TRADITION NORTH L1

The Treasure Coast’s and Martin County’s #1 direct mail and multimedia marketing company, My Living Media o ers the best opportunities for business owners to connect with their communities! For 47 years, My Living Media’s premier Living Magazines have been a trusted publication for hundreds of thousands of loyal readers across Southeastern Florida to nd everything from local home improvement and medical services to neighborhood restaurants and real estate opportunities. As a result, My Living Media is the go-to resource for both Treasure Coast and Palm Beach County residents to shop local… and save money!

Of course, every business has a story. Why not tell yours?

My Living Media’s leading editorial and advertorial opportunities within the Living Magazines allow you to attract even more people to your business as you separate yourself from the competition. Let your local communities know what makes you so special! Our advertisers already have extraordinary ROI… imagine how a wellwritten and beautifullydesigned 2-page spread boosts that response. Better yet, call us! We’ll be happy to share our success stories with you.

campaign. As a locally-owned and operated multimedia marketing company, My Living Media prides itself on providing our advertisers with comprehensive, competitivelypriced solutions to connect with their communities. To deliver this value, My Living Media o ers free digital, mobile, and social media marketing posts and pages for each and every one of our direct mail clients to reach countless South Florida residents beyond our circulation areas. We love small, local, and family-owned businesses… your success is our passion!

Every two weeks, My Living Media direct mails over 100 unique, glossy-print magazines to a uent homeowners in highly-targeted communities within 5 counties: Martin, St. Lucie, Indian River, Okeechobee, and Palm Beach. We also o er select magazines on racks at popular public locations in Vero Beach and Okeechobee counties. In total, My Living Media reaches over 350,000 homes on the Treasure Coast and in Palm Beach County Bi-Weekly!

In addition to the beloved Living Magazines, My Living Media designs, prints, and direct mails glossy postcards and insert yers & menus. With these high-quality print products, your business can target speci c zip codes on the Treasure Coast and in Palm Beach County every two weeks. Reach the right clientele at exactly the right time!

My Living Media’s digital, social, and mobile marketing opportunities are the perfect complement to your marketing

MY LIVING CONTENTS - ZONE L

WINDOW LEARNING CENTER

- Peter Bulger, Owner

e Patient Investor

My mother was a very patient person. She raised four boys. At one point in her life, she had newborn twins, a 17-month-old, and a 7-year-old. I still to this day do not know how she did it, but I know patience was a virtue that she practiced daily throughout my childhood and probably a good part of my adulthood. She passed away six years ago April 16, and not a day goes by that she is not still a part of my life. Being patient is something we as human beings need to practice more. It seems like everyone wants instant grati cation in life, whereas the patient person tends to reap more of the rewards life brings.

Investing takes patience. Investing is a long-term prospect. It can take years to bene t from an investment, whether it be stocks, bonds, or real estate. In my twenty-eight-year career, the one virtue the successful investor seems to always portray is patience. e Patient investor does not let the emotions of fear and greed drive their investment decisions. ey use a disciplined approach and rarely overthink current market situations. ey understand that not all their investments will appreciate or depreciate at the same time. If all your investments move in the same direction at the same time, this is not a diversi ed portfolio. ey realize that just because one of their investments is performing poorly in the short term, it is not an indication of the value that can be created over the future years. Short-term volatility is not a long-term indicator. e patient investor accepts short-term volatility as an opportunity.

e opportunity when markets are volatile can come from buying or selling an investment. When markets or individual investments become over-bought or over-sold, it is usually an opportunity for the long-term, patient investor to take advantage of mispriced investments. Investments get mispriced quite o en. On average the stock market has a correction every 18 months. Corrections are de ned as a decline

of ten percent, but not more than twenty percent. On the other hand, markets do have long bull runs that can make stocks look expensive. e question is how does the non-patient investor handle these situations? Typically, the non-patient investor buys towards the end of the bull run and sells at the bottom of the correction. e patient investor does the opposite, because the patient investor practices a disciplined approach and reduces the risk of his or her portfolio when the market looks overvalued and adds it when the market is undervalued. ere is nothing wrong with selling part of one of your successful investments if it becomes too much of your portfolio. is is how wealth is made and more importantly kept.

It is di cult to get to the top of the mountain. It is even more di cult to stay there. We prefer getting there and staying there by utilizing a patient and disciplined approach no matter what the market is doing in the short-term.

