P1-Sandpiper Living-Vol.556

Closet Designs to Fit Your Style and Budget

A closet is more than a place to stow your suits and sweaters… it’s the place where you prepare for the day ahead and where you begin to undress and unwind at the end of the night! So it should be a soothing space, one that doesn’t add to your stress.

The spacious walk-in closets from Closets by Design of the Palm Beaches and Treasure Coast allow you to dress and undress in style while your clothing and accessories are neatly displayed within easy reach. There’s no clutter or chaos, just expert craftsmanship and aesthetically-pleasing design; and, it can all be achieved within your budget!

Closets by Design of the Palm Beaches and Treasure Coast is passionate about maximizing home storage without affecting the beauty of your interior. They design, build, and install custom reach-in closets, walk-in closets, and kids’ closets. Additionally, the company offers custom designs along with production and installation of garage

cabinets, home of ces, laundries, pantries, media centers, hobby rooms, wall beds, wall units, and so much more. Ask Closets by Design of the Palm Beaches and Treasure Coast about their garage wall organizers, garage ooring, work benches, custom jewelry drawers, wine racks, book shelves, cedar paneling and hampers, too… they do it all!

The process starts with the experts at Closets by Design of the Palm Beaches and Treasure Coast measuring your space and itemizing your belongings, then showing you ideas and samples to help you nd a style that’s just right for you. From there, your designer will work with you to custom design your space using dozens of material options and hundreds of features from one of their 4 collections.

Once your designs are exactly the way you want them, your units are custom built using the nest materials from the Closets by Design of the Palm Beaches and Treasure Coast factory. The company then professionally installs everything exactly to the speci cations of your designs from the collection you chose.

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There are four collections to choose from at Closets by Design of the Palm Beaches and Treasure Coast: the Everyday Collection, Classic Collection, Regency Collection, and Brio Collection.

Everyday Collection™

Fresh and modern, the Everyday Collection™ offers a sleek solution for your closet clutter. This design includes 3/4-inch straight-edge panels, adjustable shelves, and half-overlay at face doors. Best of all, it’s available at a price that’s equally as pleasant as its appearance.

Classic Collection™ Combine simplicity and style with the Classic Collection™. It unites essential organization with stylish design to create the practical closet you’ve been looking for. This collection features our exclusive soft edge treatment and half overlay doors and drawers.

Regency Collection™

The Regency Collection™ incorporates 1 1/8”

thick panels with 3/4” shelving for a sophisticated look you’ll love for years. Add tilt-out hampers, islands, and countertops to create a convenient, stylish space that has everything you need.

Brio Collection™

When you’re in the mood for something modern and bold, the Brio Collection™ answers the call. Sleek corners and clean edges surround the system of at-front doors and drawers. Display your carefully curated wardrobe against a clean nish for a timeless look.

Closets by Design of the Palm Beaches and Treasure Coast has been earning a reputation for integrity since 1982. As the industry leader in customer service and innovative home design, their values are rooted in a deep passion for delivering

home transformations that transform lives. So what are you waiting for? Schedule a FREE in-home design consultation and estimate from Closets by Design of the Palm Beaches and Treasure Coast!

Closets by Design of the Palm Beaches and Treasure Coast is open Mondays through Fridays from 8AM-5:30PM. For more information, call 772-207-3265 or visit palmbeach. closetsbydesign.com.

