Issuu on Google+

LEISURE

JACKSONVILLE

July 2012 Edition

LIFESTYLE REDESIGNING WITH GRANITE

cash prize

$500.00

Your Key To Kitchen Remodeling

WORK OUT BLUES GOT YOU DOWN?

GUARANTEED WINNER EVERY ISSUE

Check Out This Month’s Nutritional Plan To Get You Back On Track

FINANCIAL PLANNING A Guide To Asset Protection

Explore New Travel Destinations In Napa Valley, San Francisco and Snowshoe WV Summer Blues Gotcha Down? Check Out Jacksonville’s Calendar Of Events And Schedule Your Next Outting

FREE ISSUE JACKSONVILLE FLORIDA EDITION

| JULY 2012

1


2

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


LEISURE LIFESTYLE A Letter From The Editor On behalf of Leisure Lifestyle Magazine, I am delighted to announce the publication of the inaugural issue. Leisure Lifestyle magazine has been nearly 2 years in the making. It was felt by myself that this publication would be the ideal vehicle to build on the success of businesses throughout the community. This inaugural issue consists of targeted articles and platforms of interest to Jacksonville and it’s surrounding suburbs. Thanks are due first to the dedicated staff of Leisure Lifestyle for their endless hours of hard work and tenacity as they have so generously given their time and expertise to make this project happen. No detail, large or small, has been beyond their notice. Their professionalism, attention to detail and good humor has made seeing this issue into “print” a real pleasure. I also thank the guest editors of this first issue who admirably suffered through our teething process as we put in place our workflow while at the same time going into production. Ricardo Brittle Editor-in-Chief Leisure Lifestyle Magazine

INSIDE THIS

ISSUE Health & Wellness Losing with Yoga............................ 5 After Workout Guide.................... 6

Home & Garden Benefits of Granite....................... 10

July 2012

volume 1 - issue 1 Editor in Chief Ricardo Brittle

Event Calendar............ 8

Design Director Arem Duplessis

Director of Photography Kathy Ryan

Sudoku...................... 14

Deputy Editors Lauren Kern, Joel Lovell Managing Editor John Haskins Story Editors Sheila Glaser, Jonathan Kelly, Dean Robinson, Ilena Silverman, Adam Sternbergh, Vera Titunik, Greg Veis

Art Director Denise Lynn

Fashion 2012 Fashion Alert.........................18

Deputy Art Director Caleb Bennett Designers Sara Cwynar, Hilary Greenbaum

Kids & Family Lady Bug Parties............................21 Forget Discipline...........................23 Tutoring.............................................24

Calendar of Events

Design Assistant A.E. Velez Deputy Photo Editor Joanna Milter Photo Editors Stacey Baker, Clinton Cargill, Amy Kellner, Luise Stauss Photo Assistant Gabrielle Plucknette

A Guide to Jacksonville.............26

Financial Guide Protect Your Assets.....................29 Is Your Estate In Order?........... 34

Travel Guide Snowshoe WV................................35 Napa Valley..................................... 36 San Francisco................................ 38

Win $500! Answer Simple Questions In This Month’s Scavenger Hunt To Win!.................................. 39

Advertisers Index......... 39 JACKSONVILLE FLORIDA EDITION

| JULY 2012

3


4

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


:: HEALTH & WELLNESS | featured section

Losing Weight With Yoga

How Does Yoga Help You Lose Weight?

E

1. Reduces Stress - Stress causes the body to retain fat and also reduces your metabolism. The more stress you verybody knows that you need to stay active in have in your life, the harder it is to lose weight. Yoga order to get the best results when trying to lose weight. is a great stress reliever and can help you get rid of any Most people think that you need to do lots and lots of weight that is caused by being overly stressed. cardio exercise to achieve the greatest results. We join gyms, go to spin class, run many miles, cycle and swim 2. Workout Intensity - It is not always a good idea to shed off the unwanted pounds. Cardio is definitely an to push your body to its limits when working out. It excellent way to stay in shape and I include it regularly. is good to also include relaxing, muscle and balanceHowever, if I didn’t also include yoga, I wouldn’t be in building routines that work out the entire body. You’d be surprised how much sweat you will produce in a one as good shape as I am now. hour full body yoga workout.

“bigger muscles to compensate for the smaller ones”

3. Lean Muscle - When doing yoga you will notice your fat being transformed into lean muscle. More muscle means that your body needs more energy to function and therefore burns more calories.

If you want to keep your body in muscular balance you need to do more than just cardio training. When doing cardio, no matter what you are doing, you are repeating the same movements over and over again. This leads to your muscles becoming tight and stiff. You will gain huge amounts of strength in the muscles you are using, but will lose strength in the smaller stabilizing muscles. This causes the bigger muscles to compensate for the smaller ones and in turn creates an imbalance in your body. Yoga helps to fight and prevent this imbalance from happening in the first place. Yoga is a whole body workout that lets you get in touch with every muscle in your body. By doing many different balances that move fluidly between poses, you gain an awareness of your body’s strengths and weaknesses. These movements and static poses work out many of the smaller muscles in your body which increases their strength, flexibility and relaxes the body as a whole. JACKSONVILLE FLORIDA EDITION

| JULY 2012

5


:: HEALTH & WELLNESS | featured section

After Workout Nutrition

Common Sense Health Guide

T

he foods we choose to refuel our body with post-exercise are vital to meeting our body’s needs. Unfortunately, there is a lot of confusion surrounding women’s fitness diet plans, leaving most of us unsure of what to eat and not eat after a workout.

During and after exercise, our blood circulates more rapidly, especially through the muscles being trained. If we strategically put the nutrients it needs into our bloodstream at the right times, our bodies will be able to recover and replenish more efficiently.

