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Lending money to family is a really bad idea


Some ideas are just plain bad, and you usually know a bad idea when you hear it. One of my favorites, which is getting some media buzz lately, is this notion of feasting on sushi at your local filling station. Another famous bad idea – a land war in China – was offered by the character Vizzini in the movie The Princess Bride. Of course, we can always count on our U.S. government to contribute its fair share of bad ideas. How about the $3 million spent to assess how sick shrimp perform on a treadmill, or the $2.5 million spent on a U.S. Census commercial that appeared during the Super Bowl. These bad ideas may cause us to shake our heads, but we can choose to ignore them. One bad idea, however, is commonly presented to many people over age 55 at one time or another and it often cannot be ignored. The question may be popped during a nervous phone call, or at dinner. When asked this question, you might experience cold shivers down your spine. “Hey, Uncle Mike, it’s your favorite nephew, Rick. Could you lend me $20 grand? I’ll pay you back.” Every fiber of your being is screaming, “NO.....!” And you would be right! Lending money to family members is a really bad idea. The first reaction is usually, “Why me?” That’s easy. Family members think you have money…to burn…or at least lend. Of course, we all want to be “good people,” generous to a fault and take care of our family. But be forewarned: lending money to family is, more often than not, a sure-fire way to wreck more than just one relationship within what may once have been a copacetic family unit. What if nephew Rick cannot, or will not pay you back? He’s going to dodge you like crazy and if he’s in your bloodline, your husband/wife is not going to be too happy either. Other family members can be drawn into a fray that is simply not going to have a happy ending.

Also, consider this: you are probably being asked because you are the “bank of last resort.” If Nephew Rick was creditworthy, he would have gone to a bank or drawn on a credit card. That, in and of itself, should tell you a lot. Nephew Rick has run out of options and ideas and you’re “it.” OK, so you want to help him, even though I tried to dissuade you. If you’re going to play “banker,” be a real banker and GET IT IN WRITING! This includes specific amounts, terms and an AGREEMENT. Understand the tough reality going into this deal – to get paid back, you might have to sue Nephew Rick. An agreement should include: 1. The amount written in numerals and words, just like a check. 2. A specific date the loan will be paid back. 3. The interest rate. You must have interest or the IRS may deem it a “gift” and you may have to pay a “gift tax.” 4. Detailed payment plan. Is it amortized, or a balloon, or interest only? 5. Penalties for not meeting the terms. If Nephew Rick doesn’t pay you back, you may be able to write off the loan as a bad debt, but you might have to show all efforts made to collect. If you are not prepared to sue your nephew, you may not be able to take that deduction. Let me tell you this, from experience. If Rick is offended by having to sign the agreement, he probably does not intend on paying you back anyway. Then, you might as well make it a gift and skip the grief. I suggest saving this article and keeping it somewhere safe. Then, when Nephew Rick asks for a loan, have him read this column. Your concerns might sink in better coming from me, and it will show that you mean business. Michael Hickey writes on matters of finance, consolidating and sharing sound advice from some of the best minds in the business. Michael is a freelance writer/contributor from Texas that has lived in SE Florida for 20 years. He may be reached at

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Gloria and Herb Barker master the art of ‘giving back’ BY BARI AUERBACH

When Herb Barker and his wife of over 64 years, Gloria, aren’t at their famed Barker Animation Art Gallery in Hallandale Beach sharing their unbridled enthusiasm for art appreciation with the community, they’re busy channeling an unwavering commitment to philanthropy into a masterpiece legacy exemplifying the fine art of ‘giving back’. One of Gloria Barker’s favorite sayings is, ìI want to continue living, so I can continue giving!î Putting those heartfelt words into charitable and humanitarian actions, the Barkers have donated over $1.6 million in countless pieces of artwork over the years to worthy causes and organizations. Recipients of the Barkers’ major donations include JAFCO, Jewish Adoptive Foster Care Option, Aventura Hospital and Medical Center, Joe DiMaggio Children’s Hospital, and Miami Children’s Hospital. They have also donated over $50,000 of artwork to the Hollywood Boys and Girls Club. Their charitable contributions also include supporting SOIL, Sustainable Organic Integrated Livelihoods, a non-profit in Haiti dedicated to protecting soil resources and transforming wastes into resources. SOIL is part of the Medishare Program from the University of Miami. In 1997, Herb received the honorary degree ‘Doctor of Humane Letters’ from Briarwood College in Southington, CT, in recognition of his years of community service to New England cities and the State of Connecticut. In 1990, he was nominated ‘Boss of the Year’ for the State of CT by the CT Jaycees, and in 2007, he was chosen as one of four men to make up the inaugural class of the CT Business Hall of Fame. Painting a poignant portrait of patriotism, the Barkers par-

