Page 1



Marko Doors Andy’s Police Supply and a lot more...



Apr / May 2010 - Call 954-752-912 • 954-796-6000 - ADvisor

| 1

Pembroke Pines Mayor’s Message Happy Birthday Pembroke Pines: I know that it is hard to believe but on April 10, we will celebrate our 50th Birthday. The City of Pembroke Pines was incorporated in 1960 and started in a small City Hall in the eastern section at the Kipnis Center, named after the first Mayor of Pembroke Pines, Dr. Walter Smith Kipnis. We now have a Historical Museum at that site where you can go and learn about the history of Pembroke Pines. For more information on the history of Pembroke Pines, you can visit our website at http://www.ppines. com/history/index.html and see descriptions and photographs of times gone by in our great city. You can also visit the Pembroke Pines Historical Museum at 6700 SW 13th Street Pembroke Pines, FL 33023, Ph: 954/986/5049, email: pineshistoricalmuse Many years ago the City Commission levied assessments to all of the land owners to provide infrastructure in the event that people started to come to Pembroke Pines. Lo and behold, Hurricane Andrew decided to visit South Florida and, in the aftermath, changed the map for Pembroke Pines. We had a 65%

2 |

ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000

population explosion after Hurricane Andrew, and had we not taken the measures to have the infrastructure in place we could not have accommodated the new residents. The rest is history. At that point we were the fastest growing city in America and now we are basically built out with redevelopment in mind. We have come a long way and while we have had some hiccups this City continues to be the one that many people want to live in and raise our families. I ran for elected office in 1996, and as I went door to door campaigning, the issue of the day dealt with the fact that there were not enough schools to accommodate the new Pembroke Pines residents. We went to Broward County School Board and expressed our concerns, but even though we had partnered with the Board on previous occasions, we were flatly told NO. City officials went to Tallahassee to plead our case; the Legislature agreed, and we formed the Pembroke Pines Charter Schools. Our schools were the first municipally owned and operated charter schools in the country—a brave step since there were no models to follow. If you have any other questions or concerns, please feel free to contact me at (954) 435-6505 or Your Mayor, Frank C. Ortis

Miramar Mayor’s Message Dear Miramar Residents: Hello, Miramar! It is springtime and soon summer will be upon us. This will give us more time to get out and do something with the family and friends. What better place to go than one of the 36 parks and recreational facilities in Miramar! I thought that I would take a minute and highlight some of our City’s wonderful parks. Forzano Park One of my first introductions to the City of Miramar when I moved here 18 years ago was Forzano Park. I remember fondly heading to the park on Friday and Saturday evenings to play pick-up games of soccer. This 13-acre park facility, located on the corner of Douglas and Pembroke Roads has so much to offer. The Vicki Coceano Youth Center is located here. There are also three baseball and softball fields, mixed in with soccer and football playing fields. The most unique part of this park is the six sand volleyball courts. There is also a nice playground area here. This is really a fun park where there is so much to do.

fields, two basketball courts, two covered playgrounds, a volleyball court and four pavilions, but that’s not all! There are also two baseball/softball fields and the Aquatic Complex. It has an interactive water playground and beach area that is perfect for children. Watch out for that giant bucket of water! The pool at the Complex includes swimming lanes and a dive well. It’s really a great place to spend quality time with family and friends! These parks are just a highlight of the many park facilities that the City has to offer our residents and does not include the multitude of neighborhood and community parks with playgrounds, picnic tables and benches sprinkled throughout our City. If you would like more details on our parks and their locations, you can check out our Miramar Parks website at www. Our parks are clearly one reason why we say Miramar is the City of Beauty and Progress. I hope to run into you at one of our parks! Your Vice Mayor, Vice Mayor Troy R. Samuels Sincerely,

Ansin Sports Complex With its incredible track facilities, the Ansin Sports Complex is truly a state of the art facility, but it is more than just an eightlane rubberized track. There are so many things to do at this 25-acre park located next to New Renaissance Middle School on Miramar Boulevard between Hiatus Road and Palm Avenue. This park also has a beautiful 9,000 s.f. community center. In the community center, you will find a game room, multi-purpose room and a computer lab. Other amenities in this park include three basketball courts, a netball court, a cricket practice area and beautiful landscaping. Don’t forget to bring the little ones to play in the covered playground area! This park, which opened in February 2009, is really a super addition to our City facilities. If you have not had a chance to visit, you should plan to do so. Miramar Regional Park This is the crème de la crème when we are talking about park facilities in our City and what they have to offer to our families. Miramar Regional Park is located on SW 172nd Avenue and Miramar Parkway. It is right next to Memorial-Miramar Hospital. Regional Park has two cricket fields, four soccer/football

