Sun Times Issue 05 18 23

Good Is Not Always Great

Why Having Good Credit Could Cost

You More On A Home Mortgage

For many people, owning a home is a major financial goal. It’s a symbol of success, a place to build a life and a long-term investment. But buying a home can also be expensive, and for most people, it requires a mortgage. When you’re shopping for a mortgage, you’ll find that there are a lot of fees and costs associated with the loan. One of the most important fees is the Loan Level Price Adjustment (LLPA).

LLPA’s are fees that are charged by Fannie Mae and Freddie Mac, the GovernmentSponsored Enterprises that back many of the mortgages in the United States. The fees are charged upfront and are based on a number of factors, including the borrower’s credit score, the size of the down payment, and the type of home being pur chased. The fees can range from 0.25% to 3% of the loan amount.

Beginning this month, the fees for loans backed by Fannie Mae and Freddie Mac will be adjusted. The changes are the result of new federal rules that are designed to ensure that the fees charged by Fannie Mae and Freddie Mac are fair and equi table.

The new rules are complex, but here’s what you need to know:

Fees will be based on risk

Under the new rules, the fees charged by Fannie Mae and

Stay Cool At Gulfstream Park Village This Summer

South Florida’s Favorite Entertainment And

Florida’s Hollywood

Explore How The City Of Hollywood Came To Be

Hooray or Hollywood, no, not that one, the other Hollywood!

Hollywood, Florida, that is!

Nestled along the beautiful beaches of the Atlantic Ocean, we all know that Hollywood is known for its stunning scenery, warm weather, and rich history, but how did it all happen? Let’s take a journey through time and explore how this city came to be.

In the early 1920’s, a Real Estate Developer named Joseph W. Young came to Florida with a vision to create a new city. He purchased thousands of acres of land along the Atlantic coast, where he planned to create a city

that would rival Hollywood, California. Young was inspired by the glamor and glitz of Hollywood, and he wanted to replicate that atmosphere in his own city.

The Hollywood Beach Hotel

To attract wealthy tourists to the area, Young built a luxurious hotel, The Hollywood Beach Hotel, located on the iconic Hollywood Beach Broadwalk, which has a storied history dating back to the 1920’s. The hotel had over 300 rooms and was known for its lavish parties and events. The hotel was a popular

destination for the wealthy elite of the time, including many Hollywood celebrities.

During the 1920’s and 1930’s, the Hollywood Beach Hotel played host to a number of

famous guests, including Clark Gable, Judy Garland and Al Capone. In fact, legend has it that Capone owned a secret underground tunnel that connected the hotel to the beach,

New Heights For Parks, Culture & Community

The Sunny Isles Beach Parks And Recreation Master Plan

Great Parks and Recreation Systems are built on strong planning efforts, a sharedcommunity vision, and a bold, achievable implementation plan

The City of Sunny Isles Beach Parks and Recreation Master Plan (PRMP) is a long-range planning document to develop a comprehensive park system plan that will define the direction, development and delivery of the City’s parks and recreation services over the next 10 years. This PRMP will have a profound impact on residents of Sunny Isles Beach and their future parks and recreation system.

The purpose of the PRMP is to provide the opportunity to re-

allowing him to avoid detection by the authorities.

During World War II, the hotel was used as a training facility for

Hollywood, 4A

The beautiful 1920’s Hollywood Beach Hotel Photographed by N. Michels

the U.S. Army Air Corps. After the war, it was purchased by a group of investors and underwent major renovations, reopening in 1947 as The Hollywood Beach Hotel.

Throughout the 1950’s and 1960’s, the hotel continued to attract famous guests, including Marilyn Monroe and Joe DiMaggio, who reportedly spent their honeymoon in one of the hotel’s oceanfront suites. Other famous guests included Frank Sinatra, Dean Martin and Sammy Davis Jr., who often performed at the hotel’s onsite nightclub, The Palms Lounge.

In the 1970’s, the hotel fell into disrepair and by the 1980’s, it was in danger of being demolished.

However, in 1987, the hotel was purchased by a group of investors who embarked on a major restoration project. The hotel was renamed The Hollywood Beach Resort and it was reopened in 1991 as a Condominium Hotel.

The Hollywood Beach Casino Pool

The Casino pool, cabanas and changing rooms were built by J.W. Young in 1924 on the site that is now The Margaritaville Hollywood Beach Resort. At the time it was Florida’s largest and best appointed bathing pavilion and it was built on the Hollywood Broadwalk. Built at a cost of $250,000 with 824 dressing rooms, eighty shower baths, a shopping arcade and an Olympicsized swimming pool. The complex occupied an enormous space on the beach, from just south of Johnson Street to Michigan Street. Young’s Casino pool complex was the most ambitious construction on the Southeast Florida coast, after Henry Flagler’s hotels and Young’s publicists like to point out that the Flagler structures were of wood while Young’s were of more permanent materials.

Tourist Destination

Throughout the 1920’s and 1930’s, Hollywood continued to grow and attract more visitors. The city became a popular destination for winter vacations and many wealthy families from the north would come to Hollywood

to escape the cold weather. As a result, many historic buildings were constructed during this time, including the Hollywood Beach Theater. The theater was built in Art Deco Style and is still standing today, serving as a reminder of Hollywood’s glamorous past.

Picture Perfect

In the 1940’s and 1950’s, Hollywood became a popular location for movie studios to film their movies. Hollywood has a long history of attracting filmmakers looking for the perfect

Starring Gene Kelly and Natalie Wood, the film tells the story of a young woman who dreams of becoming an actress. Many scenes from the movie were filmed on location in Hollywood, including at the historic Hollywood Beach Hotel.

