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Pinecrest Phone: 305-669-7355

JAN. 19 - FEB. 1, 2009


It’s Palmetto vs. Palmetto in the Blue and White Game Feb. 7 BY LINDA RODRIGUEZ BERNFELD

he first Saturday in February will be a great day for Palmetto Baseball. That’s the day when the baseball program will host an intrasquad scrimmage and fans will get their first chance to see the 2009 team in action. “It’s the opportunity to showcase the Varsity and JV team,” says Coach Mike Klekotka. “We play a controlled scrimmage. We have umpires. It’s a traditional at Palmetto.” The Blue and White game s starts at 10 a.m. and will be played at the Panther’s home field at Coral Reef Park. It’s and it’s free and open to the public. The Varsity team will be divided up and the boys will play against each other. The same holds for the JV team. If there is time, the freshman team will also play. Mike Baiamonte, the Voice of the Miami Heat, will announce this year’s game. The booster club will sell hot dogs, hamburgers, and sodas and chips to raise money for the program. Panther apparel will also be available for sale so its fans can be dressed in Panther blue this season. And Palmetto has plenty of fans. On a bad day, the Blue and White game draws




GAME, page 9

Read during the NY Marathon Here’s Monica Sanchez pausing for a moment after finishing the New York Marathon to have her picture snapped with a copy of her favorite hometown newspaper. Thanks for thinking of us, Monica, and congratulations! That’s quite an accomplishment.

Library database is just a click away 24/7 BY GABRIELLA IMBIMBO

Librarian, Pinecrest Branch, Miami-Dade Public Library Have you ever helped a child finish a science project, then realized that you incorrectly stated the hypothesis? Or tried to identify the worm that’s been eating your roses, but found that you can’t determine the species? Maybe you are a do-it-yourselfer who wants to replace the brake pads on your 1976 Ford Bronco? Believe it or not, the Miami-Dade Public Library System has the answers to these −−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−−− See

Positive PEOPLE


in Pinecrest

These Positive People help add to the quality of life in Pinecrest. Look inside for their stories.




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Jan. 19 - Feb. 1, 2009

Jan. 19 - Feb. 1, 2009


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Ileana sworn in

Congresswoman Ileana Ros-Lehtinen was sworn in for the 111th Congress by House Speaker Nancy Pelosi. Ros-Lehtinen said she will focus on helping South Florida recover from the current economic slump, while “continuing to fight for middle class families and the issues that matter to them.”

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Jan. 19 - Feb. 1, 2009

Positive PEOPLE in Pinecrest

NIKKI RIGL Palmetto High School junior Nikki Rigl has accumulated about 1,200 hours in community service, many of them from stemming from her work in drama. “Our entire family is into theater and acting,” Rigl says, adding that she started acting when she was in elementary school. Rigl and her twin, Alexandra, played the new bunny and the old bunny in Medea, Palmetto’s fall presentation. She also played a hot-box dancer in Guys and Dolls last spring. After their mom underwent a kidney transplant in when they were in ninth grade, the twins co-founded the Donate Life club to help educate students on transplantation. “A lot of people have misconceptions about organ donation in general,” Rigl says. She has been in charge of Donate Life advertising at Palmetto and she even put together a Facebook page for the group. “I really want to incorporate younger members into the club,” Rigl says, adding that the younger members will keep the club going when she and her sister graduate. “To have it go on after we leave would be ideal.” Rigl says they have been attracting members through the club fair and other events. And many club members have younger brothers and sisters com-

ing to the school, which should help the organization survive. At club meetings, they bring in newspaper articles about transplantation and discuss the issues. “We want to express our purposes; this is a very prevalent occurrence,” Rigl says. “Recognition of it is of the upmost importance.” Rigl and her sister have been active in Girl Scouts since they were in elementary school. “It started as a thing that everybody was involved in,” she says. “I like the idea of helping the community and having a troop to do things with.” Starting the Donate Life club at Palmetto is tied to Rigl’s desire to achieve the Gold Award, the highest honor a Girl Scout can receive. “Establishing the club was the main goal of the Gold Award,” she says. “Community awareness was the premise.” Promoting transplant awareness will not stop with her high school career. Rigl plans to continue her commitment to transplantation even after she goes to college. She will even go so far as to start a Donate Life-type of organization at her college if they don’t already have such a program. The Donate Life Club keeps her busy, but Rigl doesn’t let it keep her from volunteering for other organizations. She is a member of the student council and she was one of the three co-chairs of the Battle of the Bands. “We had to audition bands, we had to make programs, tickets and flyers,” she says. “It’s a way to get students to contribute to the charity (United Way).” Rigl says there were nine bands involved in a wide range of genres. December’s Waiting, a band that plays ballads, won the event. Rigl is also a member of the National Honor Society – in fact, she is vice president in charge of the inductions — Mu Alpha Theta, the Science Honor Society, the Social Science Honor Society and the Thespian Honor Society. She’s also in one of the more important organizations at school, the Honor Council, which promotes integrity and deals with students who have cheated. “We give students a second chance,” she says. “They might not understand why cheating is bad, so we try to counsel them. We give them better study habit tips so they don’t have to resort to

cheating.” After college, Rigl hopes to go into the medical field, or possibly law. Among others, she is considering attending Duke, Princeton or the University of Florida.

By Linda Rodriguez Bernfeld

CASEY DELGADO Palmetto High School senior Casey Delgado spends his days working hard to become a better baseball player. He also volunteers his time helping younger kids learn to play the game better. Delgado is captain of the Palmetto Panthers varsity, a team that has high expectations this year. Some of those expectations have to do with Delgado’s strength as a pitcher – he was 7-1 last year, when the team recorded a 19-8 record. As a sophomore, Delgado went 2-1 and helped the Panthers make it to the state tournament. “I’ve always been a pitcher,” Delgado says. “I used to play infield and I used to play shortstop. In my freshman year, they said I could only pitch.” Delgado is optimistic about the coming season. “I think we have a really good chance of going to states,” he says. “Last year we had four seniors and two or three key seniors, so we had a bunch of younger kids. Most of those will be back. We only have about six seniors this year.” Baseball not only provides structure and discipline to his life, but it also gives

Delgado the opportunity to give back to the community. Each year Delgado takes part in the President’s Day Baseball Clinic, put on by Palmetto players. There he teaches young pitchers such things as the art of picking off base runners, pitching strategy and other fundamentals of the game. He says he enjoys the clinics. “Sometimes the kids get annoying, but for the most part it’s fun,” Delgado says. He has also helped his dad coach a baseball team for the Howard Palmetto Baseball Softball Association. His brother, Dustin, now a strong prospect to make the Palmetto baseball team, played on that team. “It was fun,” Delgado says. “You see your work through the kids playing ball. You teach them something and then see that what you taught them really works.” As an assistant coach, Delgado threw batting practice, hit ground balls to the infielders and pop-ups to the outfielders. “I called pitches for the pitchers,” he says. The combination of Delgado and his dad, Bob, apparently was a good one because the team won first place. Although baseball keeps him busy with practices or a conditioning program six days a week, Delgado has volunteered at vacation bible school for his church, Redlands Community Presbyterian. There, he and his brothers led the activities and the outdoor fun games. He also volunteers for field clean-up and preparing the field at Coral Reef Park for the baseball season. That includes erecting the fence surrounding the field and then taking it down at the end of the season. Delgado is also in HIV Peer Educators and he has been certified to teach other students about the dangers of HIV and Aids. “It’s important,” he says. “If you’re not educated, you won’t take the precautions to prevent the disease; so the more people who know about it, the better.” Now that he’s a senior, Delgado has turned his attention to college. To date, he has not signed with any of the schools that have offered him scholarships, reasoning that it is better to wait until spring and choose the best offer then. He plans to study criminal justice or law.

By Linda Rodriguez Bernfeld

Jan. 19 - Feb. 1, 2009


Page 5

Positive PEOPLE in Pinecrest

BLAIRE SHOOR Palmetto High School junior Blaire Shoor has already accumulated almost 1,000 community service hours. “For the past three summers I’ve

been working at summer camps with little kids,” Shoor says. “The first two years, I did it at the Gulliver camp and last year at the Beth Am camp.” Shoor says she loves being around children and seeing how they play together. “They make me smile,” she says. “I really like working with them.” While working at the camps, she interacted with the children. She and the other counselors would take the kids to the pool to swim, and then help them with lunch. At Beth Am, the camp ended after lunch because she worked with the three-year-olds. At Gulliver, the day ended at 3 p.m., so she would take the children to other activities such as sports or watching movies. For years, Shoor attended a summer sleep away camp and, while she loved it and made great friends, she decided that during her high school years she would stay closer to home and spend more time with her family. Still, she wanted to volunteer at a summer camp because she had such a great time at the

New Autism Elementary School for Children from Birth to 12 The Carrie Brazer Center for Autism specializes in serving children diagnosed with classical Autism Spectrum Disorders and other social and communicative disabilities.

camp. Next summer, Shoor wants to head in a new direction. “I really want to get some experience at a college; take some classes there and continue learning over the summer,” she says. She hopes to be able to take a course in math or science since she has always excelled in those subjects. Finance is another possible area of study. She’s a math mentor at Palmetto and works with a geometry class. Although college is still a couple of years away, she has been thinking about her academic future. “I’ve always wanted to go to the University of Florida,” Shoor says. “My whole family has gone there. Now I’m starting to see I might have some other options in the Ivy Leagues. So I might want to do something like that. Hopefully, this spring break we’ll go and look at the schools in Florida.” Along with her other activities, Shoor is a cheerleader on the varsity squad. She has been cheering for five years. “I really love it and it’s become a big

part of my life,” she says. Shoor used to participate on the Palmetto competition team, but that was recently eliminated and she misses it. She took part on the Palmetto Middle School competition squad. “I like it, I think it bonds the teams a little better because you are working a lot more,” she says. “You help each other through the struggles.” Shoor is also in the Red Cross Club, the Key Club and Mu Alpha Theta, as well as the National Honor Society and the Spanish Honor Society. She plans to apply for the English and Science national honor societies as well. “I was treasurer of cheerleading on the junior varsity squad in my sophomore year and I plan to run again next year,” she says. Outside of school, Shoor and her father have entered numerous walks or runs for charity, including the Walk for Witty, and this year she volunteered at Mercedes Benz Corporate Run.

By Linda Rodriguez Bernfeld



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Page 6


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Jan. 19 - Feb. 1, 2009


from page 1 ------------------ --------- --------- --------- --------- --------- --------- ---------

and thousands of other questions and they’re all right at your fingertips. The library system subscribes to hundreds of databases and makes them available for free to library cardholders. Card holders can log on to the library’s website <> at anytime to access a range of databases and get the help they need. Prior to the advent of the Internet, a friend told me that she had the telephone numbers of libraries in each U.S. time zone. She wanted to be able to access information at any time of the day and when a library on the east coast closed, she would just call another further west. Today, having your own personal library that is open 24/7, 365 days a year is just a click away. Whether you want to learn a new language through downloadable audio books or prepare for the LSAT through Learning Express Database, the Library System’s website is always open with dependable information from precise sources. The library’s resources are bountiful! There is free access to information not easily found by Googling, and the library’s subscription research databases have an edge over search engines because the “hits” come from trusted peerreviewed sources and academic journals, rather than commercial sites. Search engines tend to bring up results that emphasize advertising rather than the information you are seeking. For those who want to learn more about the library’s digital resources and explore a world of information beyond the brick-and-mortar building, you are invited to attend the “Navigating the Library’s Webpage” workshop at the Pinecrest Branch Library on Tuesday, Feb. 17, at 3:30 p.m. Librarians recognize the value and importance of technology and want to help fill in the gap on what you don’t know about computers. While getting to know our residents we discovered that

many were interested in basic computer classes. To meet this need, we created a three-part class that will offer fundamentals on how to use the Internet and email, as well as some basic word-processing skills. With the skills acquired in these classes, attendees will be able to surf the Internet, send an email, type a letter, save files and understand the basics of uploading pictures from a camera. Although each class in the series builds upon the other and is meant to provide skills useful for the next class, you may attend a single class rather than taking the whole course. The series is not only for the inexperienced computer user, but also for those who want to refresh their skills. These free classes will be taught by librarians. Each class will last about two hours and participants will have ample time to practice and receive one-on-one help. The class size is limited to 20, so interested parties are encouraged to register by calling 305-668-4571. The Library System offers many options to pique your interest and stimulate your brain. In 2009, why not consider learning an exotic language through downloadable audio books provided by the subscription database “Net Library” or get practice help for that important exam you need to take. Whenever you find it convenient to take a test, the Learning Express database will monitor your time and then review your score. Included are exams for U.S. citizenship, FCAT, LSAT, FL Real Estate, ASVAB, and hundreds of other tests, plus electronic corresponding books. If you have wanderlust, a full database of Fodor’s Travel Guides will lure you to distant locales. These are just a few of the many resources available. To learn more about these computer databases or to sign up for the free computer classes, contact the Pinecrest branch at 305-668-4571 or visit us online at <>.

Go to or call 786.331.5321

PUBLISHER . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Grant Miller EXECUTIVE EDITOR . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Ron Beasley WRITERS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Linda Rodriguez-Bernfeld, Gary Alan Ruse ADVERTISING ACCOUNT EXECUTIVES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Albie Barnes, Roberta Bergman, Beatriz Brandfon, Ana Caceres, . . . . . . . . . . . . . . . . . . . . .Celia Canabate, Diane Chasin, Enrique Chau, Sharon Christian, Lory Cohen, Cecile Fanfani, Lenny Gold, Myrna Golob, Tammi Jimenez, . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Heather Jordan, Dianne Maddox, Ann Robbins-Udel, Fara Sax, Diane Sedona Schiller, Georgia Tait PROOF DEPARTMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Isabel Vavrek PRODUCTION ART DIRECTOR . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Maria Scheer GRAPHIC ARTISTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Isabel Ortega, Angie Santiesteban, Isabel Vavrek PUBLISHER EMERITUS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Ron Miller We will not return solicited or unsolicited editorial material including stories, columns and or photographs. If yoou send us anything, please make sure that you have duplicate copies of the material. Every issue of the Pinecrest Tribune is fully copyrighted, and all property rights, including advertisements produced by Community Newspapers and Miller Publishing. Using artwork and/or typography furnished or arranged for/by us, shall be the property of Community Newspapers.

Sign up at for direct access to news and services.

MILLER PUBLISHING and COMMUNITY NEWSPAPERS are proud to publish the following newspapers: Aventura News, Biscayne Bay Tribune, Community Newspapers, Coral Gables News-Tribune, The Digest, Doral Tribune, Kendall Gazette, Cutler Bay News, Palmetto Bay News, South Miami News, Sunny Isles Beach Sun. See us on the Internet:

Jan. 19 - Feb. 1, 2009


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Page 8


Open the treasure chest and discover the


Jan. 19 - Feb. 1, 2009

Wintle sworn in with Florida Bar


Torah, Ritual, Ethics, Awareness and Spirituality in a Unique, Rich Environment Through art, cooking, dance, sports, music and more... a basic Judaism learning adventure for all children in Kindergarten to Sixth Grade

Six Saturdays starting January 31, 2009 10:30 a.m. - Noon at TEMPLE BETH AM The Richard and Janet Yulman Campus 5950 N. Kendall Drive Pinecrest, FL 33156

Josh Wintle has been sworn in as a lawyer in good standing with the Florida Bar. Wintle has been a law clerk with the Pinecrest law firm of Panter, Panter & Sampedro and has now joined the firm as an associate, assisting senior lawyers in catastrophic injury cases and insurance claims. Wintle may be contacted by calling 305-662-6178.

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Jan. 19 - Feb. 1, 2009


from page 1 -----------------

200 plus people. Now that the team has been successful four years in a row, the attendance is expected to be that much and more. “They have concessions they have giveaways,” Coach Klekotka says. “It starts at 10 and it’s done at 12:30 or 1 p.m., depending on whether the ninth grade team plays.” Last year, the Palmetto Varsity team went 19-8 and made it to the regionals before being sent home. This year, the team is returning a lot of juniors and is bringing up only a couple of boys from the Junior Varsity team. “We were heavily laden with sophomores last year,” he says. “We only lost three seniors from the team. We should be a fairly competitive team this year.” Not only is his team returning but so is his coaching staff. Assistant coaches Danny Smith and Jeff Steiner are back as is ninth grade coach Steve Demar. Two years ago, the baseball team made it to the state tournament. Could this the year for a state title? Coach K wouldn’t say whether he thinks the team could go all the way - but he is optimistic the team can do well.


Page 9

“We’re looking to go further in the playoffs than last year,” he says. “Our goal is always to win the last game of the year. If there is any chance to get out of Dade County, this is the year.” The success of the team – 80-26 over the last four years – means that kids who might have transferred to other schools like Westminster or Gulliver are no longer making that move, instead they are staying at Palmetto to play baseball. In fact, Coach K says they have to be careful to make sure that the players actually live in the Palmetto district because now Palmetto is one of the schools kids want to play for. Players to watch out for this year are Lou Montesinos, who has already committed to going to Penn State University, Casey Delgado, who was 7-1 last year, Brian Roache, Matt Longfield, John Keebler, a strong right handed pitcher, Max Halasz, and Kevin Karpiak. Klekotka says other impact players include Ryan Arrick, Ben Sarason, Noah Soven, Yale Sanford, Adam Sargent and Dustin Delgado, Casey Delgado’s brother who could break into the line-up as a sophomore. “I think we’re going to be strong in the back-up positions,” he says. “We’re going to have a lot of guys fighting for jobs.” For details on the Blue and White game, go to <>.

PRE-K (AGES 3 & 4) THROUGH 8TH GRADE The Heritage School offers an enriched integrated curriculum; Arts, Music, Dance, Drama, Physical Education, Technology, Languages, wireless laptops, computer lab, robotics, Small Class sizes limited to 20 students - 10 acre campus, swimming pool, baseball field, soccer field, camera surveillance system, Edline access via Internet to grades, homework, etc.

Visit our website and apply online OPEN HOUSE 01/24/09 (10:00AM - 12:00PM)

Page 10


Jan. 19 - Feb. 1, 2009

For Valentine’s Day, achieve your best look at Miami Center for Dermatology. After an in-depth consultation with board-certified dermatologist Deborah Longwill, D.O., treat yourself to our state-of-the-art treatments and products to help you achieve radiant, youthful skin and beautiful facial and body contours.

