A Community Magazine for the New Tampa Lifestyle DECEMBER 2018
HEALTH | LAWN & GARDEN | FASHION | FINANCE | LIFESTYLE
Cosmetic Dentistry | General Dentistry Sedation Dentistry | Invisalign
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HOME•AUTO•LIFE Since 1981 Agency Owner Steve Barry has been saving Floridian’s money on their insurance needs. We represent over 30 carriers to provide customers with the lowest rates. We are conveniently located off of Bruce B. Downs Blvd. in Wesley Chapel next to Burger Monger in the same plaza as Bonefish and First Watch and have over 50 years of combined experience. As your independent Agent We Shop and You Save!
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Page 2 • DECEMBER 2018
© 2018 Palms Magazine/KEM Media Group, LLC. All rights reserved. Palms Magazine is published monthly and direct mailed free to all residents of Tampa Palms and advertisers. Unless otherwise noted, the views expressed in this publication do not necessarily represent those of the Publisher. Tampa Palms Country Club logo used with permission. Lists are for reference only and do not imply official sanction or recommendation by Tampa Palms. Editorial submissions are welcome. Publisher reserves the right to reject or edit all submissions for length and clarity. The Publisher is not responsible for errors or omissions.
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DECEMBER 2018 • Page 3
|| INTERIOR DESIGN ||
ARE BUILT-INS THE ANSWER?
by firstname.lastname@example.org HOME AND INTERIOR I get asked how to help turn a blank wall into something more stylish and functional. Other times we search for solutions for more kitchen seating and storage. There are a lot of design questions that stump us when we want to incorporate style, organization, and functionality. My favorite solution is built-ins. They are sophisticated solutions for a dramatic transformation. Built-ins are a big win because they enhance your home’s look and they also maximize the potential for a usable area. Built-in options are endless; your imagination should have no limits when dreaming up your perfect built-in feature. There are zero rules. Some of my favorites are the kitchen nook, window bench, and home office elements. KITCHEN BANQUETTE OR NOOK IS LIKE ICING ON A CAKE Built-in seating is one of my favorite ways to transform the heart of the home. Let’s face it, you and your family spend so much time wrapped around the kitchen island or seated at the counter that a
Transform a kitchen island into inviting seating for the whole family.
into what could become your favorite space in the house. THE HOME OFFICE MADE SLEEK An office away from the “real” office should be anything but sterile. A home office gives the homeowner the creative freedom they may not have at work and should inspire hard work, creativity, and relaxation. For one of my clients, I added a gorgeous, masculine grasscloth wallpaper that draws the eye toward the stunning built-in unit made of washed walnut with granite counter top. This wall of cabinets and file cabinets spanning 15 feet are a simple storage solution for eyesore office equipment or files. Built-in desks are like magic. They transform an existing space into one that suddenly seems to have grown without adding on square footage. One room can instantly become a stunning home office for two with plenty of workspaces, storage, and organization. Make it dual and duplicate the design around a window.
This display cabinet and wine storage become the focal point of the room.
AS A DESIGNER, I OFTEN HEAR FROM MY CLIENTS THAT THEY WANT TO BRING MORE ORGANIZATION AND STYLE INTO THEIR LIVING ROOM. custom built-in kitchen nook can both offer traditional comfort seating or added storage in a banquette seat. There are countless options to include built-ins into the kitchen, from the dreamy, timeless L-shaped eat-in kitchen island to window seating that brings with it elegant natural light to every meal right in your own home. DINE IN WITH A BUILT-IN Dining rooms are also perfect spaces to add built-ins. A plain dining room wall can serve as your piece of furniture. The dining room was staged by Home Perfect Design, showcasing the stylish and functional use of built-in display cabinets, wine bar, and custom buffet.
Window cushion seating with bench storage turns a regular wall into multifaceted design and function.
Dog beds and toy storage has never looked more lovable. Photo by PineappleHouse.com.
WHIMSICAL WINDOW BENCH What is not to love about a classic window bench? Dress it up with throw pillows and it becomes a comfortable space that’s hard to leave. Have an electrician wire for side reading lights and design drawers below, now that’s a solution. When I think of window benches, I think of classic, romantic homes where even the smallest detail creates big moments. Seating that frames a window is practical with storage solutions and converts an empty, dull area
You won't miss an old-fashioned filing cabinet with these built-ins for a luxurious home office.
