The 55 Guide - Florida Central Coast

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INSIDE THIS ISSUE: FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

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CO NTE NT S FEATURES 4

Senior Living

8

Investing For The Future

10

Destination Vacations

14

Saving For Retirement

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Local Event Guide

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29 Luxury Living 30

Recommended Service Directory

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g n i v i L r o i n e S

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RETIRE WITHOUT CHANGING YOUR LIFESTYLE

Today’s upscale senior communities offer “resort style living” which is hospitality-oriented and resembles a 4-star hotel or cruise ship rather than a hospital or retirement home. Amenities Some of the more luxurious communities at the deluxe level even feature lively bars with chandeliers and overstuffed pillows. More standard amenities include:

Activities: Education and Entertainment, Fashion shows, Lectures from retired professors and various social and cultural events which are all examples of regularly planned activities for residents at higher-end facilities. In urban settings, planned outings to the city for museums, art galleries or theater visits are frequent occurrences as well. Grounds-keeping: Luxury communities are beautifully designed on the outside as well, from gardens to ponds to putting greens and walkways. Many include well-appointed courtyards for residents to socialize, relax, or enjoy a meal. Concierge Service: Offering ‘Concierge Service’ is what makes a Senior Living community a Luxury one. Similar to a hotel concierge, a resident can use the Concierge to arrange hotel flights or tickets to events, a service that makes these luxury communities clearly more desirable to prospective residents and their families. 4

Modern Therapies: Assisted living communities offer personal care to their residents, and the best communities often offer top notch therapy on top of standard care. In addition to specialized pet and physical therapy, upscale communities often also provide top notch occupational therapy, and music therapy, and always from trained and certified professionals. Residences: The kitchen is the focal point of any home and it’s no different when looking at the residence at an Assisted Living community. A standard assisted living apartment has a kitchenette, traditionally including a mini-fridge, a microwave, and a small amount of cabinet and counter space. The luxury assisted living residences feature full kitchens and appliances plus top of the line finishes, like granite counter tops for instance. (. . .continued on page 6)



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Dining: An upscale senior living community will most likely retain a registered dietitian on staff and employ experienced chefs who serve gourmet meals. Choice and variety are crucial for the success of a kitchen at a luxurious community and most have more than two restaurants within the community, each with their own menus. Personal Fitness Trainers and Recreational Facilities: Recreation rooms are always available to use at the residents’ convenience, with computer labs, fitness rooms and cinemas. Fitness programs supervised by physical therapists and personal trainers are also kept on staff by any upscale community. High-end assisted living communities also provide full service spa treatments, beauty salons for the women and barbershops for the men. Additionally, no luxury assisted living community would be complete without a heated pool and spa, which are always popular with residents. Pet Friendly: Studies have shown that pet ownership has been shown to be beneficial to seniors, and more and more luxury communities are open to 6

allowing residents to have their pets on site. There can sometimes be limitations regarding the size and number of pets. They frequently provide pet care such as dog walking, nail clipping, grooming and litter-box changes as well as formal, certified pet therapy. Spacious Apartments: One can expect about 20% more square footage at a Luxury community (approx 600 sf versus 500 sf at a standard community). A Two bedroom apartment at an upscale community can be more than 1200 square feet. Clearly, senior living is not what it was years ago. And for the retiree with means, it can be a lively, active, and rewarding lifestyle full of growth and fun!



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INVESTING FOR THE FUTURE Not many people stumble into financial security through sheer luck: a lottery win, big inheritance, or huge stock winnings. For most of us the only way to financial security is a long term plan of saving and investing. Consistency is key to reaching long term goals no matter your income. The sooner you start saving and investing, the longer your money has to compound and grow. Set goals for how much of your income you will invest monthly and stick to it. Keep investment money and cash reserves separate so you won’t dip into your investment account when the market is down. Keep expenses low and spend on what is really important to you whether it is experiences or material things. Try to avoid the big mistakes, like buying a home that is more than you really need or creating a heavy debt load. If your employer offers a matching 401(k) contribution, be sure to take advantage of that option and contribute at least enough to receive it. It is essentially 8

extra income that will grow and compound and is not taxed until you withdraw it. You can do it yourself but it probably makes more sense to work with a financial advisor who is more knowledgeable about financial markets. An advisor will help analyze short term vs long term needs, separate emotions from objectives as well as help with devising a portfolio and strategy suitable for your needs. Investing consistently over the long term is the best way to grow your wealth as there is no way to time the market.