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SKIN SOLUTIONS MIAMI 7700 SW 104th Street, Pinecrest 305 -279 -SKIN (7546)

Jan. 19 - Feb. 1, 2009


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Wake up from the American nightmare Lynda & Mike


REAL ESTATE Effective Oct. 1, 2008, a housing bill was passed to help both troubled borrowers and lenders. At-risk borrowers whose loans originated between January 2005 and June 2007 may be eligible to refinance their unaffordable mortgages into low-cost, fixed-rate loans insured by the Federal Housing Administration (FHA). Whether current or in default, at least 31 percent of the borrower’s monthly income must be tied to paying the mortgage debt. Other requirements come into play that have to do with the total debt owed and any secondary financing. Borrowers may get information from their current lender or an FHA-approved lender (found on the web site for the Department of Housing and Urban

Development). Each loan will be considered for underwriting after a new appraisal is performed and income and credit history is again documented and verified. Be aware that there are many requirements for approval that, once secured, include many additional terms, such as insurance premiums and profit sharing on appreciation. If you sell or refinance within a one-year period you may pay the FHA 100 percent of your profits. That percentage drops 10 percent each additional year, down to 50 percent after five years. Keep in mind, however, that savings can still be had on those lower-interest, fixed-rate loans, which will never readjust like sub prime mortgages can every six months. Homeownership can again be the American dream, not a nightmare.

Mike and Lynda Morgan are associated with Coldwell Banker, 12155 S. Dixie Hwy. They may be contacted by calling 305-253-2800 or 305-542-2138; or by via email to <> or by visiting the Team Morgan website at <>.




1-866-483-6366 WWW.IVFMD.COM







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Jan. 19 - Feb. 1, 2009

Miami-Dade Public Library events to celebrate Black History Month BY VINORA HAMILTON Residents of all ages are invited to participate in the Black History Month celebration at Miami-Dade Public Libraries. Hear renowned storytellers and authors, explore the history of jazz, create your own masterpiece in an arts and crafts workshop or see an exhibition. Acclaimed author and storyteller Donna Washington will begin the celebration with two appearances on Tuesday, Feb. 3, at the Model City Branch, 2211 NW 54 St., at 10:30 a.m., and at the West Kendall Regional, 10201 Hammocks Blvd., at 3:30 p.m. Washington will visit several other branches later that week. On Thursday, Feb. 5, at 6:30 p.m., join musicians Nicole Yarling, Bossa Nova, Son de Ahora and more, in a “Night of Jazz” at the Main Library, 101

W. Flagler Street. Also performing, at various branches throughout the month, are celebrated storytellers Baba Adekemi Lyons, Madafo Lloyd Wilson and Temujin Ekunfeo, who will mesmerize audiences with stories from Africa and the Caribbean. The Jamaican Folk Revue will share music and tales from the Caribbean and jazz artist Nicole Yarling will conduct a series of workshops to explore the history of jazz and trace its evolution to hip hop. The art exhibition series include “Color All Around,” featuring works from famed children’s book illustrator Adjoa Burrowes, and the Melanin Project, with works by artist Asser Saint Val. All programs are free to the public. For a full listing of programs visit online at <> or call 305375-BOOK.


5910 S. Dixie Hwy., South Miami, FL 33143 on the corner of US1 and Sunset Drive Phone: 305-663-1818 • Fax: 305-663-1898

Email: •

Sun.-Thur. 10am - 9pm • Fri.-Sat. 9am - midnight SURGEON GENERAL WARNING: Cigar Smoking Can Cause Lung Cancer and Heart Disease.

Pinecrest Location: 13989 S. Dixie Hwy., Miami, FL 33176 • 305-259-7009

Jan. 19 - Feb. 1, 2009


Page 13

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Jan. 19 - Feb. 1, 2009

Local runner finishes well in Disney Half Marathon


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Justine Knecht, who serves as Howard Drive Elementary PTA president when she is not engaged in running events, is pictured with her favorite local newspaper after completing the Disney Half Marathon on Jan. 10. Her time of 1:54:04 put her in the top 10 percent of all 12,434 runners.

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Jan. 19 - Feb. 1, 2009


Marco Drugs is Pinecrest’s only ‘compounding pharmacy’

Page 15


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11753 South Dixie Hwy. Pinecrest Fl. 33156 PH.305.235.4302 FAX. 305.235.6204




Printed with permission of IACP The long-established tradition in pharmacy practice that enables physicians to prescribe and patients to take medicines that are specially prepared by pharmacists to meet patients’ individual needs. Compounded medicines are a vital part of quality medical care. A growing number of people have unique health needs that off-the-shelf prescription medicines cannot meet. For these people, customized and compounded medications prescribed or ordered by licensed physicians or veterinarians and mixed safely by trained, licensed compounding pharmacists are the only way to better health. Compounding is in even greater demand for treating animals because of the relatively narrow selection of medicines that are manufactured by pharmaceutical companies. Pharmacists are the only healthcare professionals that have studied chemical compatibilities and can prepare alternate dosage forms. In fact, each state requires that pharmacy schools must, as part of their core curriculum, instruct students on the compounding of pharmaceutical ingredients. Compounding pharmacies are licensed and regulated in the 50 states and the District of Columbia by their respective state boards of pharmacy. Because every patient is different and has different needs, customized, compounded medications are a vital part of quality medical care. The basis of the profession of pharmacy has always been the “triad,” the patient-physician-pharmacist relationship. Through this relationship, patient needs are determined by a physician, who chooses a treatment regimen that may include a compounded medication. Physicians often pre-

Pharmacists are the only healthcare professionals that have studied chemical compatibilities and can prepare alternate dosage forms.





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Page 16


Jan. 19 - Feb. 1, 2009

Friendship Circle 3K Walk to help ‘special needs’ kids BY ROBERT HAMILTON


many many door styles & finishes to choose from • Complete Kitchen & Bath Remodeling • • Computer Designs • Certified Kitchen Designers (CKD) on Staff • • Complete Home Remodeling •

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Get fit & healthy! Explore the ways Miami-Dade County can help you keep your New Year’s resolution. • Try “Tea & Tai Chi” at one of the County’s parks • Take a brisk walk at your neighborhood park • Keep your mind fit, check out your neighborhood library

The Friendship Circle of Miami will hold its inaugural Three-kilometer Friendship Walk on Sunday, Feb. 1, in Kendall to raise money to support programs for children with special needs and their families. Established in 2003, the Friendship Circle of Miami is a nonprofit organization that serves more than 50 families in south Miami-Dade County and involves nearly 100 teen volunteers. The teens form friendships and share activities with kids with Downs syndrome, autism, ADD and other emotional or physical challenges. Families of special needs children also receive support in the program. The money raised from the 3K Friendship Walk will help fund child-centered activities including volunteer teen training, special outings, fitness programs, camps, fairs and festivals. At the center of the Friendship Circle is the relationship between teens and kids. Teenage volunteers visit children with special needs for play dates in their homes once a week. “Kids with special needs want to have fun and have friends just like other children,” said Nechama Harlig, Friendship Circle director. “Yet friends are what are often missing in their lives. The Friendship Circle creates those special bonds. Teens connect with children in ways that adults and therapists cannot.” Emma Singer, 16, a student at Coral Reef High School, has been a friend to

a child with special needs, for three years. Singer and Patricia Dranoff visit Justin every week. “The experience with Justin has changed my life,” Emma said. “Justin is so optimistic and always has a smile on his face. He is waiting at the door for us and is so excited when we visit. His smile makes me smile.” Singer and Dranoff spend their time with Justin playing board games, cooking, coloring, and pushing him on the swing. “Justin’s unwavering joy and optimism has taught me to appreciate life, no matter what comes my way,” Emma said. “The volunteer teens get just a much from the experience as the kids,” Harlig said. “Giving of their time and energy makes them less focused on themselves. Their moral character grows as they learn the value of being of service to others.” The Feb. 1 Friendship Walk will take place from 9 a.m. to 1 p.m. It will begin at the Chabad campus, 8700 SW 112 St. The walk will proceed through the local streets and culminate in a festival with music, refreshments and entertainment at the Chabad campus. The Friendship Circle is nonsectarian and nondenominational and its programs are open to all and are offered free of charge to qualifying families. Funding comes primarily from charitable donations from the community. For more information, call 305-234-5654 or go to <>.

For more ideas about health and fitness, go to and click on “Resident” or call 3-1-1. • • • •

Medicine / Surgery / Vaccinations Boarding, Grooming & Bathing In-House Laboratory Dentistry, Radiology & Ultrasound Gerardo J. Diaz D.V.M. Branham Garth, D.V.M. Miriam A. Mendez, D.V.M.

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Jan. 19 - Feb. 1, 2009


Page 17

Jane Foreman Academy to open summer tennis camp in Maine BY LEE STEPHENS The Jane Forman Tennis Academy and the owners of Camp Waziyatah in Waterford, Maine will open a summer camp this year with a focus on tennis. The Forman Academy will conduct a tennis program for all ages and abilities within the standard camp program. Professional instruction and private lessons by ex touring tennis professionals will be available to all youngsters attending Camp Waziyatah. kids. The camp has been designed for “the tennis-crazed kid who doesn’t want to give up the fun of an outstanding camp experience.” The camp will provide a traditional summer camp experience with a focus on tennis for the first two weeks of each four-week session at Camp Waziyatah. Jane Forman retired from professional competitive tennis in 1989 and turned to teaching and managing tennis facilities in South Florida. She and her staff have been providing programs for children 3-

16 years old for over 18 years. Camp Waziyatah is known for courtesy, integrity and responsibility. The Jane Forman Tennis Academy will apply those values while teaching the sport of tennis. Camp Waziyatah is a coed overnight summer camp in Maine’s beautiful lakes region. In its 88th summer, Waziyatah provides traditional camp activities such as water skiing, sailing, hiking, horseback riding, theater, arts, sports, a climbing wall and skateboard park. Wazi is located on 130 acres and a 3.5 mile private spring-fed lake. Bringing the Jane Forman Tennis Academy to Camp Waziyatah provides a program for both the avid tennis player and the child who wants to expand tennis skills without having to sacrifice all the traditional camp activities that Waziyatah has to offer. For more information, call 305-2359200 of go to <> and <>.

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ALEXANDER MONTESSORI SCHOOL See how children learn to love to learn. Experience unlimited education. Understand powers of concentration. SCHOOL TOURS: January 21, February 25, March 25, April 22, May 27

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Alexander Montessori School, founded in 1963, is accredited by these seven prestigious state, national, and international accrediting bodies: • Florida Council of Independent Schools (FCIS) • Florida Kindergarten Council (FKC) • Association of Independent Schools of Florida (AISF) • National Independent Private School Association (NIPSA) • Commission on International Trans-regional Accreditation (CITA) • Southern Association of Colleges and Schools (SACS) ...and we are the only school in Miami fully accredited by the American Montessori Society (AMS)

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Page 18


Jan. 19 - Feb. 1, 2009



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Page 19

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Page 20


Are you READY to look as young as you feel?

Jan. 19 - Feb. 1, 2009


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What is the total enrollment of the University of Florida? The total enrollment is 46,549, of which 35,110 are undergraduate students. Fortysix percent of UF students are male, with 54 percent being female. The total minority is 34 percent. The breakdown on that is African-American, 10 percent; Asian, 7 percent; Hispanic, 13 percent; Native American, 0 percent; other, 4 percent. Ninety-five percent of the student body hails from within Florida and 5 percent is from out of state. The retention rate of the UF is 94 percent. Do any of your students apply outside the United States for college? Yes; this year one of my students is applying to Franklin University in Switzerland and the London School of Economics and Political Science. I have a really important question. All of the kids are talking about what they are going to major in during college. I have absolutely no idea what I want to major in. Do I have to declare a major or can I go and explore different fields? I think that unless you are absolutely positive you do not need to declare a major. There is a section on most college applications that allows you the opportunity to write “do not know” or something similar with regard to what you plan to

Timothy I. Hasty, CRS., GRI. Cell: 305-496-5135 Office: 305-329-7740

• • • • •

major in. Just be honest when you fill out your applications. If you don’t know your major, say so.

Do you have a list of religiously-affiliated institutions on college campuses? The following is a listing of resources for students seeking religious-affiliated colleges and universities: Adventist Education Net (, Association of Catholic Colleges and Universities (, Association of Jesuit Colleges and Universities (www.ajeunet.ed), Christian College Mentor (, Evangelical Lutheran Church in American: Colleges and Universities (, Hillel: Guide to Jewish Life on Campuses ( W.nsf/schoolsopenforum). My guidance counselor at school keeps changing. How does he/she write me a college recommendation if they don’t know me? That’s a really good question that I don’t have a good answer for. All I can tell you is that I am aware of the problem and aware that guidance counselors are overworked with caseloads of as many as 700 to 800 students. I suggest that you go and introduce yourself to your guidance counselor. Take along an activities sheet or resume and leave it so they can get to know who you are. Toby Rose is president of Toby Rose’s College Prep. She is an independent college counselor, was a Dade County Outstanding Teacher and served as chairperson of the Dade County School Board Academic Advisory Committee. Rose may be contacted by calling 305-238-7737 or via the Internet at <>.

Riding Lessons Balanced Seat & Hunt Seat Instruction Jumping & Basic Dressage Local Horse Shows Stalls Available for Rent

Broker/Salesperson - Master Brokers Forum (305)781-3882 •

Jan. 19 - Feb. 1, 2009


Page 21

Ridgeline adds power, new look, more standard equipment Ron Beasley AUTOMOTIVE EDITOR

LET’S TALK CARS Honda says there are 50 significant changes and new features to the 2009 Ridgeline pickup truck. Well, maybe so, but it still looks like the same old Ridgeline to me. Don’t get me wrong, the Ridgeline was a pretty edgy design for a pickup when it debuted as a 2006 model four years ago, so Honda designers would really have to extend themselves to make it stand out any more. The Honda press release says the Ridgeline has been “updated for 2009 with bolder styling” and that a trailer hitch is now standard equipment. It goes on to say that it “takes on a bolder look and feel with new exterior and interior styling along with a more powerful engine.” Well, it does have a more chiseled appearance thanks to the revisions to the grille and bumpers, and headlight and taillight color combinations. On the inside, there are some styling

updates, including revised three-dimensional dials, a new steering wheel design and enhanced controls, buttons and displays for the air conditioning, audio, cruise control and headlights. New technology features include a 115-volt power outlet on the RTL model, an MP3/auxiliary input jack on the RTS and RTL, and all audio systems become MP3/WMA compatible. New safety features include active front seat head restraints and daytime running lights. The composite cargo bed still will hold four-foot-wide sheets of plywood between the wheel wells and two new cargo tiedown points have been added for a total of eight. New premium features include Bluetooth for hands-free cell phone use and a rear-view backup camera on RTL models equipped with the available satellite-linked navigation system. Carryover features include the spacious in-bed storage trunk that provides hidden dry and secure storage capable of storing luggage, toolboxes and coolers. Under the hood this year is a 250 hp 3.5-liter all-aluminum VTEC V-6 engine (15/20 mpg) mated to a five-speed electronically controlled automatic transmis-

Revisions to grille and bumpers give new Honda Ridgeline a more chiseled appearance.

sion and a Variable Torque Management four-wheel drive system (VTM-4), all standard equipment. A fully independent suspension with MacPherson struts in the front and a multi-link suspension design in the rear contribute to a smooth ride and responsive handling. Standard equipment for towing includes the integrated tow hitch, transmission and oil coolers, heavy duty brakes, dual radiator fans and a wiring harness for a seven-pin trailer hook up.

Maximum recommended towing capacity is 5,000 pounds. Base prices on the 2009 Honda Ridgeline range from $28,000 for the RT model to $36,330 for the RTL with the navigation system. 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 <>.



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Page 22


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TEMPLE BETH AM Youth Basketball League 2009 Spring League Girls: 3rd - 7th Grade Boys: 3rd - 6th Grade Girls and Boys High School (9th-12th Grade) Evaluations: Mid-February Season Runs from March - May For information and applications, go to or call Basketball Hotline at 305.667.6667 ext. 141 A Proud Corporate Sponsor

Jan. 19 - Feb. 1, 2009

Jan. 19 - Feb. 1, 2009


A bundle of joy for the new year

Page 23

Will you be my Valentine for the Superbowl?


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Miami/Pinecrest, Fl 33156


The new year brought a beautiful bundle of joy to first-time parents Magaly Vastey-Attie and Thierry Attie. The proud parents show off their baby boy, Loic, the first baby born in Miami-Dade County in 2009. He arrived at Baptist Hospital at 12:35 a.m. on Jan. 1, weighing 7 pounds, 15 ounces. (Photo by Mabel Rodriguez)


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Looking for a place to enjoy your favorite cigar? Then come join us at Havana Humidor of Pinecrest. Come in, sit back and relax in our comfortable lounge where you can enjoy your favorite cigar and Cuban coffee, while catching the game on our HD Plasma TV. We also offer free wireless internet, comfortable work areas and a great networking atmosphere.




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Page 24


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Jan. 19 - Feb. 1, 2009

Beth Am Temple Talk ‘Jewels and junk for Jenny’ yard sale on Jan. 25 BY MADDY HENKIN Everyone is capable of doing some good in this world. Many do not take advantage or overlook this potential; others, however, give of themselves to really help others. Camp Jenny is an opportunity for members of our own community to do something wonderful. Camp Jenny was founded in the memory of Jenny Rosenthal of Alabama. She died in a tragic car accident as an active member of her temple youth group who loved camp and working with children. Camp Jenny gives a camp experience to underprivileged kindergarten through fifth grade students from Atlanta over Memorial Day weekend. Camp Jenny takes place at Camp Coleman in Georgia and provides deserving children with a summer camp experience they otherwise would not get, as well as love and life-long memories. For one weekend these kids are treated like royalty. They get to relax, have fun and get a break from the stresses of their home life. The North American Federation of Temple Youth’s Southern Tropical Region and Southern Area Region run Camp Jenny. At the end of the weekend, tears are on everyone’s face as the experience has changed the lives both of the children and of the counselors. It costs a little over $400 to give one child the Camp Jenny experience and the camp runs completely on donations made mostly by temple youth group fundraisers. For the past few

years, BAFTY — Beth Am Federation of Temple Youth — has raised a lot of money for Camp Jenny. This local youth group has sent members who have applied and been accepted as counselors. This year, BAFTY is hosting “Jewels and Junk for Jenny” to raise money for this special camp. “Jewels and Junk for Jenny” is a community-wide yard sale that will take place on Jan. 25 from 9 a.m. to 5 p.m. at Temple Beth Am. This event will be entirely run by volunteers and will have food, music and available babysitting. BAFTY will accept any donated items (from jewelry and couches to books and clothing) for the yard sale between Jan. 10-24. For more information on donating items, contact Francine Francis at <>. Any items unsold by the end of the day will be donated to a charitable organization. Tax exemption forms will be given to all who donate. Take advantage of your capacity to do good and come out and support Camp Jenny. Times are making it hard to buy the finer things in life, so make sure to come to Beth Am to buy some of those finer things second hand. Save money and purchase some amazing items while knowing that the money you spend will go to sending a child to camp. For details on Camp Jenny, go to <>. For information about membership at Temple Beth Am, contact Rita Diaz at 305-667-6667, ext. 107, or by email at <>.

