Accounts set up to receive retainers and other fees from clients for work that has not yet been performed, or to receive settlements, which then will be disbursed to clients. 5) Whatever type of retirement planning you decide to do, do not procrastinate. It is better for both you and your loved ones to have these matters clearly delineated with no confusion whether you’re starting out or anticipating the end of your life. 6) In today’s complicated financial world, the same thing applies to your finances as applies to your health - get a second opinion. If you do not understand some element of your estate planning, consult another professional. Also, don’t forget that your local bookstore, library or college and university has information and classes that can help you get a foundation of knowledge about estate planning.


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Plan for ‘financial longevity’ BY BARI AUERBACH

Beyond stocks and investmentproducts, discussions with financial advisors may also encompass the merits of annuities, bonds, CDs, exchange-traded funds, futures and commodities, IRAs, market linked investments, mutual funds and unit investment trusts.

At 95, Nola Ochs became the oldest college graduate; skydiver Mary Armstrong celebrated her 90th birthday with a 12,000 foot jump; and at 93, Bert Kilbride was still scuba diving…Today, “80 and older” is the fastest growing segment of the total U.S. population. Dramatic growth in life expectancies and energetic lifestyles are now enabling us to live 20 to 25% of our lives in active retirement. Recognizing Americans are living longer than ever before, many financial advisors and tax professionals have created niche specialties focusing on creating highly personalized financial longevity strategies you can start implementing at any age to plan for the future - today. ‘Ready for Retirement?’ Virtually every week on The Today Show, Willard Scott congratulates centenarians celebrating long lives – but he doesn’t address serious concerns like “Did you save enough for such a long retirement horizon?” and “How is inflation eroding your purchasing power?” Considering a myriad of variables can impact retirement income, working with a financial advisor to develop a personalized portfolio can help you reap the benefits of services such as in-depth analysis of current economic outlooks; and vigilant monitoring of international conditions influencing optimal ways to take advantage of global market trends. So you can be the “master of your own destiny,” financial advisors can also help devise master financial plans determining how a good asset allocation strategy can help manage investment opportunities and risks. A trusted financial advisor can help you set realistic goals and develop a financial plan to meet them; live within your means; gain a basic education about investments, taxes,

insurance, estate and retirement planning; and suggest ways you can diversify so you don’t have too many eggs in one basket. Ric Edelman, heralded as the nation’s #1 independent financial advisor, hosts a radio talk show routinely featuring segments on how to prepare for retirement. Primary considerations he recommends include: Determining how much money you’ll spend monthly; anticipating the cost of health care; purchasing long-term care insurance; refinancing your mortgage; boosting cash reserves; evaluating sources of income; revising investment strategies to keep pace with the rising cost

of living; and reviewing your estate plan. ‘Take Stock of Options’ If you’re investing in stocks, your financial advisor should provide you with a wide range of stock investing services such as developing personal asset allocation strategies; selecting individual stocks; assisting with decisions about when to buy and sell stocks; and frequently providing stock portfolio reviews. Potential investors need to explore questions such as “What are my investment goals? How much risk am I willing to take? and How can my stock investments work with the rest of my investment portfolio?”

‘Go With the Pros’ At 70, Roger Alsopp swam the English Channel and Yuichiro Miura climbed Mt. Everest; at 98, Keiko Fukuda earned her tenth degree black belt; and at 102, “born to be wild” Bess Tancrelle was still riding her motorcycle…Vitality, compounded by uncertain economic times, makes consulting with a financial advisor even more of a vital necessity when it comes to developing effective, long-term financial solutions. Today, many public accounting firms are taking a comprehensive approach to helping clients attain financial security in an ever-changing environment. Smart tax and financial planning is practical in any environment, but in light of recent legislation passed to avoid the “fiscal cliff,” now is an especially prudent time to reevaluate business and personal plans. CPAs can help devise tax strategies such as deferred compensation IRA’s; and they often work with personal investment advisors to help ensure financial security goals are attained. Plans can always be periodically revised to accommodate changing market and tax laws as well as evolving life circumstances. ‘Plan for the Future - Today’ At over 90-years-young, comedienne Betty White is still “Hot in Cleveland”; also still quite vital at 90, Nahu Ram Jogi fathered his 21st child…Through every stage of investment planning, financial advisors can help you plan for the future today so you can enjoy singing the praises of retirement tomorrow…somewhat like the world’s oldest woman, Jeanne Calment, who released a rap album when she turned 121!