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor



Home & Garden

Designing Women

Kitchen Remodeling 101

Modernizing the Master Bathroom By Women Designing Kitchens at Royal Kitchen Designs Next to the kitchen, master bathroom makeovers give homeowners the biggest bang for their buck. Bathroom remodels, particularly master bathrooms, usually have a high return on investment and are generally considered one of the smartest home improvement projects you can do. According to Remodeling magazine’s “Cost vs. Value” report for last year, the average bathroom remodeling project delivered about a 70 percent return on investment. This means that if you sold your house within a year of doing the improvement, you would probably get 70 cents for every dollar you spent on the project. Not bad! If you are thinking about updating your bathroom, there are some things to consider in order to ensure your new space provides the optimum value, both in terms of pleasure and profit. Older bathrooms typically feature a large, cultured marble bathtub as the focal point of the room. This is very outdated. Not only that, because the tub is so oversized, the shower stall is usually very tight. To modernize the master bathroom, consider expanding the shower into a spacious, almost spalike space. Many homeowners seize the opportunity to install multiple shower heads, bench seating and other luxurious amenities. The bathtub can be replaced with a sleeker model, which can become a design element when accented with glass mosaic tile or a marble surround.

stash your products out of sight but within reach. Another option for those seeking a more modern design is a floating vanity. This style of cabinetry actually hangs off the wall, about a foot or so above the floor. It’s a great option if you’re going for a Zen look, or if you have fabulous flooring you want to highlight. Lighting is another place where today’s homeowners have choices. The pot-lights from years ago are gone, replaced by chandeliers and pendant lights. Even the old school vanity light bars are a thing of the past. The wall-to-wall mirrors many builders installed are also passé. New bathrooms tend to feature framed mirrors hanging above each sink. Speaking of sinks, many homeowners are trading their old ceramic bowls for beautiful vessel sinks. Available in a variety of colors, these little jewels can add the finishing touch to any new master bathroom. Royal Kitchen Designs is a full-service interior design and renovation company specializing in kitchens, bathrooms and luxurious living spaces. The company has been serving Broward and South Palm Beach counties for over a decade. From custom kitchens and beautiful baths to designer draperies, every Royal Kitchen Designs project receives the royal touch. With over 75 years of combined experience, owners Margie Levy and Eliane Berdah can turn any home into a castle. Call Royal Kitchen Designs at (954) 717-1805 to schedule your complimentary consultation.

A “must” for master bathrooms is a private toilet. Homeowners want privacy. If your home does not already feature a separate toilet room, consider capturing space from a closet or other area. Pocket doors are a great way to create privacy in small spaces. Medicine cabinets and cosmetic centers are also outdated features. Many homeowners choose to replace these with cabinetry towers. Sitting above the countertop and often times located between the sinks, these are a great place to 4


ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000

See Ad On Page 9

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor



Green Scene

Recycling Efforts Benefit Environment And Local Communities hancements, scholarships, field and mission trips, team uniforms and other worthwhile projects. Last year, materials recycled through the program generated more than $3.8 million for over 15,000 nonprofit organizations across the United States. Not only does the Paper Retriever program help nonprofit community organizations, but it also benefits the environment. Eighty percent of the paper placed in the program’s recycling bins is remanufactured into newsprint within a few weeks of collection. Through the program, about 450,000 tons of paper were recycled in 2009, saving 1.3 million cubic yards of landfill space. Every ton of paper diverted from landfills saves 4,000 kilowatt-hours of electricity, 7,000 gallons of water and almost 400 gallons of oil. For more information, visit Funds raised by recycling can be used for playground refurbishing, beautification efforts, scholarships and team uniforms.

