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A Community Magazine for the New Tampa Lifestyle NOVEMBER 2018




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Page 2 • NOVEMBER 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.



NOVEMBER 2018 • Page 3


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

Page 4 • NOVEMBER 2018

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.



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Lawn &


November, 2018

What to Plant

Annuals/Bedding plants: Create a display of fall colors with cool-season plants. Some examples include pansy, viola, snapdragon, dianthus, cape daisy, and alyssum. Bulbs: Many bulbs like to get their start in cool weather. Bulbs to plant this month include amaryllis, crinum, and daylily. Herbs: Continue planting herbs from seeds or plants. A wide variety of herbs prefer cool, dry weather, including cilantro, parsley, sage, and thyme. Vegetables: Continue planting cool-season crops, such as beets, broccoli, cabbage, carrot, kale, and lettuce.

What to Do

Perennials: Divide and replant overgrown perennials and bulbs now so that they establish before the cold weather arrives. Lawn disease: Watch for brown patch and large patch. These fungal diseases 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. Scale insects: Take advantage of lower temperatures to apply horticultural oil sprays to control scale insects. Irrigation: Turn off systems and water only if needed. Plants need less supplemental watering in cooler weather. Poinsettias: Watch for hornworms on poinsettias planted in the landscape. This pest can quickly defoliate the plant; handpick or treat only the infested area.


NOVEMBER 2018 • Page 7





he holidays are around the corner… have you booked a family photo shoot yet for that oh-so-perfect holiday card?? Seriously, how is it October already? Before we know it, 2019 will be here. This is my fave month in Florida. Not too hot, not too cold. Perfect weather plus all things fall and pumpkin. The arrival of Pumpkin Spice Lattes, pumpkin candles and pumpkin patches remind us that the holidays are literally five minutes around the corner. Have you thought about scheduling a photo shoot for your holiday cards yet? If not, don’t hesitate any longer because this is one of the busiest times of the year for photographers and their schedules fill up quickly. Let’s face it, we all love getting holiday cards in the mail but then what? We display them through the end of the year and then either tuck them away or throw them away. The bottom line is, the pictures are more for us than anyone else. They represent our family, our love, our memories. We can look back, year after year, at our cards to see how everyone has grown and matured. Real moment here. I was totally stressed last year trying to get Christmas cards out. A friend advised me to quit stressing and rather, send New Years card. I took her advice and sent cards in January, after the craziness of the holiday season died down. It released a lot of pressure and the burden of felling like I had to get cards out in December. Reality is, I just couldn’t get it together in time and it wasn’t a priority. So, HAPPY NEW YEAR cards were second best and honestly, I will do the same this year. It also gave me the opportunity to write some words of encouragement and inspiration for the new year.

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So, what to wear? Coming from someone that has done my fair share of photo shoots the best advice I can give is to be true to you and your family’s personality and style. If you don’t like getting dressed up, don’t do pictures in gowns and tuxedos. It’s uncomfortable and frankly, doesn’t represent your family well. If you’re most comfortable in jeans and t-shirts, shoot in that. The more comfortable you feel in the outfits you choose the more natural the pictures will turn out. I always want my pictures to represent whatever my current style and mood is. Last year, Valerie shot our family pictures in October so it was still hot as all get out. We did pictures in shorts, tanks and converse to represent the casual, street vibe style of my children and I. We also did pictures in jeans with flowy shirts and booties to give it somewhat of a fall feel. Coordinate outfit colors


with the family. Stick with a coordinating color way. The girls can pull out colors from the boys outfits just with the accessories they wear. Also, adding layers or hats are great in photos. As imagined, I pile on the accessories in all my pictures. It brings a different dimension. If your family love sports, do a picture in jerseys. Whatever it is that represents your family well is what should go on your card. If you’re thinking you need to be in red and green in front of a Christmas tree, you’re wrong. Illustrate your personal style and vibe. Also, choose multiple outfits. Most sessions include an outfit change. There’s not really any rules when it comes to cards. You can create any image you want. Make it memorable.

So, where to shoot? Depends on what kind of pictures you want? Last year I wanted to shoot in front of murals because I wanted a funky kind of vibe. So, Valerie choose this amazing alley full of murals in St. Pete. It was exactly what I envisioned. My kids and I wore more solid colors because we were shooting against super busy, colorful backgrounds. My kids took pictures with hats on backwards and skateboards. One of my favorite pictures was me in front of a mural on a DUMPSTER! The year before my cards were more formal, taken in a park and by a lake. Be imaginative. Be creative. Do something different than you’ve done before. Do you want to shoot in a studio where its more posed or outdoors where you can be more natural and candid? If your family loves the beach, take pictures there. If your sports fanatics, take pics on a football field wearing your favorite teams jerseys. The choices are endless. Do what ALL pictures were taken by Valerie Sercu of Celebrate Everything – Photography by Valerie is a Wesley Chapel based photographer, specializing in portrait and event photography.