CHARMING SPACE FOR PETS Built-ins go beyond bookcases and storage, they can be delightful units for our beloved pets, too. I love that this homeowner made sure to incorporate their pets when designing a built-in around the fireplace. This inspirational photo showcases plush seating and velvet tufted backing with a neutral curtain to create a glamorous and functional pet bed and toy storage. We frequently hear homeowners ask for pet built-ins because they elevate the space in both practical and aesthetically pleasing ways.
TRADITIONAL BUILT-IN BOOKCASE GETS A MAKEOVER Still, among the most convenient built-ins, HPD client living room with custom built-in media center and bridge. there remains the bookcase. But now we are seeing the common bookcase get a complete makeover. The styles are leaning more rustic and modern to include media cabinets or floating shelving. Gone are the days where we just had a bookcase flanking a fireplace. Designers are adding them to dining rooms or under a bench; options are reaching beyond their namesake, to not only store books, but to breakthrough with stunning craftsmanship. They become themselves a fabulous decorative element in your home.
Have you always dreamed of having a model home? Let Home Perfect Design collaborate with you and make your dream truly a reality. We will transform your life when we reinvent your spaces and help you curate home goods you never thought that you could afford. The client is her world. Design is her passion. Perfection is her mastery. Perfecting homes to sell or dwell™
LAURIE SLATER 813.778.7393 / homeperfectdesign.com Page 4 • DECEMBER 2018
|| LIFESTYLE ||
Holiday Fun PRESENTED BY
Tampa Bay Triple Threat Theatre The Nutcracker Ballet
Saturday, December 1st Shows at 2pm and 6pm This year is an especially exciting season for the story of the Nutcracker as a young new generation will fall in love with this
timeless tale. Make sure your family experiences it live onstage when Tampa Bay Triple Threat Theatre (TBTTT) presents The Nutcracker Ballet. Travel with us to a magical wonderland of a charming childhood storybook fantasy that includes waltzing snowflakes, adorable children, the far away kingdom of sweets, beautiful classical dance, an enchanting Sugar Plum Fairy and her handsome prince. Go to TBTTT.org to purchase tickets or contact Tampa Bay Triple Threat Theatre at 813-969-0240 for more details. USF Theatre 1 - 3839 Holly Drive, Tampa Contact Info: email@example.com or 813-969-0240
Saturday, December 15th Shows at 2pm and 6pm Take a break from the holiday hustle and bustle and bring the family to see Seussical, Jr. on December 15th presented by Tampa Bay Triple Threat Theatre. Join us for a magical experience with some of your favorite characters from the fantastical world of Dr. Seuss. Seussical, Jr. is great fun for the whole family and explores the powers of friendship, loyalty, family, and community. MJPAA Blackbox Theatre - 15906 Mapledale Blvd., Tampa Contact Info: firstname.lastname@example.org or 813-969-0240
Tickets for both shows are available at TBTTT.org/events PALMS MAGAZINE
DECEMBER 2018 â€˘ Page 5
|| HEALTH & WELLNESS ||
A. Avoid processed foods, sugars, bad fats, n the home – DECT cordless phones, hairdryers, GMO’s. Eat fresh, eat organic. vacuums, refrigerators, microwave ovens, irons, B. Feed pets their species appropriate diet. televisions (the flat panel TVs are much better Dogs and cats should eat a balanced raw than the old box-style TVs), main ring food made of 95-98% grass fed or free and lighting circuits, dimmer switches, range meat, 5% organic fruits and electric blankets, electric razors, electric vegetables. Provide the 80 essential toothbrushes, WiFi, etc. vitamins minerals and fatty acids in • In office’s – computers, fluorescent a quality plant based supplement. or halogen lighting, fax machines, C. For people, try to eat at least photocopiers, scanners, cell phones and 51% of each meal raw (salad, WiFi. juice, dehydrated). • Outside – power lines (high D. People and pets should take voltage cables either overhead or buried probiotics. I prefer to use live in the ground), transformers (the gray cultures like Kefir or fermented cylinders raised up). vegetables, both of which I teach EMF is divided into 4 areas: people how to make at home. Electric Fields: Defined as voltage. E. Drink the cleanest healthiest Considered low frequency. water possible. Magnetic Fields: Defined as electric current. F. Lower cortisol levels by reducing Considered low frequency. sympathetic nervous system tone and High Frequency Fields: Radiation from wireless raising the parasympathetic tone. This can devices, cell phones & WiFi EMF (or ElectroMagnetic Field) be done through proper exercise, meditation Dirty Electricity: Transmitted from the wiring within comes from electricity and magnetic resonance therapy using a machine buildings. Considered intermittent frequency. called a Magnesphere. All electronics and appliances plugged in (even if they are not turned on) bombard us with EMF.