More recently, Hollywood has served as the backdrop for a number of major motion pictures and television shows. The 2010 Action-Comedy “Cop Out,” Starring Bruce Willis and Tracy Morgan, filmed several scenes on the Hollywood Beach Broadwalk. Additionally, the popular television show “Burn Notice” filmed several episodes in Hollywood, with scenes featur

A Multicultural Family Friendly City Hollywood continues to be a vibrant and diverse city that offers something for everyone, from its beautiful beaches to its rich cultural heritage. Families looking to live and have fun in a multicultural environment will find plenty to love about this dynamic and welcoming community. One of the hallmarks of Hollywood is its diverse population, which includes people from all over the world. This diversity is reflected in the city’s vibrant food scene, which features an array of cuisines from around the globe.

workshops and classes. For families with children, Hollywood is an especially welcoming destination. The city’s public schools are known for their diversity and high-quality education, and there are also a number of private and charter schools in the area. In addition, Hollywood is home to several parks and recreational areas where families can enjoy the great outdoors, from The Anne Kolb Nature Center to The Hollywood Beach Broadwalk. Hollywood has come a long way since its founding by Joseph

number of Hollywood blockbusters and independent films, from action-packed thrillers to heartwarming romances.

One of the most famous movies filmed in Hollywood, Florida is the 1960’s classic, “Where the Boys Are.” The film follows a group of college students as they head down to Florida for spring break and the movie was actually filmed on location in Hollywood and nearby Fort Lauderdale.

Another famous movie that was filmed in Hollywood is the 1985 film “Marjorie Morningstar.”

ing the Hollywood Beach Bandshell and other iconic locations in the city.

The city’s diverse landscapes and beautiful beaches have also made it a popular location for independent filmmakers looking for unique and picturesque settings. In 2013, the independent film “The Love Song of Iskra Prufrock” was filmed entirely on location in Hollywood, and the movie went on to receive critical acclaim and numerous awards at film festivals around the world.

Presidential Circle Memorial Chapel

to find a restaurant in Hollywood that serves up your favorite dishes.

In addition to its diverse culinary offerings, Hollywood also boasts a number of cultural institutions that celebrate the city’s multicultural heritage. The Art and Culture Center/Hollywood, for example, is a Non-Profit Organization that promotes the arts and provides educational programming for the community. The center hosts a range of events throughout the year, from art exhibits and performances to

has become a modern multicultural destination. Today, Hollywood’s diverse population and rich cultural heritage are celebrated through its cuisine, arts and cultural events. From its stunning beaches to its vibrant arts scene, there’s never been a better time to explore all that Hollywood has to offer. Whether you’re looking to put down roots and make a home in this vibrant city, or simply looking to visit and experience its unique atmosphere, Hollywood, Florida has something for everyone.

1924: Florida’s largest and best appointed bathing pavilion, the Hollywood Beach Casino Pool, was built on the Broadwalk. Built at a cost of $250,000 with 824 dressing rooms, eighty shower baths, a shopping arcade and an Olympic-sized swimming pool

The Great Southern Hotel in Downtown Hollywood, 1925 and (L) on the site today one of Hollywood newest apartments, 1818 Park. As you can see the North & West Facade pay homage to its landmark predecessor, The Great Southern Hotel

(L) The Hollywood Casino Pool complex occupied an enormous space on the beach, from just south of Johnson Street to Michigan Street, Margaritaville’s site today. This aerial taken by Virginia TenEick’s father Clyde Elliott, shows the completed site. (R) The beautiful Margaritaville Hollywood Beach Resort sits on the same site at the Hollywood Beach Casino Pool Pavilion (Left) almost 100 years earlier

and other frozen treats.

For the best of both worlds, Ten Palms at the Gulfstream Park Clubhouse offers views overlooking the racetrack and an elegant menu to match. Take in the excitement of live horse racing from the comfort of this beautifully appointed room. Outside of the restaurant, admission to races viewed from the stands is free and features the industry’s top jockeys and horses in high stakes races. The racetrack is just steps from the Gulfstream Park Casino, that offers plenty of thrills for those looking to try their luck.

With school almost out and vacation season in full swing, both kids and adults can enjoy a variety of entertainment options in Gulfstream Park Village’s openair environment. Kids can enjoy the simple pleasures of the Village Green play area, a perfect place to run free and enjoy some fun in the sun. For the action-seeking crowd, Strike 10 Bowling offers bowling, billiards and arcade fun for groups or families with delicious dining options. Color Me Mine pottery painting is a hit for kids of all ages as well as a date-night favorite where everyone can try their hand at painting the perfect piece of art to call their own. For those looking to let loose, PlugIN Karaoke offers endless fun with private rooms that are great for happy hour, a night out, or a birthday party.

Don’t forget Music in the Park, Gulfstream Park Village’s favorite live entertainment series, as it continues its weekly performances with the area’s favorite musical talent. Taking place Wednesday through Sunday nights from 6:30-9:30 p.m., Music in the Park is sure to get audiences dancing. These open-air performances take place on the center stage and feature rotating bands on Wednesday, Thursday, Friday and Sunday nights. Saturdays are DJ/Family Nights with DJ David, so bring the kids to dance

and have fun. Free to attend, Music in the Park has proven to be one of Gulfstream’s most popular ongoing events. For additional live music, the Casino Stage features a DJ on Friday nights from 7-11 p.m. and a live band on Saturday nights from 7-11 p.m. The Breezeway Stage features rotating DJs on Saturdays from 1-5 p.m. and the Carousel Club features live music Friday-Sunday during all open hours.

“Gulfstream Park Village welcomes guests to a summer full of exciting options and entertainment,” said Alex Schreer, Director of Experiential Marketing for

Gulfstream Park Village. “From dining to horse racing to shopping, the Village offers endless experiences for everyone.”

About Gulfstream Park

Gulfstream Park is South Florida’s premier entertainment, dining and restaurant destination, located between Miami and Fort Lauderdale, anchored by the legendary Gulfstream Park racetrack. Gulfstream Park not only offers worldclass Thoroughbred horse racing but is also home to a casino and family-friendly venues including over 15 restaurants, out-

door cafes, art galleries, fashion retailers, state-of-the-art bowling alley, and a renowned selection of signature home stores. Gulfstream Park, voted a 2020 Top Travelers’ Choice Winner by TripAdvisor, is located at 901 South Federal Highway in Hallandale Beach, Florida, just two miles east of I-95. Valet service and complimentary self-parking are available. Gulfstream Park is open seven days a week. For hours, schedules, upcoming events and additional information, visit: www.gulfstreampark.com or call: 954454-7000.