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Florida Healthcare Plus’ focus on quality customer service BY DONNA SHELLEY

One topic that is uppermost in the minds of most Americans ages 65 and older is the availability of quality healthcare. Among companies offering managed care in the state the people at Florida Healthcare Plus (FHCP) believe that their focus on quality customer service and cost-effectiveness make them the obvious choice for Medicare and Medicaid beneficiaries. FHCP started out in 2004 as a pre-paid health clinic plan, addressing the needs of lower income families. Today, its is a licensed Florida HMO (health maintenance organization) with branches in Miami, West Palm Beach, Orlando and Tampa. Focused on serving the needs of its members, FHCP’s community-based operations offer Prepaid, Medicare and Medicaid managed care programs. Placing service and concern for each individual member at the forefront of its corporate model, FHCP’s director of marketing, Abram Rodriguez, explained that the company is focused on preventative healthcare methods as a way to cut high medical costs. “We bring a lot of innovative benefits to Medicare, based on our motto that service

Pictured in the Coral Gables office of Florida Healthcare Plus are Abram Rodriguez, director of marketing, (left) and Peter Hernandez, chief operating officer. –––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––––

comes first,” Rodriguez said from the company’s Coral Gables office. One such feature is the over-the-counter debit card that is recharged in $100 increments every month. The member can use the card at Walgreens, CVS, Family Dollar and Dollar General to purchase 25,000 health-related products, from aspirin to blood pressure cuffs. Another is FHCP’s unlimited van service for members, offered free of charge for doctor appointments, trips to the gym and even grocery-shopping outings. The company has purchased its own fleet of comfortable Mercedes-Benz Sprinter vans, operated by drivers trained and employed by FHCP. Free gym membership is offered to all

members and dieticians are available to accompany members on van-assisted grocery shopping trips to provide guidance for those who need advice on the best food products for their particular health issues. Other plans such as dental and eye health programs are available. FHCP’s coverage is worldwide and accompanies the member wherever he or she goes. By limiting costs and practicing prevention, FHCP, a relatively small company, can invest the savings into benefits instead of rewarding a large group of stockholders, as is done by larger HMOs. The doctors who are providers with FHCP are incentivized to keep people in good health and receive assistance from FHCP to help cover the costs of implementing and maintaining electronic health records of members. FHCP also prides itself on the strength of its Social Services Department. It is ready to courteously and efficiently assist members with any service that is offered by the DCF, such as Medicare and Medicaid information, food stamps and home delivered meals and phone assistance. A hallmark of FHCP’s company is its concern to educate members on the services available to them. New member orientation takes place at local restaurants where benefits are explained in a relaxed, friendly environment, and staff is on hand throughout the year to assist the members and to help them navigate their way through the Medicare and Medicaid systems. Providing a community-based, clientcentric managed care service is at the heart of what FHCP offers. “What I like about my job is seeing people happy. We are sensitive to the needs of our members and our providers. We give true preventative care and pass the savings along in more benefits for our members,” said Peter Hernandez, chief operating officer. To learn more about FHCP, call 305888-2210 or visit the website at <www.floridahealthcareplus>.


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See Dr. Leon Egozi for ‘quick, painless’ hemorrhoid relief BY BARI AUERBACH At the Aventura office of Dr. Leon Egozi, patients are receiving non-surgical, “fast, painless, proven” relief from hemorrhoids with the revolutionary CRH O’Regan System®, considered to be the gold standard in hemorrhoid treatment. More than 99% effective, this minimally invasive procedure can be performed in the comfort of Dr. Egozi’s office in only a few minutes - and recurrence is rare. Hemorrhoids are cushions of swollen tissue and blood vessels in the lower rectum that can cause negative symptoms such as itching, bleeding and swelling, which can get progressively worse over time if not treated properly. Deemed “much safer than traditional banding,” the CRH O’Regan System® hemorrhoid treatment cuts off blood supply to the hemorrhoid by placing a tiny rubber band above the swollen tissue. The hemorrhoid tissue will begin to shrink and after a few days, the band will fall off, eliminating along with it the negative symptoms the patient may be experiencing. Unlike traditional banding techniques that use a metal-toothed clamp to grasp the tissue, a single-use, disposable, gentle suction device is used to reduce the risk of pain or bleeding. While the CRH O’Regan System can banish “roid rage,” Dr. Egozi advises