It is here to stay
How do we cope?
How does EMF harm us?
Identify the sources of EMF exposure and the degree of severity
EMF sets off a chain reaction, starting with creating a subtle effect on the skin’s cell membrane that affects the calcium channels (how calcium moves in and out of the cell), releasing oxidizing chemicals that attack cell components, resulting in mitochondrial damage (the energy powerhouse of the cell), DNA damage and intra and extracellular damage. The result is a lack of coherence, the cells no longer communicate effectively creating dis-ease. Iron, necessary for healthy blood and many other metabolic functions, is highly affected by EMF. The permeability of the cell membrane of nerves, blood vessels, skin, and other organs are affected as well. Symptoms related to EMF exposure could be headaches, fatigue, dizziness, skin rashes, miscarriage, leukemia, and cancer. Animals are particularly sensitive to EMF and suffer the same deleterious effects.
There are specific meters for the 4 different EMF types (electric, magnetic, high frequency and dirty electricity). A. Turn it off, unplug it or get rid of the device creating EMF (if you can live without it). Consider putting devices on a timer so they are not running during the times you are in that area. B. Create distance between you (your pets) and the source. Replace fluorescent bulbs. Remove WiFi and hardwire to the internet or turn off the WiFi when not home (for the pets safety) and when sleeping. Use a battery alarm clock or move it and small appliances away from the bed. Keep the cell phone further away from the body by using the speaker. Hair dryers create massive EMF. Use a hose extension to create distance. Use corded phones. Sleep in an electricity free bedroom (turn the power off at the breaker box). Try not to use lap tops while they are charging. Maintain The Best Immune System C. Shielding. Personal shielding devices include clothing, bedding, bed canopies, and drapes. Walls can be shielded with special paint and fabrics. Since 80% of the immune system lives in the gut, improve digestion! Appliances/ equipment can be shielded as well. We are living in the electronic revolution. EMF pollution is only getting worse as newer Moving? I want your home to gain the and more powerful devices are introduced most exposure & sell for top dollar: that create more EMF. We can make lifestyle 3D virtual reality tour. choices in our homes, but we are also impacted Mobile app with augmented reality to by our neighbors and the places (business and capture the attention of recreational) we spend time at. today's home buyer. By making lifestyle changes to protect and mitigate the consequences of EMF for ourselves, Extensive digital and print marketing. our children and our pets, we can influence industries to create safer, healthier environments. If we demand it (by how we spend our Vibha Shevade Licensed Sales Associate dollars), more time and energy will be spent on Get your home value now: developing safer devices and better shielding. http://bit.ly/CallVibha vibha@DiscoverYourPlace.com
Page 6 • DECEMBER 2018
_____________________________________ MARLENE SIEGEL WWW.PASCOVET.COM (813) 973-2929
\\ HEALTH & WELLNESS //
Steps Up the Fitness Game with New Athletic Club
Newest Amenity Offers High-Performance Equipment, Motivating Group Classes, Personal Trainers
ampa Palms Golf & Country Club, a member of the ClubCorp family of clubs and preeminent family friendly club in Tampa, announces the upcoming opening of Tampa Palms Sports & Fitness, the club’s new athletic club. Bringing a highenergy vibe, high-performance equipment and motivating group classes, the new Sports & Fitness is designed to enhance the club experience and transform the way members enjoy their club. “We are committed to becoming more of a lifestyle club, adding value to membership and to helping our members live their fullest, happiest and healthiest lives, and this athletic club – along with our dining, golf, tennis and swimming amenities plus our dynamic events calendar – allows us to do that,” said Kyle Mooney, Regional General Manager for ClubCorp’s Tampa cluster. The new Tampa Palms Sports & Fitness features: • Cybex cardio and strength machines • Indoor cycling with Expresso bikes • Matrix treadmills and ellipticals • New TRX high-intensity training area • Weight room • Refreshed group exercise rooms • New Wexer virtual classes • Variety of fitness classes, including the classics (strength, cardio, conditioning, yoga, kickboxing) and all the latest (Zumba®, Yogabeat®, Pilates) • Personal trainers • Refreshed locker rooms “The members are very excited about taking advantage of the new athletic club, whether they are using it for wellness, fun or even socially – Tampa PALMS MAGAZINE