The Police Activities League

Celebrating The Grand Opening Of The PAL Foster Park Facility

By Hallandale Beach Mayor, Joy Cooper

This coming weekend is the grand opening of the PAL Foster Park Facility at 609 Northwest 6th Avenue and Foster Road. The celebration will begin at 11:00 a.m. with a day filled with fun and entertainment for all ages. The Memorial Mobile Health Van will also be at the park. This service will be available every Monday to help those without medical access or insurance to receive care. It is also available for all ages.

The Police Activities League formerly known as the Police Athletic League was established in 1914 in New York City to address youth delinquency. Over its long history it has had its difficulties. Wars, depression, and other societal issues. Its main focus has always been to assist in keeping children on the right path. Police Officers worked and volunteered by providing After School Sports Activities and Homework Help.

PAL in our city was not around 30 years ago. It began with Former Chief Tom Magill who had a rich history and commitment to Community Policing. He was sworn into office in 2010 and started to transform our department. With the continued support of the city, many philanthropic corporate partners and community volunteers, PAL is serving well over 2,000 children annually through multiple programs and sports activities.

Jonathan Carrillo is the PAL Program Coordinator and is doing an amazing job. There is a PAL office at our new Bluesten Park located at 510 Southeast 1st Avenue. With the expansion into Foster Park, they will now have a meeting facility equipped with an office, classrooms, a library, and a kitchen area. In addition to

their programs, they will be partnering with other agencies and Non-Profit Organizations to provide additional programs to enrich After School Activities.

PAL can use your help. You can always make a monetary donation. Visit them at: www.HallandaleBeachPAL.com or on Facebook. They are also looking for volunteers. You may have a special talent or skill that can expand the knowledge of our participants. You can simply volunteer to lend a hand during game days or at the center. We know many people are busy and may not want to make a full-time commitment, but you can sign up and find out the needs they are trying to fulfill that fit your time schedule. I encourage all our residents to stop by Saturday to enjoy the day and find out more.

PAL also partners with our local schools very closely. They have partnered with an Anti-Bullying Campaign at our K-

8. Since COVID-19, our schools have been under plenty of stress. With lower enrollments that directly impact their budgets both Principal Campbell of Gulfstream Academy of Hallandale Beach K-8 and Principal Howard of Hallandale High School have been in rebuilding mode.

All Florida Schools rank around 50% in proficiency as compared to their national counterparts. So, when you look at schools compared to others they are around the same. These ranks are all combined meaning they are the average of all level combined percentiles. When you go into rankings at Public Schools it is truly not a level playing field compared to private. Public Schools are required to accept all students. They do not get the luxury of selecting all top performing stu-

dents. Schools are not just simply about numbers or bricks and mortar. It is about students and teachers. With this said there is plenty of cream rising to the top at both schools.

With schools getting somewhat back to normal I have had a chance to attend some events at the schools. I wrote recently about the High School’s Women Leadership Day. Last week I had the chance to attend the JNHS Junior National Honor Society Installation and G.A.H. K-8 for the upper school students, the Stallions. It was the first ceremony for JNHS since COVID-19.

Principal Campbell’s team did an amazing job ensuring that the students received that recognition they deserved. It was an honor to participate and speak about “community.” The core principles of JNHS are scholarship, leadership, service, citizenship and character. It was great to have our District School Board Member

Daniel P. Foganholi attend and give remarks. His support means so much to the school parents and most importantly the students.

Congratulations to all the parent and to inductees; Sofia Bondurenko, Emily Castro, Kerlin Contreras, Quentin Crawford, Brandon Diaz, D’cota Ferguson, Lailah Ferguson, Jaelix Fuentes, Frantz Teo Garaud, Jacob Garcia, Angie Cruz Iscano, Sydni Neunie, Camila Ortiz, Charlize Pozo, Giovannia Rodriguez, Razia Sadaf, Idanya Sancahez, Alexis Supersaad, Ethen Tassey, and Enzo Vasquez. All future leaders!

As always, I am available for your questions, concerns, and ideas to help make our City a better place. Please feel free to reach out to me at my office: (954) 457-1318. On my Cell/ Text at: (954) 632-5700. Or email me at: jcooper@cohb.org.

Now’s the Time To Get Prepared: Hurricane Season Is Around the Corner

With June 1st being the start of the 2023 Atlantic Hurricane Season just two weeks away, now is the time to get ready. Reduce your stress during an Emergency by having your family’s plan in place in advance. A Hurricane can cause major disruptions to your family, the power grid and the supply chain. The best way to minimize these and many other problems is to be prepared. Sit down with your family and determine essentials such as how much water your family needs, where you will go if you need to Evacuate and how you will stay in contact with loved ones. You will also need to be able to be selfsufficient for at least 7 days after a storm hits our area. To help you prepare, here are some tips from the Florida Department of Health.

Your Emergency Plan should include all members of your household especially if they have special medical conditions. Create a plan of when and where to evacuate because you might need special transportation for pets or elderly loved ones. Always have an emergency meeting place if you get separated and have an out-of-town contact person who everyone can call to stay in touch.

When gathering emergency supplies,

get one gallon of water per person for 7 days, non-perishable foods such as canned meat, fish, veggies, fruits and nuts. It’s a good idea to have a nonelectric can opener, disposable plates and utensils. Don’t forget matches and cooking gel to heat up foods or boil water.

If you have medical needs, have a 30 day supply of prescription medications from your doctor, plus over the counter Pain Relievers, Antacids, Anti-Diarrhea Medicine and any medicine for your child. In addition to the actual medications, make sure to prepare a list of all medications and essential medical devices you will need, include your physician’s contact number, and Blood Type and allergies for all household members. Assemble a First-Aid Kit with sterile bandages, cleansing agent, safety pins, gauze pads, scissors, sewing needle, moist towelettes and tape.

Keep all essential information in a waterproof container, especially the contact information for your property insurer,

contact information of family and friends, all credit card and bank information. It would be a good idea to have a portable computer storage device with electronic copies of your mortgage, home deed, car title, instructions for shutting off utilities, pet health records, and other important documents. For insurance purposes keep a list of your major home belongings and back it up with photos.

