P2-Tesoro Living Including Southbend-Vol.557

Aquaman Water Treatment System is happy to offer a 5% discount to seniors and veterans. Hours of operation are Monday-Friday from 7:30AM-6:00PM and Saturday-Sunday by appointment. 24-hour emergency service is also available when needed. For more information, call (561) 248-0171 or (772) 812-2810, or visit aquamanwatersystems.com

Calls were immediately returned. Explanations of products and services were always provided Could not have been better! Ron C.

Miles is fabulous. Explains everything and keeps you informed of every step of the process. Very pleased. Would hire again in a heartbeat. We got our install within a week of having him come look at our space for the water softener. Thank you so much Miles. Aquaman is #1. Peggy S.

Fast to respond. Fast to return calls. Super informative. Great customer service. We will continue to use them. Highly recommend. One of the other companies didn’t even respond and the second one never showed for an estimate. Michelle M.

MY LIVING CONTENTS - ZONE P

AUTOMOTIVE

All Approved Autoworks 36

Busbin Automotive 18

Final Frontier Tires 72

Priority 1 Powersports 30

Rocky’s Auto Repair 38

TruckMax-Ft.Pierce.................................. 27

Uncle Tony’s U-Pull-It 59

BEAUTY

A and J Nails ............................................ 44

Azul Azul Salon 59

Hand & Stone Massage & Facial Spa ...... 46

CLEANING SERVICES

360 Pressure Cleaning 54

Absolute Cleaning Service ....................... 34

Aquatic Power Washing Services LLC 20

Magic Bubbles Pressure Cleaning ........... 66

Morning Star Cleaning Service 24

Stanley Steemer ...................................... 11

DINING & ENTERTAINMENT

Castrogiovanni Sweet Basil 20

Estella’s Pizzeria ...................................... 23

Mrs. Peter’s Smokehouse 23

Pistachio’s Ice Cream .............................. 23

Recovery Sports Bar 21

The Great Greek Mediterranean Grill ....... 22

The Talk House 21

FUNERAL HOMES & CREMATION

Bell’s Funeral Home ................................. 42

Rolling Oaks Cemetery 28

HOME IMPROVEMENT

A Great Fence LLC ................................... 13

Accent Garage Doors 60

Affordable and Superior Painting.............34

Alliance Air Group 78

Alliance Group Roo ng ............................ 79

American Kitchens and Stones 32

Apex Painting Solutions ........................... 44

Apex Pavers and Pools 73

ARC Welding and Fabrication...................28

Artistic Closets 11

Attic Stair Pro .......................................... 18

Baron Roo ng 35

Benjamin Franklin Plumbing....................31

Big Sky Services 71

Brilliant Roo ng ....................................... 24

Brite Concepts Window and Sliding Door Repair ........................................... 26

Brother’s Gutters Treasure Coast 18

Choice Roo ng of Florida.........................75

Closets By Design 14

Coastal Flooring ....................................... 79

Color Restoration 42

Complete Sliding Doors 39

D and D Garage Doors 39

Dan’s Fan City 29

Diamond Quality Roo ng 59

Du-All Plumbing 55

E-Z Flooring and Granite .......................... 75

East Coast Electric Screening 60

Elite Home ............................................... 28

Entry Point 17

First Impression Doors and More ............ 12

Florida Tint 61

Floridian Kitchens .................................... 56

FoxHaven Roo ng 48

Frank Cleaner Service and Paver Repair 26

Freedom Air & Heat ................................. 69

Generator Supercenter of the Palm Beaches ............................. 33

Home Improvement by MG Garcia 32

IMA Irrigation ........................................... 72

IMA Landscaping 46

Impact Experts ......................................... 34

J Guerne Landscape 50

Jay’s Floors and More ....................... 40-41

JB Roo ng 52

Kamrell Windows and Doors .................... 70

Kitchen Liquidators 68

Kurbing.Com ............................................ 35

Marzo Roo ng Inc 29

Max Guard Hurricane Enclosures ...... 62-63

Max Guard Hurricane Windows 64-65

Mighty Duct Specialists ........................... 50

Mr. Rooter Plumbing 51

Oasis Brick Pavers ................................... 30

One Stop Cabinet Shop 60

One Week Bath Florida Frameless ........... 52

OX Floor Coating 19

P and S Seamless Gutters ....................... 66

Panariello Brothers 20

Paradise Pools ......................................... 67

Pioneer Plumbing 27

Plantation Shutters Florida ...................... 58

Pride Air Conditioning 3 Quality Air of America .............................. 15