Palms Sports & Fitness is going to become a centerpiece of the club.” said Richard Lalli, Chairman of the club’s Board of Governors. Tampa Palms Golf & Country Club offers a relaxing oasis in Tampa, with a championship 18-hole Arthur Hills designed golf course featuring new, white sand bunkers. Amenities also include casual and upscale dining, heated pool, tennis, fitness and social events for the entire family. Members of Tampa Palms Golf & Country Club can enjoy benefits within the Community and Worldwide including complimentary green fees and complimentary dining when traveling throughout the ClubCorp Network, which now offers access to more than 300 private clubs and special offerings at more than 1,000 hotels, resorts and entertainment venues. About ClubCorp Since its founding in 1957, Dallas-based ClubCorp has operated with the central purpose of Building Relationships and Enriching Lives®. ClubCorp is a leading owner-operator of private golf and country clubs and private business clubs in North America. ClubCorp owns or operates a portfolio of over 200 golf and country clubs, business clubs, sports clubs, and alumni clubs in 27 states, the District of Columbia and two foreign countries that serve over 430,000 members, with approximately 20,000 peak-season employees. ClubCorp properties include: Firestone Country Club (Akron, Ohio); Mission Hills Country Club (Rancho Mirage, California); The Woodlands Country Club (The Woodlands, Texas); Capital Club Beijing; and The Metropolitan in Chicago. You can find ClubCorp on Facebook at facebook.com/ clubcorp and on Twitter at @ ClubCorp.
DECEMBER 2018 • Page 7
QSolar &A on My Home || FEATURE ||
here are 2 main types of solar used in Florida; thermal solar which uses the heat from your roof to warm up your pool or fill your hot water tank, and photovoltaic solar which uses photons from the sun to generate electricity. For this article I’m going to answer some of the common questions homeowners ask when they are shopping for a photovoltaic array to reduce their electric bill. Until the end of 2019 there is a 30% federal tax credit that you can get on solar AND a new roof if you install both in the same calendar year. This means that if you get a new a roof for $12,000 and a solar array for another $12,000 (for a total of $24,000) you will get back $7,200 from the federal government. In the last 2 years I’ve helped over 300 homeowners buy solar across seven different counties around Tampa Bay, and there is a 10 kilowatt solar array on my roof in the Stagecoach subdivision in Wesley Chapel. 1. How much will solar cost? This depends upon 2 factors: the square footage of your roof and the power needs (daily kilowatt usage) of your home. My parents live in a new home in Wesley Chapel, and the cost of their system after the federal tax credit was $8,000. That system eliminated $110 per month in energy costs, and their payment on their system at a 4% loan is $78 per month. Instead of paying $110 per month to the electric company my parents are sending $78 per month to pay off their solar array. If financed, solar is always less expensive than paying the electric company, and solar adds to the value of your home. 2. OK, how much will solar add to the value of my home? A quick Google search on this subject will point you to several different studies made across 40 states that demonstrate how solar increases the resale of a home from
Page 8 • DECEMBER 2018
3% to 10%. Of course, if you sell during a deep recession you might not see this kind of gain. I live in a home valued at $220,000, my solar array generates $2400 per year in electricity, that’s $24,000 generated in the next decade. My system was $16,000 after the federal tax rebate, so my solar array will pay for itself in less than 7 years. If I sell my home in the future for just 2% more I’ll pocket $4,500 and walk away very happy. 3. How does the Federal Tax Credit on solar work? The federal tax credit is 30% of the cost of any solar array on a home or business excluding solar pool heaters, which are considered a luxury purchase by the IRS. The credit can be used for solar hot waters heaters for the home, solar pool pumps and any photovoltaic array. The 30% tax credit for solar expires on December 31rst, 2019. This is a TAX CREDIT, so you can’t use it unless you pay taxes to the federal government. If your annual household income is below $30,000 per year it might take you several years to use your tax credit. For instance, if you only pay $3,000 per year in federal taxes and you get a solar tax credit for $9,000 it will have to carry forward three years for you to recoup the full $9,000. The solar tax credit is dollar for dollar, if you own a business and pay taxes at the end of the year you can use the tax credit instead of writing a check to Uncle Sam. In this case you might owe $10,000 for 2018, but you had solar installed and you have a tax credit for $7,000. Send in the tax credit and $3,000 and you are paid up.