The important thing to remember is that nutrition needs clear, factual information, common sense, and diligence if you want to make your overall health better. If the other meals of the day are not executed properly, you won’t achieve your workout goals.

After Workout Nutrition For A Women’s Fitness Diet This brings us to the “window” of opportunity, which occurs immediately after a workout. During this timeframe, our muscles are primed to accept the nutrients that can stimulate muscle repair and growth.

What Happens When We Workout Let’s make some sense of this confusing topic by discussing why we workout. For me, (and I think I speak on behalf of MOST of the population), there are 3 main reasons to exercise: 1. Improve health 2. Improve body composition 3. Improve performance

While protein synthesis lasts for up to 4 hours, our body will receive the most benefits from nutrients consumed within two hours of exercising. Wait too long to refuel your body, however, and you’ll experience a decrease in glycogen storage and protein synthesis.

If you want your fitness diet to contain the right nutrients your body needs after a workout, we need to focus on what our body experiences during exercise. During an intense workout, we break down muscle tissue, essentially damaging the tissues. This sounds bad, but this process is what actually makes us leaner, fitter, stronger and more muscular. Essentially, a women’s fitness diet needs to do 3 things: 1. Replenish glycogen  2. Stop protein breakdown 3. Promote protein synthesis Muscle building occurs when our body reaches a positive protein balance during recovery by consuming the right type of nutrients after exercise triggers protein synthesis. Our body also depletes its carbohydrate levels during exercise, which need to be refilled. This means our body NEEDS protein and carbohydrates post-workout. 6

JULY 2012 |

So What Should I Eat? Let’s recall what it is that we are trying to achieve with post-workout nutrition: 1. Replenish glycogen 2. Stop protein breakdown 3. Promote protein synthesis This tells us we need carbohydrates to replenish our energy levels, and protein to prevent further breakdown and promote rebuilding. Because our window is small, we need to consume quick digesting carbohydrates and quick digesting protein post-workout. Sources such as isolates, dextrose, or a recovery drink are best. Whole foods digest slowly, which is why most fitness enthusiasts choose liquid post-workout over whole foods. If you do choose whole foods, opt for ones that are quick to absorb like fish and white rice. Just make sure to take advantage of the two-hour “window”.

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449

continued on page 8


JACKSONVILLE FLORIDA EDITION

| JULY 2012

7


:: HEALTH & WELLNESS | featured section

After Workout Nutrition

Continued From Page 6 Post-Workout Protein Shakes and Protein Types Post-workout shakes are not NEEDED, but they’ll help with recovery and muscle building. Protein powder is convenient and cost-effective option. It’s great for before and after your workouts, and also as a meal replacement. Because proteins have different uses, however, you’ll need to select different types of protein supplementation for each one. Soy protein comes directly from the only plant-based food to contain a complete protein: soybeans. However, it does have more fat and takes longer to absorb. On the bright side, it’s excellent for supplying your muscles with a steady supply of protein throughout the day. It also contains isoflavones, which promote health cholesterol levels.

fat content, this is the highest quality powder available. In fact, 90% or more of its weight will be protein. It is also the most efficient of the proteins -- 30-60% more efficient than concentrate. Whey Protein Concentrate -- The cheapest whey supplement, concentrate is high in fat and lactose. It has the highest biological value, and is about 75% protein by weight. Whey Protein Blends -- A mixture of concentrate and isolate, this provides you with a lower fat and lactose content, while still being affordable. Blends also have a great amino acid profile. If you’re looking for a post-workout protein shake, choose whey isolate for its protein synthesis (building) effect. It may be more expensive, but it rapidly releases amino acids into blood stream and gets into the blood quicker, which is exactly what you need immediately after a workout. It peaks after about 40 minutes, and lasts about an hour.

Hemp protein is derived from hemp seeds. It contains approximately 50% less protein than whey, but it does contain omega-3 fatty acids to boost heart health. This type of protein powder is best used for morning drinks and between meal snacks, rather than for post workout recovery. It’s also a suitable alternative for those Micellar-Isolate Protein Powder is the highest quality sensitive or intolerant to milk products. form of protein powder. Called a ‘muscle-sparing’ Whey protein, from cow’s milk, is a by-product left protein, casein releases much more slowly in the body, over when making cheese. It’s 31% more effective at causing a steady release of amino acids into the blood, building muscle than soy, and is considerably more over a longer period of time. effective at stimulating protein synthesis compared to other proteins, but you need to be careful when A fast-digesting protein, such as white fish is a better pre-workout protein. And for breakfast, supplement buying. with whey protein to combat the muscle breakdown that Lower quality whey powder has high fat and dietary may occur due to the fasting that occurs while sleeping. cholesterol levels. It’s also the fastest-absorbing Again, a better option here is a fast-digesting protein protein powder types, making it the best of the three for such as eggs. recovery, growth, and maintenance after workouts. Remember that what you eat and when you eat is just Post-Workout Nutrition For A Women s Fitness Diet -- as important as the details of your specially designed workouts for women. Create a women’s fitness diet that Whey Protein If you’ve looked around, you’ll have noticed three types best suits you and meets the needs of your workout. You’ll not only look better, and get improved results, of whey protein supplements: but you’ll feel better, too. Whey Protein Isolate -- With almost no carbs, lactose, or 8

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


:: HOME & GARDEN | featured section

JACKSONVILLE FLORIDA EDITION

| JULY 2012

9


:: HOME & GARDEN | featured section

Kitchen Renovation Experts Discuss The Benefits Of Granite

See what our experts recommend

W

hether you are building a new house, or just remodeling your kitchen, granite countertops can be a great enhancement to the beauty of your project. But, how well do they withstand the abuse of hot pots and pans? Will they scratch easily when someone chooses to cut bread directly on its surface? If someone spills sauce or a colorful beverage, will it leave a stain? When choosing a new countertop,  you need to consider not only its appearance, but its durability and ease of maintenance.

blue, red, burgundy. brown, grey, beige, yellow, gold, green, etc. Sometimes you will find several different colors in the same piece of stone.