ticipated in an event commemorating the tenth anniversary of 9/11 at Aventura Turnberry Jewish Center, where they helped recognize local law enforcement and fire rescue personnel by presenting a framed Statue of Liberty serigraph signed by renowned artist Melanie Taylor Kent – commissioned for the 1986 Centennial of the Statue of Liberty. Just recently, the Barkers participated with the Aventura Marketing Council in the ìArt from the Heartî event, donating framed animation artwork to 63 AMC-member non-profits, charities and schools. Demonstrating more star-power generosity, the Barkers have presented young singers participating in the Young Stars Showcase with artwork, trophies and gift certificates. They also work closely with the Embrace Girls Foundation; are Grand Benefactors of the Broward Performing Arts Foundation; and members of the Florida Grand Opera, The Opera Guild of Fort Lauderdale 21st Century Fund, the Broward Hundred Club and Angels of the Aventura Arts and Cultural Center. Summing up the philosophy on life he shares with his soul mate Gloria, Barker says “My hope in giving is that we make the world a little bit better with the art we love so much.” Founder of the largest animation and entertainment art gallery in the world in Cheshire, Connecticut, Herbert Baker was chosen by Animation Art Magazine as ìOne of the top ten most influential people in animation in America.î Beyond Barker Animation Art Gallery at Gulfstream Park, the Barkers also own and operate a Fine Art & Sculpture Division; Barker

Herb and Gloria Barker

Specialty for promotional products and premium merchandise; The Barker Character, Comic and Cartoon Museum in Connecticut, exhibiting over 80,000 items; Comic Strip Art Publishers Co.; and Barker Publishing Co., the world's largest publisher of advertising and entertainment art.

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


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

A physical or mental limitation doesn’t have to create isolation; and falls or other serious accidents can be avoided when SensiCARE of South Florida is there for crisis intervention and prevention. Beyond caring assistance and companionship, clients feel secure knowing the SensiCARE of South Florida mission is based on maintaining the highest ethical standards of integrity and professionalism. All personnel, nurses and caregivers undergo level-2 nationwide background screenings, encompassing state and national fingerprint history checks. SensiCARE of South Florida is also routinely recommended by physicians, case managers, family and friends. In keeping with the compassionate company motto, “It Makes Sense to Care,” whether it’s early morning and a healthy breakfast needs to be prepared before getting to a doctor appointment on time…it’s getting late at night and one more dose of medicine needs to be taken before bedtime… or it’s a holiday and you thought no one would be available, SensiCARE of South Florida is always there, 24 hours a day, seven days a week. For more information about arranging a consultation and types of long-term care insurance accepted, phone: 305-947-9611 in Dade, or 954-7049492 in Broward.

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Former Bank Lawyer Fights for Miami Homeowners By Ann Lino Should I pay the mortgage on my home? What about the taxes and condo fees? What’s the worst that can happen if I don’t pay? What’s the best I can hope for? There are so many people offering advice. Realtors will tell you to sell. Bankruptcy attorneys will tell you to go bankrupt. Loan modification services will tell you to ask nicely for a loan modification. One attorney who spent years representing banks in foreclosures, Bruce Jacobs, will tell you to negotiate from strength. Bruce is not only a former bank lawyer, he’s also a foreclosure defense client. “I didn’t want to go bankrupt or spend the rest of my life paying for this mortgage mess,” said Bruce. “I had five mortgages on 2 properties underwater by almost $500,000.00. I stopped paying and put up a fight. Now, I have one property with one mortgage.” There are plenty of reasons to fight. Banks got bailed out $7.7 Trillion in almost interest free loans from our taxpayer dollars. They still pay out billions in bonuses to Wall Street executives while Main Street is left to fight for themselves. The loan modification programs are disasters, making homeowners run in circles before getting denied or offered a deal that only helps the Bank make more money. Bruce is part of a national group of dedicated lawyers fighting back against banks. They train at seminars around the country and online to share resources and develop cutting edge strategies in foreclosure defense. Many of the attorneys are former bank lawyers who, like Bruce, are passionate about fighting for meaningful help for their clients. Bruce has lectured in real estate offices and at continuing legal education seminars for other attorneys so more homeowners have access to better advice. “The goal is either a meaningful loan modification with a principal balance reduction, a release from the debt, or to fight to clear the mortgage off the property,” said Bruce about most of his clients. “There are reasons banks filed “robo-signed” fraudulent documents in foreclosures all over the country. Many have serious paperwork problems which makes proving the right to foreclose in a courtroom difficult.”

For a free consultation call (800) BANK-LIE (226-5543) or watch our free webinar: “Strategies for an Underwater Mortgage” at Remember what Jacobs says, “Not paying your mortgage is not a strategic default unless you have a strategy.”