4. How does my solar array work at night? It doesn’t. A solar array in Florida will generate power (even on a cloudy day) from about 8AM until sundown. Most of the systems we install are net metered to the power grid; during the day the system generates more than you need and these extra kilowatts are pushed back to the grid via a bi-directional meter installed by the electric company. These banked kilowatts are like rollover minutes on a cell phone, during the winter my system produces more than I need and these kilowatts are credited to my bill. In the summer when I crank up my AC my stored bank of kilowatts comes back to me. 5. What about during a power outage? If you install an SMA inverter you will have power from your solar during the day, even if the electric company goes dark. I have the SMA system on my home, it gives me 4,000 watts during peak sunlight during an outage. Some inverters do NOT have this capability, namely SolarEdge and Enphase systems. If you want a 24 hour battery back-up system you’ll spend $15,000 to $25,000 for the batteries alone. Battery costs will come down in the next few years, however. If you have any other questions please reach out to me at 813-391-3895. BEN ALEXANDER Sales Director TAMPABAYSOLAR.COM
What to Plant
Annuals/Bedding plants: To add color to the winter garden, plant masses of petunia, pansy, and snapdragon. Bulbs: Amaryllis is a popular plant for the holiday season. It can be forced to bloom now or planted outdoors for spring blooms. Herbs: Plant herbs that thrive in cool weather. Some examples include parsley, thyme, sage, dill, fennel, and cilantro. Vegetables: Reliable cool-season vegetables to plant this month include celery, cauliflower, lettuce, cabbage, and carrot.
What to Do
Poinsettias: Enjoy one of the most popular indoor holiday plants. Protect it from cold until spring, and then plant it in the garden for next year. Lawn disease: Continue to watch for brown patch and large patch, fungal diseases that cause areas of grass to turn brown. Since treatment is difficult, prevention with proper cultural practices is key. These diseases become active when the soil temperature, measured 2–4 in. deep, is between 65°F and 75°F and go dormant when the weather warms in May. Houseplants: Inspect regularly for pests on indoor plants. Keep in mind that plant-specific temperature, light, and humidity are key to ensuring that indoor plants thrive. Soil test: Consider performing a soil test if plants do not perform as desired or if new plantings are planned. Compost/mulch: Use fallen leaves to provide the carbon ingredient needed for successful composting and also to make a good mulch. Landscape and garden pests: Continue monitoring and treat as needed. While cooler weather generally means fewer pests, some populations actually increase at this time of year.
DECEMBER 2018 • Page 9
|| FINANCE ||
axKey Tax esChanges Patrick Murtha Partner Murtha & Murtha LLC
Patrick Murtha Partner Murtha & Murtha LLC
2236 Ashley Oaks Circle Suite 101 Wesley Chapel, FL 33544
2236 Ashley Oaks Circle Suite 101 Wesley Chapel, FL 33544
(813)991-1120 email@example.com www.tampataxfirm.com
(813)991-1120 firstname.lastname@example.org www.tampataxfirm.com
obs ActFrom * the Tax Cuts and Jobs Act*
n the past may have been eliminated or changed
Tax deductions you counted on in the past may have been eliminated or changed 7 brackets: 10–39.6%
7 brackets: 10–37%
Changes to paycheck withholding may need to be made Changes to paycheck withholding may
Income tax brackets
7 brackets: 10–37%
$12,000 (single) / $24,000 (single) / $84,500 (married$54,300 filing jointly)
Alternative Minimum Tax
$70,300 (single) / $109,400 $54,300 (single) / $84,500 to pay the AMTSince most households will take the (marriedCould filing jointly) filing jointly) In 2019 the floor standard deduction, theytowill be less likely deduct expenses that (married exceeded increases back to pay the AMT 10% of AGI 10% of AGI
$12,000 (single) / $24,000 (married filing jointly)
$70,300 (single) / $109,400 (married filing jointly)
Can deduct expenses that exceed 7.5% of AGI in 2018
$6,350 (single) / $12,700 (married filing jointly) (married filing jointly)
7 brackets: 10–39.6%
Personal exemption is made eliminated need to be
$6,350 (single) / $12,700 Personal exemption is eliminated Since most households will take the (married filing jointly)
standard deduction, they will be less likely
Could deduct moving were only they Can deduct expenses that exceed 7.5%expenses, Could deduct expenses thatDeductions exceeded In 2019 thepermitted floor increasesifback to investment fees, tax prep fees, were at least 2% of AGI of AGI in 2018 10% of AGI 10% of AGI casualty loss, etc.