Granite countertops are available in an abundance of colors and textures. The appearance depends on the exact mix of minerals in this naturally occurring stone. Colors vary from almost white or ivory, to almost pure black. And, between the extremes, you’ll find a rainbow of colors from which to choose. Granite colors may be

Granite is one of the hardest naturally occurring stones. The only thing harder would be diamonds. In fact, a diamond saw is required to cut granite countertops to fit your kitchen and to cut the hole for installing the

10

JULY 2012 |

The texture can vary from a relatively uniform salt and pepper look, to a turbulent swirling of different colored minerals. Some have a vein of a particular mineral running through the stone. Some people find this to be an appealing rustic look, while others see it as a defect. You get to choose whatever you like.

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449

continued on page 12


JACKSONVILLE FLORIDA EDITION

| JULY 2012

11


:: HOME & GARDEN | featured section

Kitchen Renovation Experts Uncover Cost Saving Tips

Continued from page 10 sink. This hardness makes granite very scratch resistant, more so than any other type of countertop material. Granite is also very unlikely to suffer damage from hot pans or burning. Some other benefits of granite countertops are that they resist staining and bacteria build-up. Granite can stain, however, so it is standard practice to seal the surface to prevent this. The result is that granite will resist staining as well, or better, than any other stone countertop material. Keep in mind though, stain-resistant is not the same as stain-proof. Spills should be wiped up promptly from any countertop surface. You have a number of material types from which to choose. It would be well worth your time to visit a local supplier that specializes in granite countertops. They should be able to discuss how granite compares with various other products that are available, and which

12

JULY 2012 |

they probably carry, such as: ceramic, soap stone, marble, etc. You’ll likely find that granite will be your first choice. While you are there, you’ll have a chance to see a wide variety of granite colors and textures. An advantage of using a local supplier is that you’ll be able to choose the actual piece that will be cut to make your own countertop. The vast array of colors, textures and durability makes granite countertops an excellent choice for any home. When properly installed and maintained, they will probably outlast the home itself. Careful selection and proper installation of granite countertops add elegance and value to your home. You will get many years of pleasure from your choice.stove (particularly if gas powered) may take more thoughtful consideration.

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449

continued on page 14


JACKSONVILLE FLORIDA EDITION

| JULY 2012

13


:: HOME & GARDEN | featured section

Kitchen Renovation Experts Uncover Cost Saving Tips

Continued from page 12 Functionality Since the main requirement of a kitchen is utilitarian it goes without saying that our first priority should be ensuring that we create an efficient workspace. The easiest way to run a quick assessment of how well your kitchen is laid out prior to redesigning things is to look for the classic kitchen triangle. Basically the classic kitchen triangle is formed by the sink, stove/ oven and refrigerator each assuming a point in an invisible triangle. The kitchen operator should be able to move unimpeded between them all and the distance between each point should be similar and not more than a couple of steps. That should cover the initial stages of the though process of assembling some kitchen renovation ideas. In the next article we will discuss several different layouts that have proven themselves over time.

14

JULY 2012 |

Kitchen renovation is a broad term! To some people it might mean a very rudimentary facelift, maybe a new appliance or two and a coat of fresh paint or it could be as dramatic as a complete tear-out and replace job. With that in mind we’ll take a look at some layout options, if these details don’t apply to your current situation they’ll at least put some ideas in your head for future projects. Single-wall layout. This layout is usually done in small spaces in which all the appliances and cabinetry are placed against a wall. Full height units like a refrigerator must be placed at one end while a cook-top should be placed near the sink and not the end of the run. Otherwise it will create an uncomfortable working environment, while adding unnecessary steps to the cooking process. Always bare in mind the rule of thumb that the refrigerator, sink and

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


stove must always be within easy reach of each other work areas can meet each other and focus on one central and you won’t go far wrong. point – the kitchen operator. Corridor Layout. A hall or galley layout is made of two opposing counters that should be at least 42 “apart. This is also a good design layout for small spaces, but has a few advantages over the single wall run considering that work-triangle principle can be applied here.

Whichever layout you decide on always consider the comfort of the cook. There should be a minimum distance between repetitive chores to save the cook from fatigue and foster the joy to the whole cooking experience. Lots of pantry storage and pull out drawers for everyday dishes would be an indispensable part of the L-shaped layout. kitchen cabinetry. For boxes, the use of full extension This layout is usually more desirable for a kitchen with drawer slides gives easy access to items stored towards limited space compared to both the straight run and the the back of the cabinet. corridor layout. The work triangle can be designed in such a way that there will be fewer steps to prepare food The countertop contributes a lot to the look and overall which makes the cooking experience less demanding. atmosphere of the kitchen, especially if your kitchen It’s also far less susceptible to traffic snarls. design includes a large uninterrupted counter space. You can choose from a variety of materials like Laminate, U-Shaped Layout. Solid surface material which is sold under the name of The U-shaped layout is the most versatile and efficient Corian, Surrell, Gibraltar, etc.., Ceramic tiles, granite kitchen layout. If your space and budget can handle this and marble, stainless steel, soapstone, Lava Stone and design then go for it. This shape makes the most of the working triangle principle. All appliances, storage and continued on page 16 JACKSONVILLE FLORIDA EDITION

| JULY 2012

15


:: HOME & GARDEN | featured section

Kitchen Renovation Experts Uncover Cost Saving Tips

Continued from page 14 butcher’s block counter. If there’s room to include a seating area in your design it can provide a comfortable area for guests to sit out of the way for conversations while the cook is working. Adding an island is also great where possible! It not only creates a good focal point but it also provides an extra counter space, a good place for a quick meal or just a place where kids can hang out while mom prepares their favorite meal. The key to a successful kitchen design is a complete understanding of the real needs of the user. So get out your measuring tape and get to work, you’re bound to come up with plenty of your own kitchen renovation ideas.