MY LIVING CONTENTS - ZONE P

AUTOMOTIVE

Busbin Automotive 26

Final Frontier Tires ................................... 28

Priority 1 Powersports 26

Rocky’s Auto Repair 70

Total Tire .................................................. 52

TruckMax-Ft.Pierce 44

Uncle Tony’s U-Pull-It 56

BEAUTY

Azul Azul Salon ........................................ 42

Hand & Stone Massage & Facial Spa 11

Reveal Brow and Hair Restoration 60

CLEANING SERVICES

Absolute Cleaning Service 36

Aquatic Power Washing Services LLC ..... 70

Choco’s Carpet Cleaning 72

Honor Carpet............................................ 78

Morning Star Cleaning Service 75

Stanley Steemer 11

The Groutsmith Grout Cleaning................ 59

DINING & ENTERTAINMENT

Castrogiovanni Sweet Basil ..................... 21

Estella’s Pizzeria 22

Mrs. Peter’s Smokehouse 20

Pistachio’s Ice Cream 52

Recovery Sports Bar 23

Red Crab Juicy Seafood ........................... 22

The Great Greek Mediterranean Grill 21

The Talk House 23

FUNERAL HOMES & CREMATION

Bell’s Funeral Home 54

Millennium Cremation Service 62

Rolling Oaks Cemetery 18

HOME IMPROVEMENT

A Great Fence LLC 13

Accent Garage Doors ............................... 69

Affordable and Superior Painting.............56

Alliance Air Group 34

Alliance Group Roo ng ............................ 60

American Kitchens and Stones 63

Apex Builder Contractor Co...................... 27

Apex Painting Solutions 61

Apex Pavers and Pools 73

ARC Welding and Fabrication...................18

Atlantic Doors and More 37

Attic Stair Pro 46

Baron Roo ng .......................................... 33

Benjamin Franklin Plumbing....................29

Brilliant Roo ng 39

Brite Concepts Window and Sliding Door Repair 56

Brother’s Gutters Treasure Coast ............. 46

Choice Roo ng of Florida.........................50

Closets By Design 14

Coastal Flooring 69

Complete Sliding Doors 79

Cool Air Flow Inc 45

D and D Garage Doors ............................. 52

Dan’s Fan City .......................................... 42

Diamond Quality Roo ng ......................... 28

Dom Bella Plumbing 75

Du-All Plumbing 55

Entry Point 35

First Impression Doors and More 16

Frank Cleaner Service and Paver Repair 24

Freedom Air & Heat ................................. 49

Generator Supercenter of the Palm Beaches ............................. 31

Home Improvement by MG Garcia 34

IMA Irrigation 69

IMA Landscaping 59

Impact Experts 71

Jay’s Floors and More 40-41

JB Roo ng ............................................... 20

Kamrell Windows and Doors .................... 63

Kitchen Liquidators .................................. 72

Kurbing.Com 33

Liberty Impact Windows and Doors 68

Marzo Roo ng Inc 36

Max Guard Hurricane Enclosures 64-65

Max Guard Hurricane Windows 66-67

Mighty Duct Specialists ........................... 38

Mister Roof .............................................. 42

Mr. Rooter Plumbing ................................ 51

Oasis Brick Pavers 46

One Week Bath Florida Frameless 44

OX Floor Coating 19

P and S Seamless Gutters 33

Panariello Brothers 48

Paradise Pools ......................................... 24

Peter’s Water Treatment .......................... 79

Pioneer Plumbing .................................... 61

Plantation Shutters Florida 39

Pride Air Conditioning 43

Quality Air of America 17

RJA Siding Inc 32

RK Services Painting 59

Shoreline Roo ng and Repair .................. 57

Shoreline Roo ng Division ....................... 70

Shutter Shop 34

SMC Flooring 30

Solar Energy Systems 38

Southeast General Contractors 58

Stott Brothers Electric 50

Tracy D Steele Air Conditioning 74

Treasure Coast Aluminum Products ......... 75

Treasure Coast Roo ng 68

Tree Trimmers USA .................................. 32

TrueLink Smart Home 60

Wholesale Mulch LLC 63

Window and Door Storm Protection ........ 48

Window World of West Palm Beach 26

INSURANCE & BENEFITS

Great Florida Insurance 47

Ocean Breeze Insurance .......................... 54

Ocean Point Claims 36

Renee Allen Insurance 58

Stellar Public Adjusting............................ 18

MEDICAL & HEALTH

Dentistry By Design 62

Elite Health & Wellness 30

Goals Weight Loss......................................3

Lucie Dental 10

Med Leaf LLC 30

MMJ Health ............................................. 12

New Beginnings Medical 25

Nutrition Smart-PSL.................................61

Schmidt’s Optical 6-7

Senior Solutions 24

Trilogy Medicinal-Medical Marijuana Cards 23

PROFESSIONAL SERVICES

All Dry USA 2

Clocks By Hollis ....................................... 58

Dryer Vent Cleaner, The 71

Evict A Bug 44

Keaney Financial Services ....................... 15

LSS Bookkeeping and Accounting 44

Marine Acquiring Gear Again LLC 48

My Stack Box Storage ............................. 53

Q’s Dryer Vent Cleaning 50

Solution One Inspectors 54