Sign Up for “Alert

Hollywood” Emergency Notifications

Alert Hollywood is the City of Hollywood’s Emergency Notification System. Used by many Government Agencies throughout Florida, Alert Hollywood notifies residents through phone calls, e-mails and/or text messages to mobile phones of an Emergency in the community such as a Hurricane Watch or Warning, Flash Flood Warning, Tornado Warning, Serious Police Situations and other Critical Incidents.

To register, visit: www.hollywoodfl.org/ 725/Alert-Hollywood and click on the Alert Hollywood Logo to get to the Registration

Page. Register by clicking on the “Sign Up” Link located just below the login fields. After you submit your information, you will receive Alert Hollywood Notifications whenever an Alert is issued. Alerts may be received by phone and/or email address. Severe Weather Alerts issued by the National Weather Service are automatically issued through the Alert Hollywood System if you elect to receive those notifications.

The Alert Hollywood Service is FREE to the public. Text message Fees by your Wireless Carrier may apply depending on your Mobile Phone Plan.

Already have an alert Hollywood Account? If you already have created an Alert Hollywood Account, simply type your username and password in the appropriate fields on the Alert Hollywood Registration Page and click on the “Sign In” button to log into your account.

Stay informed: hollywoodfl.org/725/Alert-Hollywood

For more information, including Storm Surge and Evacuation Zones, Shelter information and more, please visit the City’s website at: www.HollywoodFL.org/Hurricane

PAL serves well over 2,000 children annually through it’s multiple Activities

Hollywood Students Meet Their Sole-Mates

Placing New Athletic Shoes on the Feet of Broward County Public Schools Students

Every student at Mary M. Bethune Elementary School in Hollywood, Florida received a new pair of brand-name athletic shoes, thanks to Rita Case, President and CEO of Rick Case Automotive Group, Soles4Souls’ 4EveryKid Program and Broward County Public Schools (BCPS). They joined community volunteers to help each child select shoes that match their personality and style and measured each student’s feet to find the perfect fit.

“4EveryKid is a transformational program that truly makes a difference in the lives of students,” Case said. “It’s so important to encourage kids to put their best foot forward and what better way to start than with a new pair of athletic shoes. The look on their faces, lighting up as they opened the shoeboxes and tried on their new sneakers, was priceless.”

According to research conducted by Soles4Souls, a new pair of athletic shoes can directly impact a child’s attitude and performance in and out of school. More than 90% of kids gained confidence with new shoes on their feet, were more excited to attend school, engaged in more physical activity and felt more equal to their peers.

Case, along with Soles4Souls, founded the 4EveryKid Program in Broward County and partnered with BCPS Homeless Education Assistance Resource Team (HEART) to provide athletic shoes to students facing housing instability. Since becoming the founding Sponsor and Chief Fundraiser for 4EveryKid Broward in Spring 2022, Case has already raised nearly $500,000 for the program with many five-year commitments to secure funding for years to come. To date, 3,755 kids have received new athletic shoes in Broward County through the 4EveryKid Program.

Soles4Souls partners with schools across the country to get new athletic shoes to children experiencing homelessness. This gives kids the opportunity to participate more fully in school, and it

frees up resources their parents can then use for other necessities. More than 1.5 million children in the U.S. don’t have stable housing, and their families lack sufficient resources to meet all their basic needs. More than 18,000 kids in southeast Florida are experiencing homelessness, with at least 7,000 of those in Broward County alone.

Founded in 1962, the Rick Case Automotive Group has been honored by Automotive News as the National All-Star Dealer and is one of the largest auto

groups in America, offering Honda, Hyundai, Genesis, Ioniq, Volkswagen, Kia, Acura, Audi, Mazda, Maserati, Fiat, Alfa Romeo, Honda Motorcycles and E-Z-Go Golf Carts. Rita and her late husband Rick got involved with Soles4Souls in 2013. They began by providing coats and shoes to children at Boys & Girls Clubs in Broward County, Florida and in Idaho. Soles4Souls Soles4Souls turns shoes and clothing into educational and economic opportuni-

Celebrating Shavuot: A Cheesy Jewish Holiday

By Rabbi Moishe Kievman - Chabad Chayil

At a unique crossroads between religion and cuisine, the Holiday of Shavuot, celebrating the Giving of the Torah at Mount Sinai some 3,335 years ago, has become a celebration of fine dairy cuisine as well. Shavuot is celebrated for two days, this year beginning at sundown on Thursday, May 25th, 2023 and ending at nightfall on Saturday, May 27th, 2023.

50 days after leaving Egypt on Passover, the Jewish people received the Torah from G-d at Mount Sinai on the holiday of Shavuot. Shavuot literally means “weeks” and marks the completion of the seven-week counting period between Passover and Shavuot. Shavuot customs include all-night Torah study, listening to the recitation of the Ten Commandments, the reading of the Book of Ruth, eating dairy products and adorning the home with flowers.

With the giving of the Torah, the Jews became obligated to observe the Kosher Laws. As the Torah was given on Shabbat, no cattle or poultry could be slaughtered, nor could we make sure that the animal’s insides were healthy and then properly cleaned out as is required in order for the meat to be Kosher. In addition, utensils could not be Koshered, and as such we ate dairy. Exquisite cheesecakes, pesto pastas, lasagna, souffles and of course, cheese blintzes all take center stage dur-

Always Great

From Page 1A

Freddie Mac will be based on risk. Borrowers who are deemed to be higher risk will pay higher fees, while borrowers who are deemed to be lower risk will pay lower fees.

Factors that will be taken into account include the borrower’s credit score, the size of the down payment, and the type of home being purchased. Borrowers with higher credit scores and larger down payments will be deemed to be lower risk and will pay lower fees. Borrowers with lower credit scores and smaller down payments will be deemed to be higher risk and will pay higher fees.

The changes could impact how much you pay

If you’re in the market for a mortgage, the changes to the LLPA’s could impact how much you pay. Borrowers with higher credit scores and larger down payments may pay less in fees under the new rules, while borrowers with lower credit scores and smaller down payments may pay more.