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Help Yourself to Heart Health Billy Joel: The ‘Pay It Forward’ Aventura City Commissioner


MCCI Medical Group

According to the Heart Association, more than 80,000,000 Americans have some form of heart disease. Four culprits – smoking, diabetes, hypertension and high cholesterol – play a major role in contributing to heart disease by causing inflammation in the heart’s arteries. Prevention is Key If you smoke cigarettes, quit. You’ll also protect those around you from secondary smoke (what everyone else inhales when you smoke) and tertiary smoke (residue on clothing, utensils, toys, etc). Controlling blood sugar and insulin levels is key to supplying your body with the nutrients it needs. Diabetes can irritate the arteries and cause blockages, reducing the flow of blood, oxygen and nutrients to the heart muscle and, ultimately, the rest of your body. Likewise, cholesterol, triglyceride levels and blood pressure also affect your blood vessels. When controlled, the potential for blockages is reduced. Start by making these basic changes to your diet: • Limit salt • Avoid fried foods • Cut out sweets/crackers What about carbohydrates? There’s a difference in the types of sugars you eat– foods contain good (complex) and bad (simple) carbohydrates. Good carbohydrates are difficult for the body to break down, taking longer to elevate blood sugar. Bad carbohydrates break down easily, quickly elevating blood sugar. Some examples of good carbs are:


• Beans • Fruits • Vegetables • Whole grains • Wild or brown rice Avoid bad carbs, which include: • Sugar • Corn syrup • Fruit juice • Candy • Sweets (with white flour) What’s a heart-healthy diet? I recommend the following for a healthy heart: • Vegetables – unlimited each day. Prepared hot or cold and not breaded or fried. Limit sugary vegetables like corn, beans and other legumes. • 6 ounces of skinned chicken or fish a day. Limit red meat, veal, pork or lamb to 6 ounces 3 times a month. • Three servings of fruit a day. Limit certain fruits that contain more sugar. One banana is so sugary it equals two servings; 12-14 grapes equal one serving. • A small amount of fat-free milk and cheese each day. I also recommend walking and vitamin supplements, after consulting your doctor first. You’ll soon feel better, improve irregular blood and BP results and have good heart health.

Aventura City Commissioner Billy Joel and his wife Sandra were recently honored to receive the inaugural Aventura Marketing Council “Pay It Forward” award for their lifetime of dedication to helping others when talented young performers sang at the AT& T Young Stars Showcase presented by Northwestern Mutual/Laser Financial Group. “Singing the praises” of the Joels, community leaders can attest to their tireless efforts to support a worthy repertoire of charities and organizations supporting future leaders, helping those less fortunate, and heightening awareness about issues of global importance. Destined to fulfill the prophecy “most likely to succeed,” Billy Joel was one of seven distinguished graduates from Mepham High School in Bellmore, New York inducted into the Mepham “Who's Who Hall of Fame” recognizing and honoring alumni who have made significant accomplishments in their fields of work and community volunteer service. Complementing his successful career in the fields of transportation, distribution and banking, Joel’s ongoing commitment to giving back has always been especially noteworthy. Over the years, the Joels have been honored with numerous awards while working in concert with community leaders sharing their philanthropic philosophies. Billy Joel is a Mount Sinai Medical Center founder; Miami Jewish Health Systems at Douglas Gardens founder. He serves on the Board of Governors of Ben-Gurion University of the Negev; the Florida International University Vice Provost Executive Council; the Royal Notables for Alzheimer’s at Douglas Gardens; and supports the Jack Joel School for Special Children; Florida Friends of the Israel Sport Center for the Disabled; Aventura Turnberry Jewish Center; Aventura Chabad; American ORT; Anti-Defamation League; and Greater Miami Jewish Federation. The Joels also recently received the Israel65 Award bestowed by Israel Bonds. Since beginning his term as an Aventura

City Commissioner in 2005, Joel has continued to top charitable charts with pay it forward initiatives. He serves as a member of the Aventura Hospital and Medical Center’s Board of Trustees; and Commissioner Billy Joel president of the “Anchors Away Foundation,” which supplies dinghies for disabled children, giving them the opportunity to sail on their own. To date, the Foundation has raised over $150,000 to purchase 35 sail boats for challenged children. “Thousands of children from Miami-Dade Public Schools now participate in the Marine Academy and Anchors Away sailings from the home base of Oleta River State Park, Coconut Grove Sailing Club and Miami Yacht Club,” Joel said. “We’re proud to say that 100 percent of every dollar donated to the Anchors Away Foundation is spent on purchasing the boats, specialized motorized equipment for children who cannot use their arms, beach access wheelchairs and other necessary equipment for the continuation of this program. We thank all of our sponsors and donors who have helped give students the freedom on the water that they may not have on land.” New opportunities to participate in philanthropic endeavors are always “music to Billy Joel’s ears.” He’s now looking forward to sharing in the Aventura Marketing Council’s 25th anniversary celebration during the 4th annual Young Stars Showcase at the Aventura Arts and Cultural Center in December. Billy and Sandra Joel are proud to be among “Friends of the Young Stars” – benefactors “paying it forward” to the AMC Education Foundation, which supports many educational programs sponsored by the AMC, including the award-winning Student Connection program for at-risk students from ten Dade Partner schools.