16

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


JACKSONVILLE FLORIDA EDITION

| JULY 2012

17


:: Fashion | featured section

Fashion Alert 2012

What’s hot - What’s trending - What’s not

F

ashion is something we deal with every day. Even people who say they don’t care what they wear choose clothes every morning that say a lot about who they are and how they feel that day. In the ever so often morphing world of fashion, there is only one certain, consistent thing and that’s change. We are constantly being bombarded with new fashion ideas from music, videos, books, and television. Movies also have a big impact on what people wear. But for most, it’s a daily game of tug-a-war with style.

Most of all fashion is about being comfortable with yourself as you translate self-esteem into a personal style. Fashion is a means of self-expression that allows people to try on many roles in life. Whether you prefer hip-hop or Chanel-chic, fashion accommodates the chameleon in all of us. It’s a way of celebrating the diversity and variety of the world in which we live. The best advice I can share with you is what I have learned along the way in regards to finding your OWN style: Trends don’t last very long so when in doubt, Keep it Simple! continued on page 20

18

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


JACKSONVILLE FLORIDA EDITION

| JULY 2012

19


:: Fashion | featured section

Fashion Alert 2012

Continued from page 18 Whether it’s a ready made outfit or in need of a personal touch, here are a few ways to create a closet full of fabulously chic, stylish and most important, simple ways to express your mood! - Kenea Brittle

20

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


:: KIDS & FAMILY | featured section

Lady Bug Parties

I

f your little girl loves one bug, chances are it’s a ladybug. With it’s spotty splender and bright red or orange shell, this beetle is all dressed up and somewhere to go! The cute black and red colors with the perfect amount of black polka dots are just something that every little girl gravitates to. So if you are looking for the perfectly simple party theme for your little darling, a ladybug garden theme is fun, and the built-in design makes the décor quite easy to execute. If you want to carry this off it’s all about the color, the activities, and rolling up your sleeves and getting down into the dirt. This party is best in late August, when your vegetable garden is ready to pick. Also, of course, having ladybugs in your backyard is a definite bonus, but not necessary (it may be better to just leave them alone. How would the ladybugs feel with a horde of little hands grasping for them?) Dressing the Part First and foremost, if you want to have little girls get excited about a party, have them dress up. Outfits can range from a red and black outfit to a polka dot skirt to a full ladybug costume. If you have the budget or expertise to make, supply each of the guests with their own little pair of wings that they can wear for the party and take home with them. However, with this ladybug garden party you are going to get dirty. Supply each guest with a garden apron to wear. First Activity - Ladybug Scavenger Hunt The first activity is a fun scavenger hunt. Have them search high and low for ladybugs and see how many continued on page 22 JACKSONVILLE FLORIDA EDITION

| JULY 2012

21


:: Kid’s & Family | featured section

Lady Bug Parties

Continued from page 21

have them dig for a veggie that you have planted and is ready to pick. Set them up with their own little station in a spot where you know they can dig something up. As they are digging and tending to their little garden spot, talk to them about what it is like to work in the garden each day. Let them have fun with this and really feel the dirt in between their fingers. When each of them gets to pull up a carrot, cucumber or whatever else they’ve found, they will be thrilled and this will develop a real appreciation for a garden.

“hide some toy ladybugs throughout the garden”

they can find. If you’d rather they leave the actual beetles alone, instead hide some toy ladybugs and pins throughout the garden so that they can find them and keep count.

Second Activity - Harvesting and Eating After this fun adventure, it’s time to get down and dirty in the garden. Ask them all to roll up their sleeves, put on their garden aprons and get out their gardening hats. You can supply them with some cute little girlie shovels, rakes, gardening gloves, and gardening pads to make this really fun - in the signature red and black ladybug colors of course. Set them all up in their own designated spot and then

If you are a little squeamish about a bunch of children in your garden, you can pre-dig some of your vegetables, place them in planters (complete with dirt), and place them around your yard. Then let the kids dig them up. Once this is done, have them all wash their vegetables and their hands. While they clean up and remove their gardening clothes, you or another adult can cut up the fresh veggies, and serve with dip. Be sure with their little feast you throw in tiny sandwiches, drinks, and desserts for the perfect little garden party. For more ideas, check out some fun and creative ladybug themed recipes. Activity #3: Plant Your Own Masterpiece After the food and cake is served, it’s time to create a little masterpiece of their own to take home. Give each guest a small pot. They can decorate with glitter, paint and other crafts to craete their own personalized pot. Have them draw their name on it, too. Once this is complete, fill each pot with a bit of topsoil. Then, pool a variety of seeds in a central container wildflowers, herbs and small vegetables - anything that grows well in a pot. Each person grabs a small handful and sprinkles the seeds into their pot. Then, cover with a bit more topsoil, and add a little water. They can then take it home, wondering what types of plants will be growing in their party favor! Your guests will be talking about this cute little ladybug garden party for some time to come, and will learn to really appreciate what having a garden is all about!

22

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


Forget Disciplining Kids

Let Them Join Up Instead

H

orse trainer, Monty Roberts, revolutionized the violent world of equine training when he developed his Join-Up method of communicating with the animals. Based on years of close observation as to how horses ‘spoke’ to each other, Monty gained the trust of skittish or balky horses by mimicking behaviors to get a message across. No whips, no yelling, no violence.