reducing the chances of developing them by avoiding high-fat, low fiber foods associated with constipation; drinking at least seven or eight glasses of water daily; and adding 15 grams of fiber to your diet. A board certified, general surgeon, Dr. Egozi has been treating hemorrhoids for years. In 2007, he became one of the first surgeons trained to administer the CRH O’Regan System for hemorrhoid banding. Since then, Dr. Egozi has helped countless patients with symptomatic hemorrhoids attain relief with no pain or down time, enabling them to return to their normal activities the same day following treatment. Dr. Egozi studied at the University of Miami and earned his Doctor of Medicine degree from the Medical College of Wisconsin in Milwaukee, Wisconsin. He completed his general surgery internship and four year residency in surgery at Flushing Hospital and Medical Center/Albert Einstein School of Medicine; and in 1992, he opened a private practice in Miami. Dr. Egozi is currently on staff at various hospitals and serves on the Medical Executive Committee of a premier ambulatory surgery center. For more information, or to arrange a consultation with Dr. Leon Egozi, phone: 305-504-2111. The Aventura office is located at 21150 Biscayne Boulevard, Suite 302.

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Healthy elderly people with daytime sleepiness face higher risk of cardiovascular-related death Healthy elderly people with daytime sleepiness face higher risk of cardiovascular-related death American Heart Association rapid access journal report Study highlights: • Elderly people with regular or frequent excessive daytime sleepiness may have a higher risk of overall and heart-related death. • Excessive daytime sleepiness may be an important indicator of risk of death. • Researchers suggest physicians survey elderly patients about their sleep habits. Healthy elderly people who regularly feel very sleepy during the day had a significantly higher risk of dying from cardiovascular disease, a study reported in Stroke: Journal of the American Heart Association. Elderly people who reported regularly feeling sleepy during the day had a 33 percent increase in relative risk of overall death compared to those who didn’t feel sleepy. Even after researchers adjusted for such other risk factors as age, gender, body mass index and previous cardiovascular disease, the sleepy people also had a 49 percent increase in relative risk of cardiovascular death.?Researchers conducted the Three-

City Study for six years in France, following 9,294 elderly people without evidence of existing cancer or cardiovascular disease and who did not live in nursing homes or other care facilities. “Complaints of excessive daytime sleepiness are very frequent in the elderly but there have been few studies relating daytime sleepiness and mortality in the elderly and those results were mixed,” said Jean-Philippe Empana, M.D., Ph.D., lead author of the study and a researcher at Inserm, the French Public Institute on Health and Medical Research. In Empana’s study, the average age of participants was 74 years old and 60 percent were women. At the onset of the study, participants completed a short questionnaire (derived from the Epworth sleepiness scale, a validated questionnaire to assess daytime sleepiness) to report whether they felt sleepy during the day: 14 percent said “regularly” and 4.7 percent “frequently.” After following the participants for six years, 762 had died. Of the deaths, 34 percent were because of cancer and 26 percent were from cardiovascular disease. Although the results point to an associ-

ation between excessive daytime sleepiness and an increased risk of cardiovascular death, Empana said, “we are far from having a clear explanation.” Two-thirds of the participants had an ultrasound exam of their carotid artery, and investigators found no association that an increase in carotid plaque would explain. “Also, we thought there might be an underlying sleep apnea syndrome, so we looked at snoring and obesity, but once we adjusted for that, we still have a significant association between excessive daytime sleepiness and cardiovascular disease death,” Empana said. Researchers are unclear on whether the sleep complaints are a symptom of an underlying disease or whether the sleepiness triggers or worsens a disease. Physicians should ask patients about their sleep habits and closely monitor elderly patients for signs of excessive daytime sleepiness, Empana said. “These data may have clinical implications adding to the body of evidence that excessive daytime sleepiness is not a benign but rather an important risk marker of death in community-dwelling elderly,” he said. “The main aim is to be aware of sleep complaints and to look for them routinely in the elderly, because it may be associated with the worse prognosis.” The Three-City Study is conducted under a partnership agreement between the Institut National de la Santé et de la Recherche Médicale (INSERM), the Victor Segalen–Bordeaux II University, and Sanofi-Aventis. The Fondation pour la Recherche Médicale funded the preparation