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FLORIDA CENTRAL COAST | V  OL. 1

TRENDING LOCATIONS TO VISIT THIS YEAR

Destination

Vacations

If you are looking for an exciting and affordable travel destination, consider the following locations. 1. Hawaii is a tropical paradise loved by all. It offers a rich marine life, unmatched underwater experiences, gorgeous landscapes, volcanoes, and interesting history. Of the six largest islands, Maui has the state’s most beautiful beaches - some with white sand and others with red or black sand. Oahu has Hawaii’s largest city and capital, Honolulu, which is known for Waikiki Beach and Pearl Harbor’s World War II memorials. The weather is perfect and there are endless opportunities for adventure. 2. Barcelona is both a beautiful city as well as a renowned beach town. It boasts a lively nightlife, lots of activities, and restaurants galore. There are amazing museums and galleries; Including the Picasso and Salvador Dali Museums, La Sagrada Familia, and other buildings by renowned architect Antoni Gaudi. Las Ramblas, the main walking street ends with a monument to Christopher Columbus honoring his discovery of the new world. 3. The Bahamas, which is made up of a series of islands, has the clearest turquoise water on the planet, as well as white sandy beaches.

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Underwater adventures abound dive for Spanish galleons, seek out the caves, or go sailing or fishing. The Bahamas offers a plethora of Ecotourism options, from bird watching to hiking. Nassau offers a few cultural sites like Ardastra Gardens and the Conservation center, in addition to being the capital city, but the Bahamas is great for island hopping as well. Or just pick one of the great resorts and relax at the beach. 4. Tel Aviv, known as the non-stop city, is a vibrant and exciting city on the Mediterranean Sea. It offers beautiful beaches, great cafes and restaurants, exciting night life and a 24 hour a day culture.

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History abounds and there are interesting museums including the Tel Aviv Museum and the Eretz Israel Museum which covers archeology, folklore, crafts and features an onsite excavation of 12th century-BC ruins. Tel Aviv is also the technology and financial center of Israel.



FLORIDA CENTRAL COAST | V  OL. 1

10 Year Countdown

To Retirement

Money See Where You Stand - It’s time to assess how prepared, or unprepared, you are financially for retirement. • Take a quick test: Assuming your retirement is about 10 years away, you want to have roughly seven times your current salary in savings, according to research from Fidelity. That puts you on the road to having about 10 times your final salary saved by retirement and maintaining your present standard of living. Retire before hitting 67 and you’ll need more saved; after, you’ll need less. • D . o a deeper dive: Plug your current numbers (such as earnings, savings and future pensions) into an online calculator to estimate your retirement income. Experts say you’ll need 75 to 80 percent of preretirement income to live well — debatable but a good starting point. • D . on’t despair: You have 10 years to act, by earning more, trimming expenses or delaying retirement. “Whatever you can do can only help,” says George Papadopoulos, a financial planner in Novi, Mich.

Save the easy way If you’re among the 82 percent of workers paid via direct deposit, save more by splitting your pay across accounts. Have your payroll department put part of each check into an online savings account, where it’s out of sight and out of mind. The direct-deposit users who split their deposits save up to $90 more per month than those who use another method to save, according to a recent study.