It’s important to note that the changes to the LLPA’s are just one factor that can impact the cost of a mortgage. Other factors, such as interest rates and closing costs, can also impact the total cost of the loan.

ing this ancient celebration.

When thinking Jewish Holidays, Passover, Chanukah and Yom Kippur usually come to mind first. Nevertheless, Shavuot is considered one of Judaism’s main holidays and was in fact a “pilgrimage” when all of Israel would travel to Jerusalem to celebrate in the Temple in Jerusalem.

No, it isn’t all about the food. Especially in a year like the one we are currently in, when we remember the Hakhel gatherings that took place in Jerusalem, what is important is that the community is joining together, hearing the Ten Commandments and celebrating the Torah. But the good food certainly helps.

The tradition to learn all night has been practiced ever since we received the Torah. On the very night before G-d gave the Torah, we went to sleep, waking late in the morning. As a symbolic rectification for this, Jews customarily stay awake studying Torah until the morning, on the first night of Shavuot, this year on Sunday night.

Since we all stood at Mount Sinai, we must all reaffirm our commitment. On Friday, May 26th, 2023 the Ten Commandments will be read aloud from the Torah. Special emphasis is placed on including the entire Jewish family, including little babies, the way the Torah’s giving was attended by every Jewish man,

The changes are designed to be fair and equitable

The changes to the LLPA’s are designed to be fair and equitable. Under the old system, borrowers with lower credit scores and smaller down payments often paid more in fees, even if they posed no greater risk to the lender than borrowers with higher credit scores and larger down payments.

The new rules are designed to ensure that fees are based on risk, rather than arbitrary factors like credit scores and down payment sizes. This means that borrowers who pose less risk to the lender will pay less in fees, regardless of their credit scores or down payment sizes.

It’s worth noting that even if a borrower has an excellent credit score, they may still be charged LLPA’s if they have a low down payment or a high LTV. This is because the higher the LTV, the more significant the risk of the loan. Therefore, borrowers who put down a larger down payment or have a lower LTV are generally charged lower LLPA’s. Similarly, the type of property being purchased can also affect LLPA’s. For example, investment properties or properties located in areas with a high risk of natural disasters may be subject to higher fees. This is because these properties pose a higher risk to the lender.

It’s important to note that LLPA’s are not the same as mortgage insurance.

woman and child. The word Torah means “instruction” or “guide.” The Torah guides our every step and move through its 613 Mitzvahs. The word Mitzvah means both “commandment” and “connection.” Through the study of Torah and fulfillment of Mitzvahs, we connect ourselves and our environment to G-d. G-d’s purpose in creating the world was that all of creation be sanctified, imbuing it with holiness and spirituality.

Since Shavuot is also called the “Harvest Festival,” it is customary to adorn the home with fruits, flowers and greens.

Most of us are, thank G-d, able to get out and celebrate the way we have for over three thousand years. But for those that are for whatever reason staying home, that should in no way stop you from celebrating the holiday, since most of the holiday is super easy to celebrate even while at home alone. Not going to work. Eating dairy. Praying the special holiday prayers. Studying Torah all night. Decorating the home with flowers. The only things that we can’t do without a quorum, are hearing the Ten Commandments read from the Torah and praying with a minyan. But you can still study the Ten Commandments from a Torah Book, known as a Chumash. And you can still read Yizkor, even without a minyan.

Mortgage insurance is an insurance policy that protects the lender in the event that the borrower defaults on the loan. Mortgage insurance is typically required for borrowers who have a down payment of less than 20%. The cost of mortgage insurance is also affected by the borrower’s credit score, down payment size, and LTV.

LLPA’s, on the other hand, are fees that are added to the interest rate or charged as a separate fee. They are not insurance policies and do not provide any protection to the lender in the event of default. Instead, they are used to compensate the lender for the risk they assume in providing the loan.

So, how do LLPA’s affect the cost of borrowing? Let’s look at an example, under the revised LLPA pricing structure, a home buyer with a 740 FICO credit score and a 15% to 20% down payment will face a 1% surcharge - an increase of 0.750% compared to the old fee of just 0.250%. Meanwhile, buyers with credit scores of 679 or lower will have their fees slashed, resulting in more favorable mortgage rates. For example, a buyer with a 620 FICO credit score with a down payment of 5% or less gets a 1.75% fee discount – a decrease from the old fee rate of 3.50% for that bracket.

The effective penalty for having a credit score under 680 is now smaller than it was. It still costs more to have a lower

ties. Our programs, 4Opportunity, 4Relief, and 4EveryKid, aim to make a positive difference on the planet and in people’s Economic, Educational, Physical, and Psychosocial Well-Being. Since 2006, more than 83 million pairs of shoes and pieces of clothing have helped create opportunities for people across 137 countries. Soles4Souls is headquartered in Nashville, Tennessee, with Regional

To learn more about Shavuot and the many customs associated with it, visit: www.ChabadChayil.org/Shavuot There you can also get delicious dairy & dairylike recipes, send free holiday greeting cards, download the prayers & suggested all night Torah study. If you are able to go out, then you should certainly make sure to attend services this holiday, at least to hear the Ten Commandments read from the Torah on Friday morning, and of course to thank Gd that you’re feeling well. Of course you are welcome to join us at the Family Shul in Highland Lakes. For the full schedule, call: (305) 770-1919. Or visit: www.TheFamilyShul.com

About The Author: Rabbi Kievman is the Ambassador of The Rebbe to Highland Lakes, FL. He’s founder of CHAP - an afterschool program for Jewish children in Public Schools, Rabbi at The Family Shul & together with his wife directs Chabad Chayil. He can be reached at: (305) 7701919. Or: rabbi@ChabadChayil.org

score. For instance, if you have a score of 659 and are borrowing 75% of the home’s value, you’ll pay a fee equal to 1.5% of the loan balance whereas you’d pay no fee if you had a 780+ credit score. But before these changes, you would have paid a whopping 2.75% fee. On a hypothetical $300K loan, that’s a difference of $3,750 in closing costs.