Schools, churches and other nonprofit community organizations now have a chance to better the environment and earn money while doing so. Recycling is an important part of preserving our natural resources, and many community organizations strive to do their part to better the environment. Paper Retriever, a community-based paper-recycling program, offers partners rewards for doing their part. The simple paper-recycling program directly benefits the community as well as the environment. With more than 18,000 recycling bin locations in 23 major metropolitan areas across the U.S., community members simply have to donate their paper to raise funds. By placing distinctive green and yellow bins in highly visible areas, local nonprofits are paid for the recyclable paper collected and start receiving payments from the first ton of paper collected. The amount of money the organizations can raise through the Paper Retriever program is limited only by the amount of paper recycled through the bin. The funds can then be used for playground refurbishing, beautification efforts, library en6


ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000

Home & Garden

Budget-Savvy Home: Spruce Up On A Shoe String Even a bare-bones decorating budget doesn’t mean you can’t give your home a fresh look. “One of the easiest and least expensive ways to spruce up your home is to subtract what’s in it,” says Ginny Bean, publisher and founder of Ginny’s catalog and Here are a few of Bean’s low-cost, highimpact tips for giving your home a lift: Clear the clutter. Clear stacks of books and magazines on coffee tables and throws on couches. Put books on shelves and magazines in a rack or basket. Tuck the throws in the linen closet and pack away knickknacks for a few months. Rearrange the furniture. Try floating furniture in the room rather than hugging the walls. It’s a great trick for making the space feel different and less structured. Swap out an item in your living room for one in your bedroom, or slide something from the kitchen into the dining room. Spring for some color. A few touches of bright, saturated color can refresh any room and distract the eye from items that might be a bit dated. There’s no need to break the bank. Think about pillows and placemats to incorporate the colors you want.

way to create an inviting room environment. Seasonal scents such as lavender and lemon leaf add color, freshness and intoxicating fragrance. Go sheer. Replace heavy draperies with bright, lightweight curtains or sheers. Remake your bed. Put away that heavy comforter or quilt in favor of a lighter bedspread. Mix and match solid-colored fitted and top sheets with pillowcases in various patterns. Tuck the top sheet tightly all around and fold the edge at the head of the bed over your coverlet or blanket. Fold your bedspread down to rest across the foot of the bed. Add accent pillows to create an inviting, luxurious-looking bed. Assess your artwork. Is your wall decor light and bright or warm and cozy? Go for light and bright wherever possible. Plant an idea. Put at least one houseplant in every room. Fill a low planter or kitchen serving dish with potting soil and some grass seed. For more decorating ideas and products, visit or call (800) 487-9024 to request a catalog.

Accessorize. You can change your towels, shower curtain and bath accessories for under $100. Candles are another

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor

| 7

What’s Up Doc?

The Long And The Short Of Long-Term Care Insurance Here’s good news about life and health in the U.S. today: The average life expectancy, which was 65 about 50 years ago, is now well over 70. What’s more, the older you get, the older you’re likely to get. Once you reach 65, you can expect to live another 18.4 years. If you make it to 75, your life expectancy increases to 86.8. What that means, for many, however, is that getting longterm care insurance can be a good idea. Long-term care includes a wide range of medical and support services for people with a degenerative condition (say, Parkinson’s or a stroke), a prolonged illness (cancer) or a cognitive disorder (Alzheimer’s). Most people need such care in their later years, but younger people can need it, too, due to accidents or illnesses. The care can be provided in many settings including nursing homes, your own home, assisted-living facilities and adult day care. Almost half of all long-term care insurance benefits pay for home care. The care is not only chronic care but involves assistance with daily living-dressing, eating, traveling and housekeeping. Full-time, this can become very expensive; that’s why you need insurance. Important Things To Know 1.You must health qualify for longterm care insurance. Not everyone can. Because health changes, especially as you age, it’s smart to look into this well before

8 |

ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000

you reach retirement age (your 50s are generally a good time to start). 2.Long-term care insurance can be far more affordable than you think. There are many ways to make this protection affordable. 3.Rates (premiums) can vary significantly from one insurer to another. Speak with a knowledgeable professional to get the best protection for the best rate. 4.Health qualifications can also vary from one insurer to another. Be prepared to share information with an insurance professional. 5.You’re only going to buy long-term care insurance once. It’s almost never economically advantageous to switch, primarily because costs are based on your age at application. Mistakes To Avoid 1.Waiting too long to start planning. The sooner, the cheaper. 2.Believing it won’t happen to you. 3.Counting on government programs. 4.Not working with a long-term care insurance professional. Learn More If you have a relationship with a financial planner or other professional, you can ask for referrals to a long-term care insurance specialist. If you need to find a professional or if you’d like more information, you can find it at the National Association of Insurance and Financial Advisors Web site at Some 8 million Americans have long-term care insurance and about 400,000 new policies are issued each year.

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor



What’s Up Doc?