and initiation of the study. The 3C Study is also supported by the Caisse Nationale Maladie des Travailleurs Salariés, Direction Générale de la Santé, MGEN, Institut de la Longévité, Conseils Régionaux of Aquitaine and Bourgogne, Fondation de France, and Ministry of Research–INSERM Programme “Cohortes et collections de données biologiques.” Co-authors are: Y. Dauviliers, M.D., Ph.D.; J.F. Dartigues, M.D., Ph.D.; K. Ritchie Ph.D.; J. Gariepy, M.D.; X. Jouven, M.D., Ph.D.; C. Tzourio, M.D., Ph.D.; P. Amouyel, M.D., Ph.D.; A. Besset, Ph.D.; and P. Ducimetiere, Ph.D. Individual author disclosures can be found on the manuscript. Editor’s note: For more information on stroke, visit the American Stroke Association Web site: www.strokeassociation.org Statements and conclusions of study authors published in American Heart Association scientific journals are solely those of the study authors and do not necessarily reflect the association’s policy or position. The association makes no representation or guarantee as to their accuracy or reliability. The association receives funding primarily from individuals. Foundations and corporations (including pharmaceutical, device manufacturers and other companies) also make donations and fund specific association programs and events. The association has strict policies to prevent these relationships from influencing the science content. Revenues from pharmaceutical and device corporations are available at www.americanheart.org/corporatefunding.

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Insuring Good Health for Retirees BY SARAH KOCH While there are a number of good things about getting older, obtaining adequate health insurance isn’t one of them. According to the Employee Benefit Research Institute (ERBI), only about 37 per cent of those retiring before age 65 will continue to have now former-employer-based health coverage, and only 27 per cent of those who retire at 65 or older will do so. Even if you’re thinking that retirement for you is a long way off, just know that, according to experts, Medicare will run out about 2030. Even if you fall into one of the above minorities, you’ll probably be required to pay full premiums, which can be a shocker. Still, though, you’ll be paying a group rate, not individual, and you’ll likely be getting broader coverage than you would with an individual policy. Even if you’re told that your — and your dependents’ — coverage will end on your last day with the firm, check to see if the federally based COBRA law applies. Under COBRA, certain businesses must offer their former employees insurance coverage, even if at full premium. Excuse me, but haven’t you ever heard of Medicare? Indeed I have, Smarty-pants. But Medicare, on the average, covers less than 50% of a senior’s health costs. And that fact brings us to Medigap (Medicare Supplemental) that can be used to fill in some of the cracks. In order to get it with a minimum of fuss (i.e., no physical exam, or questions about your health) be sure to apply for it within six months following your 65th birthday. Medigap offers ten individual and varied plans, each with the same minimum benefits. If you think it’s likely you may need long-term health care (whether in-home or in a nursing home), be aware that Medicare covers only about 10% of such expenses in the US. That’s when you might turn to Medicaid. To qualify for this, though, you have to fall below the poverty line, which measurement varies from state to state. OK, grim though that this all may sound, buck up, Sparky! It’s not like there aren’t options. Options, did you say? Yep. To begin with, you could try putting aside enough to cover those possible health/long-term care expenses. Per the ERBI again, that would mean saving up about one million dollars to cover such potential costs over the remainder of your life following retirement. This amount, of course, doesn’t include what you’d need for your everyday expenses. Yes, I know – yipes! Well, thank heavens, that’s not the only choice. So, if your former employer drops you altogether, you can look into private insurance policies (expensive) or a group insur-