With this understanding, then, an age-appropriate behavior (or incentive) chart can be created. It simply outlines the effects of the child’s actions: positive behavior attracts positive consequences; negative behavior attracts negative consequences. Again, this is not a new teaching device, but it is a peaceful and respectful approach.

For example, Monty uses a tactic parents of young children everywhere will recognize: the time-out. Horses themselves will temporary isolate a family member as a form of discipline. By using the animal’s own method of communication, Monty gains its trust and the horse (usually within a very short time) will join him, and do as he asks, voluntarily. Monty and his wife Pat successfully applied the tenets of ‘join-up’ in raising their own three kids and 47 foster children.

If you and your child have agreed on the consequences of a problem behavior (example: giving a hard time about doing homework equals missing the next soccer game), make sure there’s a reward as well (doing homework responsibly and without fuss for one week equals a new soccer ball and doing homework like that for one term equals pizza and ice cream for the whole team).

No Matter

It’s this basic philosophy of ‘joining up’ that all parents can take into the home: the parent, as teacher, creates a peaceful, non-violent environment in which the child, as student, can willingly follow instructions and learn.

how old we are, every action has a consequence.

Peaceful parenting is not a new concept, but it is important that parents realize how crucial the environment is to cooperation. Like horses, children (and people of all ages for that matter) perform better when requested to do something rather than are forced to do it. The pay-off is having a willing child in your home, one who wants to be part of the family group with all the responsibilities and joys that go with it.

Any other negative consequences (in this case, poor marks and angry teachers) should be discussed as well as the positive ones (better marks, satisfied teachers and pride of accomplishment). The reality – and life lesson – is of course that no matter how old we are, every action has a consequence.

Parents of older children should be prepared to have their own behaviors examined. A child might ask, for instance, that a ‘reward’ for positive behavior be that a parent stop yelling or spend more one-on-one time with the child. The behavior chart will change frequently over time, and should focus on matters that – if not resolved – threaten the peaceful and respectful environment of voluntary learning for which you are ultimately striving. JACKSONVILLE FLORIDA EDITION

| JULY 2012

23


:: Kid’s & Family | featured section

Tutoring

Extending Learning

M

ath is a difficult subject for millions of children. If your child struggles with math, there are many steps you can take to help him or her excel. One of the best ways to ensure your child is an excellent math student is to hire a private tutor for your child. Personal Attention A home tutor can give your child the personal attention a school teacher simply cannot. A teacher must divide her attention between dozens of students, but a private tutor can focus all his attention on your child. Your child’s home tutor will understand your child better as a result of this personal attention. He or she will be able to tell when your child is struggling with a particular concept, and can devote extra time to help your child conquer the problem. In-depth instruction A private tutor can give your child in-depth instruction that dwarfs the level of instruction offered in the

“every child learns at a different rate” classroom. Tutors are not constrained by the need to teach massive numbers of children; home tutors only need to teach your child. If your child expresses interest in a particular mathematical concept, a home tutor has the option to spend time investigating that idea with your child. Proper Pace Every child learns at a different rate. A private tutor can tailor the pace of instruction to your child’s needs. If your child takes her time learning a new concept, a home tutor can let her fully explore the concept before introducing a new one. If your child is an eager learner and always wants to learn something new, a private tutor can aggressively teach your child new ideas. Your child 24

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


:: Kid’s & Family | featured section

Tutoring Extending Learning won’t become frustrated or bored as she might if she is limited to classroom instruction. Different Techniques Teachers must use whichever teaching technique works best for the largest number of students. If your child is one of the unlucky students who doesn’t respond well to a particular technique, she may become frustrated or left behind. An in-home tutor, on the other hand, is free to use whatever technique works best for your child. If one explanation for a particular mathematical concept seems to confuse your child, the tutor can simply try another method.

Tutoring your child not only saves money, but creates an everlasting bond. Parents who spend a minimum of 30 minutes a day have seen significant results in their children’s performance at school.

Wider Selection of Teachers Each school may employ only a few math teachers, and even if the school does employ multiple teachers you may not get to choose which teacher your child will learn from. However, you have many choices when hiring a tutor. Best of all, you get to decide which of the potential tutors will ultimately teach your child. Easier to Ask for Help Children often feel embarrassed about asking for help in their school classes. Your child may not understand a particular mathematical concept, but she may never ask her teacher for help because she’s afraid that she’ll look stupid in front of her classmates. A private tutor provides your child with a safe way to ask for math help. Your child can ask her tutor questions without worrying about what her friends will think. With the help of a private math tutor, your child can gain confidence and competence in a challenging skill. Article Source: http://EzineArticles.com/7135783 JACKSONVILLE FLORIDA EDITION

| JULY 2012

25


Jacksonville Calendar Of Events Brad Paisley, The Band Perry & Scotty McCreery Thursday, Sep 27 7:30p  Jacksonville Veterans Memorial Arena, Jacksonville 

Little Feat Tuesday July 31 8:00p Florida Theatre Performing Arts Center, Jacksonville FL

Jim Gaffigan Saturday, Aug 11 7:00p  Florida Theatre Performing Arts Center, Jacksonville 

Rock N Blues Fest: Johnny Winter, Edgar Winter & Rick Derringer Monday August 27 8:00p Florida Theatre Performing Arts Center, Jacksonville FL

Fresh Music Festival: Keith Sweat, Dough E. Fresh, K-Ci and JoJo Friday, July 13 8:00p Jacksonville Veterans Memorial Arena, Jacksonville FL Jason Aldean with Luke Bryan and Rachel Farley Thursday August 9 7:30p Jacksonville Veterans Memorial Arena, Jacksonville FL