Protecting Children From The Dangers Of Pertussis Among diseases that can be prevented by vaccines, pertussis, commonly known as whooping cough, is one of the most commonly occurring in the U.S.-and infants are especially vulnerable.

and 6 years. To be fully protected, children need all five doses, say the experts at Every Child By Two.

Whooping cough is a highly contagious and potentially deadly bacterial infection that can strike at any age but is particularly dangerous for babies.

To further safeguard infants, the adults around them should be up to date on their vaccinations. Transmission by adults who are not vaccinated themselves is responsible for many cases among babies. In fact, half of babies with pertussis are infected by their parents.

In the first year of life, infants are more likely to suffer from pertussis and pertussis-related deaths than older age groups. In fact, babies younger than 1 year old account for nearly one-quarter of the cases and 92 percent of the deaths from pertussis in the U.S. Complications can include pneumonia and brain damage.

That’s why it’s so important for parents, family members and caregivers to talk to their doctor about getting the Tdap vaccine, which prevents tetanus, diphtheria and pertussis in adolescents and adults. Vaccinating the people around them creates a “cocooning effect” for babies and young children, who are the most vulnerable to pertussis.

One such victim was Gabrielle Romaguera, a perfectly healthy baby at birth. Less than a month later, she developed a severe cough, which became so violent she turned blue from lack of oxygen.

The Centers for Disease Control and Prevention (CDC) recommends routine vaccination for those considering pregnancy and for new mothers, both to provide personal protection and to reduce the risk of transmitting pertussis to their infants.

Gabrielle was treated for several weeks in the hospital. However, the damage caused by pertussis was too severe and eventually took her life. She was only 52 days old when she passed away-just seven days short of her first scheduled pertussis vaccine (DTaP).

Families should also proactively inquire about the vaccination status of health care workers coming in contact with their newborns.

Five doses of the DTaP vaccine are given to children to fully protect them against diphtheria, tetanus and pertussis at 2 months of age, 4 months, 6 months, between 15 and 18 months and then between 4



ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor

| 11

Family Matters

I’m Listening...

By Karen Kaplan MS, Ed, LMFT & Dr. Debbie Swayman, LMFT

Dear Debbie and Karen, I am a 21-year-old college student, and just found out that my mom is planning to get re-married this summer. My dad died when I was 14 years old, and it has been just me, my sister, and my mom ever since. Mom has been dating her boyfriend (Jim) for about 3 years, and although I really like him a lot, I am having a very difficult time accepting the idea of him living with us. I know this sounds very selfish, especially since I am away at school most of the time, but I can’t help how I feel. My sister is a junior in high school, and even though she’s the one that has to live with them, I’m having more trouble with all of this than she is. It’s not that I don’t want my mom to be happy, because I do, but I will really miss having it just “the girls” when I am home. When I tried to tell my mom how I was feeling, she got really upset and accused me of not caring about her happiness, only of my own. I am afraid that I am losing my mom over this, and all I want is for us to be close like always. Can you help us? C. G., Parkland Dear C.G., We would like you to know that what you are feeling is not at all unusual, and we commend you for being honest with yourself about your feelings, and reaching out for help. It makes sense that after living with your mom and sister alone for all this time, you are worried about what it will be like to have someone else living in your home. You stated that you “really like Jim’ and “want your mom to be happy”, which leaves us with little doubt that you will find a way to come to terms with this, and find a way to be truly be happy for your mother and Jim. It sounds like you, your sister, and your mom have a very special bond, and that you are afraid that her getting married again will change that. You said that your mom got “really upset” when you tried to talk to her about this, and we are wondering if perhaps you did not communicate your feelings in a clear way. We don’t think that you sound “selfish”, but perhaps it came across this way to your mom. It is important that you try to talk to her again, and explain that you love her and want her to be happy, but you are struggling with your own mixed feelings and need some reassurance from her that your relationship will not change. If you and your mom cannot work through this alone, we strongly suggest that you contact a family therapist. In fact, family therapy would probably be a benefit to all of you – you, your sister, your mom, and Jim – changing the structure of any family is not easy, and seeking professional help is often beneficial for everyone. At Family Therapy Associates, we specialize in working with “blended families” and have helped many families such as yours.