It’s also worth noting that LLPA’s can vary between lenders. Therefore, it’s essential to shop around and compare offers from multiple lenders to ensure that you’re getting the best possible deal.

It’s important to note that the changes to the LLPA’s will only impact loans that are backed by Fannie Mae and Freddie Mac. These two entities are responsible for backing a large percentage of the mortgages in the United States, but not all mortgages are backed by them.

The changes to the LLPA’s are part of broader efforts to reform the mortgage industry. The LLPA changes may actually make it easier for some borrowers to qualify for a mortgage. By accurately pricing loans based on risk, lenders may be more willing to lend to borrowers who were previously deemed to be too high of a risk.

If you’re shopping for a mortgage, it’s important to understand whether the loan is backed by Fannie Mae and Freddie Mac, and whether the new LLPA’s will impact the cost of the loan.

Free Admission All Summer

Museum Of Discovery And Science Thanks Active Military Personnel And Their Families

The Museum of Discovery and Science (MODS) is proud to continue offering Active Military Personnel and their families FREE Admission all summer long through the Blue Star Museums Program. This is a collaboration among the National Endowment for the Arts, Blue Star Families, the Department of Defense and more than 2,000 museums across the United States. From Armed Forces Day on Saturday, May 20th, 2023 through Labor Day, Monday, September 4th, 2023, Active-Duty Military, including National Guard and Reserve, and up to five family members can enjoy a fun family day at MODS FREE of charge.

“MODS is honored to connect military families to inspiring science through the Blue Star Museums Program,” explains Joseph P. Cox, MODS President and CEO. “We are incredibly grateful for the opportunity to provide engaging and edu cational programming and experiences for families of Active-Duty Military Members. We are thankful and honored to extend programs, such as Blue Star Museums, to express our gratitude to those who serve this country as Active-Duty Military Personnel and family members who miss their loved ones during their service.”

The Blue Star Museums FREE Admission Program is available for those currently serving in the United States Military—Air Force, Army, Coast Guard, Marine Corps, Navy, and Space Force, members of the Reserves, National Guard, U.S. Public Health Commissioned Corps, NOAA Commissioned Corps, and up to five family members. Qualified members must show a Geneva Convention Common Access Card (CAC), DD Form 1173 ID Card (Dependent ID), DD Form 1173-1 ID Card or the Next Generation Uniformed Services (Real) ID Card for entrance into a participating Blue Star Museum. The Active-Duty Service Member does not need to be present. Families must show appropriate Military Identification.

“We thank the 2023 Blue Star Museums who invite Military Personnel

(L) The Blue Star Museums free admission program is available for those currently serving in the United States Military - Air Force (R) MODS is located downtown at 401 SW Second Street, Fort Lauderdale, Florida 33312

and their families to experience the many wonders they have to offer, whether it’s a glimpse into the past, an encounter with awe-inspiring art, or a moment of discovery,” said Maria Rosario Jackson, PhD, Chair of the National Endowment for the Arts. “The Museum of Discovery and Science is helping to enrich the lives of military families and build meaningful connections between our Nation’s Military and their local community.”

For a complete list of participating museums across the United States and locally, please visit: www.arts.gov/bluestarmuseums Blue Star Museum Guests can upgrade to watch an IMAX Documentary Film on the GIANT screen for $5 per person upon arrival at the Museum’s Box Office.

The National Endowment For The Arts

Established by Congress in 1965, the National Endowment for the Arts is the Independent Federal Agency whose funding and support gives Americans the opportunity to participate in the arts, exer-

Happy 96th Birthday to the City of Hallandale Beach

Last week, May 11th, marked the 96th birthday of the City of Hallandale Beach. We celebrate the rich history, diverse culture, and stunning natural beauty that make our Hallandale Beach unique and special.

From the pristine beaches and lush parks to the bustling downtown district and thriving arts scene, Hallandale Beach truly has something for everyone. Whether you’re a longtime resident or a first-time

Sunny Isles

visitor, it’s impossible not to be enchanted by the warmth and hospitality of our community. As we mark another year of Hallandale Beach’s existence, let’s take a moment to reflect on all the unforgettable memories we’ve created here and all the new adventures that await us in the future.

A Thriving City

The City of Hallandale Beach, Community Redevelopment Agency, wel-

cise their imaginations, and develop their creative capacities. Through partnerships with state arts agencies, local leaders, other federal agencies, and the philanthropic sector, the Arts Endowment supports arts learning, affirms and celebrates America’s Rich and Diverse Cultural Heritage, and extends its work to promote equal access to the arts in every community across America. To learn more, visit: www.arts.gov Or follow us on Twitter, Facebook, Instagram and YouTube.

Blue Star Families

BlueStar Families (BSF) is the Nation’s Largest Chapter-Based Military and Veteran Family Support Organization. Its research-driven approach fosters strong communities with a focus on human cen-

tered design and innovative solutions. Since its founding in 2009, BSF has delivered millions of dollars in benefits and impacted more than 1.5 million people each year. For more information, click here and follow along with Blue Star Families on Facebook, Instagram and Twitter.

The Museum of Discovery & Science (MODS)

Founded in 1976 as the Discovery Center, today the Museum of Discovery and Science (MODS) is at the forefront of science education, innovation and exploration. MODS connects people to inspiring science, providing STEM education and cultural experiences for 450,000+ visitors annually in the 150,000 square foot facility. MODS is a 501 (c)(3) NonProfit Organization that has been accredited by the American Alliance of Museums (AAM) for three decades (only 3% of science museums are accredited for excellence and leadership in the field). In the past year, MODS has added to that distinction by being named Broward’s Hub for Resilience Education by the Board of the Community Foundation of Broward, selected by the LEGO Foundation as one of only 12 museums nationwide to join the Playful Learning Museum Network and was selected as one of the finalists for the Prestigious 2022 and 2023 IMLS National Medal for Museum Service.