ance package, which would prove more economical. Then again, there may be more options. Such as: How do you feel about further education? You might be able to acquire health coverage by returning to school. Many junior colleges and universities offer relatively inexpensive insurance for their students, and you may only have to take a couple of courses a semester to qualify, just as long as you’re building towards a degree. Have you wanted to move? I ask because health insurance costs vary from state to state. (This is true for auto and home insurance as well.) The bright side here is that this is true, even for people who are already suffering from ill health. At that, there are countries in both Latin America and Europe with socialized health care, though there could be either a period of residency that must be met, or you may have to marry a native. Then again, that may not be such a sacrifice. Travel is so broadening . . . and would make you eligible for traveler’s health insurance. Then again, for those of you in the military, check out TRICARE. Also, have a thorough physical before your retirement date, and fully document any injury you received while serving, however minor. (What’s trivial seeming now could develop into something more serious in the future.) In addition, to protect your chances of a successful later claim, also note any preexisting conditions that became aggravated during this period. If you don’t have such evidence, then you may be unable to make a successful claim later on. Even if you eventually pick up insurance from another employer, as a veteran, you may be qualified for special benefits, so investigate fully. At that, for those who retire too early to qualify for Medicare, there may be the possibility of “interim” insurance. In fact, depending on your given profession, and the state where you live, there may be special options open to you, so don’t fail to ask questions! A few last words . . . Before beginning your search for the most appropriate coverage, ask yourself the tough questions. “ What kind of health coverage might I need?” (There’s no need to pay for what you won’t likely use.) “What’s my family history like?” If heart problems, say, run in the family, then it would be smart to plan for that eventuality. As for advice, you’re not in this alone. Contact a trusted insurance agent, scour your Yellow Pages for a local agent, or call the American Association of Retired Persons, also listed in your phone book. Any of these folks can help steer you in the right direction, answering your questions, and even helping you to decide what questions to ask.

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SensiCARE of South Florida ‘always there’ to lend a helping hand

BY BARI AUERBACH

If there ever comes a time when you or a loved one is in need of a helping hand, SensiCARE of South Florida can be there to help make life easier, either at home or in a health-care setting. Any time, day or night, highly qualified, certified nursing assistants or registered nurses are available to provide professional, compassionate personalized care and support carefree independent living. Family owned and operated, SensiCARE of South Florida serves clients throughout Miami-Dade and Broward counties who are receiving expert assistance with a myriad of daily living activities or appreciating the peace of mind that comes with knowing friends or family members are being cared for by trusted caregivers. Individual needs, preferences and circumstances can always be accommodated. Imagine not having to worry because you know medications are being taken; meals are eaten at the right times; transportation is provided for doctor appointments, shopping or errands; light housekeeping is ensuring a neat and clean environment; good grooming goes without saying; and enriching activities are helping to promote alert minds and healthy bodies. No contracts are ever required. SensiCARE of South Florida clients can participate in the development of customized programs identifying life goals; current and future safety and security concerns; health, fitness and dietary plans recommended by health care providers; household management and maintenance needs; and special activities or itineraries. Now that Americans are living longer than ever before, and the fastest growing segment of the population is over 85, how to age healthily and happily is a modernday challenge. Knowing SensiCARE of South Florida is there to help address obstacles associated with the aging equa-

tion is comforting for every “young at heart” client and family members who may not live close by. A physical or mental limitation doesn’t have to create isolation; and falls or other serious accidents can be avoided when SensiCARE of South Florida is there for crisis intervention and prevention. Beyond caring assistance and companionship, clients feel secure knowing the SensiCARE of South Florida mission is based on maintaining the highest ethical standards of integrity and professionalism. All personnel, nurses and caregivers undergo level-2 nationwide background screenings, encompassing state and national fingerprint history checks. SensiCARE of South Florida is also routinely recommended by physicians, case managers, family and friends. In keeping with the compassionate company motto, “It Makes Sense to Care,” whether it’s early morning and a healthy breakfast needs to be prepared before getting to a doctor appointment on time…it’s getting late at night and one more dose of medicine needs to be taken before bedtime… or it’s a holiday and you thought no one would be available, SensiCARE of South Florida is always there, 24 hours a day, seven days a week. For more information about arranging a consultation and types of long-term care insurance accepted, phone: 305-947-9611 in Dade, or 954-704-9492 in Broward.