Karen Kaplan

Debbie Swayman

children - two boys of our own – ages 6 and 8, and a 15-year-old daughter (who I will call Jenna), from my husband’s first marriage. Jenna’s mom died when she was 2 years old, and I have known her since she was 4 years old, so I am the only mom she’s ever known. Jenna has been acting out lately; her grades in school have gone down, she is disrespectful to her dad and I, and she is constantly getting angry with her two younger brothers. My pediatrician suggested that we go to a Family Therapist, but I think since it is Jenna that is having the problem, she should be the one to go to a therapist. Who is correct, and what should we expect if we go to a family therapist? Frustrated Mom, Boca Raton

Dear Frustrated Mom, We agree with your pediatrician and believe that you would all benefit from family therapy. It is important that the therapist you go to understand the dynamics of your family, and get to know all of you and how each of you view the problem. The therapist will most likely want to meet with you and your husband alone at times, Jenna, by herself, at other times, as well as all three of you together. The younger children may or may not be involved in the process - this will depend on the individual therapist, and what develops as therapy progresses. As family therapists we believe that if one person in the family has a problem, everyone is affected. We look at the problems that an individual is facing in the context of the family – which means whether we see several family members at a time, or one family member alone, we consider the perspective of everyone involved. We are confident that you will find that therapy is much more effective, and problems are resolved much more quickly, when everyone involved is included in the process. At Family Therapy Associates, we work with families struggling with these kinds of issues often, and welcome you to call us at anytime if you have questions regarding your specific situation, or questions regarding the therapy process itself. FOR MORE INFORMATION; Email your questions to:, or The information provided in this article is not meant to be a substitute for therapy. If you are struggling with a problem, we advise you to seek professional help. Family Therapy Associates is located at the Coral Springs Professional Campus at the 5551 N. University Drive, Suite 202. 33067. Please call Family Therapy Associates, at 954-341-2555 or visit their website at

Dear Karen and Debbie, My husband and I have been married for 10 years. We have three 12 |

ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor



To The Point THE HOME AFFORDABLE FORECLOSURE ALTERNATIVE (HAFA) PROGRAM By Patrick Simm Homeowners struggling to sell their homes in a “short-sale” (in which the lender accepts a sale of the property for less than the full amount owed) are getting a sigh of relief, thanks in part to the federal government’s Home Affordable Foreclosure Alternatives, or HAFA, program. HAFA ̧ which is part of the Home Affordable Modification Program (HAMP), aims to help homeowners who are unable to qualify for a loan modification under HAMP by providing them with the option to pursue a short sale or deed-in lieu of foreclosure. To date, the majority of successful ShortSale transactions have taken months to complete. Previously, if the complex and lengthy process resulted in an unsuccessful short-sale the alternative for the homeowner was foreclosure. The HAFA rules took effect on April 5, 2009, expiring on December 31, 2012. HAFA created streamlined short-sale rules intending to speed up the short sale process while enticing borrowers and lenders to work together to avoid the act of foreclosure. According to the program guidelines, to be eligible for HAFA, homeowners must first apply for a loan modification through HAMP. Once a borrower is determined to be ineligible for a HAMP modification, the lender must offer a short sale in writing to the borrower within 30 days. Borrowers must then respond within 14 days to the lender’s short sale agreement. Every potential eligible homeowner (borrower) must be considered for the program before the borrower’s loan is referred to foreclosure or the lender allows a pending foreclosure sale to be conducted. If the lender determines that the borrower is eligible, the short sale or deed-in-lieu process will begin. Qualified homeowners are given pre-approved short sale terms prior to listing the property for sale. Prior to HAFA, homeowners often listed their home for sale without any idea of what the lender would ultimately accept. When a purchase offer is made, borrowers must submit the sales contract to the lender within three days, along with the buyers’ mortgage preapproval and the status of negotiations with other lien holders on the seller’s property. Finally, lenders must approve or deny the offer / contract within 10 days. HAFA rules also state that lenders must release borrowers from the obligation to repay the difference between the sales price and the loan amount. No deficiency judgments are allowed for a first or 14 |

ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000

second loan. The HAFA guidelines apply to lenders who voluntarily participate in the HAMP (Home Affordable Modification Program) program. The Department of Housing and Urban Development says more than 100 servicers have signed up to participate in HAMP, covering more than 90 percent of mortgage debt outstanding in the US. Other HAFA requirements include: • Property must be your principal residence. • Mortgage must have originated before Jan. 1, 2009. • Mortgage is owned or guaranteed by Fannie Mae or Freddie Mac. • Borrower is delinquent or default is foreseeable. • Homeowner must demonstrate financial hardship. • Borrower’s total monthly housing payment exceeds 31 percent of gross income. • Unpaid principal does not exceed $729,750. To encourage HAFA participation, the Treasury Department raised financial incentives under the program. Homeowners are now eligible for $3,000 in relocation assistance, and loan servicers will receive $1,500 to cover administrative and processing costs for a short sale or deed-in-lieu completed under the program. According to the Treasury, the foreclosure alternative options offered under HAFA reduce the need for potentially lengthy and expensive foreclosure proceedings and also help preserve the condition and value of the property by minimizing the time a property is vacant and subject to vandalism and deterioration. HAFA’s updated short sale rules establish and easy to understand process with predefined steps that make it easier for everyone to understand. If executed appropriately, the HAFA program will provide the relief needed to minimize the much anticipated foreclosure inventory of homes in the near future. With time, this should lead us back to a stable real estate market and economic recovery. Are you a distressed homeowner that needs assistance with the sale of your home? Call me at 954-709-8258 and as a Realtor trained as a Certified Distressed Property Expert (CDPE), I will help you with your impending real estate challenges. Please feel free to call me at (954) 709-8258. I will assist you with your real estate needs.

See Ad On Front Inside Cover

Real Estate

New Tax Credit Includes Current Homeowners Many current homeowners can now qualify for up to a $6,500 home buyer tax credit. The initial success of the $8,000 firsttime home buyer tax credit convinced Washington to expand the program and extend it until April 30, 2010. This extension, however, will be the last. Under the extended home buyer tax credit, current homeowners are eligible as long as they have lived in their present residence for five consecutive years within the past eight. Firsttime home buyers who haven’t owned a home in the past three years are still eligible for up to an $8,000 tax credit. Singles who make up to $125,000 and married couples who make up to $225,000 can qualify for the full credit. Those who exceed those income limits may qualify for a reduced amount. “The new provisions and modifications make an already enticing real estate market even more attractive and accessible. Interest rates are low and home prices are more affordable now than they have been in decades,” said National Association of Realtors® (NAR) Chief Economist Lawrence Yun. “There’s never been a better time for potential buyers to invest in their future through homeownership.”

demand, with multiple bids on properties becoming more common. According to the NAR Profile of Home Buyers and Sellers, first-time home buyers became homeowners in record numbers over the past year, comprising 47 percent of all home sales between July 2008 and June 2009. This flood of activity helped shrink housing inventory levels. Reduced inventory is a sign the market is returning to a more balanced state and helps sustain home values. Yun said that while the housing crisis isn’t over, the extended and expanded tax credit is a step in the right direction. “The bottom line is that the housing market is doing much better now than one year ago, and the home purchases using the tax credit should continue to reduce inventory to acceptable levels. The extension is a big win for consumers, but to take advantage of this rare opportunity, would-be buyers need to get the ball rolling and contact a Realtor® who can help them on the path toward owning a home.”

Many areas are already seeing a rise in home prices and

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor




The iPad, what it is, what it’s not and why you have to have one. By Dean Iodice Another revolutionary break through from Apple happened last month - the release of the iPad. In case you have not heard about it, the iPad is a tablet computer that will change the way we work and play. This device has received both positive and negative comments over the past few weeks, so I thought I’d share my thoughts of what it is and is not. The iPad is a new category in the computing field that falls between a laptop and an iPhone. Some say such a device is not for the general consumer and is for the techie computer geeks. Well I’m here to tell you differently - you need this device more than you might think. Let’s talk about what the iPad is NOT. If you are in the market for a new laptop computer and want to make the switch over to Apple ( but don’t want to drop $1400.00) - and you think the iPad might fit the bill at $499: I’ll say, maybe. The reason I say “maybe” is because it really depends on what you want to do with it. If all you do on the computer is organize photos, use the Internet and check email - the iPad could be a cost effective solution. However, if you write letters, compile heavy spread sheets & balance your check book, then perhaps you would be better served with a laptop. The iPad was not designed to replace a computer - in fact you really do need a computer to connect to the iPad. The computer is where you store your photos, music and backup and then just upload what you want to the iPad.