The Museum celebrates diversity and welcomes visitors from all walks of life. The Museum hours are Monday through Saturday 10:00 a.m. to 5:00 p.m. and Sunday 12:00 p.m. to 5:00 p.m. MODS is located downtown at 401 Southwest Second Street, Fort Lauderdale, Florida 33312. For more information about the Museum, please visit: www.mods.org Or call: (954) 467-MODS (954) 467-6637.

comes the first shipping container restaurant in Broward County, KAO Bar & Grill, to the newly rebranded District 8, formerly the Fashion and Art District (FAAD). The grand opening of KAO Bar and Grill will take place on Friday, May 19, 2023, from Noon to 11:00 pm, located at 11 NE 1st Avenue.

District 8, where KAO Bar & Grill restaurant is located, has been undergoing significant redevelopment in recent years, transforming into a thriving design district focusing on innovative concepts and businesses. Adding KAO Bar & Grill to the dis-

trict is a testament to the City of Hallandale Beach’s and HBCRA’s commitment to creating a unique, diverse, and progressive community for residents and visitors.The grand opening of KAO Bar & Grill promises an unforgettable experience with a chance to sample some of their delectable menu items. There will also be chalk artists and possibly a live mural painting during the event. May this city continue to thrive and grow and always be a place of Progress, Innovation, and Opportunity.

heights for a healthy, sustainable, and equitable future.

Great Parks and Recreation Systems are built on strong planning efforts, a shared-community vision, and a bold, achievable implementation plan. This Parks and Recreation Master Plan is driven by community needs, wants and priorities. The plan should be visionary and aspirational, while providing clear implementation steps for the advancement of the Vision.

From Page 1A You

The City of Sunny Isles Beach has been diligent in its planning – developing bold, visionary planning initiatives to help advance a high quality of life for its residents. Throughout development of this plan, they have reviewed existing city initiatives surrounding transportation and infrastructure, urban design, economic development, conservation, sustainability, and resilience to establish long-term goals for the park system that align with and complement existing city priorities.

The Recreation Master Plan is currently in the Visioning phase of the project. After extensive public engagement to obtain feedback on the parks and recreation needs and priorities of the community, the project team is now working with the City to develop a long-range Vision to ensure the City’s parks, recreation programs, and community services meet the needs of residents now and in the future.

Virtual Open House

As part of the City of Sunny Isles Beach Cultural and Community Services Department’s efforts to reimagine the parks, recreation programs, and department services, the City utilized a Virtual Open House to present initial findings obtained by public input. The Virtual Open House and the project materials are still available for viewing.

The Virtual Open House can be accessed at any time, so feel free to share this link with your friends and neighbors and help establish your community Vision. You can visit the virtual open house at: https://oursibparksplan.com/openhouse/

Commissioner Fabiola Stuyvesant.

at: https://oursibparksplan.com/openhouse/

Right now, the City is investing human and fiscal resources into putting together a Parks and Recreation Master Plan for the next 10 years. In order for this plan to represent your ideas and interests, please complete the online survey and participate in the informative events to be held. For more detailed information, visit: www.oursibparksplan.com

One ambitious idea is the construction of a much-needed center for the performing arts in Sunny Isles Beach. I believe the best location for this colossal project would be the “square” piece of land at 367 Sunny Isles Boulevard located

Boulevard. To push forward such a pro ject, we would need not only the support of our residents but also the authorization and collaboration of different government entities. We must start with a use assessment and environmental review of the proposed area and extend to the other two vacant lots (farthest west and east areas of Gateway Park) for further use as well.

Another ambitious idea is the proper development and use of the area under the William Lehman Causeway to create an Outdoor Sports Hub with Tracks, Trails and Multi-Use Paths, Basketball, Volleyball, Tennis, Pickleball, Outdoor Fitness Equipment and more. Just imag-

ine having another safe place to stroll, We want Sunny Isles Beach to be rec ognized not only for the State-Of-The-Art High-Rises and wonderful beaches but also for superb Cultural, Recreational and Sports Facilities. You can contact Commissioner Fabiola Stuyvesant at: seat3@sibfl.net Or: (305) 792-1751.

For more information on the facilities, programs and services available through the Sunny Isles Beach Cultural and Community Services Department, follow the link below to the Department Website: https://www.sibfl.net/ccs/

One ambitious

Titan Restoration Inc. Is A Company That Cares

By Erika Cartwright

The only thing in life that is certain, is that anything can happen at any time. Such tragedies as; fire, hurricanes, and floods are real and do happen, bringing with them water damage and the potential for harmful mold and bacterial growth. Water damage can occur for several reasons, some you may not notice right away, such as sewer issues, a leaking roof, and clogged or leaking pipes, just to name a few.

During these times you need licensed professionals with a plan of action that can ease the stress and take the headache of dealing with the insurance company off your hands. Allowing you to focus on what is important to you in your time of need.

Titan Restoration Inc., formerly known as 1st Priority, is a trusted, licensed Cleaning, Water Damage Restoration, and Mold Remediation Company proudly serving all of southern Florida. The main office is in Broward County. Technicians are throughout; Collier, Lee, Martin, MiamiDade, Monroe, Palm Beach, and St. Lucie Counties, allowing them to arrive at the site within 45 minutes in times of emergency. With emergency calling 24/7, you are never more than a phone call away from friendly, efficient, caring, knowledgeable professionals.

Whether the water damage in your home or business was caused by a leaking pipe, roof, or major flood, Titan Restoration Inc. is here to help. To schedule non-emergency services or to request a free estimate please visit: www. Titanrestorationfl.com their user-friendly

To assess the situation Titan Restoration Inc. offers state-of-the-art leak detection, using infra-red cameras. This allows for non-invasive, non-messy leak detection. No need to tear up dry wall or floors just to find the source of the leak.

remodels, as well as a wide variety of other services. Throughout this process, Titan Restoration Inc. will be working with your insurance company every step of the way. You should never attempt to remove mold without a licensed professional, it is unsafe, and hazardous to your health.

experts at Titan Restoration Inc. to have you breathing easier, in a mold-free environment.