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Jan. 19 - Feb. 1, 2009


Page 25

Page 26


How to Shop for Auto Insurance

Jan. 19 - Feb. 1, 2009

BY DAN MARKHAM When it comes to car insurance, one size does not fit all. The price for you, which incorporates your driving record, your vehicle, your hometown and countless other factors, is uniquely yours. Yet motorists can still use good judgment before taking out a policy. And for the smart motorist, shopping for car insurance begins before purchasing the vehicle. “If cost is a consideration, the first step is what kind of car to buy,” says Gerry Goldsholle, founder of the website “What is the crash worthiness of the vehicle? How likely is it to be stolen? What is the area where you live?” Weighing these factors first allows a motorist to determine if a new vehicle purchase, with the insurance costs, fits within a budget. Once a car is purchased, there are numerous other steps a driver must take, including whether to look for a new carrier. For existing motorists, the

natural inclination is to stay with the current insurance company. “There’s some advantage to staying with the existing carrier,” Goldsholle says. “But don’t feel you have to be captive.” The chief advantage to staying with a long-term insurer is a level of trust that has likely been established. In the event an accident occurs shortly after purchase, a new insurer may look at the incident more skeptically than the existing one. Still, it pays to shop around, says Goldsholle, the former chairman of the ABA Insurance Co. “There is no such thing as the cheapest dealer,” he says. “Price of insurance can go up or down by 50 percent” due to the idiosyncrasies of the insurance industry.

The chief advantage to staying with a long-term insurer is a level of trust that has likely been established. In the event an accident occurs shortly after purchase, a new insurer may look at the incident more skeptically than the existing one.

For motorists not interested in doing extensive legwork, Goldsholle says Progressive’s web site is an excellent source for comparing prices among carriers. Of course, premiums are only one part of the equation. The effectiveness of an insurer in providing the kind of service you demand should also be factored into the equation. Though others are available, he says Consumer Reports is the best source for unbiased information on general satisfaction ratings among its customers. Once a carrier is selected, some factors are important to consider. Goldsholle recommends getting your credit in order before starting. “People who pay bills tend to be more careful drivers,” Goldsholle says, noting the types of statistical information insurers use to determine costs. “You should try to do what you can to improve your credit score.” But some things in your past can’t be improved. And for those, honesty is the best policy when it comes to policies. “If information is not accurate, there can be a problem down the road,” says Phil Kress, property and casualty section chief for the State of Wisconsin Office of the Commissioner of Insurance. “The company may be able to rescind coverage as if it never existed.” Moreover, when claims are filed, insurers “are going to check (the accuracy of your application),” Kress says. From there, the major question is how much insurance is necessary. “What am I really insuring?” Goldsholle recommends asking yourself. “What can

I afford to lose?” Goldsholle says one of the biggest mistakes motorists make is with the deductible. Drivers often take the smaller deductible, which is a mistake in his opinion. A smaller deductible is an incentive to report minor fender benders to the insurance company rather than pay the damage out of pocket. And any claim filed demands the dispatch of a claims adjuster, whose expenses are the same regardless the amount of the damage. By filing small claims, drivers may be rated “as a guy who makes claims” by the insurance companies. That will be costly in the long run, Goldsholle says. “You’re better off taking the highest deductible you can reasonably afford,” he says. Goldsholle also believes that motorists take a serious look at raising liability limits and purchasing uninsured motorist or underinsured motorists insurance. Each provides greater protection against the kind of accident “that wipes you out.” This can also be accomplished through an umbrella policy, an inexpensive piece of mind, he says. At the same time, Goldsholle cautions against over-insuring yourself. Items like towing insurance may look cheap, but may already be covered if you’re a member of AAA. “Don’t double up on coverage you don’t need. Cover what can wipe you out,” Goldsholle says. Copyright © 2005 Publishers-Edge

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How to Choose an Air Conditioning Contractor BY SHEILA JOHNSON When the time comes to install or replace a new central air conditioning system, look for an air conditioning contractor who has had several years experience diagnosing problems and performing installations and repairs. Ask friends, neighbors and coworkers for the names of contractors they would recommend. It is always better to hire someone who comes with a good referral than to pick someone at random from the phone book. If you can’t get a dependable referral, call at least three different contractors for estimates. Make sure the contractor that you hire complies with state and local codes and regulations and that he has current business and workers compensation insurance. Talk with the contractor about your home’s specific needs and listen carefully to any recommendations that are made. Ask about similar jobs the contractor has performed in the past and request the names of previous cus-

tomers you can call as references. Take the time to follow up and talk with the references. Ask if they were happy with the quality of the work, if the contractor was dependable, and if there were any problems with installations or faulty equipment. Try to find a contractor who has several years experience performing repairs and installations. You want someone who not only can service your equipment but who can recommend and install a complete new system if necessary. A reputable contractor should offer to give you an estimate of necessary services including a breakdown of equipment costs and the fee for

Tips to Remember 1) IDENTIFYING A CONTRACTOR - You may wish to contact friends, neighbors, relatives and co-workers for opinions on work done recently by an HVAC contractor. 2) GETTING ESTIMATES - Arrange for the contractor to come and inspect the job site. 3) THE CONTRACT - The contract is the agreement between the homeowner and the contractor that specifies what work will be performed and gives a firm dollar value on that work. 4) PAYMENT METHODS – Be clear of when the payment is to be made and what method of payment is accepted. 5) INSURANCE - It is important that the contractor and any subcontractors each have public liability and property damage insurance. 6) REFERENCES - Reputable contractors will be more than willing to give you the names and addresses of customers they’ve done work for in your area.

labor. Experienced contractors will work with you to find a system that works most efficiently for your home without breaking your budget. Be sure to ask about warranties and if the contractor will perform follow-up service to make sure the system is working properly. Talk with the contractor about particular problems you may have encountered in the past such as certain rooms feeling drafty and cold while others feel too warm and dry. The contractor should also be able to help you resolve problems with high humidity and indoor air pollution. He should also take precautions to dispose of used refrigerant and worn parts so that they do not pollute the atmosphere. A good contractor will offer instructions on how to keep your air conditioning system working efficiently on a dayto-day basis. Don’t be shy about asking questions on changing filters, operating the thermostat, etc. Ask about warning symptoms you should be aware of that may signal a problem. Most contractors will let you know how often the system should be serviced and explain preventive maintenance services. If you are installing a completely new air conditioning system ask the contractor to explain his recommendations and to detail any changes that might be necessary in your duct and vent system.

Keep in mind that the price of the equipment should not be the total basis for choosing one contractor over another. Proper installation and maintenance are important to insure that your system operates safely, reliably, and efficiently. Don’t give the job to a company that makes an estimate over the phone without inspecting your home first. Get estimates from multiple contractors but be skeptical of bids that are much lower than the others. A company offering a very low estimate may be trying to scam you with outdated or unreliable equipment. A good contractor will make recommendations based on the cooling-load calculation that is determined by the size of your home and other factors that impact efficiency. Once the coolingload calculation has been made the contractor should be able to estimate the annual operating cost for the equipment to be installed. Quality contractors offer prompt, courteous and professional service. Check to make sure they have an office or shop that has been in business for a few years. If you have any doubts about a particular contractor, check with your local Better Business Bureau or your state attorney general’s office to see if the company has any complaints on record.

Copyright © 2005 Publishers-Edge

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Jan. 19 - Feb. 1, 2009

Choose a Real Estate Agent BY CATHY KING When you’ve decided it’s time to get serious with your house hunt, teaming up with the right real estate agent can save you time and money. Ask family, friends, neighbors, and coworkers for the names of agents they know and would recommend. An agent may be more enthusiastic about finding the perfect house for you if a prior client has referred you. It helps if you find an agent whose personality matches yours, but it’s more important to find someone you trust. Buyer’s agents work with potential homebuyers to find the best home to suit each client’s needs. Seller’s agents work with homeowners to sell a home for the best negotiated price. A dual agent works for the broker who carries a seller’s listing but also works with a buyer who wants to purchase the listing. A dual agent must show loyalty to both parties and the buyer and seller must approve of the arrangement in writing. A professional buyer’s agent will interview you about the type of home you are seeking, advise you on current listings available, and explain other details of

If you are unsure how much home you can afford, a buyer’s agent can help you calculate how much you need for a down payment and what your monthly payments would be if you qualify for a mortgage loan. Many agents require that clients prequalify for a loan to help the buyer stay within an affordable price range and avoid disappointment.

make a short-term agreement from one week to two months initially. That way if the agent doesn’t work out, you can switch to another agency when that short-term agreement ends. You may encounter a high-pressure agent who seems more intent on making a commission than finding the right home for your family. If you believe an agent is taking you to inappropriate homes, sit down with him immediately and have a serious discussion. Make your preferences clear and let the agent know you aren’t happy with the homes you’ve been shown. Most agents are anxious to make a sale but their ultimate goal should be finding a home that suits your needs.

Copyright © 2005 Publishers-Edge

purchasing a home that may seem confusing. A buyer’s agent can also help you with the financial details of buying a home by recommending lenders, inspectors and escrow companies. If you are unsure how much home you can afford, a buyer’s agent can help you calculate how much you need for a down payment and what your monthly payments would be if you qualify for a mortgage loan. Many agents require that clients prequalify for a loan to help the buyer stay within an affordable price range and avoid disappointment. It also speeds up the home buying process and offers the agency assurance that you have the financial means to make it to closing. It also simplifies things for you since you will know your price range. To promote a good working relationship with your agent it is important to be honest about your financial situation and your preferences. A reputable agent will work hard to find a home in the neighborhood and price range you seek, but you should be open to suggestions. Remember that your agent has access to more inside information about homes that are coming on the market. When working with an agent you have an obligation to be responsible also. Always be on time for appointments and communicate honestly with the agent after a walk-through.

Communicating what you like and don’t like can help the agent guide you to other homes that more closely fit your requirements. An agent may ask you to sign an exclusive agreement. Doing so means that you are committed to working with one real estate agency and you may have to pay that agency a commission even if you find a home on your own. A nonexclusive buyer agency allows you to have multiple buyer agents, although certain conditions may apply. Any agreement that you sign with an agent should be in writing and cover a specific time period. It should detail the expectations of buyer and seller and specify the geographic areas to be covered. The agreement will also disclose the terms for agent compensation. Buyer’s agents are usually paid a commission at closing but agents in some areas may operate differently. Before you sign any agreement with a real estate agent, make sure you understand all the details including the compensation structure and how to terminate the contract if necessary. Request a copy of the agency contract and take a couple of days to study it before you sign. If you don’t understand something, ask questions until you feel comfortable with the arrangement. If you are not sure an agent is the right match for your needs, you can

When choosing a real estate agent, keep in mind: • Trust is more important than compatible personality. • Buyer, seller and dual agents all must demonstrate loyalty to their clients. • A good agent can recommend lenders, inspectors and escrow companies. • You may need to pre-qualify for a loan to help you and your agent look for homes in your price range. • Open and clear lines of communication between you and your agent are essential. • Before signing an agreement with an agent, take time to study it before you sign and ask questions until you feel comfortable with the arrangement. • A short-term contract may be more suitable for you. • An agent’s ultimate goal should be finding a home that suits your needs.

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TALK TO THE REST, HIRE THE BEST!! Proven Real Estate Professional In today’s real estate environment, you need a true real estate professional with a record of success! Deborah FriendTedesco is not only a Friend by name but has made “friends” by closing transaction after transaction satisfying numerous customers with the most difficult real estate closings. Born and raised in Miami, Deborah knows Miami and has first hand knowledge of the bricks and mortar. Today we are seeing challenges that we have not experienced in real estate in over 50 years. Because of that, I have added Ryan Ripepi to my team in order to better serve my customers. By the way, I haven’t

been in real estate 50 years, but I sure do keep up with all the news as a full time professional. Deborah and Ryan are dedicated to providing you with the best service in the industry and working with Coldwell Banker Residential Real Estate which offers the best resources for both Buyers and Sellers. We provide all the marketing tools available to you on the internet which has an extensive worldwide reach and record of success. Here are just a few of the websites marketing our properties to sell and for sale. • •

• • • • • • • Google Base and Yahoo! Real Estate • International Herald Tribune As FULL TIME PROFESSIONALS, we are easily accessible because we know that many buyers and sellers are trying to work through the maize of foreclosures and short sales which are so much a part of the marketplace today. Give us a chance to earn your TRUST! You won’t be sorry! Call us today!!

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Jan. 19 - Feb. 1, 2009


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How to Select a Hearing Aid BY CURT HAGEDORN If you remember your grandfather or other relative with a box about the size of a transistor radio in their pocket with a wire running to an earplug, hearing aids have changed a lot since then. With the rise of digitization and computerization, hearing aids have become ever smaller, and more effective – in fact, like contact lenses, there are now even disposable models. However, unless you’re the kind of person who picks out a pair of reading glasses by trial and error at the local drugstore, you should really first consult with your physician and/or audiologist to make sure that you’re getting the proper hearing aid for you – and to make sure that your hearing loss isn’t cause by some other underlying problem. Also, since hearing can change over time, it’s important that you have a relationship with a professional that can help you analyze problems and make adjustments over time as you break in the device and learn how to use it over the long term. A hearing professional will do a variety of tests covering the full range of sounds and frequencies you may need assistance or have trouble hearing. What are called tone tests or pure tone tests measure the kind of hearing loss you might have. Speech recognition tests measure the threshold of volume where you can hear and understand speech. Finally, impedance tests help the audiologist understand the functioning of your middle ear in your overall hearing profile. Once these tests are completed, you can expect to be presented with the results of what is called “audiogram,” which will tell you if there is any variation in hearing between your right or left ears, your total level of hearing loss, and at what levels or frequencies you hear best. Your potential hearing aid will then be adjusted based upon these results. There are a number of different kinds of hearing aids available, not only in their operation but also how they’re worn. Conventional hearings aids pretty much are based upon the same “transistor radio” technology of your grandfather’s hearing aids. They have an analog microphone and amplifier, and a man-

Since hearing can change over time, it’s important that you have a relationship with a professional that can help you analyze problems and make adjustments over time as you break in the device and learn how to use it over the long term.

ual “volume” adjustment. The manufacturer or hearing professional can make other adjustments. Though most hearing aids are now ‘in ear’ models, these can be somewhat larger and more obtrusive. The major advantage to this type of hearing aid is cost usually from $300 to under $1,000, and if your hearing loss is minor, specific to only one ear or only necessary in certain situations, say, at theatre or sporting events, an analog aid might be an adequate choice. Computer programmable and digital hearing aids offer greater adjustability to match the specific losses outlined on your audiogram, can be customized for each individual ear, and depending upon the kind and style you get, can be almost invisible “completely in the ear canal” models to “behind the ear” models that have certain advantages of amplification and battery life and size. By far the most popular are those which are almost completely invisible to the casual observer, though they do have some significant disadvantages in terms of not being able to accommodate major hearing loss, as well as reliability problems and just the sheer problem of say, changing a battery in something so small that is often used by the elderly. So, one of the slightly larger “in the ear canal” or “in the ear” models might make more sense for you in terms of the trade off between cosmetic appearance and performance. Expect to pay from two to three thousand dollars or more for a quality in the ear model. Programmable features allow you to set your hearing aid for different listening environments – say “in church” or “watching television at home” – different aids offer different numbers of channels and feature. Finally there are disposable hearing aids that are usually analog models for light to moderate hearing loss. Like disposable contact lenses or those drug store reading glasses, these models can represent a significant cost savings at about $40 a piece for about a month or so of life defending upon use, are a good way to “try out” having a hearing aid in general, but are no substitute for a professional analysis of hearing loss and a permanent hearing aid solution. Copyright © 2005 Publishers-Edge

Purchasing a Hearing Aid You can purchase your hearing aid from either an audiologist, a nonphysician specialist with a degree in measurement and treatment of hearing impairment, or a hearing-aid dealer. Whether you use an audiologist or a hearing-aid dealer, you need someone who will work with you over several visits to find the right

hearing aid, teach you to use and maintain it and then be available to service it in the months and years to come. Following are a few additional steps you can take to find a reputable, skilled hearing-aid dealer or good audiologist. Avoid those who sell only one type or brand of hearing aid. No man-

ufacturer makes an aid that’s right for everyone. Make sure the hearing aid dispenser offers at least a 30-day trial period for the hearing aid and services the aids that he or she sells. Find out exactly what’s included in the price. Some dispensers charge separately for the hearing aid and the fitting; some will quote an all-in-one

price. Watch out for excessive and nonrefundable fees. Some hearing aid dispensers may charge a “restocking fee” or a “dispensing fee” analogous to the dealer surcharges added on to some new cars. Know whether the warranty is honored by the manufacturer or by the dispenser.