Eliminated Could deduct moving expenses, Deductions were only permitted if they Miscellaneous itemized Cost of living calculated by the Chained Cost of living calculated by the Consumer Chained CPI rises more slowly, meaning investment fees, tax prep fees, were at leastwill 2% ofbe AGIless deductions Consumer Price Index Price Index credits and deductions casualty loss, etc.
valuable over time
calculated by the Chained up toCost of living calculated by Charitable the Consumer contributions Chained CPI rises slowly, meaning Cash contributions be deducted up to Cost of living Could only be deducted 50% of AGI aremore expected Inflationcan measurement 60% of AGI to decrease as a result of fewer people Consumer Price Index Price Index credits and deductions will be less itemizing deductions valuable over time
ence in howCharitable you are affected by theCash new rules can onbededucting (SALT) contributions deducted up to state Couldand only belocal deductedtaxes up to 50% of AGI Charitable contributions are expected giving 60% of AGI decrease a result of fewer people Deduction is limited to $10,000 for all state, Unlimited ability to deduct SALT High-tax statestowill feelasthe pinch. itemizing deductions local, property, and sales taxes. Some state governments are pursuing
No inflation adjustment.
Where you live makes a big difference inCould how you are affected by the new rules on deducting state and local taxes (SALT) Can deduct interest on mortgage debt up deduct interest on mortgage debt up Increased homeownership costs need to
to $750,000; home equity loan interest is Deduction to is$1limited million; could interest when buying to $10,000 for alldeduct state, the Unlimited abilityonto deduct be SALTconsidered High-tax states willafeelhome the pinch. SALT deduction not deductible unless used in connection up to $100,000 of home equity loans local, property, and sales taxes. Some state governments are pursuing with home acquisition or improvement
No inflation adjustment.
d. Source: Tax Cuts and Jobs Act, Pub. L. No. 115-97. Horsesmouth, LLC is not affiliated with the reprint licensee or any of its affiliates. Information contained herein is accurate Cantax deduct interest on mortgage debtcircumstances. up Could deduct interest onismortgage Increased homeownership costsItsneed to not intended to Mortgage be legal orinterest tax advice. Consult qualified advisors regarding specific This material furnisheddebt “asup is” without warranty of any kind. to $750,000; home equity loan interest is to $1 million; could deduct the interest on be considered when buying l warranties expressed or implied are hereby excluded. *Seek legal, tax, and investment advice from qualified professionals. Most changes expire after 2025. a home
not deductible unless used in connection with home acquisition or improvement
up to $100,000 of home equity loans
Copyright ©2018 Horsesmouth, LLC. All rights reserved. Source: Tax Cuts and Jobs Act, Pub. L. No. 115-97. Horsesmouth, LLC is not affiliated with the reprint licensee or any of its affiliates. Information contained herein is accurate as of 5/15/18. It is subject to legislative changes and is not intended to be legal or tax advice. Consult qualified tax advisors regarding specific circumstances. This material is furnished “as is” without warranty of any kind. Its accuracy and completeness are not guaranteed and all warranties expressed or implied are hereby excluded. *Seek legal, tax, and investment advice from qualified professionals. Most changes expire after 2025. Page 10 • DECEMBER 2018
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SWING INTO FALL
O U R B E A U T I F U L FA L L W E AT H E R I S P E R F E C T F O R YO U R G A M E A N D THERE’S NEVER BEEN A BETTER TIME TO BE A MEMBER. Enroll as a Golf Member with a reduced initiation fee and choose your add-on perks!*
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