Once the mold has been identified, the mold remediation process begins. Titan Restoration Inc. will dry out the affected area using fans and dehumidifiers. Followed by thoroughly cleansing and

get your life back. With services such as emergency packing and storing of salvageable belongings, following fire or flood, and standing water removal also available, they handle it all for you from AZ. The cost is most often fully covered by your homeowner’s insurance, leaving you with no worries about chasing down reimbursements from the insurance company.

Face it, you have enough worries, this doesn’t need to be one of them. Titan

Once the leaks have been found, you will be referred to a trusted, licensed plumber. After the repairs’, State-of-the-art specialized equipment is used to detect moisture levels in the air, dehumidifiers are placed in the affected area, and a Florida-

Mold thrives in dark, damp environments such as under the kitchen or bathroom sinks, in unventilated basements, and closed in laundry rooms. It can even be found behind drywall. Because of the heat and humidity which Florida is known for, it

sanitizing the affected areas using antimicrobial agents effective for moldeliminating and prevention. HEPA air purifiers are used to capture any airborne mold spores, leaving you with clean air. Green cleaners are used for mildew removal. Since mold spores are airborne and invisible to the naked eye it is necessary to deep clean the air ducts, carpets, furnishings, and upholstery. Homeowners’ insurance covers the cost in most cases following water damage. These services are offered year-round, and it is recommended to have these done once a year to remove allergens, bacteria, dirt, and grime buildup that occurs naturally over time. These services are recommended more frequently if you have pets, suffer from allergies, or are a smoker, to ensure peace of mind and healthier living.

After the repairs are completed and your home or business is restored to its pre-loss condition, a Florida statelicensed Mold Inspector will be sent out to do a final inspection, to ensure all mold concerns were effectively eliminated. Titan Restoration Inc. takes pride in providing the best service experience to its customers from start to finish. Their goal is to have your property back to its pre-loss condition while taking the stress off you.

they are dealing with. Some molds are more toxic than others such as black mold, knowing the type, allows for proper precautions to be taken to ensure effective treatment and removal of the mold. Depending on the severity of the damages, drywall and flooring may need to be replaced to effectively rid your home or business of mold. Titan Restoration Inc. is a full remodeling and restoration company, specializing in kitchen and bath

This causes more damage to your home and health over time. People and pets all respond differently to mold and mildew. For some, it may be watery eyes, itchy throat, cough, or skin irritation. Confusion, disorientation, and even hallucinations can also be signs of mold exposure. For others, exposure to mold can cause very serious, even life-threatening health problems. When it comes to your health and the safety of your loved ones, trust the

Titan Restoration Inc. is a customer-friendly company that also specializes in kitchen and bathroom remodeling from drywall and baseboards to cabinetry and flooring. It is not necessary to have damage to your home, to call on Titan Restoration Inc. for all your remodeling needs.

For a free estimate call 954-280-6950, now offering 10% off a $350 service for out-of-pocket customers.

Titan Restoration Inc. is a trusted, licensed Cleaning, Water Damage Restoration, and Mold Remediation Company proudly serving all of South Florida

Titan Restoration Inc. is a customer-friendly company that also specializes in kitchen and bathroom remodeling.

2023 Youth of the Year: Boys & Girls Clubs of Miami-Dade Names Ariana Luis

Boys & Girls Clubs of Miami-Dade is excited to announce it has named Ariana Luis, (17), its 2023 Youth of the Year. A panel of community partners served as the judges to select this year’s Youth of the Year.

To achieve the title of Youth of the Year on any level, Club members must embody the values of leadership and service, academic excellence and a healthy lifestyle. They should exemplify the critical impact that Boys & Girls Clubs have on the lives of young people. The scoring includes candidate essays, an interview, a speech, letters of recommendation and overall application quality.

Luis, a junior at Miami Killian Senior High with a 3.8 GPA, has been a member of the Kendall Club since 2020. Since joining Boys & Girls Clubs of Miami-Dade, she has become an active member in school activities including the Art Honor Society, the Cambridge Program and the swim team. At the Club, she is the current President of the Kendall Club’s Keystone Chapter, regularly participates in park clean ups hosted by the Club and men-

tors junior youth members. Luis will be graduating in June 2024. She hopes to attend Columbia University or Florida International University and study international business. Her dream career is to be an ambassador for the United States and work on the international business side of diplomacy.

During her time at the Club, Luis has matured by placing her focus on her education, being a mentor to others and giving back to the community. Luis acknowledges the Club’s impact on her success.

“We are incredibly proud of Ariana for being named the 2023 Youth of the Year,” said Alex Rodriguez-Roig, President of Boys & Girls Clubs of Miami-Dade. “She has proven to be the model ambassador for Boys & Girls Clubs of Miami-Dade as she embodies the Clubs’ values including leadership, service and academic success. All of us at Boys & Girls Clubs of Miami-Dade congratulate her for her hard work and commitment to the Club and our community.”

Luis and 29 other teens from Florida Boys & Girls Clubs will be competing for

the 2023 Florida Youth of the Year title. The winner of the state title will receive a $2,500 scholarship, laptop and printer.

Every year since 1955, youth from various Boys & Girls Clubs across Florida have competed for the opportunity to represent Florida as the Florida Youth of the Year. The winner of the state title then competes in the regional competition. Five regional winners then move on, and one is named the Boys & Girls Clubs of America National Youth of the Year. The National Youth of the Year serves as both an exemplary ambassador for Boys & Girls Clubs youth and as a strong voice for all of the nation’s young people. He/she receives a new car courtesy of Toyota, as well as scholarships and cash totaling $60,000. The National Youth of the Year, along with the other four regional runners-up, then travel to Washington, D.C. and speak to members of Congress and meet the President of the United States.

To achieve the title of Youth of the Year on any level, Club members must embody the values of leadership and service, aca-

demic excellence and a healthy lifestyle. They should exemplify the critical impact that Boys & Girls Clubs have on the lives of young people. The scoring includes candidate essays, an interview, a speech, letters of recommendation and overall application quality.

For more information, please call: 305.446.9910 or visit: www.bgcmia.org, www.facebook.com/ BoysGirlsClubsMiamiDade, www.instagram.com/bgcmiamidade, www.twitter.com/BGCMia, www.youtube.com/user/BGCMiamiDade.