The Estate, Trust & Elder Law Firm,PL 32

Wet Out Restoration ................................. 28

'Tis e Season For e Markets

By: Emmelis Keaney

Though not an exact measure, a 20% stock market drop from the most recent high is what we call a “bear market”. It consists of lows, followed by lower lows, with minor highs that don’t reach the previous high.

e Holiday season quickly approaches and with it comes a lot of typical seasonality elements. e stock market is not oblivious to that. In nance, seasonality of the markets is a technical analysis approach that studies the stock market over a calendar year with the intent to establish predictable patterns. "Tis the season to be jolly"? Maybe.

Retail stores typically show strong numbers following the anksgiving holiday and especially a er Black Friday in the U.S. But when concerns over the economy accelerates, consumer spending tends to contract. Nevertheless, shoppers are expected to spend nearly $1trillion on gi s and holiday items this year.

Americans continue to spend amid in ation being at 8.2%. Enthusiasm over the upcoming holiday season is on the rise. A NASDAQ article from last month suggested that retailers expect consumers to spend the same amount of money this holiday season, but for a lesser number of goods. Yes, that means expect fewer presents, because the items you bought last year, for example, will now cost you at least 8.2% more when adjusted for in ation.

According to Salesforce, 37% of U.S. consumers will begin their shopping early to take advantage of deals prior to prices rising. e Dublin based company Accenture estimated that one-third (35%) of shoppers would stick to a holiday budget.

While all these factors may indeed a ect company revenues (therefore creating a stock price rise or decline), the reality of the holiday seasonal trends in the markets may be more associated to factors such as trading volume than anything else.     All things normal, you may see increased volatility in the stock market as we approach anksgiving, Christmas and New Year’s Eve, as in years prior. ese uctuations can be largely attributed to the fact that the markets are closed on these days, and for half of Black Friday. Investors will try to get their trades in prior to the market close before the holiday and realize their gains and/or losses as they approach the end of the tax year. With the festivities going on, traders also spend less time trading, and more time enjoying other things such as quality time with loved ones, and less time trading. Yes, traders and investors are people too. Overall, the volume of trades is lower than normal during the holiday season.

Trends are not set in stone. 2022 has been year full of unprecedented shi s in the economy and increased uncertainty in the markets. While analysts are expecting volatility to settle down throughout the end of the year, other economic factors, social con ict, and political pressures will play a signi cant role in consumer sentiment.

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Florida

877-287-8089 This article is for informational purposes only, you should not construe any such information or other material as investment advice. You should not make any decision, nancial, investment, trading or otherwise, based on any of the information presented in this article without undertaking independent due diligence and consultation with a professional broker or nancial advisory. Past performance is not indicative of future results.

Emmelis Keaney offers products and services using the following business names: Keaney Financial Services Corp – insurance and nancial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not af liated with Keaney Financial Services Corp.

Representatives of AIC do not provide tax or legal advice. Please consult with your tax advisor or attorney regarding your situation. Trades cannot be communicated to your Representative by e-mail, fax or regular mail as the transaction may not be executed on a timely basis. Please contact your Representative by telephone to request trades and do not use e-mail to send con dential information or time-sensitive instructions. Performance quoted does not guarantee future results. Please refer to your regular periodic statement for complete information. The content of your e-mail is not private as it is subject to review. If you are not the intended recipient and have received this e-mail in error, please contact the sender immediately and delete this material from your computer

Ocean Point Claims Company: We Will Never Leave Your Side

Hurricane season always seems to be right around the corner so, unfortunately, the threat of storms looms over Florida residents. This potential for bad weather can cause stress for property owners. Is their current insurance coverage enough? What if there is a catastrophic loss... will their insurance company hold up its end of the bargain? Well, have no fear, Ocean Point Claims is here!