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FLORIDA CENTRAL COAST | V  OL. 1

Pad your nest egg If you already have significant savings in a 401(k), 403(b) or IRA, open a Roth IRA (in 2019 you can contribute up to $7,000 if you’re 50 or older), or put money into a regular taxable account. •

Why do it? You’re laying the groundwork for lower taxes later. Say you need a new roof on your house in retirement; If you take money from a 401(k) or traditional IRA, it is taxable as ordinary income, and you may end up in a higher tax bracket, explains Carolyn McClanahan, founder of Life Planning Partners. But you can pull your contributions from a Roth IRA tax free (earnings, too, if you’re at least 59½ and have had the Roth at least five years). You can also invest via a basic taxable brokerage account; when you sell securities, you’ll pay only (usually lower) capital gains taxes on the profits.

Pay down the mortgage The problem with a mortgage in retirement is that you may have to sell investments to cover payments. And sometimes that will be when the markets are down - the worst possible time to sell, says Shelley Giordano, chair of the Funding Longevity Task Force at the American College of Financial Services. Her advice: 1. In place of your monthly payments, make half payments every two weeks. Those 26 payments per year are the equivalent of 13 monthly payments, resulting in a faster payoff and lower total interest costs. 2. Got a tax refund? A bonus? A side job? Apply that to your principal. 3. Avoid refinancing your mortgage, since a new loan with a later payoff date means more of your monthly payment goes to interest expense, not an increase in your home equity. 4. Don’t use a home equity loan or line of credit for purchases. The new tax law makes that less attractive, says Giordano. And this is the wrong time to be growing your mortgage debt. 16

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Put new retirement savings to work Not sure where to invest additional money? Aim for growth, somewhere between a trip to Vegas and stuffing cash into your mattress. The sweet spot •. Balanced mutual funds: Seek a mix of stocks and bonds;

a 50/50 or 60/40 ratio of stocks to bonds is reasonable. • Target-date mutual funds: These balanced funds automatically adjust investments to lower risk as you age.

Conservative but sound • High-grade corporate bond funds • Money market accounts • U.S. government bond funds • Certificates of deposit and online savings accounts (See bankrate.com for Federal Deposit Insurance Corp.–insured banks offering higher rates.)

• Series I inflation-protected savings bonds (sold at treasurydirect.gov)

Work Prepare Your Plan B - Ask yourself these questions, and be honest. 1. Do I work in a stable and growing industry? 2. Do I work for a stable and growing company? 3. Is my heart still in it? Have you answered no to any? It’s time to update your LinkedIn profile and see what else is out there.

• Why do it: Only about half of workers cruise their way to a planned, voluntary retirement; the rest of us exit prematurely, often as a result of job loss or burnout. You still have time to regroup. “With 10 years to go, there is still enough runway to make a mark,” says career and retirement expert Nancy Collamer.

• .How to do it: You know the routine. Tell people who can help you. Sign up for job alerts on the go-to site in your industry. Browse the postings that interest you, and note the skills that employers are seeking.

• .Want to stay put? Get busy anyway. “Whether you drive a bus or work in a store or in a professional occupation, maximize your opportunities by building your capital,” Collamer advises. “Give talks or write articles to boost your profile, or take advantage of short-term training programs.” One option: Go to linkedin. com/learning and get online access to thousands of business, creative and technology courses for $30 per month. Miller, Mark and Powell, Robert, AARP (2019, Feb 6). Countdown to Retirement: 10 Years [Web log post]. Retrieved from https://www.aarp.org/retirement/planning-for-retirement/info-2019/10-year-countdown.html

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LOCAL EVENTS GUIDE FLORIDA CENTRAL COAST DECEMBER

NOV 23 - JAN 1 Space Coast Lightfest Mesmerize your eyes with over 3 million twinkling holiday lights and animated displays as you drive through Wickham Park for a virtual winter wonderland. This 1-mile drive is another favorite among locals and visitors alike, so tune into local station Lite Rock 99.3 FM for your holiday tunes and drive through the light fest as many times as you’d like. Plus, if you bring an unwrapped toy to donate to Toys for Tots, you’ll get a discount at the gate. www.spacecoastlightfest.com DEC 14 | Cocoa Beach Boat Parade Line the canals and celebrate Christmas on the river with a fantastic boat parade! Starting at Marker 101 near Centennial Park on State Road 520, enjoy the lights flickering off of the water and the creative displays on the boats as they cruise by. For more info visit: https://www.facebook.com/ events/1354865301318576/