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Senior Citizen Directory HALLANDALE BEACH


Senior Services City of Hallandale Beach 400 South Federal Highway Hallandale Beach, FL 33009 954-458-3251 Hallendale Beach Senior Services provides aid to eligible seniors 60 and older. The services provided by the city include: case management, food in emergency situations, payment assistance for utilities and rentals and health services. The City of Haullandale Beach also provides senior activities through the Hepburn Center which offers such activities as: education forums, arts and crafts, field trips and music.

The City of Aventura 9200 West Country Club Drive Aventura, FL 33180 305-466-890 The City of Aventura provides seniors with opportunities for recreational activities and classes. These include but are not limited to: trips to the local theatre and museums, tennis, yoga, mahjongg, computer, stretch and Zumba lesson, depending on the date. These lessons vary in price and some are free of charge.

Memorial Senior Partners Resource Center 1726 East Hallandale Beach Boulevard Hallandale, FL 33009 954-276-9880 The Senior Partners Resource Center provides adults 50 years and older with various activities and healthcare benefits. For a small one-time fee seniors can take part in the following benefits: exercise and dance classes, health screenings, a senior prescription discount card, physician referral services, senior newsletter, bingo games and much more. Jewish Senior Center 788 E Hallandale Beach Boulevard Hallandale, FL 33009 954-458-1968 The Jewish Senior Center is a Chabad house which offers various activities, lessons and programs for seniors. Such activities include but are not limited to: guest lectures, adult education, Yiddish group, yoga, arts and crafts, community service opportunities and exercise classes. The Jewish Senior center also offers referrals to retirement communities, nursing homes and holiday services. The American Legion 225 SE 1st Avenue Hallandale Beach, FL 33009 954-454-6444 The American Legion is a not for profit organization which provides war veterans with many volunteer opportunities, services and programs. Members of the American Legion can receive: job placement assistance, various discounts, healthcare information, claims assistance and family support. Hallandale Adult Community Center 1000 South West 3rd Street Hallandale, FL 33009 754-321-7050 The Hallandale Adult Community Center provides students of all ages a second chance at receiving a higher education at an affordable price. Adults can earn their GED or ABE (adult basic education) during their daytime or evening classes. The Hallandale Adult Community Center also offers English classes designed to fit the student’s individual needs.

Accessible Home Health Care of Aventura 13899 Biscayne Boulevard, Suite 108 North Miami, FL 33181 305-627-3103 Providing quality care and various services, Accessible Home Health Care of Aventura provides many assistance options for seniors who still want to maintain independence. Their services include but are not limited to: in-home care, therapy, medical equipment, companionship and specialized care for conditions such as Alzheimer’s and Parkinson’s. Accessible Home Health Care accepts many different payment options such as Medicare and Medicaid. Aventura Hospital and Medical Center 20900 Biscayne Boulevard Miami, FL 33180 305-682-7000 Aventura Hospital and Medical Center has their Health Happiness You or, H2U, program which offers various classes and benefits to members. These classes include: yoga, zumba, low-impact aerobics, line dancing and educatiuonal lectures. Members also recieve access to coupons and the H2U newsletter with the latest medical information. Jewish Community Services of South Florida 18999 Biscayne Boulevard Aventura, FL 33180 305-682-8585 Being the largest non-profit Jewish social service provider in South Florida, the Jewish Community Services of South Florida provides an array of services to those in need. JCS also offers senior programs which provide services that include but are not limited to: in-home services, care management, Holocaust survivor support, housekeeping, kosher meals on wheels, shopping assistance and wellness and recreation programs. Regents Park 18905 NE 25th Avenue Aventura, FL 33180 305-932-6360 Regents Park is a nursing home and rehabilitation center that provides quality care and comfort for its residents. Residents at Regents Park recieve social, dietary and medical services including: pain management, respiratory and physical therapy, wound and cardiac care. Regents accepts various payment options such as Medicare and Medicaid. Continued on next page

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Barbara Buxton, J.D., LL.M. Florida Attorney

Nursing Home Medicaid • Elder Law & Estate Planning Florida Medicaid Planning & Eligibility Asset Protection • Wills, Trusts, Living Wills Powers of Attorney • Guardianships Probate: Estate Administration

Serving Dade, Broward & Palm Beach Counties Tel.: 305.932.2293 Miami-Dade County 954.760.7077 Broward County