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Cool Jobs for Seniors BY CURT HAGEDORN

More and more seniors are entering or re-entering the work force these days and for a variety of reasons ranging from financial need to just plain wanting to get out of the house. We’ve all seen the ads with octogenarians waiting on counter at the local fast food restaurant or greeting customers at WalMart, but there are many other options out there for seniors that can allow them to supplement their income or just continue to contribute their knowledge and life-long wisdom to their communities. Consulting. Depending upon your skills and prior occupation, many savvy seniors are finding that the rise of home computing has allowed them to keep a presence in the workforce even after retirement. Accounting, tax preparation, real estate sales, financial advising and business planning are all avenues where seniors can apply their lifelong experience to assisting individuals and small businesses on a consulting basis. For seniors who don’t need the additional income, many locales also have mentor programs whereby qualified former executives and other professionals can volunteer to assist small businesses and non-profits as expert advisors. Volunteering. Whether it’s for your local church, soup kitchen, animal shelter or

wildlife conservancy, seniors often have the time, the energy and the creativity to make a real difference in supporting these various community programs. Any not for profit or community organization that is not making adequate use of the tremendous assets of seniors in their community should seriously consider reaching out to them, and seniors should most definitely consider volunteering their efforts to assist with or create programs to support local philanthropic organizations. Starting a Home Business. In just about any group of seniors, there’s enough combined work and life experience to establish any number of viable small businesses. From marketing baked goods to local restaurants and gourmet stores to creating any number of decorative items to turning a basement carpenter’s shop into a wooden toy factory, the limits are pretty much only imagination and stamina. While you might not want to put your life savings at

risk, starting a home business on a small scale can often be managed without too much expense and can provide an outlet for skills and dreams which you might have foregone for your entire working life. Mentoring and Teaching. Many other cultures revered their senior citizens for the accumulated experience and wisdom of their years, and Americans are slowly learning to do the same. If you’re an expert in a certain field or even if you’re just an acknowledged master at something like sewing or crocheting, you may find a pool of willing students in your community who would like nothing better than for you to pass on your skill and knowledge to them. Try contacting your local community center, adult education outlet or college or university department of continuing education with a proposal that they help you pass your life-

long expertise down to the next generation. Caring for future generations. Depending upon health, level of mobility and stamina, seniors are often the go-to family members for child care – there’s no reason why they shouldn’t be paid for it. Though you may not be up to running a day care center for a large number of children, you may be surprised to find how much help you can be at an existing day care center, or simply providing a place to go for some neighborhood children for that difficult to schedule time period between after school and when their parents come home from work. If you’re considering any kind of child care, it’s important that you honestly assess your abilities and desires in this area – parents these days may be more specific or differ in their views on things like diet, activities, and punishment and you just want to make sure you’re an old dog that really wants to learn some new tricks. Finally, remember there’s safety in numbers. Ventures which you might not want to undertake on your own may suddenly become doable if you include a friend, or a group of friends. Keeping actively involved in life, in your community and with other people is often the key to making a semi-retired retirement the perfect blend of energizing activity and deserved rest and relaxation.


May 15 - 28, 2013

AVENTURANEWS.COM

‘Ageless Fitness’ BY BARI AUERBACH

“Fitness is a fountain of youth!” A statement proven time and again by the exceptionally fit people often seen at gyms who look at least ten years younger than their actual age. The “no excuses” truth is, it’s possible to start exercising at any age – and long-term studies show being active can cut the risk of premature death by as much as 50 percent. One of the first steps to “defying gravity” and looking forever young is to learn more about what happens to our bodies as we age. After age 30, fitness levels can decline, leading to a tendency to put on weight. Bone and muscle loss begins around age 35. Flexibility and strength are also on the decline, as body fat levels and blood pressure are on the rise. A whopping 50% of these changes are a direct result of inactivity. With regular exercise you can take control of your life, delay and even reverse adverse effects associated with aging. Major fitness components that can have the greatest impact on preventing falls and prolonging independence include body composition, strength and power, aerobic capacity, flexibility, balance and mobility. Physical fitness can also help improve the ability to perform every day functional activities such as lifting and bending. So choose to move! Research shows that even people in their 90s have seen up to a 200% improvement in strength within a few weeks of starting an exercise program. “Looking and staying young is easier than you might think,” explains Delia Cicale, co-owner of Olympia Fitness Center. “I’ve been exercising since my twenties and now, I’ve been able to maintain my weight and look by best at 60. My husband, Pete, and I both follow a very diverse workout program incorporating strength training, flexibility and aerobic exercise.” Strength training is especially beneficial for developing lean muscle mass and increasing your body’s ability to burn calories – even while at rest. Studies have shown women who joined men incorporating strength training in their exercise program lost an average of 44% more fat than