JANUARY

JAN 11 - FEB 2 | Renaissance Fair Gather one and all for the 5th Season of the Brevard Renaissance Fair in Forest of Wickham Park in Melbourne, FL. A full cast of colorful characters fill the lands with music, 18

dancing, and more. With over 70 stage shows daily, varieties of foods and treats and numerous artisan merchants with handcrafted wares, the Brevard Renaissance Fair invites guests to immerse themselves in an unique experience of History and Fantasy! For more info please visit: https://brevardrenaissancefair.com JAN 22-27 | Birding Wildlife Festival Discover why Florida’s Space Coast is your launch pad to incredible nature-based experiences. The Space Coast Birding and Wildlife Festival features world class photographers, field trips, workshops and presentations. Florida’s Space Coast is one of the best birding locations in the United States because it is situated at the convergence of two zones — temperate and tropical — creating a natural diversity of unique habitats that attract varied bird species. For more info visit: https://scbwf.org/

FEBRUARY

JAN 31 - MAR 23 Luminous Wax Exhibit Explore encaustic, painting with colored wax, at the Studio’s latest exhibit “Luminous Wax” Nine guest artist present contemporary use of this ancient technique. Encaustic is an ancient technique, favored by the Greeks and Romans, using hot wax mixed with colored pigments. (. . .continued on page 20)



LOCAL EVENTS GUIDE FLORIDA CENTRAL COAST (. . .continued from 18) A resurgence in popularity finds artists using various ways to heat and manipulate the wax, producing dimensional effects, adding collage materials and layered effects. https://studiosofcocoabeach.org FEB 28 | 28 North Gastropalooza Join us for this first of its kind culinary event! Award winning Chef Kyle Hash from 28 North will face off against Food Network Chopped Champion Celebrity Chef Adam Allison in a three course culinary showdown! In between courses enjoy live music from Hot Pink, and the products of locally farmers, craft brewers and artisan food makers. For more info visit our facebook: http://bit.ly/flcc-feb28 FEB 28 | Belgian Beer Fest Our eleventh installment of Belgian Beer Fest is in the hopper! Enjoy 34 taps of rare and obscure Belgian beers (50+ different kegs in all) of the finest brews that Belgium’s best brewers have to offer. To complement the beer, Chef Cheyne and his kitchen will be cooking up some of Belgium’s most noteworthy and delicious food dishes. For more info visit: http://bit.ly/flcc-feb28-beer

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MARCH

MAR 4 | The Peking Acrobats For the last thirty-two years, The Peking Acrobats have redefined audience perceptions of Chinese acrobatics. They perform daring maneuvers atop a precarious pagoda of chairs and display their technical prowess at such arts as trick-cycling, precision tumbling, juggling, somersaulting, and gymnastics. For more information visit our event page: http://bit.ly/flcc-mar4 MAR 7 | Botanical Festival Melbourne Main Street is pleased to present our fourth annual Downtown Melbourne Botanical Festival from 8 am to 4 pm, Saturday, March 7, 2020. The Festival will be held in the parking lot of the 1900 Building, 1900 S. Harbor City Blvd in Melbourne. The event will showcase plant and garden vendors offering trees and plants, decorative items and more. http://bit.ly/flcc-mar7

APRIL

APR 3-26 | Titanic - The Musical The musical TITANIC examines the causes, the conditions and the characters involved in this ever-fascinating drama. This is the factual story of that ship—of her officers, crew and passengers, to be sure— but she will not, as has happened so many times before, serve as mere(. . .continued on page 22)