Ocean Point Claims Company is a residential and commercial damage claim firm that offers a stress-free claims process to get you the maximum settlement for your property loss or damage. Ocean Point Claims is managed by lead public adjuster Eli Goins.

Eli has been in the industry for 17 years, having first worked for multiple insurance companies for 10 years as an Independent Adjuster. After that time, Eli realized he wanted a change, explaining, “I’d rather help the homeowner, because they need help, and I use my [insurance industry] knowledge to do that.”

A Public Adjuster is an Insurance Adjuster who works for the Policyholder, not the insurance company. Eli says, “You need somebody on your side that can prepare all the paperwork and show the insurance company what the damage will cost to repair. The insurance companies have adjusters working in their favor, you should too!” Eli and his six other Public Adjusters are licensed and bonded. They service the entire state of Florida. Currently, Ocean Point has four staff members who serve as administrative support to the Public Adjusters.

Ocean Point Claims Company is certainly on your side throughout the entire claims process! They begin with a free inspection of the damage, a thorough review of your insurance policy, and a consultation about your options. Ocean Point Claims Company has a “no recovery, no fee” policy. Eli says,

By Gina Zuk

“We don’t get paid until you do! Ocean Point’s goal is to get you paid without you having to come out of pocket.”

Ocean Point Claims knows the tactics that insurance companies use to underpay or deny a claim. Their expert team of public adjusters will review your situation to determine the proper strategy for a positive resolution. Additionally, Eli understands the language of insurance policies and affirms, “People don’t realize that the policy excludes some things. They [the insurance company] may give you a limit of $10,000 for property damage, but I can get you $50,000, working from pure experience, really knowing the policies, and thinking outside the box.”

Thinking creatively, documenting thoroughly, and strategizing a solid plan are the processes that set Ocean Point Claims apart from their competitors. Every claim is different, so Ocean Point Claims provides personalized service for their clients from the beginning of the claim until the very end.

Ocean Point Claims likens themselves to “woodpeckers that just don’t stop” because they demand that their clients receive what they are entitled to. “We will make sure that we squeeze all of the juice out of that orange [claim] for our clients,” says Eli.

Ocean Point Claims is a onestop shop that includes Public Adjusting, Appraisal (claim), and Loss Consulting. Their experts have experience with the legal procedures, statutes, and regulatory requirements that can lead to a claims success or failure. The firm also includes access to a network of engineers, roofers, general contractors, architects,

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Eli Goins, Public Adjuster and Claims Expert

and first-party insurance litigation attorneys. In fact, if a case must litigate, then Ocean Point Claims remains very involved in the case as an expert witness. This involvement is why Ocean Point Claims heavily documents a claim from the beginning.

If the time comes to file a claim for residential or business property damage, then Eli advises, “Avoid the tactics of the insurance companies. We call them the ‘3 Ds’ – the insurance companies delay, deny, and defend themselves!”

“Don’t delay filing a claim with your insurance company,” Eli says, adding, “Call us or your insurance company right away... however, if you call us first, we can file the claim for you! We prefer you to call us first so that your claim is documented properly from the start.”

With Ocean Point Claims, there is no minimum claim. “If there is money under that rock, we are going to find it for you,” says Eli.

The professionals at Ocean Point Claims are here for you! They offer a FREE 6-point home inspection and policy review. Let Ocean Point Claims Company focus on your insurance claim so you can focus on life!

Ocean Point Claims Company has satellite locations throughout Florida. Their main office is located at 11706 SE Federal Hwy, Hobe Sound. Their office can be reached 24 hours a day, seven days a week. For more information, call 772-763-6674, email office@oceanpoint.claims, or visit oceanpoint.claims

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