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Jan. 19 - Feb. 1, 2009

How to Know if You Need a Personal Injury Lawyer BY CHARLES HOFFMAN We’ve all heard the story: a little old lady drives through a fast food restaurant and orders a cup of coffee. In the process of....transporting the coffee it spills and, because it was served at such a dangerously high temperature, the little old lady received massive, painful and disfiguring burns. She sues the fast food restaurant and a jury awards her millions and millions of dollars in punitive damages, 2.7 million dollars, to be exact. But here, according to the Ohio Academy of Trial Lawyers web site, are some things you don’t know. For years this fast food restaurant had had a problem with the temperature of their coffee – having settled more than 700 incidents of scalding coffee burns previously. The little old lady, who had never sued anyone before in her life, did indeed have very serious burns, which required skin grafts and a 7day stint in the hospital. And finally, on appeal, that 2.7 mil awarded by the jury was reduced to just $480 thousand even though 2.7 million dollars represented just two days of the entire corporation’s coffee sales. Yet this case is often cited as “the problem with our legal system,” where undeserving plaintiffs squeeze millions of dollars out of beleaguered corporations resulting in, well, the high cost of everything. As is readily apparent from the facts above, however, the woman had a legitimate claim, and the fast food restaurant was indeed, as the jury described “willful, reckless, malicious and wanton,” in other words, negligent of the little old lady’s and quite a few other people’s safety. However legendary and however often misconstrued, the “fast food coffee lawsuit” is a great example of when someone did indeed legitimately need a personal injury lawyer. To simplify the whole thing greatly, according to the American Bar Association, most personal injury cases are based upon situations deriving from negligence – like auto accidents, the most common of personal injury cases – or from intentional wrongdoing or what is called “strict liability,” a situation like that old Saturday Night Live skit where Dan Ackroyd is selling bags of broken glass as toys for tots: as the

According to the American Bar Association, most personal injury cases are based upon situations deriving from negligence – like auto accidents, the most common of personal injury cases – or from intentional wrongdoing or what is called “strict liability,” a situation like that old Saturday Night Live skit where Dan Ackroyd is selling bags of broken glass as toys for tots: as the Bar Association says, “unreasonably dangerous when used as intended.”

Bar Association says, “unreasonably dangerous when used as intended.” These are the bases on which you can file a civil suit: if you’re out for revenge, remember that a personal injury case isn’t a criminal proceeding, so you can’t put that guy who ran over your bike in jail. Actually, one of the best ways of deciding whether you want to become involved in a personal injury lawsuit is by watching some televised court proceedings. Judge Judy, The People’s Court and others all basically deal with small claims and personal injury. Unless you are seriously out-of-pocket or you have ongoing expenses or other problems directly related to someone else’s negligence, intentional wrongdoing or strict liability as described above, either settling out of court with the threat of a lawsuit or finding some other way to solve your problem, including going on Judge Judy, may be the way to go. Though we’ve all heard it said that in America you can “sue anybody for anything,” remember that there are also penalties for misusing the court’s time and energies with frivolous lawsuits, so before you decide you’ve been wronged to the extent of legal action, you should probably contact a good personal injury attorney to evaluate your claim. Since, in many cases, personal injury lawyers operated on a contingency basis where they only get paid if they win your case and then take a reasonably substantial (but fair, considering their risk) portion of whatever judgment or settlement is reached. Remember, again according to the bar association, that only a very small percentage of personal injury cases ever go before a jury, most are settled out of court, so be aware and ready for that suggestion from your attorney. Also, remember to shop around. Like other professionals, not all attorneys will give the same advice on every situation. And make sure you have a complete understanding of all the fees and potential expenses that can result from your lawsuit. For example, if you lose your case, you may end up paying costs of the defendant as well as your own.

Copyright © 2005 Publishers-Edge

It is not about the money If you’re thinking about filing a personal injury claim to add a few extra dollars to your dwindling bank account, remember that the legal system as portrayed on TV, and often

as reported in the media, bears little resemblance to reality. Most attorneys and other members of the legal profession, are serious and law abiding members of society

who have no desire to be involved in something that wastes their time or the courts. Also, if you do a little research, you’ll find that many, many of the

huge damages awarded by jurors and reported in the news are reversed and/or reduced on appeal like the fast food lawsuit described in this article.

Jan. 19 - Feb. 1, 2009


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Jan. 19 - Feb. 1, 2009

Choose an Engagement Ring BY HOLLY SORENSON Purchasing an engagement ring may be the biggest purchase you have ever made and its significance will be long lasting. The tradition of giving an engagement ring dates back to ancient times. Early engagement rings were made of woven plant material and replaced yearly. Brides-to-be in Roman times wore rings made of iron, while in medieval times; grooms placed a ring on three of the bride’s fingers to represent the Holy Trinity. The placement of the ring on the third finger of the left hand dates back to ancient times, as this finger was believed to be the only one with a vein running directly to the heart. While many of these traditions have evolved, the giving of an engagement ring remains a time honored and cherished tradition celebrated worldwide for brides and grooms to be. The two-month salary rule remains a common starting point for your ring budget, but there are many factors to consider when selecting the right ring for your mate.

By far diamonds remain the most popular choice for engagement rings, as they are one of the most beautiful, durable and natural gemstones. Diamond quality can be characterized by the following: cut, color, clarity and carats. Cut refers to the shape of the stone. The better the cut, the more the diamond sparkles. The majority of engagement rings are set with a round diamond. Other options are oval, princess, emerald, marquise, radiant, and pear and hard shaped. The cut you chose is more a matter of personal choice and is reflective of the diamonds appearance, but not its value. Diamond color is classified by a letter grading system, starting with D, for those diamonds with a blue tone to the letter Z for yellow stones. Colorless diamonds are the most highly valued in terms of quality and price. The clarity of a diamond refers to the number of internal flaws within the stone. The fewer the flaws, the more valuable the stone. The carat is the size and weight of a diamond, with larger diamonds having

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more value than their smaller counterparts. There are 100 points in one carat, with the average engagement ring measuring approximately .75 of a carat. Selecting your rings metal is another matter of personal preference. Platinum is the strongest and purest metal and is more rare and more expensive than gold. It is resistant to damage, will not chip or tarnish, but is difficult to repair. Platinum is gaining in popularity, as it is worn by 1/3 of today’s engaged women. Most engagement rings are made of gold. Pure gold is 24 karat, while lesser numbers mean that the ring is made up of a blend of a portion of gold and parts of another metal. Eighteen karat is the most popular engagement ring setting. Gold is a less expensive, softer metal that does not tarnish, can be more easily damaged and repaired. A diamond’s setting refers to the arrangement of stones within the frame of the ring. Solitaire settings with a single stone are the most popular engagement ring setting. Other settings may have side-diamonds for added sparkle or side-gemstones for added color. Engagement rings are found in jewelry stores and jewelry departments in some department stores. The bridal couples should at a minimum discuss ring preferences and if possible shop for the engagement ring together, either before or after the formal proposal. The ring selected should be a reflection of the bride-to-be’s taste and be a style that she is fond of, as it is something she’ll wear for the rest of her life. Don’t be afraid to ask for her input. It has become customary for the engaged couple to shop for and pick out engagement and wedding rings together. The couple should visit several jewelers to compare styles, workmanship, and price and customer service. To ensure that you are getting the best value for your money, go to a jeweler with a good reputation and who you can trust. When making the all important purchase of an engagement ring

there are other services and guarantees to consider beyond price, quality and service. The best diamonds come with a diamond certificate or grading report form from an independent third-party assessor. This report represents the only guarantee of the quality of the diamond’s cut, but does not add to the stone’s value. Be sure to ask your jeweler about it. Ring appraisals are high recommended, as you can send it to your insurance company to establish coverage in the event of loss, theft or damage. Before you buy a ring, always inquire about the jeweler’s return policy and if any return fees are assessed. Depending upon the jeweler, you may be able to have your engagement ring custom made to your specifications. An advantage of custom-made jewelry is you can have matching sets for the bride and groom for the engagement and wedding rings. Be prepared to incur additional charges for this service. As you can see engagement rings vary in style, quality and price. Many of your decisions will be reflective of personal tastes and your allowable budget. There are many fine jewelers who can help assist you in this all important, life lasting purchase.

Copyright © 2005 Publishers-Edge

Jan. 19 - Feb. 1, 2009


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How to Choose a Pharmacy BY MIKE DUNN When choosing a pharmacy for your family, there should be other considerations aside from a convenient location or even cost. After all, there is much at stake in selecting the right pharmacy and the right pharmacist. This is a person that you, your spouse and your children may be dealing with for many years. Your pharmacist, first and foremost, should be someone you know and trust. According to the Web site, you should give as much consideration to choosing your pharmacist as you do to choosing a doctor. Pharmacists are health care professionals specializing in medicines and their appropriate use. Because of this, your pharmacist plays an important role in your personal health care and the health care of your family. The importance of assessing personal service in selecting a pharmacist is considered critical by most patients. In that regard, here are some questions to ponder:

How accessible is the pharmacist? Is he or she easy to talk to and willing to hear your concerns? During what hours is the pharmacist available to answer your questions? It is important to choose one pharmacist with whom you can establish an ongoing relationship. Also, by choosing one pharmacy, a complete record of the medicines you take is in one place, making them easier to coordinate and manage. Your pharmacist can alert you to possible drug interactions - particularly if you take a number of different medications - help you track refills on important prescriptions, and provide any necessary detail on short notice. It is wise to consider your entire family’s pharmacy needs. Often, a pharmacist can help you with special circumstances, such as when you are taking care of an elderly relative. If you have aging parents that live nearby, you might ask, for example, if it is possible to deliver prescriptions to their home and send the bill to you. Not all pharmacists and/or pharmacies provide the same services. All pharmacies

are required to meet minimum standards. Most, however, offer services and conveniences beyond the minimum requirements. When choosing a pharmacist and/or pharmacy, you should evaluate your needs and make a selection to meet those needs. Here are some other suggested questions to consider: Does the pharmacist take time to answer your questions in a manner that you understand? Is the pharmacy open during hours that fit your schedule? Does the pharmacy deliver? If so, are there restrictions or additional charges? If there is an emergency, does the pharmacy provide after-hours service or a special emergency telephone number? Are charge accounts available? Does the pharmacy handle the drugs you expect to be taking? There may be a higher cost for additional services or conveniences such as delivery, charge accounts, and emergency service. Real value, however, comes not only from the price of your prescriptions, but from having your specific needs met at a fair price. It is also very helpful to become thoroughly familiar with your insurance benefits as they concern your prescriptions. For example, some prescription benefits plans will only pay for the dispensing of a certain days supply of your medication. If your physician issues a prescription for a larger supply of medication, the pharmacy will have to decrease your quantity dispensed or your insurance company will not pay for the medication. Obviously, since your physician is issuing the prescriptions, it is important to advise your physician concerning any prescription restrictions under your prescription benefits plan. Not every pharmacy will accept your prescription drug card. A pharmacy must sign a contract to provide services for each prescription benefit plan. The owner of the pharmacy must review each contract and decide which insurance plans the pharmacy will accept. If the pharmacy does not accept your prescription card, the pharmacy probably does not have a signed contract with your health insurance provider. In some cases, pharmacy owners may take steps to add your prescription benefit plan if asked to do so. Once you weigh all the factors and choose a pharmacy, it is strongly recommended that you use this pharmacy for all of your prescriptions needs. This allows you to receive the greatest benefit from the “screening” for drug interactions, etc., by your pharmacist since this one pharmacy has all of your prescription drug records. Copyright © 2005 Publishers-Edge


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How to Choose A Hair Salon

Hard on the heels of picking a doctor, lawyer or accountant, choosing a hairdresser (or barber, or stylist, or whatever) is one of the most critical decisions you can make these days, whether you’re male or female. Ignoring for the moment that the individuals who cut our hair, like bartenders, often also stand in as informal life coaches, today your hairdresser’s vision of who you are (and how well they and their team execute that vision) can catapult you to the head of the pack in the power/money/fashion matrix that dominates our culture, whether it’s in the boardroom or the singles bar. If you believe in the term “perception is reality” then hairdressers are kung fu masters in the ever more complex world of appearances. If you’re unfortunate enough to have lost your stylist, or have never really found one who rocks your world, appearance wise, if only for the sake of your future happiness and success you need to make some time to concentrate on the search for the perfect hairdresser. A friend of mine and I recently joined

forces to plan a makeover for an extremely attractive but “hairstyle challenged” friend of ours who is embarking on an exciting new career, and I can tell you from personal experience that in many ways it’s really more about you, the client, than it is about the barber. So first things first, do your homework. Talk to all your friends and friends of friends, pore over your newspaper’s society pages and find out where those people get their fabulous hair cut. Whenever the local (or even national) talk shows are doing makeovers, write down who’s doing the hair. From this, you’ll be able to develop a hit list of potential choices. Next, set up an appointment: not for a cut (not yet) but for a ‘consultation for cut and color.’ Before you go, have at least some idea of what you absolutely do not want (like a buzzcut with green highlights.) Not only will this rule out the salons which seem to be turning out rainbow hair-dos on a regular basis, but you’ll at least be able to communicate the outer limits of your imagination to your stylist even if you don’t know what you do want. You can research what you’re looking for in fash-

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ion magazines, you can find your “celebrity twin” whose facial features and coloring most closely match your own and mimic their obviously expensively purchased “look,” but ultimately you need to create that bond of trust with a hairdresser that stands the test of time and fashion, so communication is key. In your consultation appointment, be honest with the stylist (who may also bring in a colorist or other colleague) about everything. For example, if you prefer your hair long to the point of bursting into tears at the thought of having an inch of it removed, make that clear. Though they may eventually (and probably should) talk you into a short haircut, at least you’ll have had the conversation and know what’s coming. Never, ever, be intimidated by a hair professional or feel that your opinion isn’t important. If they’re the kind of hairdresser you’re looking for, they will be more than capable of using the information you give them to convince you to do the right thing, hair-wise. So let it all hang out, insecurities, childhood hair traumas, anything that might help them bring out your best self as opposed to the combination of self delusion, desperate clinging to youthful fads and other bad choices that has resulted in far to many Farrah-do’s and mullets walking the streets. Then, pick the stylist you feel most comfortable with, who’s taken the time to listen and who seems to understand that finding the right cut is a professional process, not a $100 bucks for 20 minutes transaction. And my “hair challenged” friend? We eventually found her a salon whose owner had been feature on “Oprah,” right around the corner from where she lives. Her consultation with the stylist luckily resulted in an instant bond between them. She was confident enough to go ahead with what turned out to be a spectacular cut and, after a period of adjustment, has another appointment to consult about color. Inexpensive? No, but the confidence the transformation has already wrought is priceless. Copyright © 2006 Publishers-Edge

Jan. 19 - Feb. 1, 2009

Hair Stylists can help a man’s image too If you’re a man, and you’ve gotten this far, read on. In today’s competitive environment, having the right haircut AND color is just as important for men as women. Of course, the lengths to which you go (no pun intended) are up to you, but if you’re losing your hair and trying to hide it with a comb-over, are prematurely gray in a manner that doesn’t remind people of Anderson Cooper or have any other hair issues, you probably need to find a new hair professional. Now, you may find the ‘communicating about hair’ part challenging, but think of your stylist like a golf coach, tennis pro or poker expert: someone you need to be at the top of your game.

Jan. 19 - Feb. 1, 2009


Top Things to Remember When Choosing Supplements 1. If you have a chronic or serious health condition you should consult your doctor before taking any nutritional supplements. 2. Vitamin C is a powerful antioxidant that has many beneficial effects, including boosting the immune system. 3. Never take more than the recommended dosage of vitamins without consulting a doctor. Some vitamins can be toxic if taken in large doses over a long period of time. 4. Don’t rely on vitamin supplements alone to stay healthy. Eat a variety of healthful foods to increase your intake of natural nutrients.

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Early Childhood Education Program 2 through Kindergarten The Roig Academy’s early childhood education program offers an exceptional preschool for children from ages two through kindergarten. We provide young minds with a well rounded, exciting and enriching curriculum designed to thoroughly prepare them for the elementary years.

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Jan. 19 - Feb. 1, 2009

How to Select a Pre-School BY CURT HAGEDORN Not so long ago, most children stayed home with Mommy until the ripe old age of five or even six before tearfully boarding that big yellow bus to Kindergarten. Nowadays, however, children are often in day care from the moment they are born, and most enter preschool around 3, or even as young as two (potty training seems to be the line of demarcation.) Naturally, as more parents are looking for more pre-schools, the best ones become more competitive and the other should be looked at carefully to ensure that your child is well taken care of, supervised and prepared in whatever way you think best to continue into regular public or private kindergarten. Of course, one of the best ways to select a pre-school is to talk to other parents, as well as to the school Principal or counselor or Kindergarten teacher at the public or private school the child will eventually attend. From these individuals you can develop a list of schools that you at least can trust and that have been proven to prepare children for eventual passage into the upper grades. Once you’ve talked to a number of people, you’ll also be able to form a better opinion on your own of what you want your child’s preschool experience to be, if you want more rigor or more freedom, and what if anything specific you expect your child to learn while there. All parents have different expectations and though recently there’s been a small but increasingly vocal backlash against over scheduling and overtaxing children at earlier and earlier ages – yes, that’s homework your little one is bringing home from Kindergarten – you need to make the choices you feel are right for you and your child. Once you’ve made some sort of initial decision on a few preschools, and of course have found out whether there is space available at all, try not to get caught up in the “I hope my child gets in syndrome” but rather look at it as “I hope this school meets with my approval.” In other words, you should take at least a few hours from your workday to go to the school and observe and participate before applying or enrolling your child. And it’s best to do this without a great deal of notice, what you want is a typical day, not a guided tour. If the school can’t understand why you might want to pop in unannounced, you might want to continue your search – there’s little that you can do that’s so disruptive to the education of

a room of three year olds to justify keeping you out, unless of course they’re all napping. Make sure you do as thorough an assessment as you can, looking at not only the facilities and space – pre-schools can vary widely in what they provide to your children, you may find a completely equipped computer room or state of the art equipment for art, music and sports. Check and see what any outdoor play areas consist of and evaluate their safety. And make sure you take a look at the safety and supervision aspects as a whole – how easy would it be for a child to wander off? Finally, observe a class and the interactions between teachers and children – are children as obedient as can be expected, are the engaged, how to teachers deal with the inevitable free spirits and loose cannons in the class – what are the underlying lessons your kids are learning about self discipline and self esteem? When you get to this point, you’re also probably going to experience some sticker shock at the cost of pre-school – particularly if you have more than one child. It’s this phenomenon that is often leading parents to a further step – deciding against preschool and having one or the other parent stay at home with the child during these formative years. It’s really only after you analyze all the expenses of pre-school – you may be surprised to find that some can cost as much as a college education – that you can truly decide whether or not pre-school is the right choice for your child personally and educationally and for your family economically. Copyright © 2005 Publishers-Edge

Jan. 19 - Feb. 1, 2009


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Jan. 19 - Feb. 1, 2009

How to Choose the Correct Amount of Life Insurance BY TRACY JOHNSON There comes a point in everyoneâ&#x20AC;&#x2122;s life when they begin to worry about life insurance. Today this worry seems to come sooner and sooner. Younger people are beginning to see the benefits of having life insurance, especially when they have married and begun a family. Life insurance is an insurance policy that not only covers your death expenses, but also helps your family continue on in the lifestyle you have helped provide for them. So how much insurance should one have? That seems to be the question many people are asking. There are a few different ways to figure this out. The most important thing to remember when purchasing life insurance is that you are not purchasing if for yourself. Rather, you are purchasing it for your surviving loved ones so that they can continue to cover the financial obligations you have contributed to. So the key to finding out how much life insurance you need is to figure out how much money would it take for your family to continue to meet their obligations and live their lives as if you were still there contributing towards them.