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Senior Citizen Directory Deerfield Beach Housing Authority 533 S Dixie Highway Deerfield Beach, FL 33441 954-425-8449 Deerfield Beach Housing Authority provides affordable housing in the Deerfield Beach area by charter of the city. The DBHA provides community programs such as project CAMEY which serves to mentor and educate local youth. They also offer housing counseling that offers homebuyer education, post-purchase counseling and credit counseling. Alzheimer’s Association Southeast Florida Chapter 3333 Forest Hill Boulevard West Palm Beach, FL 33406 800-861-7826 The Alzheimer’s Association works to advance research on Alzheimer’s disease and provides support for those living with Alzheimer’s. They provide references to resources in your community, information on Alzheimer’s and dementia, their treatment options and guides to a healthier mind. The Alzheimer’s Association also has a 24/7 helpline that can be reached at 1(800)2723900. Aging & Disability Resource Center of Broward County 5300 Hiatus Road Sunrise, FL 33351 954-745-9567 The Aging & Disability Resource Center of Broward County or ADRC, provides information on and connections to disability services provided by Broward County. For seniors or those with mental illness 18 years or older, the ADRC can provide transportation, meal, home repair and mental health services. For more information, call (954)745-9779. Alzheimer’s Family Center 6280 W Atlantic Boulevard Margate, FL 33063 954-971-7155 The Alzheimer’s Family Center is an organization offering help to those who suffer from Alzheimer’s as well as their caregivers. They offer many services such as: in-home counseling, in-home respite, volunteer companionship and information and referral on Alzheimer’s and services. For the latter, call (954)971-7155 free of charge. Broward County Veteran Services 2995 North Dixie Highway Oakland Park, FL 954-357-6622 Broward County’s Elderly and Veteran services ensure that each veteran receives their benefits and that seniors maintain a proper quality of life. The veteran services provide access to veteran benefits, entitlements and support services. The elderly services include: adult day care, personal and respite care, medical supplies, emergency alert response and homemaking assistance. American Heart Association 6444 N.W. 5th Way Ft. Lauderdale, FL 33309 954-492-6900 The American Heart Association or AHA, is a

non profit organization that strives to educate the public about how to live a healthy lifestyle and heart conditions. AHA provides information on many conditions such as: arrhythmia, heart attack, cholesterol and congenital heart defects. The American Heart Association also strives to raise awareness about these conditions and to find cures through their fundraisers. American Diabetes Association 1500 W Cypress Creek Road Fort Lauderdale, FL 33309 954-772-8040 The American Diabetes Association is a nonprofit organization that provides information on pre-diabetes, diabetes 1 and 2 and tips on how to manage it. The American Diabetes Association, or ADA, has all the basics for living healthy with diabetes such as: recipes for meals, exercise routines, information on medication, woman’s and men’s health, and advice on monitoring your glucose levels. Information may be found online or through their hotline at 1-800-DIABETES (2383). American Parkinson’s Association 201 E. Sample Road Deerfield Beach, FL 33064 954-786-2305 The American Parkinson’s Association South Florida Chapter is an information and referral organization that equips those living with Parkinson’s with the resources they need for healthier living. APA connects those living with Parkinson’s with support and exercise groups, healthcare providers, information about Parkinson’s and caregiver respite assistance. The American Parkinson’s Association also provides information over the phone at (800)835-2732. American Lung Association 2020 South Andrews Avenue Ft. Lauderdale, FL 33316-3430 954-524-4657 The American Lung Association is a nonprofit organization that works towards diminishing lung disease by eliminating or improving environmental factors such as tobacco use and polluted air. The ALA provides information on lung cancer, COPD, bronchitis and influenza. The ALA also works towards finding cures for lung disease through extensive research. American Lung Association’s information can be accessed online or on their helpline, 1(800)-LUNGUSA (586-4872). Arthritis Foundation 5101 NW 21st Avenue, # 440 Fort Lauderdale, FL 33309 954-616-1233 With information on every kind of arthritis to treatment options, the Arthritis Foundation provides a vast array of information to those living with arthritis. This information includes but is not limited to: exercise options, nutrition, preventing and managing arthritis, community programs, special events and fundraisers, symptoms and signs.

Compiled by Sarah Feliu Compiled by Sarah Feliu

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City of Sunny Isles Beach Senior Services and Resources Mount Sinai Transportation Services. (Free.) Transportation provided to and from Mount Sinai Medical Center at 4300 Alton Road on Mondays, Wednesday, and Fridays pick up at 8:00 and 11:00 a.m. and returning Noon and 3:00 p.m. Reservations required at 305.792.1706. SIB Helpers Program. (Free.) The SIB Helpers program is a free service intended to add to the quality of life of seniors in our community with “friends helping friends” finding solutions to problems. This service offers opportunities for seniors to sit down with a City employee to get the kind of help expected from a friend or favorite nephew or niece. Appointments with a Helper are available Tuesday afternoons beginning February 9, 2010 at the Sunny Isles Beach Government Center, 18070 Collins Avenue. To make an appointment, call M – F, 8:30 a.m. – 5:00 p.m. at 305.947.0606. Press 0 and ask to speak with a Helper. Seniors who need referral information can stop by the Information Center in the 1st Floor Lobby of the SIB Government Center at 18070 Collins Avenue. Sunny Serenade Concerts. (Free.) Good music and good company under the

stars at Samson Oceanfront Park on designated Wednesday evenings during the fall, winter and spring seasons. Walking Club. (Free.) During the winter season. Open to all ages, the club meets at 8:00 a.m. Tuesdays and Thursdays at Town Center Park and walks for an hour. Must register at Pelican Community Park, 18115 North Bay Road. Direct questions to 305.792.1706. PROGRAMS: Diabetes Self Management Workshop for ages 62+ Mondays at 9:30am between April 8 – May 13 Must register prior to April 1