those who didn’t. Stretching daily to enhance flexibility can also help maintain elasticity in muscles and reduce the risk of joint disease. Aerobic exercise bolsters immune function, lowers blood pressure and can keep your heart healthy while stimulating cell growth, enhancing mental condition and increasing brain function in older adults. Exercising also triggers the release of endorphins which can counteract depression. Proper diet is another critical key to finding the “fountain of youth.” An antiaging diet, rich in antioxidants, can prevent damage to the heart, arteries and other tissues. As a result of the natural aging process, men - and especially ladies lose lean muscle mass every year and replace it with fat. This is a primary reason why weight control and weight loss becomes so much more difficult then when you were 18. One pound of fat burns only about four calories per day, while one pound of muscle burns approximately 50 calories per day. Experts agree, being active and exercising regularly is probably the number one thing you can do to slow the aging process and improve vitality. “Exercise can be described as a real lifesaver,” the Cicales energetically proclaim. “It can help you reduce stress, feel revitalized, happy, stronger, more confident, young and alive!”

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Finding Part Time Work to Supplement Your Income BY AMANDA KNOLES

In years past it was common to work at one company for an entire career and spend the retirement years traveling, playing golf, or pursuing hobbies. Today with increasing financial demands and changes in social security laws raising the retirement age above 65, many Baby Boomers expect to work at least part time during their retirement years. After decades of being on the fast track in the working world, some people find it hard to stop working abruptly at retirement and prefer to keep busy in another job at least part time. A skills-based resume is an effective way to highlight your experience and accomplishments without calling attention to your age. Try to list skills that can apply to a variety of positions such as supervising others, customer service, making sales calls, organizing databases, research, budget management, etc. Don’t forget to list any volunteer or management experience you may have even if it was in unpaid positions. When you begin your search for a part time job it’s a good idea to approach smaller businesses and nonprofit organizations that have a tendency to be more flexible in hiring older workers. If you enjoy working with kids, consider applying to work as a teacher’s assistant. There is a huge demand in private and public schools and many school systems allow on-the-job training. You may be able to transfer your business skills into a consultant position. Talk with past work contacts and associations within your industry for leads on part time financial, marketing, project management and other opportunities. Many mature workers who have spent years in office jobs enjoy expressing their

creativity in a part time job related to a favorite hobby. If you love antiques, you might consider working at an antique shop or helping a local dealer acquire and appraise new inventory. Gardening enthusiasts might work for a florist, a home and garden shop, or for a landscape designer. Even if you aren’t skilled at floral or garden design, many florists and nurseries need people to work part time making deliveries and taking orders especially during busy seasons like Valentine’s Day, Mother’s Day and Christmas. If you enjoy working with people, talk with your local bank about becoming

a new accounts representative, teller or financial consultant. Museums, amusement parks, casinos, resorts and restaurants are always in need of friendly people to work as tour guides, ticket takers, servers, etc. Avid readers or music fans are a natural for working in bookstores and music shops. Or put your knowledge as a movie buff to work at a video rental store. Many hotels, retail stores, apartment complexes and businesses hire seniors to work as security personnel or as information agents for a front lobby. Those with a background in security or police work