Matisyahu & The Dirty Heads Wednesday August 29 8:00p Florida Theatre Performing Arts Center, Jacksonville FL Chris Isaak In Concert Thursday September 13 8:00p Florida Theatre Performing Arts Center, Jacksonville FL

Rising Stars Magazine Music Bike Fest 2012 Sunday July 22 10:00a Jacksonville Landing, Jacksonville FL

Jacksonville Jaguars vs. New York Giants Friday August 10 7:30p EverBank Field, Jacksonville FL

WWE Friday August 3 7:30p Jacksonville Veterans Memorial Arena, Jacksonville FL

The Wiggles Live in Concert! Thursday August 2 6:30p Florida Theatre Performing Arts Center, Jacksonville FL

26

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


JACKSONVILLE FLORIDA EDITION

| JULY 2012

27


28

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


:: FINANCIAL GUIDE | featured section

Protecting your assets while building a solid retirement fund

T

he Securities and Exchange Commission (SEC) receives many questions about investment advisers— what they are and how to go about choosing one. This document answers some of the typical questions we receive from investors about investment advisers. This Q&A is for the benefit of investors. You should not rely on it to determine if you need to register as an investment adviser. Q: What is an investment adviser? A: An investment adviser is an individual or a firm that is in the business of giving advice about securities to clients. For instance, individuals or firms that receive compensation for giving advice on investing in stocks, bonds, mutual funds, or exchange traded funds are investment advisers. Some investment advisers manage portfolios of securities. Q: What is the difference between an investment adviser and a financial planner? A: Most financial planners are investment advisers, but not all investment advisers are financial planners. Some financial planners assess every aspect of your financial life—including saving, investments, insurance, taxes, retirement, and estate planning—and help you develop a detailed strategy or financial plan for meeting all your financial goals. Others call themselves financial planners, but they may only be able to recommend that you invest in a narrow range of products, and sometimes products that aren’t securities.

Before you hire any financial professional, you should know exactly what services you need, what services the professional can deliver, any limitations on what they can recommend, what services you’re paying for, how much those services cost, and how the adviser or planner gets paid. Q: What questions should I ask when choosing an investment adviser or financial planner? A: Here are some of the questions you should always ask when hiring any financial professional: What experience do you have, especially with people in my

circumstances? Where did you go to school? What is your recent employment history? What licenses do you hold? Are you registered with the SEC, a state, or the Financial Industry Regulatory Authority (FINRA)? What products and services do you offer? Can you only recommend a limited number of products or services to me? If so, why? How are you paid for your services? What is your usual hourly rate, flat fee, or commission? Have you ever been disciplined by any government regulator for unethical or improper conduct or been continued on page 30 JACKSONVILLE FLORIDA EDITION

| JULY 2012

29


:: FINANCIAL GUIDE | featured section

Sound Financial Investments For The New Economy

Continued from page 29 sued by a client who was not happy with the work you did? For registered investment advisers, will you send me a copy of both parts of your Form ADV? Be sure to meet potential advisers “face to face” to make sure you get along. And remember: there are many types of individuals who can help you develop a personal financial plan and manage your hard–earned money. The most important thing is that you know your financial goals, have a plan in place, and check out the professional you chose with your securities regulator.

you understand how that person gets paid. Investment advisers generally are paid in any of the following ways:

A percentage of the value of the assets they manage for you; An hourly fee for the time they spend working for you; A fixed fee; A commission on the securities they sell (if the adviser is also a broker-dealer); or Some combination of the above. Each compensation method has potential benefits and Q: How do investment advisers get paid? possible drawbacks, depending on your individual needs. Ask the investment advisers you interview to A: Before you hire any financial professional—whether explain the differences to you before you do business it’s a stockbroker, a financial planner, or an investment with them, and get several opinions before making your adviser—you should always find out and make sure decision. Also ask if the fee is negotiable.

30

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


You can get copies of Form ADV from the investment adviser, your state securities regulator or the SEC, depending on the size of the adviser. You can find out how to get in touch with your state securities regulator through the North American Securities Administrators Association, Inc.’s (NASAA) website or by calling (202) 7370900. Ask your state securities regulator whether they’ve had any complaints about the adviser, and ask them to check the CRD (Central Registration Depository). If the SEC registers the investment adviser, you can get a copy of the Form ADV by accessing How to Request Public Q: Do investment advisers have to register with Documents. In addition, at the SEC’s headquarters, the SEC? you can visit our Public Reference Room from 10:00 A: Depending on their size, investment advisers have a.m. to 3:00 p.m. to obtain copies of SEC records and to register with either the SEC or the state securities documents. continued on page 32 agency where they have their principal place of business. For the most part, investment advisers who manage $100 million or more in client assets must register with the SEC. If they manage less than $100 million, they must register with the state securities agency in the state where they have their principal place of business. Q: How do I find out whether an investment adviser ever had problems with a government regulator or has a disciplinary history? A: Most investment advisers must fill out a form called “Form ADV.” They must file their Form ADVs with either the SEC or the state securities agency in the state where they have their principal place of business, depending on the amount of assets they manage. Form ADV consists of two parts. Part 1 contains information about the adviser’s business and whether they’ve had problems with regulators or clients. Part 2 outlines the adviser’s services, fees, and strategies. Before you hire someone to be your investment adviser, always ask for, and carefully read, both parts of Form ADV. JACKSONVILLE FLORIDA EDITION

| JULY 2012

31


:: FINANCIAL GUIDE | featured section

Sound Financial Investments For The New Economy

Continued from page 31 Q: What should I do if the financial professional claims that he or she is “certified”? A: If the professional you’re considering claims to be a CFP® certificant, you should also visit the website of the Certified Financial Planner Board of Standards, Inc. (CFB Board) to see if the professional is, in fact, certified as a CFP® professional and whether the professional’s certification has been suspended or revoked by the CFP Board. You can also call the CFP Board at (888) 2376275 to obtain other disciplinary information about the professional. Q: Are investment advisers required to have credentials? A: While some investment advisers and financial planners have credentials -- such as CFP® certification

32

JULY 2012 |

or CFA (chartered financial analyst) -- no state or federal law requires these credentials. Many states require advisers to pass a proficiency exam or meet other requirements. Investment advisers and financial planners may come from many different educational and professional backgrounds. Before you hire a financial professional, be sure to ask about their background. If they have a credential, ask them what it means and what they had to do to earn it. Also, find out what organization issued the credential, and then contact the organization to verify whether the professional you’re considering did, in fact, earn the credential and whether the professional remains in good standing with the organization. For information on various financial professional credentials and the entities that issue them, please visit FINRA’s website and read Understanding Financial Professional Designations.