LOCAL EVENTS GUIDE FLORIDA CENTRAL COAST (. . .continued from 20) ly the background against which fictional, melodramatic narratives are recounted. The central character of our TITANIC is the Titanic herself. http://bit.ly/flcc-apr3 APR 4-5 | Annual Viera Wetlands Nature Festival The 11th annual Viera Wetlands Nature Festival is a family-friendly 2-day event at the Ritch Grissom Memorial Wetlands in Viera, Florida, proudly hosted by Brevard County Natural Resource Management Department and Utility Services. The event is a fundraiser, with eco-friendly and educational vendors, exhibits, classes, tours and workshops. Tours and classes will be offered with donations to support the maintenance of the site. For more info visit: http://bit.ly/flcc-apr4

APR 7 | Taste of Titusville The annual Taste of Titusville: Food Extravaganza and Business Showcase will take place on Tuesday, April 7, 2020 at Titusville Mall in Titusville. Sample food from Titusville area restaurants and meet and greet with representatives from 70+ local businesses. This year’s event is themed “The Roaring 20s”! titusville.org/event/taste2020 APR 25-26 | Cocoa Beach Uncorked Guests will enjoy flawless weather and fantastic bites and libations on Cocoa Beach, just south of the world-famous Cocoa Beach Pier, at Shepard Park. Tickets to the Grand Tasting Village will provide access to the Space Coast’s most interesting food, beer, and wine establishments and is the top choice for food, wine, and craft beer adventurers. cocoabeachuncorked.com/cocoa (. . .continued on page 24)



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MAY

MAY 1-3 | Annual Orchid Show This annual event is held in the air-conditioned Kiwanis Island Park Gymnasium and Annex. It is one of the larger orchid shows held each year in the state of Florida. The Show has been enormously successful and this year promises to be even better. For more info visit: www.platinumcoastorchidsociety.org MAY 20 | Acoustic Evening Concert Two of America’s premier singer-songwriters join forces for an acoustic evening backed by nothing but their superb voices, first-rate guitar playing and charming reminiscences. These elegant, captivating meetings between cherished friends and collaborators make for dynamic song-and-story swaps that are difficult to resist. For more info visit: http://bit.ly/flcc-may20

JUNE

JUN 20 | Summer Concert Series Classic Albums Live has become the ultimate destination for music lovers wanting to hear the greatest albums performed live without all the gimmickry and cheesy impersonations. Relying only on the music, using what Martin refers to as ‘the world’s best musicians,’ Classic Albums Live has defined itself as a mainstay in Performing Arts Cen24

ters across North America. For more info visit: http://bit.ly/flcc-jun20 JUN 12-14 | Pirate Fest The 8th Annual Cocoa Beach Pirate Fest will feature Arts & Crafts and Pirate Themed Vendors, ​Great Foods & Beverages, a Living History Pirate Encampment, Pirate Ships, Live Music & Entertainment, ​Interactive Treasure Hunts and activities for the kids, ​and two adult’s only parties. Pirate Party on Friday Night and the Pirate’s Ball on Saturday Night. www.cocoabeachpiratefest.com

JULY

JU 18-19 | Home & Garden Expo Whether you’re replacing, repairing or remodeling your home, garden and/or patio, there’s always work to be done on the home front. At Brevard Home & Garden Expo, you will find the area’s leading contractors, suppliers and home and patio/garden products to assist your with your home projects as well as special “show only” sales, deals and giveaways. For 1 weekend only, don’t miss this one-of-a-kind event. brevardexpos.com/homeandgarden JUL 11-12 | Indialantic Craft Festival Come join us for another wonderful craft show! Experience a great variety of products and vendors including food items, jewelry, plants, (. . .continued on page 26)


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LOCAL EVENTS GUIDE FLORIDA CENTRAL COAST (. . .continued from 24) art, and a huge variety of other crafts. For more information visit: http://bit.ly/flcc-jul11