ACE of Carts Unveils State-of-the-Art Location

e agship location of ACE of Carts has recently undergone extensive renovations, marking a signi cant upgrade to its facilities and services. At the heart of this transformation is the new 3,500 square-foot, revolutionary service facility, a testament to the company’s commitment to providing industry-leading repair services.

is facility is equipped with the latest tools and technologies to ensure that every golf cart receives the best possible service.

Complementing the service are is the newly remodeled 4,000 square-foot showroom. is air-conditioned space o ers customers a comfortable and inviting environment to explore the wide range of products ACE of Carts has to o er. e showroom’s spacious design and modern aesthetics highlight the company’s dedication to creating a rst-class shopping experience.

A standout feature of ACE of Carts is their impressive selection of in-stock OEM parts. is extensive inventory ensures that customers have access to high-quality, genuine parts for their golf carts, contributing to the longevity and performance of their vehicles.

ACE of Carts boasts the area’s largest selection of new and used golf cart

inventory. ey cater to a wide range of preferences and budgets, ensuring every customer can nd a golf cart that suits their needs. Customers have plenty of options, whether it’s a brand-new model with the latest features or a wellmaintained used cart.

In a bold move to stand out in a competitive market, ACE of Carts has also announced that they will beat any advertised price. is price match guarantee re ects the company’s con dence in its pricing strategy and its dedication to o ering customers the best value for their money.

Overall, the renovations at the agship location of ACE of Carts demonstrate the company’s pledge to growth and continuous improvement. With a state-ofthe-art service facility, a modern and comfortable showroom, a comprehensive selection of OEM parts, and an unmatched inventory of golf carts, ACE of Carts is poised to rede ne the standards of customer service and satisfaction in the golf cart industry.

e NEW Ace of Carts in Tequesta is located at 552 US Highway N. NOW OPEN Mondays-Fridays from 10AM to 5PM

Ace of Carts in Stuart is located at 4880 SE Federal Highway.

Ace of Carts in Daytona Beach is located at 2674 LPGA Boulevard.

Ace of Carts in Ormond Beach is located at 265 Rosewood Ave

For What It’s Worth by L.E. Murphy

So, like the rest of you, I’m more than a little discouraged about the cost of, well, let’s say, everything! I can begin with food prices, because we all have to eat. What used to be a somewhat pleasant experience to go food shopping has become an event that feels like post traumatic stress. Regardless of what we buy, the prices are ridiculous. Even what used to be the “cheap” meat back several years ago, chicken (sorry chickens, I don’t mean to call you cheap) has gone nuts. If you want to x a nutritious meal for your family, you might as well grow your own vegetables and raise your own farm animals because anything else is going to break the bank. I understand there are things beyond everyone’s control, like bad weather for the farmers, bird u for the eggs, and even mad cow disease (that’s a real thing!) but the simpli ed version for let’s say growing fruit and vegetables are dirt, water and seeds. I admit I have never grown anything edible so I might be obase, but we have to come up with a better solution unless everyone just wants to just pig-out on pasta, fastfood and chips. Someone please write in and tell me a good solution and I promise I’ll publish it! My children are grown, but I can’t imagine how a family of four, ve or six can eat on most people’s weekly wages. Are children just eating junk food, or are parents sacri cing

their good nutrition so that their children can get the vitamins and minerals they need?

ose of you who have read my column for years now, know that I know nothing about healthy eating, but even I know that it is impossible to a ord to eat healthy anymore. How are our elderly, who rely on assistance, getting what they need? Are they hungry? Are they substituting food so they can a ord medicine? And what about pets? Are they hungry? Are they getting table scraps instead of food made with the nutrients that pets need. I’m not on top of the whole food chain thing, but can anyone help? Is it that there is not enough farm land, not enough cattle, not enough chickens, or not enough workers? Somewhere things have gotten away from us, and I’d like to know where things have gone wrong. Again, if any of you can tell me, I’ll be more than happy to pass it along in my column. Please don’t send anything political. at’s another conundrum which I avoid like the plague.

And please don’t think I have put the Cleveland Clinic thing to rest. I’m still waiting and watching, listening and hoping, and at some point, I’ll pass on the updates, good or bad.

As for me, I would like to thank those of you who have purchased my book, Dream Me Home, and

read it. Your reviews have been very helpful on Amazon Books, and I’m crossing my ngers (and toes) that I might be able to get a limited television series, but you know, like everything else, that takes time and money. I do have a sequel to Dream Me Home in the works, so if you haven’t read the rst one yet, I would really love it if you would order a copy. e more people who order my book, the more chance I have to get the attention of those in charge of making things happen. Ahh, I know I’m a dreamer, but what can I say?…without dreams what do we have, really?