Mount Sinai Lecture Series April 4 & May 2 SIB government center 10am – 12pm Reservations required SIB Social Seniors Trip to Gusman Center Tuesday April 9, Departs SIB Government Center at 11am Fee: $45 per person, Reservations Required Maestro Alfredo Munar, Conductor Pianist At Pelican Community Center Thursday April 18, 11am Fee : $5 per person, Reservations required

Living Healthy Workshops for ages 62+ Fridays between April 12 – May 17 Must register by April 5

Sunny Isles Beach Cultural Trips Neil Sedaka Thursday April 11 Bus Departs at 6:00pm from SIB Government Center Fee: $70, reservations required

A Matter of Balance for ages 62+ : Managing Concerns about Falls Wednesdays between April 10 – May 29 Must register by April 3

War Horse Thursday May 9 Bus Departs at 6:30pm from SIB Government Center Fee : $67, reservation required

Miami Marlins Vs. Tampa Bay Rays Thursday May 30 Bus Departs at 5:30pm from SIB Government Center Fee : $35, reservations required EVENTS: Bingo SIB Government Center 3pm April 3 & 24 - May 1 & 22 Fee: $2 Sunny Serenade Samson Ocean Front Park April 17 & May 15 - 7:30pm Free event Four Seasons Cultural Series: FIU Jazz Big Band Sunday, April 14 6:00pm Heritage Park Fee: $5 Golden Era Movie Tuesday May 14 “A Star is Born” featuring Judy Garland Movie and lunch at Pelican Community Park 10am – 1pm Fee: $5, reservation required

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CentraSight offers new hope for macular degineration patients The CentraSight™ treatment program features the first-ever FDA approved telescope implant surgical option for patients with End-Stage Age-related Macular Degeneration (AMD), the most advanced form of AMD and the leading cause of blindness in older Americans. Smaller than a pea, the telescope implant uses micro-optical technology to magnify images which would normally be seen in one’s “straight ahead” or central, vision. The images are projected onto the healthy portion of the retina not affected by the disease. The telescope implant has been demonstrated in clinical trials to improve quality of life for those with central vision loss in both eyes. It improves patients’ vision and returns things most of us take for granted. People regain the ability to see the things that are important to them, increase their independence, and re-engage in everyday activities. They can once again recognize faces and see expressions. The telescope implant is not a cure for end-stage AMD. As with any medical intervention, potential risks and complications exist with the telescope implant. Possible side effects include decreased vision or vision impairing corneal swelling. The first CentraSight Patient Treatment

Program team in South Florida includes Dr. J. Harris Levy, MD, Dr. Rashid M. Taher, MD and Wilfredo C. Lara, MD, who evaluate the patients medical condition for elligibility certification; Dr. Jesse Pelletier, MD, who performs the implant surgery; and Dr. Marc J. Gannon, OD, FAOO, the low vision specialist who evaluates the patient’s visual function and coordinates the post-surgical therapy. To schedule an evaluation contact Dr. Marc Gannon at 866.942.2020. Visit for more information.

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Making the most of your Golden Years BY NANCY EAGLETON

Don’t fall for the myth that aging automatically means you’re not going to feel well anymore. It’s true that with aging come many changes, but getting older doesn’t have to mean discomfort, disability and depression. Many of the challenges associated with aging can be minimized by eating right, exercising the mind and body and taking good care of yourself. To make the most of the golden years, practice these healthy habits: Eat Well As you age, healthy eating is more important than ever to maintain your energy and health. Whether you live alone, with your spouse or loved one or at an assisted living facility, enlist the help of a registered dietitian or nutritionist. These specialists can help you learn more about healthy eating, food shopping, assistance programs and nutrition-related health subjects. • Eat fiber-rich foods. High-fiber foods such as whole grains, fruit and vegetables will help you feel more energetic and give you fuel to keep going. • Drink plenty of fluid. Because of physical changes, older adults are more prone to dehydration. If you’re not getting enough water, your energy will suffer. • Eat twice as often, half as much and chew twice as long. Eating mini meals rather than a