RJA Siding Inc 26

RK Services Painting ............................... 38

Ryan Brody Painting 75

Shoreline Roo ng and Repair .................. 45

Solar Energy Systems 49

Stott Brothers Electric ............................. 61

TC Appliance Sales 50

Tracy D Steele Air Conditioning................ 74

Treasure Coast Aluminum Products 48

Treasure Coast Roo ng ............................ 70

Triple M Brick Pavers 38

TrueLink Smart Home .............................. 49

Wholesale Mulch LLC 71

Window and Door Storm Protection 43

INSURANCE & BENEFITS

American Senior Health Services of the T.C. Inc 36

Great Florida Insurance ........................... 53

Ocean Point Claims 78

Renee Allen Insurance ............................. 48

Stellar Public Adjusting 72

MEDICAL & HEALTH

A’s Progressive Dental ............................. 29

Dentistry By Design 22

Dr. Tred J. Rissacher ................................ 56

Elite Health & Wellness 27

Goals Weight Loss....................................32

Healthy Smiles Dental 37

Lucie Dental ............................................. 10

Med Leaf LLC 35

MMJ Health ............................................. 16

Nutrition Smart-PSL.................................66

Schmidt’s Optical ................................... 6-7

Senior Solutions 39

Trilogy Medicinal – Medical Marijuana Cards 21

PROFESSIONAL SERVICES

All Dry USA ................................................ 2

Commodore Tech Services 68

Dryer Vent Cleaner, The ............................ 37

Evict A Bug 30

Keaney Financial Services ....................... 25

LSS Bookkeeping and Accounting 30

Marine Acquiring Gear Again LLC ............ 67

Momma B’s Monograms 52

My Stack Box Storage ............................. 47

Pristine Appliance Repair LLC 46

Q’s Dryer Vent Cleaning ........................... 61

Solution One Inspectors 68

Spotless By Mari ...................................... 44

The Estate, Trust & Elder Law Firm,PL 67

Wet Out Restoration ................................. 43

FTX: A Crypto Nightmare

By: Emmelis Keaney

If it sounds too good to be true, it may still be true…except for cryptocurrency exchanges. By now you’re somewhat familiar with the name FTX and have heard of their recent insolvency. All due to highly speculative transactions created from thin air, that everyone fell in love with as quickly as FTX fell apart.

What is FTX?

FTX is (was) an exchange where investors can trade cryptocurrencies and crypto derivatives. It is somewhat similar to the New York Stock Exchange (NYSE), the biggest di erence is what it trades. e NYSE and other regulated exchanges, investors trade stake in companies in the form of stock. But cryptocurrencies do not represent ownership in a company- or anything really.

Cryptocurrency, while widely asserted as a coin, is a token of perceived value. Remember when you used to go to the arcade and exchanged dollars for tokens that you could use on the di erent machines? Well, while a very simplistic analogy, that’s basically what cryptocurrencies are.

ey’re NOT money, as people mistakenly want to believe. To be considered money or a currency it has to meet 3 functions: must be a medium of exchange (✔), has to function as a unit of account – meaning it is a monetary unit of measurement- (X) and is a good store of value (✔). is is where the problem starts. If you had not noticed yet, then FTX’s insolvency must have made it reasonably clear to you that the value of cryptocurrencies uctuates as much as the weather in Florida. Most currencies have long term relative stability of their value – a $1 bill is expected to be worth $1 in 20 years’ time, for example. e price volatility of cryptocurrencies moves in sporadic and random form, constantly. is creates speculatory pressures that aim to take advantage of price volatility (and investors). FTX knew that.

When Satoshi Nakamoto released the ‘Bitcoin Whitepaper’, he aimed to develop a future decentralized digital currency that could function as money, without intending to replace at currencies necessarily. e keyword here is decentralized, which means no intermediaries and no centralized administration. Exactly the opposite of what exchanges do.

FTX took advantage of speculators and unsophisticated investors and lured them into placing transactions that defeat the primary purpose of what Satoshi set out to do in the rst place, with the peer-2-peer network. e price of Bitcoin along with Ethereum and other cryptocurrencies have been free falling, and other crypto related companies such as BlockFi and Bitfront are shutting down.