Your loved ones will need the obvious funds for your final days. These include expenses such as medical bills, funeral expenses, settlement of debts, and even new health benefits if your employer had provided them previously. Remember also, that some of these expenses are on going and could continue to change in the future. If you are a primary care giver for dependents, you will also need to provide financial support for childcare services that may arise following your death. However, if you are a single person with no dependents, then setting aside a small savings for funeral and estate expenses could suffice. The nice thing about life insurance is that the size of coverage you need can be reduced by the amount of savings and liquid assets you own. Liquid being the operative word here. You donâ&#x20AC;&#x2122;t want your family to have to start selling their cars and home to continue living. This would drastically change their lifestyle. However, if you already have stocks, bonds, money market accounts, and retirement accounts set up, these would be readily available to your family members upon your death. Also, if your spouse is an income earner or can go

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back into the workforce after your death, this will also help reduce the amount of coverage you would need to meet their daily needs. To determine the correct amount of life insurance, there are a few different steps you can take. The first is to determine your human life value. Now, not everyone can afford the amount of coverage this would entail, but it would be the most ideal way to make sure your familyâ&#x20AC;&#x2122;s needs are covered after you are gone. This method is based on the contributions you would have continued to make in your familyâ&#x20AC;&#x2122;s financial needs if you were still around. A very simple way to determine your human life value would be to calculate the present value of all the income you will earn for the remainder of your life. By purchasing this amount, you would ensure that your family would be in the same financial circumstance as if you were still alive and earning income. A less costly way to determine how much life insurance you would need is to determine what your familyâ&#x20AC;&#x2122;s specific needs are and make sure those are covered. These specific needs usually

include making sure the mortgage is paid off, the cars loans are satisfied, and that college is provided for the children. With these main specific needs covered, most families can continue with the same lifestyle because the large debts are taken care of leaving them with finances for day-to-day life. The final way to calculate the amount of life insurance needed can be completed in a few steps. The first would be to add up all your short-term needs. These are generally placed in three categories: final expenses, outstanding debts, and emergency expenses. Final expenses are medical, hospital, funeral, and attorney expenses. Outstanding debts include credit card balances, auto loans, college loans, and other outstanding bills. Emergency expenses should include a cash reserve for medical emergencies during your final days. After you have added that up, add up your long-term debts. These should include your mortgage, business loans and college tuition for the kids. After that is completed, calculate your family expenses. These include necessities such as childcare, food, clothing, utility bills, entertainment, travel, and transportation. Calculate this figure based on one yearâ&#x20AC;&#x2122;s worth of expenses and figure it based upon how many years you would like to provide this for your family. After you have tallied all your income needs, reviewed all your liquid assets and accessible cash, itâ&#x20AC;&#x2122;s time to figure how much this will amount to. Simply add the short-term debt with the long-term debt, and the family expenses. Now subtract your liquid assets and accessible cash and you will have a firm figure on what your insurance coverage should be. Remember, as a rule of thumb, it is always better to be over insured than under insured.

Copyright Š 2007 Publishers-Edge

Contribute to Your Community Not surprisingly, while Americans can be the most generous people on the planet where charities are concerned, very few of us take full advantage of the opportunities presented by charitable donations. If you have a financial planner or accountant, discuss how you can include a program of charitable giving into your overall lifetime finan-

cial picture. Whether or not this means your yearly tithe to your church, or saving for a larger donation over time, or even setting up a charitable foundation before or after your death, charitable giving is a way of saving on your tax bill in a way that still contributes to your community in the ways you find most appropriate.

Jan. 19 - Feb. 1, 2009


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Choose an Aquarium BY AMY GRANT The sight of a beautiful display of colorful fish in an office building or restaurant often inspires people to set up an aquarium at home. If you decide to do this, there are some pointers you’ll want to keep in mind. You should select an aquarium based on how much space you have available, how much you can afford to spend and the type of fish you want. Aquariums are available in acrylic or glass in a wide range of shapes and sizes. As you try to choose the best aquarium for your particular space, remember how much a fully equipped aquarium will weigh. A 20-gallon tank can weigh as much as 200 pounds once water, gravel, fish and accessories are added. It is important to place your fish tank on a stand that is specifically constructed to hold the weight of an aquarium. Glass aquariums are generally constructed in a box design using separate pieces of glass held together with frames and a heavy plastic top. Silicone helps seal the glass pieces to the frame and prevents leaks. It also cushions the glass pieces against each other to prevent pressure cracks. Many people prefer glass aquariums because they don’t scratch as easily as acrylic and they are generally less expensive and easier to clean. You can find glass aquariums in a variety of sizes from five gallons up to 250 gallons or larger. Acrylic aquariums are usually more expensive than glass, but they offer distinct advantages. Their seams are welded with a special solvent, ensuring that leaks are less likely to develop. Once the aquarium is assembled, the solvent dissipates, leaving the seams stronger than the acrylic base. These solvents are not hazardous to fish and they do not yellow with age as silicone seams do. An acrylic aquarium is more than 15 times stronger than glass and is constructed to flex rather than break. Acrylic is a good choice for families since the construction is virtually childproof. The acrylic offers a clearer view and better insulation than glass. (Acrylic requires less energy to heat.) Another advantage is that acrylic weighs half as much as glass. Fewer seams and bent corners also give acrylic tanks a more contemporary appearance. The biggest disadvantage with acrylic aquariums is that they are easily scratched and more difficult to

clean. Care should be taken to use scrubbers made for acrylic, and only vinegar and water solutions should be used for cleaning the exterior. Ammonia products will crystallize the acrylic surface. Acrylic aquariums usually include a hood and fluorescent light fixture designed to match the tank. With a glass aquarium, you will usually have to purchase a hood and light separately. After size and construction, your next decision is whether to choose a freshwater or saltwater tank. Tanks in the 30-75 gallon range are the minimum size you should consider for saltwater. For those who want to display a variety of fish in freshwater, a 20-gallon tank is a good choice for beginners. Try to place items in your aquarium that will enhance the fish environment. At your pet store you’ll find a variety of plastic plants, PVC tubes, aquarium-safe ceramic ornaments, decontaminated coral and other accessories. You may want to visit a store that specializes in fish to select accessories appropriate for the species you choose. Spiny eels like to burrow in gravel and sand, while black ghost knife fish like to hide in PVC tubes. Other fish may prefer flat rocks and different structures where they can hide from more aggressive fish. A filter is one of the most important investments you will make. You can choose from under-gravel biological filters or external power filters. With an under-gravel filter you will need an air pump or power head to pull water through the filter. Keeping your water clean is essential. Water quality test kits are available to help you determine if you are maintaining the water properly. Lighting is important in maintaining a healthy aquarium. In general, a fluorescent lamp built into the tank hood works best. The aim of lighting is to simulate natural daylight and to enhance the view of your tank. Avoid using incandescent lights, which give off too much heat. Proper heating is crucial to the health of your fish. Freshwater fish usually prefer temperatures between 75 and 78 degrees F. Saltwater tropical fish prefer warmer water of 78 to 82 degrees F. Goldfish and koi can thrive in a broader range of temperatures. In general, four heater watts per gallon of water are recommended.

Copyright © 2005 Publishers-Edge

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Jan. 19 - Feb. 1, 2009

How to Choose a Bank BY MIKE DUNN Choosing the right bank that fits your needs is much easier today because there are many more options available to consumers. The first thing you may want to consider is the type of banking business that fits your needs. If you travel a lot and need quick access to branch offices in other locations, then a national or regional bank will be the best one to choose. If you don’t travel that much, however, and you place an emphasis on customer relations and like the idea of personally knowing the personnel at the bank, then a small, local bank will suit you just fine. A lot of times, people prefer smaller banks for their friendliness. Once the issue of local or regional bank is decided, consider the convenience factor. Look for a bank that is close geographically to where you live or work and offers the same or similar services as other banks in town. Or you may want to gauge your choice on the bank’s accessibility. If you are on the road every day, for example, and a bank is located in a convenient spot along your regular travel routine that might be the best one for you. Most banks have similar services these days, but there are some differences. A good way to check the services a bank offers is to look up its Web site. That will supply you with information about the types of checking and savings accounts that are offered, interest rates on loans, what special services might be available, etc. Know ahead of time what kinds of things you are looking for in terms of service and penalties and perks. Does the bank you have in mind offer online banking and/or ATM service? Does it offer free checking? Does it offer direct deposit? Is the bank’s interest rate lower than its competitors? Answers to these and other pertinent questions can usually be found online. If you have narrowed your choice down to two or three banks in terms of convenience and the type of banking business you do, then visiting the Web sites of the banks could help you make your final decision. If you have researched online

Getting the Best Return

and have evaluated potential banks in terms of convenience and service and still aren’t sure which one to choose, and then take the time to make a personal visit. Are the tellers friendly to you? Are they professional? Do you think you would feel comfortable coming to the bank office and sitting down with a loan officer? Different banks sometimes have different hours when the lobby is open to customers. Which bank offers hours that work best with your work schedule? If you have just moved to a new location, you may want ask neighbors which bank they would recommend. Use that to narrow your choices, and then do your own research based upon the factors listed above. Something else that is important in terms of choosing a bank is to know yourself. What is your purpose in opening an account? Do you have a plan to build a savings account or do you just want an

account so that you have a place to have your paycheck deposited or where you can get your paycheck cashed? Is earning interest important to you? Answering these questions honestly can help you not just in choosing a bank, but in gauging your own personality in terms of finances. If you’re serious about savings, then you will want a bank that offers the best opportunities to its customers for keeping money deposited there. But beware. Before you make any arrangements, be aware of what the penalties are for early withdrawals. If you know you might have difficulty leaving the money untouched, then you may want to consider a contract where the penalties are less severe even though the interest is not as high. Your banker can help you with these decisions, but in the long run, it is best to know yourself and make decisions accordingly. Copyright © 2005 Publishers-Edge

The best way to see a return on the money you deposit in a bank is either through a certificate of deposit or a money market account. The big advantage of a certificate of deposit (CD) is that it offers a greater return than any interest that may be earned in a traditional savings or checking account. Typically, the longer you agree to keep your money in a CD, the higher the interest rate. A CD can range in length from six months to five years or more. Often the interest rate will go up with the amount of money that is invested, as in the case of a jumbo CD. For any type of CD, there are substantial penalties for early withdrawal. (Typically, the penalty will be three months’ interest.) The nice thing about a CD is that the interest rate is locked in, no matter what the market does. But that can be a doubleedged sword; if the interest rates go up while your money is in a CD, you are still locked into the same rate. A money market account is money that the bank uses to invest in short-term loans to government agencies and corporations. These accounts offer some of the benefits of both savings accounts and checking accounts, but they require a rather high minimum balance, usually $2,500 or more. The interest rate is generally higher than what a traditional savings or checking account, however, and the money market account is usually free because of the high minimum balance that is required. One disadvantage is that checks written against a money market account have a minimum standard of $100 or more. A regular checking account does put any restriction upon the amount written for a single check. With the fees associated with traditional savings and checking accounts, such as the charge per ATM visit, the cost per check, the monthly fee, and the cost for a bounced check, it might be a good idea to talk to someone at your bank about investing in a CD or a money market account.

Jan. 19 - Feb. 1, 2009


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Jan. 19 - Feb. 1, 2009

How to Select the Right College BY MIKE DUNN When choosing the college that is right for you, there are a lot of factors to consider. Everything from location to curriculum to cost, among other things, should be weighed and play a role in the final decision. Perhaps the first thing to consider is location. Do you want to commute each day? Is it feasible for you to commute from home? If it is, then your choices are limited to the schools that are within a reasonable driving distance. And that may not be a bad thing. A lot of young people go to a local college for two years before going off to a major four-year university. They’re a little older by then, a little more mature, a little more responsible, and a little more able to deal with being away from home for weeks or months at a time. Even if you are not going to commute, location is still a factor. Do you want to stay in your home state? If you do, how much distance do you want between yourself and home? The distance could determine how often you can come home for weekends or sneak away for a day to visit friends and family. Other factors to weigh that fall under the realm of location is whether you want to go to a school in a smaller city or to a school in a big city. Once you decide location, you can limit your choices accordingly. Size is another key factor. Are you ready to attend a major university with thousands and thousands of others? Think about it before you answer. If you are from a small town, going to a major university will be a big adjustment. If you did well in high school and you were known for your accomplishments in the classroom and/or on the athletic field, you will have to adjust to being just a small fish in a large pond at a large learning institution. If it seems overwhelming, it might be wise to consider going to a smaller, local college for a few years before taking on the challenge of the larger college. On the other hand, if you are focused on academics and have a clear career goal in mind, or if you hail from a big city and are accustomed to being surrounded by large numbers of people, then a big school may be just right for you. If you have a career goal in mind, then choice of a major is very important. Obviously, you want to choose a college that offers a course of study in the field you aspire to enter. Look for colleges that offer the right kind of curriculum. Many young people go to college without a clear idea of what they want to do in life. That’s OK. Enter a college with a strong liberal arts program and get a year or two of classes under your belt. Then, you’ll be

able to choose a career path based upon what you’ve experienced in the college classroom and what you seem to be drawn to. If you know that you want to get into some area of business, then check out the business school of a potential college. If you think you might want to be a teacher, then check out the school of education. There is lots of information available online at the college Web site. Depending on what scholarships or grants might be available to you, cost will be another big factor in your decision. Determine the total cost of tuition with room and board, books, and other fees included. Compare colleges you may want to attend based upon location, size and curriculum and see what the difference is in yearly cost. Find out what kind of financial aid is available to you. If the colleges are all about equal in your estimation in terms of location, size and field of study, then the one that is the least expensive may be the one you want. Other factors you may want to consider before making your decision include religious affiliation, academic standards, social life, and the feel of the campus itself. These factors may be more important to some than others, but should not be overlooked. Schools with a religious affiliation usually have stricter standards, especially in social settings, and provide a spiritual emphasis that is lacking at other places. Schools with high academic standards will inspire some students to study harder and avoid social pitfalls, but for some students the high standards may be a bit overwhelming. All of these factors should be taken into account in the process of choosing the right college. With easy access to information that is available online, it is much easier to gather the data that is necessary to make an informed decision. Copyright © 2005 Publishers-Edge

Jan. 19 - Feb. 1, 2009


Quick List for a More Energy Efficient Home

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Hi-Tech Air Service


Hi-Tech Air Service


13339 SW 88 AVE. Miami, FL 33176


Professional Roofing & Sales, Inc. Commercial • Residential • Metal • Waterproofing • New Roof • Re-Roof • Repairs

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Tel: Amanda Fuentes, President of Professional Roofing & Sales, Inc.

• Turn off those lights, close those doors and shut down electronics. • Replace appliances with Energy Star rated models. • Use energy-saving settings on appliances. • Wash only full loads of laundry and use cold or warm water. • Dry loads of clothes consecutively and clean your dryer filter between loads. • Open windows, ceiling fans and attic fans can replace the air conditioner. • Use timers on lights and programmable thermostats on your furnace. • Check with your local HVAC technician to see how your home’s heating system can be upgraded.

• Clean or replace your furnace filters. • Visit a nearby home center for suggestions on improving your insulation. • Check the weather-stripping between doors and door frames. • Replace incandescent light bulbs with energy efficient fluorescent bulbs. • Replace your old water heater with a newer, more energy efficient model. • Turn down your water heater’s temperature to 120 degrees Fahrenheit or lower. • Look into low-flow showerheads and water-saving toilets.