AUGUST

AUG 15 | Dueling Pianos The City of Oviedo with community partner, the Optimist Club, presents Premier Piano Shows Dueling Pianos! This event will take place Saturday, August 15th inside the Cultural Center at Center Lake Park. Premier Piano Shows will provide the entertainment through the night. For more information visit: http://bit.ly/flcc-aug15 AUG 27-29 | Coke Zero Sugar 400 Be a part of one of the most anticipated races of the season as the stars and cars of the NASCAR Cup Series battle for victory under the lights. The Coke Zero Sugar 400 on August 29 is one of the cornerstone events on the NASCAR schedule. Serving as the regular-season finale, the 160-lap, 400-mile race will provide one last opportunity for drivers to qualify for the NASCAR playoffs. For more information please visit: http://bit.ly/flcc-aug27

SEPTEMBER

SEP 26 | Walk to End Alzheimer’s Held annually in more than 600 communities nationwide, the Alz26

heimer’s Association Walk to End Alzheimer’s® is the world’s largest event to raise awareness and funds for Alzheimer’s care, support and research. This inspiring event calls on participants of all ages and abilities to join the fight against the disease!. For more information please visit: http://bit.ly/flcc-sep26 SEP 24-27 | Jazz Festival The New Smyrna Beach Jazz Festival is one of Central Florida’s premier music events. It is a lively three day affair with great jazz, good food and lots of fun. Flagler Avenue has proven to be the perfect location, with concert goers going from club to club all day from the Atlantic Ocean to the Indian River. Through the years the festival has expanded to include Third Avenue, Canal Street, Atlantic Avenue and the North Causeway in New Smyrna Beach. http://nsbjazzfest.com

OCTOBER

OCT 15-18 | Biketoberfest Join us in Daytona Beach as we celebrate a full-throttle lifestyle born on two wheels. More than 100,000 motorcycle enthusiasts come together each year to enjoy beautiful Florida weather, live music, motorcycle racing at Daytona International Speedway, and miles of scenic rides along famous A1A, (. . .continued on page 28)



LOCAL EVENTS GUIDE FLORIDA CENTRAL COAST (. . .continued from 26) historic Main Street or the scenic Loop during this four-day rally. daytonabeach.com/biketoberfest OCT | Wichman Farms Fall Festival Join us at the Wichman farms as we put on the BEST FESTIVAL EVER! Here is what to expect: Petting zoo, 8 foot slide, Face Painting, Games & Crafts, Pumpkins & candy, Costume contest for kids & pets, BBQ & Bake Sale, and more! For more info visit: https://wichfarms.com

NOVEMBER

NOV (TBA) | Greek Festival Fully immerse yourself in Greek culture. For over 40 years, the annual St. Demetrios Greek Festival in Daytona Beach has featured authentic traditional Greek food, music, dancing and libations. Enjoy the sounds of traditional Greek music like the Hasapiko, Zeibekiko, Tsamiko, Sirto and Pentozali while the church’s Saint Demetrios Dancers perform folk dances in costume. A family-friendly, indoor and outdoor event, the annual St. Demetrios Greek Festival also boasts authentic Greek cuisine created from family recipes including gyros, fried calamari, pork souvlaki, moussaka, spanakopita and stuffed grape leaves. For more information visit: http://bit.ly/flcc-nov-greek

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NOV 7 | Jazzoo Featuring unlimited food from more than 50 restaurants, numerous open bars stocked with topshelf libations and performances from a diverse array of musicians across nine stages, Jazzoo is a night you won’t soon forget! Tickets coming soon. For more information visit: http://bit.ly/flcc-nov7 NOV 7-8 | Halifax Art Festival Art, Food & Family Fun awat at the Halifax Art Festival! From ceramics and basket weaving to watercolors and oil paintings, the Halifax Art Festival, held each fall in early November, celebrates seasoned as well as emerging artists and craftsmen. Featuring 250 juried artisans from all over the country, it is the second oldest continual art festival in the state of Florida. Peruse fine works of art on the riverfront under the shady palms of picture-perfect Beach Street in Daytona Beach where you’ll discover the delightful Riverfront Shops of Daytona Beach and local treasure Halifax Historical Museum. For more information visit: http://bit.ly/flcc-nov7-art


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LUXURY

LIVING IDEAS

Upgrading your home is only limited by your imagination and budget. Is it a luxury bath, fabulous kitchen, incredible master suite or home theatre that you desire?