few big meals improves nutrient absorption, lessens heartburn and helps weight control. • Make meals a social event. Studies show that people who eat with family and friends tend to eat more balanced meals. It’s also much more enjoyable to eat with others than alone! Stay Active Exercise is vital for healthy aging. It helps you maintain your strength and agility, boosts your mental health and confidence and can even help reduce chronic pain. Staying active in Aventura and Sunny Isles is easy to do. • Check with your doctor. Although it’s never too late to begin an exercise program, check with your doctor before starting. • Go for a walk. Walking is one of the best ways to stay fit. Walk around your block, the park or mall. During the winter season, join the free walking club that walks for an hour every Tuesday and Thursday, 8 a.m., at Town Center Park. • Take an exercise class. The Active Adult classes offered by the City of Aventura include yoga, body sculpting, Zumba, Fit for Life, Strength Circuit and ballroom dancing. Grab a friend and get moving. Looking for a tennis partner? The Free Adult Tennis Clinic is a great way to meet new people. • Avoid injury. If you are new to exercise, start slowly to avoid injury and build a healthy habit.

Stay Connected Staying connected isn’t always easy – even for those who have always had an active social life. It’s important to connect to others. Loneliness and isolation are major threats to aging well. • Be a social butterfly. Spend time with people you enjoy doing things that make you feel upbeat. Try attending a free Sunny Serenade Concert at Samson Oceanfront Park on designated Wednesday evenings during the spring, fall and winter. You’ll enjoy good music and good company. • Go on adventures. Attend a religious service, go to a book club meeting or visit the library. The City of Aventura Active Adult Programs offers exciting trips and tours to South Florida attractions, including Fairchild Tropical Gardens, Broward Center for the Performing Arts and Festival Flea Market. • Take a class. Studies have shown that stimulating the mind every day is critical to overall health. The City of Aventura Active Adult classes include Mahjongg Mania, bridge, knitting and introduction to computers. • Make new friends. As you lose people in your circle, it’s vital to make new connections. Connect with others through the Aventura Express, which can take you to points of interest like Aventura Mall, the Commu-

nity Recreation Center, Aventura Arts & Cultural Center and the library. Take Good Care Healthy aging happens when people seize the opportunity to be in control of their health and health care. The area’s reputable hospitals and healthcare providers offer primary care medical services for the prevention and treatment of all medical conditions. • Get regular check-ups. Talk with your doctor about any new or unusual symptoms and complications. Review your medication list every time you visit your doctor and be sure to follow doctor’s orders. • Control your weight. Weight control may be harder as you get older, but staying at a healthy weight helps you prevent diabetes and heart disease. • Address your pain. There’s no need to live in pain. Talk to your doctor about managing it with movement, therapy and medication. Physical therapists can help you heal from an injury or surgery. • Attend free health screenings and lectures. Mount Sinai Medical Center offers free blood pressure, cholesterol and glucose screening the second Thursday of each month, 9 a.m.-12 noon, in the Sunny Isles Beach Government Center. The hospital also offers various educational health lectures that help keep you up-to-date.

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Personal Service Hallmark of Flamingo Care Residents By Lee Stephens When Anna Kaplan decided to open a secure assisted living residence with quality services, she also wanted to make sure it provided an intimate, homelike atmosphere. Since she opened the home in 2009, Kaplan, a registered nurse, said “it has always been my dream to create a genuine, home-like environment Flamingo Care provides an intimate Flamingo Care provides an intimate Kosher home for assisted living where people with disabilities could Kosher home for assisted living eat, live, and grow together as a family.” Now in its fourth year, she has nurtured Flamingo Care’s reputation to live by its motto of “Safety and Independence,” her personal signature for its caring services and success. As Miami-Dade County’s only Glatt Kosher ALF under the “hashgacha” (supervision) of Kosher Miami, Kaplan’s continued devotion to those under her care has become the hallmark of Flamingo Care’s stature in the North Miami Beach Jewish community. “We specialize in long term and respite care, dedicated to the emotional and physical well being of residents entrusted to us,” she explained. “But of equal importance is providing an environment that is both loving and secure, just as you would desire in a private home with a caring family. “Even upon entering Flamingo Care for the first time, our residents invariably say they have instantly felt at home,” she added. Creating such a warm and caring ambiance is further enhanced by planned activities residents enjoy throughout the day, including arts, crafts, games and other pursuits. Each morning, supervised strolls along the naturally-beautiful waterline pathway of a nearby canal begins the day for residents who may enjoy exercising, feeding a flock of ducks, or just relaxing under the gazebo. In addition to its services, Flamingo Care provides many volunteers---young and old—who come from neighborhood homes and schools to spend time with residents, interacting as companions or aiding with personal needs. Certified as a Kosher facility, Flamingo Care welcomes residents of all backgrounds and faiths. Limited to just six beds, Kaplan’s caring touch provides the personal touch which makes the residence perfectly suited for loved ones who desire a homelike atmosphere at extremely reasonable cost. There is also a registered nurse on call 24 hours a day, seven days a week. “Here our residents aren’t a number, they are family --- our family,” Kaplan said. We are ECC (Extended Congregate Care) licensed. The average Assisted Living Facility only carries a standard license. The standard license requires that a resident transfer to a nursing home or other facility with certain illnesses or disabilities. The incurred costs are much higher and the care does not compare to what we offer at Flamingo Care. Having this additional license allows residents to stay in a familiar environment and one where they are comfortable.