For What It’s Worth, I wish you a pleasant spring and if you’re going back to your home state, a safe journey. For those of us who live here, I’m putting in my request for a short summer, light hurricane season, no bugs and low humidity!!!

Wow, I’ve asked for a lot! Sorry to be so needy!!

Commercial & Residential 24 Point Tune-up

• Check thermostat operation.

• Clean lter (Washable Filters Only).

• Check system temperature split.

• Refrigerant check.

• Inspect disconnect.

• Inspect fuses and wiring.

• Inspect drier lter.

• Tighten electrical connections.

• Inspect contractors and relays.

• Check voltage and amperage to all motors.

• Compressor check, amp draw and connections.

• Inspect indoor blower motor and housing.

• Inspect condenser motor.

• Inspect condensate drain.

• Add algaecide tablets to drain pan.

• Inspect condenser and evaporator coil.

• Inspect plenum seal at unit and secure panel.

• Visual leak check. No nitrogen testing.

• Run and test system.

• Clean drain line.*

• Up to 1-pound of R-410 refrigerant.

• Check capacitor.

• Inspect low voltage wire.

Palladium® Multi-Year Guarantee (MYG)

Single Premium Fixed Deferred Annuity

Guarantee Periods

3-Year 5-Year 6-Year 7-Year 8-Year 9-Year 10-Year

The Interest Rate Guarantee Periods listed above are subject to availability. Your agent can confirm which Interest Rate Guarantee Periods are currently available.

The Interest Rate Guarantee Periods listed above are subject to availability. Your agent can confirm which Interest Rate Guarantee Periods are currently available.

• Tax-Deferred Growth

• 10% of the annuity value can be withdrawn1 each year, with no surrender charge or market value adjustment

• Tax-Deferred Growth

• All funds can be withdrawn without penalty during a special 30-day window after the end of the initial guarantee period

• 10% of the annuity value can be withdrawn1 each year, with no surrender charge or market value adjustment.2

• Following the interest rate guarantee period, interest will be credited at a rate determined by the company annually, at each contract anniversary.

• All funds can be withdrawn without penalty during a special 30-day window after the end of the initial guarantee period.3

• The interest rate will never be less than the minimum guaranteed interest rate as specified in the contract.

• Following the interest rate guarantee period, interest will be credited at a rate determined by the company annually, at each contract anniversary.

• The interest rate will never be less than the minimum guaranteed interest rate as specified in the contract.

Rates effective as of 4/1/2024. Rate subject to change for new issues at any time. All interest rates are declared as annual effective rates of interest. Interest is credited to your annuity daily on a compound basis assuming a 365 day year. Any withdrawals including interest only withdrawals will reduce the amount of interest credit to your contract. 1) For withdrawals prior to age 59½, a 10% federal tax penalty may apply. 2) Within 30 days of the end of the initial guarantee period, the client may surrender the contract without incurring any surrender or MVA (market value adjustment) charges. 3) Within 30 days of the end of the initial guarantee period, the client may surrender the contract without incurring any surrender or MVA (market value adjustment) charges. Form Series: MYG20; AI20 (Forms may vary by state). CA Form: MYG16(04). Neither American National nor its agents give legal or tax advice.

American National Insurance Company

Please consult your tax advisor or attorney on your specific situation. American National Insurance Company, Galveston, Texas.

5/30/23 American Residential Services of Florida, Inc, #: CMC1249753, CAC1813963, CFC1428283, EC13008558