Copyright © 2005 Publishers-Edge

305.235-5133 Fax: 305.235.5137

10402 SW 186 Terrace • Miami, Fl 33157

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How to Select a Fitness Center BY JOE TALENT

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Everyone is different. People of different ages with different body types will require different fitness training and conditioning. Let your fitness goals guide your search. Before you select a gym, decide on your fitness goals. No one fitness club or piece of equipment is the perfect fit for every fitness need. Figure out what you need to work on. If your goal is maintaining healthy heart you may want to focus on aerobic fitness. If you are targeting that “magazine style” body you may want to focus on strength training or it may be just improving your tennis game. Look for a facility that will allow you to pursue your goal. If you want to focus on weight training, then you may not care whether a swimming pool is available. If you prefer to work out on exercise equipment, a wide assortment of exercise classes won’t be as important to you. Having your fitness level assessed by an exercise or medical professional also can help you decide what areas need work. He or she may be able to suggest specific activities that will help you, such as yoga or stretching classes to increase your flexibility. If you still aren’t sure of your fitness goals, consider joining an all-purpose facility with a large variety of classes and equipment to explore your exercise options. Keep these factors in mind as you sort through the options: Location: Is the health club or fitness center near your home or work? Choose a facility that isn’t too far out of the way of your daily activities. You’ll be less likely to make the excuse, “But it’s too far away.” Hours: Many fitness centers open early and close late to give early bird or late-night exercisers some flexibility. Check with the facility you’re looking into to make sure it will be open at the times you plan to exercise. Envir onment: Is the health club clean? Check out the equipment, floors and locker room. Also consider the overall atmosphere — is this somewhere you’ll enjoy spending time? Equipment: Does the facility have the equipment you’re interested in using? How much equipment is out of order? Too many “Out of order” signs might be a clue to poor maintenance. Does the facility offer activities and equipment suited for your unique health needs? For example, if you have arthritis, an aquatic aerobics class in an indoor or

outdoor pool may match your goals for achieving a higher level of aerobic fitness or flexibility. Accessibility: Is the facility and equipment accessible for people with disabilities? For example, if you use a wheelchair for mobility, is there a wheelchair ramp to ease you into the swimming pool for flexibility exercises or aquatic aerobics? Are the hallways wide enough for a wheelchair to pass? Is there an elevator? Are lockers and shower facilities wheelchair accessible? Classes: If you’re interested in fitness classes, find out what kinds are offered and when. It doesn’t matter how great the classes at a facility are if they’re never at a convenient time. Friendly employees: Do the staffers say hello and smile? Do they circulate around the exercise area, offering tips and encouragement? A caring and friendly staff can go a long way toward helping you stay focused on your fitness goals. Reputation: Talk with other members of the fitness center about their experiences at the facility. You might also want to check with your local Better Business Bureau before entering into any contract with the club. Find out if any complaints have been registered against the facility. It’s up to you to follow through. It is not enough to join a gym. You must put in the work to reap the health benefits. But by joining a club that has what you need you’re more likely to succeed in meeting your fitness goals. Copyright © 2006 Publishers-Edge

Jan. 19 - Feb. 1, 2009


How to Manage Back Pain BY HEIDI SERVEN GET FIT & STAY ACTIVE Leading a healthy and active life style is important for your bodies overall Health. While most people experience back pain at sometime in their life, in many cases back pain can be managed by keeping back muscles strong by staying active and making healthy choices. Walking, swimming and stationary bike riding in conjunction with proper stretching and strengthening exercises are important in any workout routine. Exercise in conjunction with healthy eating and staying active are all ways to maintain your body’s optimum health. Before beginning any new diet regimen or exercise routine it is recommended that you consult your health care provider. Unhealthy behaviors such as smoking impact many parts of the body, including reducing the blood supply to your back, reducing the nutrients to your muscles. PRACTICE PROPER POSTURE In many cases back pain or injury can be avoided by maintaining good posture and when possible avoiding certain activities that may trigger back pain. This will vary by individual. Being mindful of good posture by not slouching, slumping or hunching over and sitting straight and standing tall go along ways to improving the health of your spine. Avoid lifting and carrying health objects. When lifting always bend at the knees instead of bending your back and keep your feet apart for stability and carry objects close to your body. At the office keep your muscles working by alternating positions frequently and using proper ergonomics while working on the computer and using your keyboard. When doing household chores and gardening, avoid stooping, awkward bending and lifting heavy objects. Warm up muscles with simple stretching exercises before doing any physical activity. SELF CARE REMEDIES Back pain should not and most often cannot be ignored. Unless there is a serious, underlying cause for the pain you are experiencing the best thing for treating back pain is to stay as active as possible. While bed rest was once believed to be an effective method of treatment, bed rest is no longer recommended. After an injury occurs, reducing physical activity for the first few days is recommended to help reduce inflammation and alleviate symptoms, but gradually resuming your regular activities is the best medicine to

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Nutritional Health Acupuncture Chiropractic Massage Therapy Podiatry Pharmacology

Adult Family Medicine Addiction Medicine treating a bad back. Below are some quick reminders for responding to a back injury or flare up: Ease pressure on the back by placing pillows under and between your knees while resting or sleeping. Use ice or heat to calm back spasms and manage pain. After an injury or flare up ice packs should be applied to the area for no more than 15 minutes at a time for the first 48 to 72 hours. A heating pad, hot water bottle or hot towel can be used as needed after a couple of days. Too much cold can trigger spasms, while too much heat can cause more inflammation and hinder healing. Over the counter medications such as ibuprofen can assist in providing pain relief. Check with your doctor to find out the best choice for you. INVOLVE YOUR HEALTH CARE PROVIDERS Back pain can also be managed through massage, physical therapy and by visiting your chiropractor. Don’t wait until you are in pain to get help. By keeping your back muscles healthy on a regular basis, you may be able to prevent future problems. Acute back pain may be a sign of more serious health concerns. Listen to your body and respond. You should seek medical attention immediately if you have any of the following; Unexplained fever with back pain Back pain as a result of a fall, severe blow or auto accident You have weakness or numbness The pain is very sharp The pain is worse when lying down or awakens you from sleep The episode has lasted more than four weeks Copyright © 2005 Publishers-Edge

Dr. Erik van Ginkel 7000 S.W. 62nd Ave. #400 • South Miami, Fl 33143 305-665-0585 • Dedicated * Experienced * Discreet


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How to Choose a Dentist BY MIKE DUNN A good first step in choosing a dentist is to ask neighbors, friends and coworkers about the family dentist they have chosen. This is especially helpful if you are moving to a new community and haven’t had time to become acclimated to your surroundings. If there is one dentist who is mentioned frequently and you like what you are hearing, the next step is to schedule a visit to meet him or her and get acquainted. The purpose is to see if you feel comfortable with this person and his dental practices. After all, the dentist you choose will be working on your teeth and the teeth of your spouse and children for possibly a long time. Ask the prospective dentist about his philosophy of health care. You might be surprised at the answer you receive. Ask about fees, payment plans, and insurance coverage. You know what your financial situation is, so it is proper for you to initiate the discussion. How did the dentist and his or her staff respond to you? Was there a professional atmosphere in the office? Did the dentist and staff take the time to listen to your concerns and seem genuinely interested? A dentist who seems too rushed or too

busy to take the time to get acquainted may not have the time to address your personal needs and concerns down the road and is probably not the one you want. Something else to consider is the size of the dentist office. This isn’t always the case, but sometimes a dentist with a large practice and a large staff has little time to devote to individual patients. He or she is too busy working and keeping up with the cost of the practice! Large dental practices are more likely than smaller ones to hurry patients through without taking the time for proper examinations or thought to what is actually best for the patient. First and foremost, you want a dentist who has your best tooth care and treatment in mind. You can also make evaluations about a prospective dentist after your initial examination. Did the dentist take the time to do a thorough exam so that no problems or potential problems are missed? A thorough dental examination includes not only inspection of the teeth and gums, but also of the tongue, lips, inside of the cheek, palate, and the skin of the face and neck, plus feeling the neck for abnormal lymph nodes and enlargement of the thyroid gland. A

good dentist is also on the alert for periodontal (gum) disease. Did the dentist check for signs and symptoms of periodontal disease such as bleeding from the gums and/or pockets of decay? After the exam, did the dentist establish goals for your long-term care?

In March of 1997, Consumers Research provided a number of questions for consumers to ask themselves after they have received treatment from a dentist. These help determine the level of the dentist’s skill. Here are the questions: How does your bite feel? Is any of the dental work irritating your gum? Does the treated tooth look like a tooth? Does dental floss or your tongue catch on the tooth? Did the dentist take time to polish your fillings? Do you feel pain when drinking hot or cold liquids? Was any debris left in your mouth after treatment? Does the dentist use a water spray to cool your teeth while drilling? Other things to watch out for in evaluating a prospective dentist are an emphasis on mass production rather than quality care; an emphasis on cosmetic procedures and one-visit comprehensive treatments; and the routine use of intravenous sedation. Your dentist should be someone in whose judgment you trust. You are entrusting to the dentist the long-term tooth care of your family. Asking the right questions ahead of time can help to assure you of making an informed decision that you won’t regret in the years to come. Copyright © 2005 Publishers-Edge

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Jan. 19 - Feb. 1, 2009

Choose a Funeral Home BY AMANDA KNOLES Making decisions about a funeral can be confusing, especially since family members are already experiencing emotional distress. A caring funeral director can help guide you through planning a funeral as painlessly as possible and help carry out any wishes the deceased may have requested in advance. Funeral directors are trained to assist you in making decisions and they can suggest options that best fit your financial needs. During such an emotional time many people, who are otherwise practical, throw caution to the wind and end up spending far more than they can afford. Remember you can give your loved one a dignified burial and funeral service without buying the most expensive casket. Ask other family members, your minister, and friends if they can recommend a good funeral home.

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A funeral director that has worked with your family or a close friend in the past may offer more personal service than a company chosen from the phonebook. Some funeral homes are family run businesses while others operate more like a corporation with several branches in different locations. Discuss available services to determine which funeral homes best suit your family’s needs and budget. Many funeral homes offer packages of frequently selected items and services. The law requires them to supply you with a written price list, and funeral homes must also honor your request if you choose to use a casket or urn purchased elsewhere. (Be sure to inquire if the funeral home is experienced in handling special religious or ethnic requirements.) If finances are a problem for your family, let the funeral director know. He may be able to suggest alternatives that make the service and burial more affordable, or he may inform you of funds you may be entitled to receive through the Veterans Administration or Social Security Administration. One of the major choices you will have to make is whether to have an inground burial, aboveground burial or cremation. With an in-ground burial, you will purchase a cemetery plot, a casket and possibly a vault. (Many cemeteries require the purchase of an outer vault in which the casket rests.) With an aboveground burial the deceased is placed in a casket or urn that is kept in a crypt in a mausoleum. Some families choose to cremate the body and place the ashes in an urn. Often a funeral service after cremation includes distributing the ashes at sea or in another favorite spot. This is not legal in every state, but your funeral director will advise you of proper procedures in your area. Funeral homes can show you a wide range of urns from plain and simple to elaborately decorative. Cremation is usually less expensive than inground or aboveground burial, although some families who choose cremation still bury the ashes in a cemetery plot. Once a cemetery plot has been purchased, choosing a casket is probably the most difficult decision. You obvi-

ously want to honor your loved one with a dignified presentation, but you don’t want to overspend. Caskets are constructed using a variety of materials including cloth-covered particleboard, hardwoods, steel, copper, bronze and 14K gold overlays. They vary in price from $200 to over $25,000 and the interior may be lined in velvet, satin, silk or other fabrics. Vaults (the outer container required by some cemeteries) are constructed of metal, cement, plastic or a combination of materials and cost from $350 to $2500. Funeral services usually include the removal and transportation of the deceased from the home or hospital to the funeral home and to the service and burial site. Along with providing a hearse for the deceased, the funeral home may include a limousine for transportation of the family to the service and burial site. Your contract with the funeral home should also include the cost of embalming and preparation of the body, and a specified period of time for visitation. You may choose to have the service at the funeral home or a church. The funeral director may also offer to help you with additional services such as flowers, a musician, clergy, memorial booklets, or newspaper notices. You can make all of these arrangements on your own if you prefer. It is wise to take a trusted friend or family member with you when making the funeral arrangements. Choose someone who can be objective if you become too emotional. Funeral directors must stay abreast of all legal, medical, cultural and religious regulations to ensure that the funeral is carried out as smoothly and efficiently as possible. They are also trained to inform families of benefits that may be available for veterans, widows or people with low income. When you are comparing funeral homes be sure to consider the variety of services offered along with the prices. Some funeral homes offer more personal services than others, which can be a tremendous comfort to families in a time of grief.

Copyright © 2005 Publishers-Edge

Jan. 19 - Feb. 1, 2009



How to Choose a Health Spa

The word “spa” is bandied about a lot these days. There are “spa” personal care products and “spa” towels and “spa” robes and entire “spa” bathrooms: bathrooms filled with those luxurious products and fluffy white cotton towels and robes. And don’t forget “spa” cuisine which even extends to “spa” frozen dinners. But if you really want to get to the bottom of the resurgence of spas and spa treatments, just look at our over-scheduled and stressed out lives. We all need a little more pampering on a daily (or at least weekly or monthly) basis. The idea of a spa harks back to the turn of the last century, when the very wealthy traveled to places like Baden Baden and Nauheim in Germany to indulge in the supposed healing properties of the natural springs there. Over time, the meaning of the word spa has expanded to include all manner of pampering mixed with healing: mental, physical and spiritual. And of course, when it comes to the very wealthy, nothing has changed very much. For example, one of the oldest spas in the United States, the Golden Door, offers guests a chance to “fulfill your dream of a perfect week in paradise” with programs designed to ‘rejuvenate mind, body and spirit.’ This kind of experience naturally does not come cheap, requiring a non-refundable deposit of $1,000 per person, to which you’ll add an additional $6,500 per week for a personalized fitness and treatment program, spectacular accommodations, gourmet meals created from the bounty of the Golden Door’s own gardens, and a great deal more. In the world of spas, however, the Golden Door is hardly the most expensive. Resorts around the world have jumped on the spa bandwagon and offer a wide variety not only of exercise, classes and meal plans, but programs designed to reduce stress, improve your emotional and spiritual health, raise your self esteem and, in general, prepare you to be the ultimate warrior in your chose field of endeavor when you go back to the outside world. But just because you don’t live a “rich and famous” lifestyle, doesn’t mean you don’t deserve that little something extra that rejuvenating spa treatments can provide. If you’re looking for something a little more close to home (and a lot less pricey) there also “day spas” cropping up all over the country, many times connected with either gyms or beauty salons or as freestanding franchises, so it’s more than likely that you’ll be able to find the genuine

healing properties of a spa treatment just around the corner. And spa treatments don’t have to be expensive. On a recent walk around my own neighborhood with a stressed-out friend, a local day spa was offering a special half-hour massage, pedicure manicure for only $30. A word to the wise: do a little research on spa treatments to find out what they entail and what kinds of products they use. Though there should be very little risk, it’s possible that, since many spas use all natural ingredients (even vegetables and fruits) to create their proprietary products, you might be allergic. Like in a restaurant, it’s always best to ask. Also, massage and other physical therapists and teachers often have licens-

ing and other requirements they must pass. Look for these before you put your body in their hands. In general: if you are paying for classes or treatments it’s a good idea to have a resume and references up front which, fortunately, most spas however large or small provide. Remember, if the services and treatments are as effective as they say, there should be plenty of people willing to sing their praises. Also, ask your friends, colleagues, and of course your hairdresser or other beauty professional for recommendations. Your local hair salon may be offering a variety of services from manicures and pedicures to massage, facials and body wraps that you never even knew about.

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Finally, even if you can’t indulge in a week of spa treatments, a simple half hour chair massage, a facial or other treatment can often provide just what you need to relieve the stress and anxiety of your everyday life, and in most cases you can purchase the healing products to take home, and your local spa practitioner often offers classes or other advice on how best to use them between visits as part of a stress-relieving program of yoga, meditation or other exercise that emphasizes stretching and breathing. Most of us never take the time to really relax and be pampered. With more spas and spa treatments available than ever before, it’s time we started. Copyright © 2006 Publishers-Edge

Some questions to ask before joining a fitness center How long has the center been in business? Is the center affiliated with a national chain or is it private? What is its policy regarding refunds if the facility closes during your term of membership? Does the center offer price promotions or family member discounts? Does the center’s contract allow you to opt-out within a certain number of days if you change your mind?

Do you prefer a same-sex or a co-ed gym? Do you want a full-service center with personalized fitness trainers on-site or do you prefer to work out independently? Do you want a center that offers floor aerobics, water aerobics, kickboxing or yoga? Do you want a center that specializes in body-building and competing or a center that is more into fitness training and toning?

Do you want a center that caters to the athlete and has racquetball, basketball and tennis courts available? Do you want a center with a pool, sauna, steam room or whirlpool? Is the center within an easy driving distance to your home? Are there private changing rooms and showers available? Are the cost and payment options within your budget? Copyright © 2005 Publishers-Edge

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How to Choose a Cosmetic Surgeon


For whatever reason or reasons you are considering cosmetic surgery — to improve your appearance or for medical purposes — it is wise to do your homework. There is plenty of help available these days for someone seeking information about surgeons and procedures. Take advantage of the resources at your disposal. You want to hire a surgeon with the skill and training and experience to handle your procedure professionally and without complications. There is no reason why this can’t be accomplished if you take your time and make a systematic evaluation. Your goals are to obtain as much information as you can about the procedure, carefully evaluate the credentials of the physician, and thoroughly discuss your questions and expectations before you proceed. First, check the paper for a wellrespected cosmetic surgeon. Then check for personal recommendations. If you have family members or friends who have already undergone the type of cosmetic surgery you have in mind, their input will be invaluable. What was their

experience? Did the procedure go as planned? How would they grade their surgeon in everything from professionalism to friendliness? Was the surgeon there to support them or talk to them before and after the operation? If you don’t have friends or family members who have undergone similar procedures, don’t fret. There are professional referrals available from doctors or through organizations such as the American Board of Plastic Surgery and the American Society of Plastic Surgeons. You can also search for information online or arrange to speak with a consultant. There are lots of viable options. Once you have the names of some doctors who you are considering, do background checks. With a little effort, you can verify such things as board certification, license status and/or malpractice claim history. The American Medical Association (AMA) or your state medical board will supply you with the medical school attended, the kind of training received, and certifications (but not disciplinary action) of a doctor at no charge. You can also verify board certification through the American Board of Medical Specialties (ABMS) online at, or by calling 1866-ASK-ABMS. For a small fee, you can visit your local courthouse and research any claims or actions taken against a particular physician. The Federation of Medical Specialty Boards (FMSB) oversees all of the United States medical boards, and collects data on board actions taken against physicians that are certified by the American Board of Medical Specialties. Now that you’ve done your background checks, the next step is to speak with the doctors (notice that is plural). As with any surgical procedure it always recommended to get more than one opinion. Be sure to ask them for patient referrals so that you can speak with someone who has been through the procedure already. The aforementioned American Society of Plastic Surgeons recommends asking the following questions during this evaluation phase: Are you certified by the American Board of Plastic Surgery? Do you have hospital privileges to perform this surgery? If so, at which hospitals? How many procedures of this type

have you performed? Where and how will you perform my surgery? Is the surgical facility accredited or in the process of being accredited by a national or state-recognized accrediting organization? What are the risks involved with my procedure? How long of a recovery period can I expect, and what kind of help will I need during my recovery? Will I need to take time off work? If so, how long? How much will my procedure cost? Are financing options available? After the interviewing process, weigh all the factors together and make an informed, confident decision. Eliminate anyone who isn’t board certified or who doesn’t have sufficient experience. If all of the surgeons you’ve interviewed are board certified and have supplied you with patient referrals and have a similar amount of experience, then follow your gut and go with the one who you feel the most comfortable with. You’ve done your homework, you’ve evaluated the essential criteria, and now you can feel good about your choice.