KITCHEN Your kitchen is probably the heart of your home. This is where memories are made and shared as families love to congregate in the kitchen. The possibilities are endless. White is the most popular color for cabinetry but combining cabinet colors is the latest trend in kitchen design. Blues and greens are also becoming popular. Quartz is the latest for countertops and islands. Commercial-grade appliances, extra sinks and dishwashers all add to the luxury kitchen. Also popular are pizza ovens, appliance garages, warming drawers and under- counter refrigerators for wine and other drinks. If you have space, consider a butler’s pantry which acts like a second kitchen - great for caterers or just an extra space for food prep without disturbing the main kitchen area.

BATH For a luxurious bath, create a spa-worthy retreat. Consider heated floors and towel racks, a steam shower and a large soaking tub. Create a separate water closet for the latest in remote controlled toilets that feature a night light, bidet and self cleaning feature. Turn a great piece of furniture into your double sink vanity for a sophisticated look. And why not have a sofa and television for added ambiance. (. . .continued on page 31)

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RECOMMENDED SERVICE DIRECTORY

APPLIANCE REPAIR SERVICES Barney’s Appliance Repair........Back Inside Cover

HVAC Broward Factory Service........................................11

AUTO GLASS Super Glass Windshield Repair..........................27

INSURANCE Kerry Ravi...................................................................... 9 Professional Insurance Partners..................22

DENTIST Brown & Nawrocki............................ Front Cover, 1 ESTATE PLANNING Mara Law PA...............................................................27 Raymonda Chakhtoura PLLC.................................7 EYE GLASSES 20/20 Vision Center...................................................5 FAMILY LAW Raymonda Chakhtoura PLLC.................................7 FINANCIAL ADVISOR Altair S Watson.........................................................25 Ted Kuzma....................................................................21 GENERAL PRACTICE David Braun & Associates....................................... 9 HOME WARRANTIES Broward Factory Service........................................11

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LAW FIRM Kinsey, Vincent, Pyle ..............................................25 MOVING & STORAGE SERVICES Brand Transfer & Storage Company.................19 NON PROFIT ORGANIZATION American Red Cross....................Front Inside Cover Family Renew Community......................................7 OPTOMETRY 20/20 Vision Center...................................................5 PLUMBING Patriot Plumbing Service........................................ 9 PROBATE Mara Law PA...............................................................27

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MASTER SUITE Add a mini-kitchen which includes a small fridge and coffee bar along with a sitting area so that you can enjoy your wine or coffee first thing in the morning or at the end of the day. Fireplaces are another nice touch for a romantic setting. If your home is equipped with gas, they are an easy addition.

LUXURY

LIVING IDEAS

MOVIE ROOM If you have a spare room, create your own private theatre with a high-definition flat screen tv, surround sound and theatre seating. A popcorn machine and fridge for drinks are nice additions. 31


RECOMMENDED SERVICE DIRECTORY

REAL ESTATE Watson Realty Corp................................................................................................................................. 15 RETIREMENT COMMUNITY Victoria Park - Victoria Hills - Cresswind at Victoria Gardens................................Back Cover RETIREMENT PLANNING Rafael Velez................................................................................................................................................... 3 SKIN CARE TESTING Florida Skincare Testing......................................................................................................................... 13 SOCIAL SECURITY LAW Raymonda Chakhtoura PLLC.................................................................................................................7 TRAFFIC SCHOOL Sunshine Safety Council........................................................................................................................23 TRUSTS & PROBATE David Braun & Associates........................................................................................................................9 WILLS David Braun & Associates........................................................................................................................9 WINDSHIELD REPAIR Super Glass Windshield Repair.......................................................................................................... 27

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