PUZZLE

CROSSWORD

CLUES ACROSS

1. Island nation

7. Platforms

13. Project plan

14. French shing port

16. South Dakota

17. Oakland’s baseball team

19. Military policeman

20. Ornamental stone

22. Garland

23. Process that produces ammonia

25. Mousses

26. Music notation “dal __”

28. Fail to win

29. Peyton’s little brother

30. Not near

31. Some cars still need it

33. Lizard genus

34. An idiot (Brit.)

36. Postponed

38. African country

40. Gazes unpleasantly

41. In a way, traveled

43. Ukraine’s capital

44. Appropriate

45. Dash

47. Twitch

48. Swiss river

51. Data le with computer animations

53. City in S. Korea

55. Particular region

56. They have eyes and noses

58. Tear

59. Large Madagascan lemur

60. Not out

61. Ornamental saddle covering

64. A driver’s license is one

65. Latin term for charity

67. Rechristens

69. Objects from an earlier time

70. Hindu male religious teachers

CLUES DOWN

1. Used as a weapon

2. Yukon Territory

3. Makes a map of

4. An established ceremony prescribed by a religion

5. Unnilhexium

6. Merchant

7. Playing the eld

8. Folk singer DiFranco

9. Something to scratch

10. Mexican agave

11. Equal to one quintillion

bytes

12. Session

13. North American people

15. Ranches

18. Electroencephalograph

21. A type of compound

24. Avenue

26. High schoolers’ test

27. A type of meal

30. Gradually disappeared

32. Ancient Frankish law code

35. Popular pickup truck

37. Buzzing insect

38. Deal illegally

39. Lying in the same plane

42. Obstruct

43. Related

46. Challenge aggressively

47. Nocturnal hoofed animals

49. Bird’s nests

50. Forays

52. __ B. de Mille, lmmaker

54. Title of respect

55. One-time name of Vietnam

57. Self-immolation by re ritual

59. Private school in New York

62. Political action committee

63. A way to fashion

66. Email reply

68. “The Great Lake State”

SUDOKU PUZZLE

CUSTOM CLOSET SYSTEMS & HOME CABINETRY

By Gabby Gregory

Everything Within Reach

When you’re cooking or baking in your kitchen, naturally, you need to gather the materials to follow your recipe. But, o entimes, it can be quite the hassle to collect a necessary kitchen tool that’s been tucked away into the voids of the shelves within a cabinet or cupboard. Suddenly, you nd yourself being forced to bend, squat, or otherwise contort your body into an awkward and/ or uncomfortable position just to be able to reach a mixing bowl, a cookie sheet, or your favorite mug. If you’re a person who su ers from arthritis, back pain, mobility, etc., then you especially understand the challenge it can be just to access basic necessities in your kitchen, not to mention other storage areas in your home. Let’s face it– these spaces aren’t always designed with functionality in mind. ShelfGenie of West Palm Beach has the perfect solution for you, whether you’re living in an existing

home or you’re in the process of building a dream one.

e Perfect Solution

ShelfGenie’s custom pull-out shelves for your new or existing cabinets truly make your wishes come true when it comes to not only perfectly arranging your space, but also vastly improving your quality of life. As the local owner of ShelfGenie of West Palm Beach – Bret Chevrier – explains, “ShelfGenie isn’t just an organizational solution, but an access one.” Indeed, it is not uncommon for Bret and his team to get hugs from clients with mobility and pain issues because they are so thankful that they can nally reach their possessions without having to struggle or su er. One 5-star Google review of the business a rms, “My kitchen is now complete! Now everything is easy to access, no having to practically crawl to the back of the cabinets, just pull out the shelf and it’s there in easy reach.” Another reviewer highly recommends the ShelfGenie of West Palm Beach, saying, “ ey were very helpful and thorough. It was installed with expertise and is a wonderful option to be able to pull drawers out to nd pots and pans instead of getting down on the oor to dive into the back recesses of a deep cupboard.”

Customized Cabinets

Everyone has their own unique lifestyle, so everyone has their own preferences and necessities. us, when it comes to creating your ideal storage space, the designers and installers at ShelfGenie are dedicated to addressing all of your wants and needs. During your free,

no-obligation design consultation, the expert team at ShelfGenie will ask the right questions and carefully listen to your responses to come up with your customized solution. From there, the professional ShelfGenie installers will make your vision come to life. “Had a great experience with the everyone and with every step of the process. Professional and friendly experts came and explained the process, made wonderful suggestions and answered all of my questions. Would recommend this company without hesitation,” endorses a recent ShelfGenie client.

Everything Within Reach

With ShelfGenie, everything you need is right within reach. No more struggling to get your things! As owner Bret emphasizes, “ is is something that literally

is going to make your everyday, the things you do every day – the cooking, the cleaning, the food prep – it's going to make that better every day, for the rest of your life. is product will actually work for you and make it easier for you.” He continues, saying ShelfGenie “really allows some people to stay in their homes longer. A lot of people who enjoy baking but have had a back issue are now able to access their mixer again… I think the best way to describe it is that it takes things that are painful and frustrating and it makes them enjoyable again.” Do your body and your sanity a favor – call the experienced,

knowledgeable, and, most importantly, caring team at ShelfGenie to schedule a complimentary design consultation and discover your customized cabinet solution.

ShelfGenie of West Palm Beach serves clients from Melbourne to Boca Raton. For more information or to schedule your FREE DESIGN CONSULTATION, call 772-244-3557 or