represents you and your family. No idea is to out there. Personally, I’ve done photo shoots in studio and outside and I prefer outside more. Just being in sunshine and nature with the people you love most, looking all pretty, is so good for the soul. Showcase your uniqueness and personality in your family holiday pictures because they will create memories that will last a lifetime. Be sure to book your photo shoot with your fave photographer NOW, as they are booked up quickly this time of year. Also, if you don’t have the time to send out cards, you can still do a fun digital holiday card on social media. Then, later order canvases to proudly showcase in your home. I don’t know about you but I still love receiving cards in the mail. I enjoy seeing my friends children grow over the years. Plus, photo shoots are so fun! So, don’t hesitate, book your photo shoot NOW and if you don’t get around to creating the holiday card in time, HAPPY NEW YEAR cards it is! Besides, your card will stand out from the rest if it arrives after the new year! E-mail me anytime at rgemara@hotmail.com. As always, spread light & love — xo, Rachel Rachel Gemara Ward has worked in the fashion industry for 20+ years. She is the owner of Gemara’s Gems, a jewelry business and Rachel Gemara, an inspirational t-shirt line. You can join her alongside an amazing community of women in a private Facebook group by searching Gemara’s Gems & Rachel Gemara.

NOVEMBER 2018 • Page 9


Best Performing Asset Classes TIP: Fund Flows. In January 2017, investors added $10 billion to mutual funds, a significant shift from the $56 billion they had taken out of mutual funds the month before.


ccording to Yale University’s Crash Confidence Index, only about 27% of investors are confident the stock market will not crash sometime during the next six months.1 But if fear leads investors to avoid the entire investment class, they may limit their potential returns. For example, during the 20-year period ended December 31, 2017, stocks had an average annual return of 8.5%. By comparison, bonds returned 6.1% and cash 2.0% during the same time frame. During that 20-year stretch, stocks outperformed bonds and cash in 14 years out of 20.2 But the stock market is volatile. Between October 9, 2007, and March 9, 2009, the Standard & Poor’s 500 stock index shed well over half its value. But then the S&P 500 started clawing its way back and ended 2010 within 20% of the October 9, 2007, close.3 If the impulse to be safe keeps investors out of the stock market, it may also keep them from taking advantage of the potential returns the stock market has to offer. FAST FACT: Fund Owner. Nearly half of U.S. households — 44% — own shares of mutual funds. That’s an estimated 54.9 million households.


Cash alternatives — the most conservative of the three investment classes — outperformed stocks and bonds only once during the 20-year period.2 A sound investing strategy considers short-term volatility without losing sight of long-term objectives. A sound strategy can involve diversifying capital between different classes of investments. That way, underperformance in one type of asset may be offset by the performance of another. Bear in mind, though, that diversification and asset allocation are approaches to help manage investment risk. They do not eliminate the risk of loss if a security price declines. The asset class that performs best one year may not do so the next. Diversifying your holdings among several different investment types and understanding that asset classes can move in and out of favor may help you manage the risk in your investment portfolio.

Changing Lead

The asset class that performs best one year doesn’t necessarily do so the next.2 ________________________________ DiPaolo Financial Group 4635 Van Dyke Rd, Lutz, FL 33558 (813) 475-3130


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1 Yale University, 2018 2 Thomson Reuters, 2018, for the period December 31, 1997 through December 31, 2017. Stocks are represented by the S&P 500 Composite index (total return), an unmanaged index that is generally considered representative of the U.S. stock market. Bonds are represented by the Citigroup Corporate Bond Composite Index, an unmanaged index that is generally considered representative of the U.S. bond market. Cash is represented by the Citigroup 3-Month Treasury-Bill index, an unmanaged index that is generally considered representative of short-term cash alternatives. U.S. Treasury bills are guaranteed by the federal government as to the timely payment of principal and interest. However, if you sell a Treasury bill prior to maturity, it could be worth more or less that the original price paid. Index performance is not indicative of the past performance of a particular investment. Past performance does not guarantee future results. Individuals cannot invest directly in an index. 3 Standard & Poor’s Corp, 2017. The high of 1565.15 was recorded on October 9, 2007 and the low of 676.53 was recorded on March 9, 2009. The S&P 500 Composite index (total return) is an unmanaged index that is generally considered representative of the U.S. stock market. Index performance is not indicative of the past performance of a particular investment. Past performance does not guarantee future results. Individuals cannot invest directly in an index. The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2018 FMG Suite.


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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!*

Contact Membership Director Michelle Williams at 813.632.1672 or michelle.williams@clubcorp.com.

*Offer expires 12/31/2018 and may not be combined with any other offers or promotions. Loyalty agreement may be required. Other restrictions apply. See Club for details. © ClubCorp USA, Inc. All rights reserved. 1018 MR

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