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


JACKSONVILLE FLORIDA EDITION

| JULY 2012

33


:: FINANCIAL GUIDE | featured section

Is Your Estate In Order?

A Suggested Estate Planning Checkup

E

state planning is a task that people like to wait to do. Those who pass away without their financial and legal affairs in good order risk leaving their heirs some significant problems. Ask yourself, where will your possessions go when you die? Here are some suggestions to consider for an estate plan check up. Create a will if you do not have one. A recent Lawyers. com survey of 1,022 Americans found that only 35% had wills. (For that matter, only 18% had some kind of trust.) Seek the advice of a qualified estate planning lawyer. A solid will drafted with the guidance of an estate planning attorney may cost you more initially include some kind of trust (or multiple trusts), durable than the store bought or on line will, but may prove to financial and medical powers of attorney, health care be some of the best money you ever spend. surrogate designations, a living will and other items. A valid will may save your heirs from some expensive A living will is not the same thing as a durable medical headaches linked to probate and ambiguity. Select power of attorney. A a reliable personal living will, also known as representative to execute advanced care directive, your will. Consider a few makes your wishes factors. Is there a stark known when it comes to possibility that your named life-prolonging medical personal representative treatments. might die before you do? Have you named an alternate? Are they competent to handle the administration? A durable medical power of attorney or health care surrogated designation authorizes another party to How property is held is key for determining how make medical decisions for you (including end-of-life property is distributed. How are your bank and brokerage decisions) if you become incapacitated or otherwise accounts titled? Review your beneficiary designations. unable to make these decisions. Who is the beneficiary of your IRA, 401(k), annuity or life insurance policy? Are these beneficiaries still alive? Many people have the idea that they do not need an Are you divorced or remarried? Whomever you name estate plan because their net worth is less than a certain as beneficiaries are the ones who will inherit those amount. Keep in mind, money is not the only reason assets. Your will does not control where beneficiaries for an estate plan. You may not be a multimillionaire are named. If you have none named, then the asset will yet, but if you own a business, have a blended family, have to go through the probate process before being have kids with special needs, worry about dementia, or distributed to your heirs. cannot stand the thought of probate delays plus probate fees whittling away at assets you have amassed ... well, Complement your will with related documents. these are all good reasons to create and maintain an Depending on your estate planning needs, this could estate planning strategy.

“

“

A living will... makes your wishes known .

34

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


:: TRAVEL GUIDE | featured section

Summer months offer golf, festivals and family activies.

A

lthough Snowshoe’s winter season frequently lasts over 130 days, the fun doesn’t end when the snow melts. Snowshoe offers some of the best mountain biking on the east coast, with 100 miles of maintained trails winding through the resort’s 10,000 acres. Trails range in difficulty; some trails follow scenic backcountry roads and old rail trails, while others are hair-raising, advanced singletrack. Races such as the popular 24 Hours of Snowshoe (covered by DCSki in 2002 and 2003) have been held at Snowshoe in the past.

scorching summer heat found in Williamsburg. Not far from Snowshoe, you’ll find other attractions such as the Cass Scenic Railroad and the National Radio Astronomy Observatory.

The Raven Golf Club (formerly known as Hawthorne Valley Golf Course) is an 18 hole, par 72 Gary Player Two mountain biking centers offer trail maps, bike signature course set into the mountainside. Golf rentals, clothing and equipment sales, and bike tours. Magazine has declared the course as one of the “top ten When you’re done biking, you can give your bike a new courses you can play in the U.S.” wash with supplied hoses. Snowshoe added new activities several summers ago, If mountain biking isn’t your sport, Snowshoe also including a skate park, a climbing wall, fly fishing, and offers golf, tennis, horseback riding, swimming, hiking, more. Snowshoe also began offering scenic rides on the fishing, canoeing, or sightseeing. Snowshoe’s high Western Express chairlift during weekends. Snowshoe elevation (nearly 5,000 feet) helps it escape from the is a bustling resort year-round. JACKSONVILLE FLORIDA EDITION

| JULY 2012

35


:: TRAVEL DESTINATIONS | featured section

Napa Valley A Delightful Combination Of Art & Wine

A trip to wine country might just be what the doctor ordered

W

ine Country’s other treasured vintage takes center stage when Napa Valley Arts in April returns to spotlight the 20th and 21st century art residing in wineries throughout the region. Winemakers put their heads together with curators to stage interactive art programs, curator-led tours and special exhibitions for a wine crawl that moves week by week through the valley. Events, many of them free, take place in wineries that serve as repositories for works by contemporary artists such as Francis Bacon, Jean Dubuffet, George Rickey and Richard Serra. Vitals: Next Sunday-April 8, Calistoga; April 9-15, St. Helena/Rutherford; April 16-22, Oakville/Yountville; April 23-30, Napa, Carneros and American Canyon. See website for participating wineries. (707) 226-5813. www.legendarynapavalley.com. -- Paso Robles back to its roots: Lest we forget that wine is only one facet of Paso Robles agriculture, the 36