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How to Choose a Chiropractor BY TRACY JOHNSON Today, Chiropractors are moving up in the world as a practitioner that can heal your body from so much more than the everyday aches and pains and the occasional back injury. The spinal cord in the body is being linked to pretty much your overall health and fitness. For example, if you are having a problem with depression, a pinched nerve can cause it. Same for sinusitis, fatigue, migraines, and so many more symptoms that most doctors just prescribe drugs for. Chiropractic medicine is being looked at more and more for help with common ailments. This is starting to take trend due to the unnecessary drugs most doctors prescribe which may help the symptoms, but do not take care of the underlying problem. In research, it is found that your spinal cord is the traffic point for all your nerves. If one of them becomes pinched, or blocked, then you will begin to experience different types of ailments. So how does one go about finding the right Chiropractor for them? Well here are a few tips to help

you when shopping around for one. First, when choosing a chiropractor, consider what you are looking for. Some chiropractors only treat most aches, pains, and serious injuries, while others are interested in constant care with rou-

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tine adjustments and assessments. If you have a chiropractor that only sees you when you are in pain, and you are looking for more of a permanent solution, not just a relief from symptoms, then try looking towards a holistic chiropractor. These chiropractors will give you a complete work up, from doing a spinal reading, to x-rays, to a full medical questionnaire and history. During these visits, the chiropractor will first meet with you to see where your trouble areas are and begin to address these areas. He/she will also begin to formulate a routine treatment plan to help readjust any spinal shifts and realign your neck as well to keep the nerves from pinching and ending in medical symptoms. Now that you know what type of chiropractor you are looking for, begin asking around (ask friends, neighbors, co workers, and family members) if they recommend any one that fits in your requirements. However, remember, just because your mom may love her chiropractor, it doesn’t mean that he/she will be a good fit for you. After receiving your recommendations, call the office and ask some questions on their policies and areas pertaining to the type of care you would like to receive. First impressions are always the most important, so if you do not feel like they will best complete your needs, then keep shopping around. Another thing to remember, is that most chiropractors accept insurance, so make sure yours will be compatible with them prior to setting your appointment. Some chiropractors offer free consultations and x-rays when starting up as a new patient. Use this time to ask more questions of your chiropractor and describe to him/her what you hope to receive from their care. A lot of chiropractors will be upfront and let you know if they can provide the type of care you are looking for and will even refer you to another if they cannot. Make sure to check on licenses and school credits prior to allowing the chiropractor to begin any adjustments on you. A good rule of thumb is to make sure they have been in their own practice for at least two years prior to becoming their patient. You don’t want to go see an intern that just graduated from his/her schooling and is looking for fresh meat to begin practicing on. A good chiropractor, as any other doctor will listen to you and work to meet your health goals and treatment needs. During your first visit, your chiropractor

Things to Keep in Mind When Choosing a Chiropractor Friends, family, and coworkers may be able to provide a starting point by referring you to a chiropractor they are familiar with. Chiropractors are licensed by the state, and should have completed six to seven years of college and post-graduate schooling from an accredited university. Chiropractic treatment can help with a wide variety of ailments, but a good doctor will make referrals when needed. Choosing a chiropractor is ultimately a personal decision, and you should chose a doctor you feel personally comfortable with. Copyright © 2005 Publishers-Edge

will ask you questions about your family history, diet, occupation, and prior treatment. The chiropractor will perform a physical exam. He will conduct a spinal examination to check for any structural abnormalities that may be causing problems. In some cases, you will be recommended for lab tests and X-rays. If after all of your careful shopping around, asking for referrals, and interviewing your prospective chiropractor, if you are not happy with the treatment you are receiving, you are always free to ask for a second opinion or find a new chiropractor to treat you.

Copyright © 2007 Publishers-Edge

Jan. 19 - Feb. 1, 2009


Aspen Mobile Wellness is a mobile healthcare company developed by Dr. Susan Allison Sommers, B.A., R.M.A., D.C., Chiropractic Physician and Board Certified in Physical Therapy, Acupuncture and Aesthetic Skin Care. Aspen Mobile Wellness eliminates the obstacles that impair your body's ability to be well. We provide safe, natural methods for removing these obstacles, such as gentle chiropractic adjustments, acupuncture, weight management, nutritional medicine, physical therapy, permanent make-up and life coaching. Dr. Sommers is available with early morning and late evening appointments. ALL in the comfort of your home or office. Aspen Mobile Wellness is available to all people: men, women, children, teens, and seniors. We would welcome the opportunity to earn your trust and deliver you the best service in the industry. LET THE DOCTOR COME TO YOU! CALL NOW TO CONSULT AND SCHEDULE YOUR APPOINTMENT!

(305) 510-3285 â&#x20AC;˘ 1-800-PAIN-415 Locations: Serving the South Florida community: Key Largo, Homestead, Cutler Bay, Palmetto Bay, Pinecrest, Kendall, South Miami, Coral Gables, Brickell, Hialeah Most insurances accepted & auto accidents/personal injury. Credit crunch fees for cash patients. We accept major credit cards and pay pal.

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Jan. 19 - Feb. 1, 2009

Expand your horizon with a class at Alper JCC Linda K. Landy ALPER JCC NEWS The other day I stood in the parking lot of a small area strip mall and suddenly it struck me. Where we once saw a row of fashion stores stood a succession of shops that cater to what I believe is a growing national trend amongst us baby boomers. There’s the bead store, the quilt store, the knit shop, the scrapbook store, the stamping store, the candy making store, the aquarium store and more that my aging brain cannot remember right now. I have this theory. The baby boomers have more time on their hands these days. For the most part, our children have grown up. While they still need us to hand out money, gone are the days that we rushed to complete our exercise, grocery shopping and medical appointments in the morning so we could spend the rest of the day car-pooling to Hebrew school, orthodontist appointments, dance classes, sports activities and enrichment classes at the J. Our nights are no longer filled with the dreaded homework – teachers’ revenge for having to put up with our children all day. Everyone I know is heavily involved in a craft activity – or several of them. Many of my friends are knitting up a storm even though there are only a few days a year you need a sweater or blanket in South Florida. My dear friend honored my birthday with an amazing handmade card that puts Hallmark to shame. Family vacations are recorded for posterity with incredible scrap-

books. And you’ve probably noticed at recent holiday bazaars and art shows the explosion of beautiful jewelry handmade by local artists. As always, the Dave and Mary Alper Jewish Community Center is right on top of things, offering something for everyone with the hottest trends in adult enrichment. A wide variety of classes are offered in regular weekly classes or two- to three-hour workshops, many of which begin in January and February. All classes are open to members and non-members. In addition to the old favorites, here are the newest adult offerings for the next few months: Learning to draw is the fundamental basis for all types of artistic work. In the new Art of Drawing and Sketching, participants will learn to create drawings using various mediums, tools and materials. It is based on the process and techniques that professional artists apply instinctively, says teacher/artist Judith Acosta. This course requires no prior knowledge or experience. This creative, six week class is offered on Fridays from 10 a.m. to noon beginning Jan. 23. For beginners or anyone who wants to brush up on their skills, Mah Jongg 101 is a series of three classes that will familiarize you with the hardware, game rules, Mah Jongg card and fundamentals to get you fully started in your own game. Led by Mah Jongg maven Wendy Rudman, this class is a wonderful opportunity to meet new friends, bring your own group or pick up an additional player for your existing game. The course is offered on Wednesday evenings Friday morning. Register early because each session is limited to eight players. How about Israeli Folk Dance with award winning choreographers Mali and Moshe? This talented and accomplished duo has led Israeli Folk Dance

classes and workshops in Miami and throughout the world. Israeli Folk Dancing combines a connection to our culture, roots and homeland. You can share in the social aspect, the atmosphere on the dance floor, the group energy, the music, or just for physical exercise. This class is for all skill levels. Three different sessions will be offered on Mondays from 7 to 9 p.m. You owe it to yourself to get a copy of the program guide and explore the myriad of classes available. Sign up for a class today. You’ll be glad you did. Registration is already underway. For a copy of the program guide and registration information, call 305-271-9000, ext. 270. FOR THE LITTLE ONES Another growing trend in my circle of friends is grandchildren. While these little darlings are not on my horizon, more and more of my friends are becoming grandparents. I cannot tell a lie. There is a secret stash of baby treasures just waiting in my house despite the fact that my sons get very upset when I mention it. Here are some of the J’s great offerings for all you lucky grandparents out there to spend quality time with your little cuties. The Alper JCC Mommy and Me program led by Frankie and Stacey Steig (two of the most respected early childhood educators in the area and an amazing mother-in-law and daughterin-law team) has been chosen by South Florida Parenting Magazine as the best preschool activity for children for more than 10 years. Classes include Tiny Tots for toddlers18 months to two years on Thursday mornings, Tot Time for the two to three year old set on Thursday mornings and Alphabet Soup, a more advanced program for three- to four-

year-olds on Tuesday mornings. Each session is one-hour long with activities changing every 15 minutes (about the attention span of a tired young mother). If mom’s not available, many of the children come to the sessions with a favorite adult. The award-winning multicultural program facilitates exploration through music, cooking, science and art. Each class focuses on activities to sharpen fine and gross motor skills, make choices, meet challenges and build self-confidence. This is a great way to establish a positive early school experience with your child and a special time for a child and a favorite adult to learn and play together. With parents by their sides, children learn to feel comfortable exploring their world and making choices. Unlike similar classes at other institutions which have a routine (repeating the same activities each session), these classes offer unique themed events featuring art (always washable and nontoxic), music, science and a cooking experience. Each class focuses on activities to sharpen fine and gross motor skills, make choices, meet challenges and build self-confidence. But these classes are not just for the kids. In addition to helping Mom adjust to separation, it is a great time to meet other new mothers. A network develops and friendships are made as the class parents gather for birthday parties and excursions to the park. Moms share information – the latest program in town, news food, party ideas, and the all important potty training. Classes are scheduled in eight-week sessions. Registration is now open for the next one. For more information, call Frankie at 305-271-9000, ext. 297, or log on to <>.

VACATION MOUNTAIN RENTALS Whether it’s skiing, hiking, fishing or simply relaxing, you will find the perfect setting on this side of the Smoky Mountains! We also provide Honeymoon Packages, including Roses, Champagne and a Gift Certificate for Dinner at the Cherokee Grill, when you book online as well. Coming soon, you will be able to buy Dollywood tickets at the same time the property is booked so you and your family don’t have to wait in line at the park. Minutes from Downtown Gatlinburg, Smoky Mountains National Park, Pigeon Forge, Dollywood and other attractions! Cloud 333 features: • Mountain View • Pet Friendly • Wrap-a-Round Deck with Gazebo • Bar BQ • Board Games • Wood Fireplace • 3 Bedrooms/2 Baths • Sofa bed • Pool table • Large Covered Hot Tub • Multiple TVs • CD-Stereo / DVD & VCR • W/D • Coming soon... Internet Access! $75 - $125 per night. Get ready and book your vacation NOW... Book right online and check the realtime availability calendar which is always updated with each reservation. CLOUD 333





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Miami Jewish Film Festival at Cosford Cinema BY SHEILA STIEGLITZ The hilarious and heartwarming film “Beau Jest” opens the 12th annual Miami Jewish Film Festival (MJFF) starring stage-and-screen legend Lainie Kazan as the classic mother obsessed with finding “a nice Jewish boy” for her disinterested daughter. The nine-day film festival, presented by the Center for the Advancement of Jewish Education, runs from Jan. 24Feb. 1, with an award-winning lineup of national and international features, documentaries and shorts that depict themes of love, coming of age, and tightly bonded friendships mixed with subjects that explore alienation, racism and religious identity. On Sunday, Jan. 25, at the Cosford Cinema on the University of Miami campus, there are four outstanding screenings, including: Blessed is the Match: The Life and Death of Hannah Senesh is a film that has been short-listed for Best Documentary at the upcoming 2009 Academy Awards. Celebrated actress Joan Allen narrates the compelling story of Hungarian-born Hannah Senesh, the World War II-era poet and diarist who became a paratrooper, resistance fighter and modern-day Joan of Arc. In 1944, after having settled safely in Palestine, Senesh embarked on a special mission and re-entered Hungary as part of the only military rescue mission for Jews during the Holocaust. The film weaves ggorgeous images of parachutes floating gracefully in the air with Senesh’s words, written days before her capture by the Nazis: Blessed is the flame that burns in the secret fastness of the heart/Blessed is the heart with the strength to stop its beating for honor’s sake/ Blessed is the

match consumed in kindling flame. Hannah Senesh comes to life in this film through effective re-creations, interviews with kibbutz members and fellow parachutists, and the extraordinary letters she wrote to her mother. Saved By Deportation: An Unknown Odyssey of Polish Jews (USA & Poland; English, Polish, Russian, Uzbek, Yiddish, English subtitles) is a little known story of survival in the darkest of times. The film shows how Joseph Stalin’s deportation of 200,000 Polish Jews from Russian-occupied Eastern Poland to forced labor settlements in Siberia ironically saved most of their lives. These people made up the overwhelming majority of Polish Jews who escaped the Nazi Holocaust. Over 60 years later, Asher and Shyfra Scharf retrace their path from Poland to Siberia to Tajikistan and Uzbekistan in Central Asia. In these largely Muslim societies, the local communities, who remember the deportation of Polish refugees in the 1940s, welcome the Scharfs. Max Minnsky and Me is an award-winning film and a charming coming-ofage story that follows the emotional roller coaster of 12-year-old Nelly Sue Edelmeister as she deals with her parents’ marital problems, attempts to make the basketball team, and hopes for a royal romance with a real-life Prince. To her schoolmates, Nelly is a nerd. Things begin to change, when Nelly discovers that the winners of the girls’ basketball tournament get to play in the Prince’s championship game, and so she strikes a mutually beneficial deal with the ace basketball player Max Minsky – she’ll do his homework for him, if he coaches her to become a clutch basketball player. The German film (English subtitles) is based on the novel, Prince William, Maximillian

Minsky and Me, (winner of the German Award for Young Peoples Literature in 2003). Emotional Arithmetic (USA) is a new genre of Post-Holocaust films that focus not only about wrestling with ghosts of their past, but also on the impact the Holocaust has on present day relationships. In 1945, Jakob Bronski (Max von Sydow), a young dissident held at the Drancy internment camp, takes two children, Melanie and Christopher, under his charge. Forty years later, Melanie (Susan Sarandon) is grown up and she and husband David (Christopher Plummer) have a family of their own. Melanie discovers that Jakob, is still alive and is now elderly, and immediately invites him to come live with her family. Jakob arrives with Christopher (Gabriel Byrne) as a surprise for Melanie, and she and Christopher must face the truth of the bond between them. The past explodes into the present (the mid-1980s) in an unexpected and tender love story, which is life altering for everyone.

New this year, are two evenings of shorts — films with a running time of less than 60 minutes. Shorts on the Beach are narrative fictional pieces and Real Shorts are documentaries. The stories range from Song of David, about a soul-searching Hasidic teen who becomes obsessed with contemporary rap music and is conflicted with the clash of two worlds, to the Canadian short, Baghdad Twist, which deals with Jewish identity and traces an observant family living in Iraq and escaping to a more secular environment in North America. Baghdad Twist was screened at the Tribeca Film Festival. In addition to films at the Cosford, there are matinee and evening screenings at the Regal South Beach and the Sunrise Cinema at Intracoastal Mall. Tickets are $11 general admission; $8 seniors /students; $7 Film Society members. A $95 Fast Pass provides entry to all films. For complete movie listings and educational forums log on to <>. For tickets, call 1-888-585-3456.

305-595-2127 e-mail: • 9875 Sunset Drive • Miami, Florida 33173 The National Flood Insurance Program is administered by the Federal Emergency Management Agency.

10521 Kendall Drive, Suite E101 • Miami, FL 33176 •

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Jan. 19 - Feb. 1, 2009

EXPIRES 1/31/09

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EXPIRES 1/31/09

Jan. 19 - Feb. 1, 2009


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Has been a local landmark restaurant in south Miami-Dade for over 20 years.

Sunset Dinner Menu Entrées come with choice of soup of the day or Caesar salad. All dinners include coffee, hot tea and choice of Chocolate Mousse Cake or Tiramisu.

Chicken Marsala $19.95

Tilapia Monaco $19.95

Chicken Raspberrie $19.95

Tilapia filet poached in white wine served over spinach, topped with béarnaise sauce and parmesan gratin.

A skinless breast of chicken marinated in raspberry vinegar, baked in a raspberry sauce, delicious!

Tilapia Francais $19.95

Coconut Crusted Chicken $19.95

Veal Tivoli $19.95

coconut crusted boneless breast of chicken with pineapple-mango salsa

a veal cutlet smothered in a cream champagne cream sauce with fresh mushrooms

Danish Stuffed Chicken $19.95

Veal Marsala $19.95

apples, prunes,seasoned bread crumbs and brandy demi-glaze sauce

with sautéed mushrooms in Marsala wine sauce

Beef Stroganoff on Fettuccine $19.95 Honey Ginger Salmon $19.95

tender pieces of beef mixed with fresh mushrooms in a stroganoff sauce

Grilled Salmon $19.95 served over spinach with béarnaise sauce

Steak Tidbits $19.95

Tilapia Almondine $19.95

Tender pieces of tenderloin satueed with onion, garlic and peppers in a burgundy wine sauce.

NEW Sunset Dinner Menu is Tuesday through Friday 5:30pm to 6:30pm Complete Dinners including coffee and dessert from $19.95. Join Fleming’s Email list for private specials throughout the month of December.

To join go to Or just ask your server.

Take out available: Catering / Corporate Events / Private Dining Rooms (up to 75 people) / Private Luncheon Parties Available.

Fleming A Taste of Denmark • 8511 SW 136th street Pinecrest 305-232-6444

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COLORS Earl Mark Kaplan Architectural Paint Color Consulting Interior • Exterior • Residential • Commercial Fla. Reg. Architect AR-9807 Over 25 years experience

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Call 305-546-7368 • or visit • 8761 SW 133 Street 33176 - Email: •

All our Cabinets are made in the USA in our state of the art 84,000 sq.ft. manufacturing facility in Doral.


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50 standard colors to choose from, not to mention custom colors and glazes that we make upon request. Hundreds of door styles to choose from. Hundreds of decorative options available like island legs, corbels, onlays and appliques.