may find part time work as a security screener at the airport. Contact the Transportation Security Administration for more information or check with your local airport authority for details on positions that may be available. Travel enthusiasts may want to look into tour guide opportunities or even teaching English abroad. Many airlines also employ mature workers to work as airport reservationists, food preparation staff, baggage handlers, or to staff reservation call centers. If you worked for years in a construction job and no longer want to wield a hammer and saw, you may be able to transfer your years of experience on job sites to a new position involving project management or supervising inventory. It is important to convey how your years of experience in other industries can benefit a new company. Talk about transferable skills that relate to the job at hand. Be convincing about your ability to adapt to new situations and use your time in an interview to demonstrate your pleasant personality and willingness to work with others. Don’t forget to mention hobbies, interests and volunteer experience. For example raising funds for a charity is relevant if you are applying for a sales job. Be prepared to address employer comments that you are overqualified for a position. You might explain that you are looking to expand your knowledge by exploring a different field. It is against the law for employers to discriminate because of age but you may have to address subtle references to it. Let the employer know that you are enthusiastic, computer literate (if applicable) and open to learning new things. Be honest about explaining any gaps in your employment. If you took time off to care for a spouse, or you were laid off, explain the circumstances and emphasize that you are ready to return to work.


May 15 - 28, 2013

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How to Manage Uterine Fibroids following symptoms: • Changes in menstruation : Dr. Rohana • Longer, more frequent, or heavy menstrual periods Motley-White • Menstrual pain (cramps) MOUNT SINAI HEALTH CORNER Uterine fibroids are benign (non-cancerous) growths that develop in or just outside a woman’s uterus due to normal uterus muscle cells that start growing abnormally. They are the most common type of growth found in and around a woman's pelvis. In fact, many women have uterine fibroids at some point in their life. Fibroids can be found during a routine pelvic exam with your gynecologist. No one knows what causes uterine fibroids, but their growth seems to depend on estrogen. Uterine fibroids don’t develop until after puberty, and usually after age 30. They tend to shrink or disappear after menopause, when estrogen levels fall. African-American women tend to get uterine fibroids two to three times as often as Caucasian women, and also tend to have more symptoms from uterine fibroids. Other factors may influence development of uterine fibroids such as pregnancy, early menstruation, taking birth control pills or having a family history. In most women, fibroids remain small and do not cause symptoms. However, in some women, fibroids can cause problems due to their size, quantity, and location.. Some experts believe that some uterine fibroids can occasionally interfere with fertility and pregnancy. Rarely, a uterine fibroid projecting into the uterus might either block an embryo from implanting there, or cause problems with the pregnancy later. Some symptoms associated with uterine fibroids may also be signs of other issues. You should see your doctor if you have any of the

• Vaginal bleeding at times other than menstruation • Anemia (from blood loss) • Pain • In the abdomen or lower back (often dull, heavy and aching, but may be sharp) • During sex • Pressure • Difficulty urinating or frequent urination • Constipation, rectal pain, or difficult bowel movements • Abdominal cramps • Enlarged uterus and abdomen • Miscarriages • Infertility Many treatments exist for uterine fibroids and depend on individual circumstances or the need to preserve fertility. Some treatments include: • Surgical removal • Cutting off the blood the supply to the fibroid through uterine artery embolization • Removal of the uterus • Medication to shrink the fibroids Women who wish to undergo treatment for uterine fibroids, should have a thorough evaluation with an obstetrician–gynecologist to ensure the appropriate therapy and ensure that the reproductive wishes of the patient are also taken into consideration. Dr. Rohana Motley-White is board certified in obstetrics and gynecology. She sees patients at both Mount Sinai Medical Center in Miami Beach, as well as in Mount Sinai Aventura’s multi-specialty physician office. For more information, or to schedule an appointment with Dr. Motley-White, call 305674-CARE (2273) or visit msmc.com.

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DO YOU WANT TO RENT OR SELL YOUR HOME OR CONDO? If so, feel free to send us your classified ad, up to 50 words and we will print it in the Aventura News, absolutely free. Yup, NO CHARGE, TOTALLY FREE. Just email it to one of the guys in charge: mmiller657aol.com and he’ll take care of it. If you would rather fax it, please send it to: 305-662-6980 Attention: Michael Miller. And thank you for reading the Aventura News.


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Aventura News 5.15.2013  

Local Miami News

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