It’s a shame how easy it can be for fraudsters to deceive the public. Now more than ever, let this be a warning on the importance of nancial literacy and seeking sound nancial advice.

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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

NEW PATIENTS ONLY. With this coupon.

Not valid with other offers or prior purchases. Cannot be combined with insurance.Patient must have consultation with Doctor and be qualifying candidate. Expires 2-10-23.

Jessica

“Best dentist of ce I’ve ever been to. Dentist has an awesome personality and does very good work and is very reassuring and explains what he is doing. I’ve never felt more comfortable. He xed my broken front tooth and made me smile again. He’s amazing! And the staff and dental assistant are all awesome.”

NEW PATIENTS ONLY. With this coupon.

Not valid with other offers or prior purchases. Cannot be combined with insurance.Patient must have consultation with Doctor and be qualifying candidate. Expires 2-10-23.

NEW PATIENTS ONLY. With this coupon.

Not valid with other offers or prior purchases. Cannot be combined with insurance.Patient must have consultation with Doctor and be qualifying candidate. Expires 2-10-23.

NEW PATIENTS ONLY. With this coupon.

Not valid with other offers or prior purchases. Cannot be combined with insurance.Patient must have consultation with Doctor and be qualifying candidate. Expires 2-10-23.

Google Healthy Smiles Dental to read their excellent reviews

The patient and any other person responsible for payment has a right to refuse to pay, cancel payment, or be reimbursed for payment for any other service, examination, or treatment, that is performed as a result of and within 72 hours of responding to the advertisement for the free, discounted fee, or reduced fee service, examination, or treatment.

NEW PATIENTS ONLY. With this coupon.

Not valid with other offers or prior purchases. Cannot be combined with insurance.Patient must have consultation with Doctor and be qualifying candidate. Expires 2-10-23.

Ihad a nice Christmas treat today, compliments of a woman in the Hospice ri Store in Stuart. I had just come from an appointment at a shared parking lot from the store, and decided to meander in to see what goodies I might need. e thri store has three adjoining rooms, each open to the other, so it was quite easy to overhear conversation in the second room even though I was in the room before. It was apparent that one of the workers addressed a woman she knew very well, because she called out her rst name. e shopper, who I will call “Jenn” replied to the greeting very loudly, and at rst, I thought she might have either been inebriated or hard of hearing, but as the conversation progressed, I realized this was a woman with some sort of handicap, who must o en shop in this store, and seemed so delighted that she had the opportunity to be part of the conversation. I had to know who she was, and what her story was. I waited until the store clerk exited, and quietly walked into the second room.

She was perfect, in a sort of imperfect way, but I instantly wanted to speak to her. She was dressed nicely, but not necessarily fashionably, and her blonde hair was coi ed in a style le over from another era. Her posture was stooped, her neck jutting forward, her pocketbook clutched

carefully to her side with one hand, while she picked up each object on the shelf with the other. She was completely engrossed in her happiness, and had no idea I was wandering the aisles just to get a glimpse of this woman who immediately stole my heart. She might have been thirty, or y, or older. She was timeless. Her delight in shopping was written all over her face. Her hand gracefully caressed each object, until it was put back carefully in its place. It became apparent when I caught a glimpse of her face, that she was a child in a grown up body. She had Down’s Syndrome, but apparently was quite capable of wandering around the shop alone. She was independent but innocent, adult but childlike. I loved her.

I couldn’t help myself. I came up next to her and said hello. She was delighted to make a new friend and show me all the items on the shelves. She said she was hoping that she might get one or two of the items for Christmas, if she wished really hard. She seemed especially fond of a little ceramic brown and white dog gurine, and explained that she had always wanted a dog, but the home in which she lived didn’t allow one. She spoke clearly, but hesitantly, choosing each word carefully. Her smile lit up her entire face. When she moved on to the third room, I quickly picked up the ceramic dog and took it

Dr. Melfi, Ph.D.

to the cashier, asking her to wrap it up as a Christmas gi from a new friend. She knew exactly who I was speaking about, and said this girl/woman comes almost every day, just to spend a few hours. She said most people don’t take the time to get to know her, but those who do, remember her by her beautiful smile and open heart.

For What it’s Worth she is the best Christmas present I will get this year, and I am thankful I was able to meet this angel. I rarely go into the Hospice ri Store, but I am going to make it my stop every time I’m in the area. I hope she has a wonderful holiday, because she certainly made mine. Happy holidays everyone!

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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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