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and promotion or other goods and services? Please contact: Robin Korth, Miami’s C o m m u n i t y Newspapers. 305-6697355, ext. 275. email:

Small ofc/ shrm ofc/ whse for rent 250sf to 1500sf $400 p/ m & up 1 yr contracts 305 665 0002

BUSINESSES & PROFESSIONALS!!! Do you have goods or services you’d like to trade for advertising




Interior Ceilings & Walls. Water Damage Repair. Match Any Finish. 30 Yrs. Exp. Best Quality. Tom Fitzgerald 305-2383956 CRC-057464

EMPLOYMENT OPPORTUNITY $7.50 $10.00 hourly. Princeton Preschool & Child Care Center has openings for part time and full time instructors. Education requirement: • High school graduation or its equivalency • Child Care Development 40 hrs • Experience in working in child care. Contact Marilyn Troup 305666-5575.


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Jan. 19 - Feb. 1, 2009

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LOOKING FOR PART-TIME WORK? The Pinecrest Tribune is looking for an energetic, happy person who would like to make some extra spending money every week. So, if your looking for something to do, in-between taking the kids to school or right before you T-off on the golf course, then the part-time position in our advertising sales department just might be right for you. The opportunity entails you calling neighborhood retail stores, real estate agencies, car dealers and restaurants and helps them promote their businesses through advertising in the Pinecrest Tirbune, Kendall Gazette, South

2006 Ford Focus ZX4 6k mi, $6500, Gold, Ref#: 5692381, Phone: 786-623-7896

1964 Ford Galaxy Fastback 120k mi, $7000, Green/White, Ref#: 5434831, Phone: 305-756-5470

2000 Dodge Dakota 43k mi, $6500, Blue, Ref#: 5991154, Phone: 305-279-2357

2008 Cadillac CTS V6 DI Sedan 12k mi, $33000, Black Raven, Ref#: 5732464, Phone: 561-714-5632

1971 Chevrolet Townman 110k mi, $1500, Yellow, Ref#: 5696104, Phone: 786-223-6925

1965 Dodge Polara 73k mi, $10000, Blue, Ref#: 5557899, Phone: 305-931-0383

Miami News, Palmetto Bay News & Coral Gables New-Tribune, If you have 15-20 hours a week available and you want to earn $300500.00 per week on a part time basis, then give Michael Miller a call at 305-669-7030 or email at CLASSIFIED AD ONE-CLICK COMBO Visit or call 305.669.7355 & find out how save when you

M A R K E T I N G RESEARCH ANALYST 2 yrs exp. Mail res: Edian Jewelry LLC 5390 West 16 Ave. Hialeah, FL 33012 PART TIME INCOME OPPORTUNITY $2000 to $5000 part

2004 Ford Mustang 69k mi, $10001, Black, Ref#: 5365927, Phone: 754-244-5329

1999 Ford Explorer 55k mi, $4850, Metalic Light Green, Ref#: 5995197, Phone: 954-537-5550

2000 Jaguar XK8 58k mi, $18900, Rare Light Green, Ref#: 6055008, Phone: 305-292-3342

2004 Jaguar X - TYPE 3.0 42k mi, $12900, Metallic Gray, Ref#: 5395158, Phone: 954-701-7392

2002 BMW 325CI 60k mi, $14900, White, Ref#: 5785718, Phone: 305-321-0242

1970 Volkswagen Beetle 2k mi, $5500, Yellow, Ref#: 5667803, Phone: 305-275-4661

2003 Jeep Liberty Renegade 78k mi, $8500, Black, Ref#: 6021022, Phone: 305-788-7602

1973 Mercedes-Benz 280 SEL 4.5 150k mi, $11000, Beige, Ref#: 5434820, Phone: 305-756-5470

2007 Honda Accord LX 15k mi, $15100, White, Ref#: 5804122, Phone: 954-756-2668

2004 Chevrolet Corvette 51k mi, $26500, Silver, Ref#: 5791675, Phone: 305-773-6868

2006 Honda Accord LX 39k mi, $13500, Grey, Ref#: 5803900, Phone: 954-444-5256

1995 Chevrolet Silverado 5k mi, $4900, Red, Ref#: 5765352, Phone: 954-654-0353

Find them online. Log on to:

2005 Nissan Murano SL 31k mi, $15700, Midnight Blue, Ref#: 5344022, Phone: 305-206-4288 01/13/2009

1967 Volkswagen Beetle 86k mi, $3800, 3UNmOWER9ELLOW  Ref#: 5622879, Phone: 786-214-1223

2002 Toyota 4Runner SR5 - Reduced 105k mi, $7999, Gold, Ref#: 5473796, Phone: 305-490-3615

1969 Pontiac Lemans 35k mi, $20000, Black Lacquer, Ref#: 4400550, Phone: 305-242-5870

2006 Toyota Highlander/Limited 23k mi, $14500, White, Ref#: 5810266, Phone: 954-553-1440

2005 Lexus LS 430 38k mi, $18000, Silver, Ref#: 5780961, Phone: 954-783-3848

2004 BMW 525I 69k mi, $19995, Alpine White, Ref#: 5774147, Phone: 954-344-3565

1992 Chevrolet Corvette 66k mi, $13950, White, Ref#: 4880715, Phone: 305-256-0934

1990 Jaguar XJS Classic Collection 69k mi, $12000, White, Ref#: 5800693, Phone: 305-604-1995

ROOMMATES LOOKING FOR ROOMMATE 2/2 Falls area. Great location! $600. Call 786-3383046

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1971 Mercedes-Benz 220D 94k mi, $1500, Blue, Ref#: 4400634, Phone: 305-242-5870

Want More Details?


Want More Details?

2002 Mercedes-Benz CL500 71k mi, $21000, Gold, Ref#: 6048761, Phone: 305-778-5111

2007 Lincoln Town Car Signature 35k mi, $23000, White, Ref#: 5664440, Phone: 305-322-0033

time serious inquriers only. 888-271-9912

1987 Dodge Dakota 342k mi, $850, Black, Ref#: 4551909, Phone: 305-893-7243

2002 Ford Windstar SE 90k mi, $3200, Gold, Ref#: 6034439, Phone: 305-968-1192 2000 Ford Windstar LX 91k mi, $800, Forest Green, Ref#: 5747356, Phone: 954-430-5695

2002 Lexus SC 430 19k mi, $24900, Silver, Ref#: 5780958, Phone: 954-234-3644

Jan. 19 - Feb. 1, 2009


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Jan. 19 - Feb. 1, 2009


305 470-0101 Mutual General Insurance Group

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Jan. 19 - Feb. 1, 2009






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Rey Ortega • 305-254-1617 • Cell: 786-712-3008 •







( 3 0 5 ) 6 6 1 - 9 2 0 0

• Small Groups • Individual and customized lessons • Students art shows • Corporate art workshops • Special art events value package

8831 SW 129th St. - Miami, FL - 305.801.6188


R. KENNETH BLUH, VICE PRESIDENT 305-442-1256, EXT. 3033 or visit my website at

Capital International Financial, Inc. “Your Miami Hometown Lender since 1981” 395 Alhambra Circle • Coral Gables • FL 33134

FHA Approved Lender

Equal Opportunity Lender



GT430 8/30/06-PC RPKG


Page 68





Jan. 19 - Feb. 1, 2009


( 3 0 5 ) 6 6 1 - 9 2 0 0

Best Prices and Service HJ0109

January 5 – February 14

Handbuilding, Wheel, Sculpture, Mosaic, Raku and Kid’s classes day, night and weekends to fit your schedule.

Fresh & Salt Water Services, Corals, Exotic Fish, Custom Built Aquariums, Products, Ponds, and much more!



Ceramic League Semester

Fee: $100-140 for six week session Birthday Parties and Gift Certificates Available

Call 24 hours a day, 7 days a week

(305) 233-2404

305-726-3882 or

8873 SW 129 Street


contact: Jill Gerlach

QuickBooks RB1208

Learn OnLine from home or office with a Certified QuickBooks Pro Advisor. Class Starting Soon! Go to Click on Online Workshops

th Per Mo.Cn. W.A



Mike Crosa,


Certified QuickBooks Professional Advisor



2007 Hyundai ACCENT GLS

Sale Price: $8,980


Quick Search Reference #



Licensed & Insured


Ask About Monthly Services

10715 S.W. 190th St. Miami, FL 33157


VIDAL MARTINEZ Your HANDYMAN For Property Ph: 305-255-1133 Cell: 305-490-0038











Page 69


( 3 0 5 ) 6 6 1 - 9 2 0 0 LUCY ZELMAN’S

Business Owners & Professionals!

20% OFF Jewelry & “Juiy Couture” 75% OFF Rooms • 20% OFF Sterling 15% OFF Roseville Accepting Consignments Daily


The Largest Antique Mall in Miami-Dade County

at Bet Shira

Do you have goods or services you’d like to TRADE for advertising and promotion or other goods & services? Please contact: Robin Korth, Account Executive Miami’s Community Newspapers 305-669-7355, ext. 275 or 305-528-2200

New Attitude, New Habits, Better Grades!

7500 SW 120 Street Miami, FL 33156 We Offer: • Individual Subject Tutoring elementary through college • Organization / Study Skills • Homework Coaching • Standard Test Preparation including: FCAT, Private School Entrance Exams, SAT and ACT 0430RK


Learning Center

Call us to talk about creating an innovative opportunity for your child to flourish. Bet Shira Main Off. Fax:

(305) 378-8582 (305) 233-3777 (305) 233-3777


Jan. 19 - Feb. 1, 2009


• Alternative to Dry Cleaning • Pick Up & Delivery • Servicing All Areas

305-670-8622 • 9300 South Dixie Hwy, Pinecrest 305-668-8200 • 1575 Sunset Drive, Coral Gables





• All Hand Finished • No Chemicals Used • Eco Friendly • Bed Linens & Table Cloths

RB721 AD0527




12101 S. DIXIE HWY. 305-254-1575


Page 70





24 Hour Emergency Service


Residential | Commericial | Industrial Over 20 years experience

All Plumbers Are Not the Same!

Repairs | Rewiring | Additions

We take pride in our customer service. From the time you call, until our Technician leaves your home, you will be treated fairly & with respect by our courteous & knowledgable staff. TRY OUR SERVICES AND OUR 100% SATISFACTION GUARANTEE. YOU CAN’T LOSE!

Fuses to Circuit Breakers


Panel & Service Upgrades

electric, inc.

Security & Lanscaping Lighting Generators & Tranfer Switches Infrared Scanning

15715 S. Dixie Hwy. Suite 223 Palmetto Bay, FL 33157

Parking Lot Lightning

“We Do It All”

Free Estimates

With $15.00 OFF 0614SC


s u q

Hablamos Español | State Lic. & Bonded EC13002633




Over 17 Years of Reliable, Dependable Service! Shower, Bathroom, Kitchen Repairs & Replacements Clogged Drain Cleaning

$25 OFF First Service Call

Save on water heating bills & never run out of hot water. Authorized dealer & installer of “tankless” hot water systems.


Licensed & Insured CFC053321

24-hr Service! All work guaranteed! Gas Contractor

Broward Line 954-492-5333


Ewing’s Plumbing, Inc. 305-235-1028


Over 20 Years Experience Professional Painter & Wallpaper Hanger. Vertical blinds, sales & installation. Wood & laminate floors. Baseboards & Crown moldings.

Free Estimates

House Painting, Roof Cleaning & Painting, etc Pressure Cleaning Roofing Repairs

CC# 96BS00340


305-248-8180 305-274-8180

People Forget How Fast You Did a Job But, They Remember How Well You Did It • Must Be Licensed & Insured






(with this ad)


786 | 242 | 3050 ESTABLISHED 1991

( 3 0 5 ) 6 6 1 - 9 2 0 0

GT819 GT1027


Call Us Now and Save!

305-386-5090 Licensed & Insured CCI6658 • Hablamos Español



What can we do for you? Poller & Jordan Advertising provides a full range of communication services to clients. We believe that each client faces a unique set of opportunities in the market, and requires a unique strategy to take advantage of those opportunities.

Whether it’s skiing, hiking, fishing or simply relaxing, you will find the perfect setting on this side of the Smoky Mountains! We also provide Honeymoon Packages, including Roses, Champagne and a Gift Certificate for Dinner at the Cherokee Grill, when you book online as well. Coming soon, you will be able to buy Dollywood tickets at the same time the property is booked so you and your family don’t have to wait in line at the park. Minutes from Downtown Gatlinburg, Smoky Mountains National Park, Pigeon Forge, Dollywood and other attractions! Cloud 333 features: • Mountain View • Pet Friendly • Wrap-a-Round Deck with Gazebo • Bar BQ • Board Games • Wood Fireplace • 3 Bedrooms/2 Baths • Sofa bed • Pool table • Large Covered Hot Tub • Multiple TVs • CD-Stereo / DVD & VCR • W/D • Coming soon... Internet Access! $75 - $125 per night. Get ready and book your vacation NOW... Book right online and check the realtime availability calendar which is always updated with each reservation. CLOUD 333

Print Advertising • Radio • Television • Direct Marketing • Design • Ad Layout Google Keyword Advertising • Search Engine Marketing • Copywriting • Production Media Relations • Trade Show Exhibits • Brochures • Publications • Web Design • Research

ay Call tod EE for a FR ! Estimate



Jan. 19 - Feb. 1, 2009

Since 1971

<> or <>

Contact Mike or Bob Poller at (305) 992-0702 or (305) 470-8005

or call 1-941-704-3699

CHAPMAN SEPTIC SERVICE , Inc. M A I D B R I G A D E “We’re Thankful for Your Tankful!”


Every cleaning inspected and guaranteed. Uniformed, bonded and insured.

Call Today!

For Information:

(305) 430-M AID ( 6 2 4 3 ) $ 15 . 00 OFF


(954) 921-2332

Yo u r F i r s t & S e c o n d R e g u l a r Cleaning with Mention of this ad!!

661-0628 DS0609 All- Papers

Reliable and Secure

Drainfields Installed & Repaired Septic Tank Inspections Pump-Out (residential & commercial) Grease Traps - Maintenance Contracts High Pressure Water Jetting

Master Septic Tank Contractor LIC. # SM0941167



00 20 Off ANY PUMP-OUT With Coupon Only • Not Valid w/Any Other Offer SAVE UNTIL NEEDED

1231TJ 5/15/06-RPKG

• • • • •

Cleaning homes like yours since 1979.

• Septic tanks require maintenance • If neglected, the system will eventually fail causing • They should be pumped every 2 to 3 years. costly drainfield replacement and damage to landscaping.

“Family Owned and Operated” - Since 1949 -

Jan. 19 - Feb. 1, 2009



Commercial & Residential CC# 18924


I M P R O V E M E N T Robert Jude Owner on the job


Page 71


( 3 0 5 ) 6 6 1 - 9 2 0 0

Selective Cut, Inc. Complete Tree, Landscaping, Lawn Service and Construction Service Company


Mr.. Marble






Air Conditioning • Since 1974 Replace your old, inefficient unit with a new effcient unit... up to 18 seer



28600 SW 132ND AVE., #11 HOMESTEAD, FL 33033 305.245.6260 • CELL: 305.762.2675 EMAIL: STEVELAPP@COMCAST.NET


305-382-1599 Certified Contractor CAC058181


Commercial & Residential 1027DKM


q t


FREE ESTIMATE Licensed & Insured


Clean Air Ducts Promotes Good Health

Marble Crystalization & Polishing Travertine & Mexican Tiles Bathrooms & Table Top Cleaning Mr. Marcello Cell.:(305) 608-4953 Tel.:(305) 694-1259



Prompt & Courteous Since 1982


Free Estamate on system replacement only






Licensed & Insured • Residential & Commercial Specialist

Certified Arborist on Staff • General Contractor on Staff • Licensed & Insured

Got mold, Allergies... We have the Solution!


• Selective Pruning •

• Stump Grinding • Trimming •


Get your A.C. Kit and survive the Hurricane Season.


Accept All Major Creit Cards

Backhoe & Bobcat Services • Concrete Finishing

Tune Up Special with ad $59.99

Our product line includes conventional roofing & roof coating products which can lower your cooling cost an average of 20% all the while extending the lifespan of your roof.

i a


Sprinkler Repair • Custom Water Features


We are a high end commercial and residential roofing company that offers a full line of reflective & elastomeric roof coatings especially formulated to withstand South Florida’s climate.



Save on cooling costs while extending the life span of your roof.



7005 S.W. 76th Street Miami, Florida 33143

Up to 10 Vents 1 Main/1 Return with this flyer CALL FOR APPOINTMENT

Landscaping & Design • Concrete • Pavers

Custom Concrete Driveways

SERVING: Coral Gables - Pinecrest - Kendall - So. Miami Since 1985 . .




TOLL FREE 1-800-493-1480 • 305-924-6159


Free service call with purchase.

New R-410A

Up to $1930.00 FPL Rebate


BOB O’CONNELL Repair Rotten Wood and Carpentry Service




Serving South Dade Since 1986



“Call Us”We’d like to get to “MOW” you!

Tree Trimming • Full Lawn Maintenance


SUNSHINE PAINTING & R ESTORATION CO. INC. Coating & Waterproofing Specialist

One call does it all!

Page 72


Jan. 19 - Feb. 1, 2009

New Construction Builder’s 1/2 Acre - 6 BD - 6.5 BA Pool $2,575,575

730 Calatrava Avenue SOLD $3,500,000

6140 Paradise Point Drive SOLD $925,000

6270 SW 123rd Terrace SOLD $2,750,000

11800 SW 70th Avenue SOLD $1,975,000

3594 Rockerman Rd #1 SOLD $2,700,000

9781 SW 60th Court SOLD $3,150,000

Brand New & Ready To Go! Builder’s Acre - 8 BD - 7.5 BA Pool + Guest House $2,225,000 $1,995,000

New Construction Builder’s Acre - 6 BD - 5.5 BA Pool $2,000,000 $1,850,000

6255 SW 120th Street SOLD $1,510,000 10940 SW 139th Road SOLD $775,000 9401 SW 134th Street SOLD $720,000

New Construction Builder’s 1/2 Acre - 6 BD - 5.5 BA Pool $1,395,000

305-588-5469 786-344-5861 1500 San Remo Ave., Suite 110 • Coral Gables, FL 33146

Pinecrest Tribune, January 19, 2009 Edition - Local, Events, Positive News - Miami  

Local news, multimedia, reviews &amp; opinion on Greater Miami, business, sports, movies, columns, events, community, education, real estate