JULY 2012 |

Cattlemen’s Western Art Show returns for the 22nd year with works from 60 artists. New this year is Pedro Ramos, an internationally recognized sculptor known for his dynamic American Indian figures. A Cattlemen’s barbecue and a no-host bar is offered both days. Friday-next Sunday. Free admission (barbecue $10, wine and hors d’oeuvres reception $20). www. cattlemenswesternartshow.com. (805) 801-3791. -- Easter break at the Boardwalk: Fans of classic roller coasters, dark rides and arcade games will be glad to know the Santa Cruz Beach Boardwalk moves to a daily schedule for two weeks before and after Easter, including the park’s first-ever Battle of the Bands. Fans of hometown rocker James Durbin, who released his first album in November after acquitting himself admirably on “American Idol,” will give a free concert May 19 to kick off the Boardwalk’s summer season. Saturday-April 15; Battle of the Bands April 5. (831) 423-5590. www.beachboardwalk.com.

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


JACKSONVILLE FLORIDA EDITION

| JULY 2012

37


:: TRAVEL DESTINATIONS | featured section

San Francisco From Fisherman’s Wharf To Alcatraz

A abundance of history, dining and entertainment.

T

here’s something for everyone at Fisherman’s Wharf: food, views, history, family fun and more. A food lover’s haven, Fisherman’s Wharf boasts some of the best dining in the world. Salivate over fresh Dungeness crab served steaming hote at outdoor stands or in a variety of gourmet recipes at the Wharf’s many seafood restaurants. Smell the fresh sourdough bread baking. Savor some locally made chocolate. The Wharf’s eclectic mix of international cuisine is sure to make a hit with your taste buds. We guarantee it. Bon appetite! More Fisherman’s Wharf Restaurants, Crab Stands, Cafes and Casual Dining Information During the day, street performers are here to tirelessly entertain you: magicians, mimes, musicians, jugglers, clowns and fire-eaters take pride in their efforts to make you feel welcome at Fisherman’s Wharf. At night the wharf offers live music, theater, dancing, comedy clubs and much more. More Wharf Nightlife Information Over the course of its history Alcatraz – known as The Rock – has been a Civil War fortress, infamous federal prison, bird sanctuary, the first lighthouse on the West 38

JULY 2012 |

Coast, and the birthplace of the Native American Red Power movement. Today, more than a million people come to Alcatraz each year to learn about the island’s human history and to see its birds, tide pools and gardens. You can see easily see The Rock from anywhere along the Wharf’s shoreline. Numerous cruises take you around and to the island. More Alcatraz and Bay Cruise Information San Francisco is one of few places in the world where people can ride on a national historic landmark. Refurbished and equipped with new tracks, cables, turntables and cable propulsion machinery, San Francisco’s famed cable cards operate much as they did on August 2, 1873 when Andrew S. Hallidie guided the first car down the Clay Street grade. Two of the three cable car lines stop in Fisherman’s Wharf. Catch the Powell-Mason line at Taylor St. and Bay St., or the Powell-Hyde line at Hyde St. and Beach St.

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


Adveristers Index

A Coin & Stamp Galler Inc..................................................4 A Unique Entertainment....................................................17 AC Lanier Heating and Air................................................25 A-1 Modern Upholstery.....................................................18 Able Detailing....................................................................10 Backwater Fishing.............................................................24 Bennett Power Supply........................................................14 CC Underwood Keller Willams..........................Back Cover Cool Change Heating and Air............................................15 Crawford Electric...............................................................16 Douglas Oberdorfer P.A.....................................................31 Ecosway.............................................................................32 Exquisite Makeup by Andrea.............................................19 First Coast Tree Surgeons....................................................9 GATS Construction............................................................11 Goode’s Cleaning Inc.........................................................20 Hammond Air Conditioning................... Inside Front Cover Holly Gordon Photography................................................27 Jill Chappand Watson Realty.............................................30 Lainier Enterprise Handman..............................................13 Liles, Gavin and George, P.A.............................................30 Marions of Mandarin Wig Boutique..................................20 Mary Kay Cosmetics..........................................................19 Massage Therapy by Triwan................................................5 Parties in Motion................................................................22 Pastor Spanky....................................................................19 RJ Entertainment................................................................21 Sandys Shimmery Shoulders.............................................20 Sara Polson Photography...................................................24 Sikes and Stowe Downtown Collision...............................39 Sun Services.......................................................................16 Team JP Landscaping.........................................................12 The Martin Agency............................................................33 Tranquil Tiki......................................................................13 Transformation Staging and Redesign...............................13 Turf Techs Ground Maintenance.........................................7 TYP Construction..............................................................16 Windermere Travel............................................................37 Zellner Insurance...............................................................28

:: SCAVENGER HUNT win $500! 1. What company handles everything from “adoption to estate planning”? 2. In which ad will you find a Penguin wearing a tool belt? 3. Which ad showcases the Main Street Bridge? 4. Did anybody see any underwater football in the magazine? Where? 5. Where can you Relax your mind body and muscles? 6. In which ad did it say they provide “energy work”? (for extra credit, what is that?) 7. Who poses the age old question, “to bead or not to bead”? 8. Who is currently looking in Jacksonville for “unique talent”? 9. Who was nominated for 2008 small business leader of the year? 10. In what ad will you see Bill, George, and Marilyn? (kind of) Please submit answers to: sales@hcmark.com Be sure to include your name and valid phone number!

JACKSONVILLE FLORIDA EDITION

| JULY 2012

39


40

JULY 2012 |

FOR ADVERTISING OPPORTUNTIES PLEASE CALL 888-454-0449


Leisure Lifestyle