Flamingo Care CareAssisted AssistedLiving LivingFacility Facilityisislocated locatedatat Flamingo 1270 N.E. 174 St., North Miami Beach. 1270 N.E. 174 St., North Miami Beach. Call 305-654-7900 305-654-7900for forinformation informationororvisit visit Call

April 3 - 16, 2013

City of Sunny Isles Beach Senior Services and Resources

The following City-sponsored services, classes, and activities are offered by the Cultural & Human Services Department. For dates, times, and more information check the quarterly Calendar of Programs and Events. Most classes are offered in 4 week sessions. You may pick up a copy of the Calendar of Programs and Events at the Government Center, 18070 Collins Avenue, or Pelican Community Park, 18115 North Bay Road. AARP Tax Preparation Services. (Free.) Tax preparation services offered by AARP (American Association of Retired Persons) each year from February to April for taxpayers with low and middle incomes with special attention to ages 60+. AARP Driving Safety Course. (Feebased.) Offered once or twice yearly in the winter season at the 1st Floor Meeting Room in the Sunny Isles Beach Government Center from 10:00 a.m. to 4:00 p.m. Brush up your driving skills and apply for an insurance discount with successful completion of the class. Call 305.792.1706 for details. Annual Anniversary Party. (Free.) A City celebration held annually in June at Samson Oceanfront Park with fun, games, offshore boat races and entertainment for the entire family. Bingo. (Fee-based) Bingo held on the 1st and 4th Wednesday of the month. Join your neighbors for fun and prizes. Pre-registration is required as space is limited. Call 305.792.1706 to reserve your spot. Classes and programs (Fee-based.) Offered year round are programs including, ballroom dance, bocce league, yoga, English as a second language, Fine art for adults, Intro to Computer & Internet, MS Office, and Spanish. Community Shuttle Bus Service. (Free.) Easy, clean, comfortable, and handicap accessible bus service offered 7 days a week around town and to Aventura and Intracoastal Malls. This service also connects to North Miami Beach and Aventura shuttle buses at the Bus2Bus signs. Community Shuttle Bus schedules are available for pick up at Sunny Isles Beach Government Center, 18070 Collins Avenue or at Pelican Community Park, 18115 North Bay Road or on-line. Cultural Event Trips. (Fee-based.) Discounted tickets with transportation included to a variety of events: plays, operas, major league sports, etc. Reservations are required and may be made in person at the Pelican Community Park, 18115 North Bay Road. • M-F, 8:30 a.m. – 2:00 p.m. and 6:00 – 9:00 p.m. • Saturday 8:30 a.m. – 9:00 p.m.;

• or at the SIB Government Center, 18070 Collins Avenue, M – Sat. 10:00 a.m. – 4:00 p.m. Four Seasons Cultural Series. (Feebased.) The best-kept secret in town! Classical music, jazz and dance performances four times a year. Brought to your City in an intimate setting at very affordable prices. Individual and series tickets are available. Golden Era Film Series. (Free.) Classic movies on a week day morning in a comfortable indoor setting. Pre-registration required. Call 305.792.1706. Mini-FLOW (Fee-based.) Get a new, duplicate or renewal for your Florida ID Card or a duplicate or renewal of your Florida Driver’s License. This service is offered every other month on the first Friday from 9:30 a.m. – 2:00 p.m. and is conveniently located in the 1st Floor Meeting Room at the Government Center. There are no reservations required and standard state licensing fees apply. Mobile Library Services from MiamiDade County. (Free.) The mobile library comes to your neighborhood in Sunny Isles Beach: Tuesdays, Noon – 1:00 p.m. at Winston Towers 100, 250 -174 Street. Wednesdays, Noon – 1:00 p.m. at Arlen House, 100 Bayview Drive (158 Street). Fridays, Noon – 1:00 p.m. at Ocean View, 19390 Collins Avenue. Mount Sinai Blood Pressure, Cholesterol & Glucose Screening. (Free.) A service provided each second Thursday of the month from 9:00 a.m. – noon at the 1st Floor Meeting Room in the Government Center. No reservations required; just show up. Mount Sinai Lecture Series. (Free.) An educational lecture series presented by experts from Mt. Sinai held the first week of every month on either Wednesday or Thursday mornings. Pre-registration is required with Mt. Sinai at 305.674.2600.

Community Newspapers Senior Citizen Guide 4.3.2013  

Aventura News and Sunny Isles Beach Sun

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