• An ebook reader with thousands of titles available. • Watch streaming movies from NetFlix. • Missed a show on TV, watched it using the ABC, NBC and CBS apps. • Trade stocks using the E-Trade app. • An interactive cook book in the kitchen. • Read your favorite newspapers and magazines. • The ultimate comic book reader. • Fantastic for students. • Type up a letter in a word processor. • Rent a movie online. • A digital agenda. The mapping app is great for directions and finding locations. The list goes on an on and with the development of more applications - the iPad will continue to fill a burgeoning list of everyday applications -making it the device of necessity.

I will say this- if you are going to buy one of those small netbooks, then stop right there. An iPad would be a better choice than a netbook. A netbook is nice because it’s small and designed for very basic computing. In reality, all netbooks serve is email and the Internet & quite frankly, they don’t even do that very well. Now let’s talk about what an iPad IS The sky is the limit for the iPad, (and because there are thousands of Apps available for download) - this device can do it all ! • A music player for MP3’s as well as streaming services like Pandora. • The ultimate game machine, (come on you know you like video games.) • The best device for surfing the Internet while relaxing on the couch. • A fantastic tool for catching up on email. • Re: presentations - there is nothing better. 16 |

ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor




Determination of Parentage – What are the rights of parents who have a child together but are not legally married? By Laura Schantz, Esq. Law Offices of Schantz and Schantz, PA Just because a Father’s name is on a birth certificate, does not make them the legal parent of a minor child. In order for a Father who is not legally married to the Mother of his child to be deemed the legal parent of the child a Judgment of Paternity must be entered by a Court of Law. Additionally, in order for a Mother to receive child support for a child the Father’s paternity must first be established by a Court of Law. The law specifically states that any woman who is pregnant or has a child, any man who has reason to believe he is the father of a child, or any child may bring proceedings in the circuit court, to determine the paternity of the child when paternity has not been established by law. Florida Statute 742.011.

tific testing to determine the parentage of the child. The test results are admissible in evidence to establish paternity.

The proceedings shall be in the circuit court of the county where the plaintiff resides or the county where the defendant resides. A child is entitled to receive child support upon birth. Furthermore, a mother may request child support up to twenty-four months retroactive to filing a Paternity Petition. In addition, a judge has the authority to order a father to pay reasonable attorney fees for the mother, hospital or medical expenses, cost of confinement and any other expenses incident to the birth of the child and to pay all costs of the proceeding. Child support is determined upon child support guidelines given to us by the Florida legislature. It is based upon the current income of each party.

The Law Office of Schantz & Schantz, 1555 N. Park Dr., Suite 103, Weston, FL 954-385-1536.

In the alternative, a father who wishes timesharing with a child whom he believes to be his and who also wishes to have shared parental responsibility or the ability to share in the decision making of the minor child may also file a paternity action to determine his rights as a parent. A man who has been adjudicated to be the father of a child has the same rights to timesharing and decision making for the child as does the mother and can have those rights determined in a paternity action. If you or anyone you know has a child and wishes to know their rights towards that child please feel free to set up a free consultation with our firm. It is important to the well being of a child to have a loving mother and a loving father active in their life whenever possible. Our court system attempts to make this possible.

A judge has the authority to consider the financial resources of both parties in order to determine the amount of attorney fees paid by each party. If a child is subsequently adopted the obligation of child support is terminated upon the adoption of the child. Should the mother of any child born out of wedlock and the father marry after the birth of the child, the child shall in all respects be deemed and held to be the child of the husband and wife as though the child was born during the marriage. Any person who knowingly and willfully provides false information regarding the paternity of a child in conjunction with an application for ,or the receipt of, public assistance for a dependent child commits a second degree misdemeanor. Should anyone refute the paternity of the child a court may order the child, mother and alleged father to submit to scien18


ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000

PUBLISHED BY KANE MEDIA INC. PUBLISHER J. Kane ASSISTANT TO THE PUBLISHER Ilene Ascher ADVERTISING SALES Patricia Lowe PRODUCTION/DESIGN studiosix creative, WEBMASTER Dean Iodice, studiosix creative CONTRIBUTING WRITERS Mayor Frank Ortis Mayor Lori C. Moseley Patrick Simm Karen Kaplan Laura Schantz Dean Iodice


P.O. Box 2009 Naples, Florida 34106 Ph. 954.752.9121 • fax. 954.752.9954

EDITOR DESIGN and PRODUCTION ADVERTISING The Advisor is published and direct mailed monthly to homes & businesses in Pembroke Pines, Miramar & Southwest Ranches. Additional free copies are available at locations throughout Pembroke Pines & Miramar & Weston and upon request by contacting this magazine. Total circulation is 32,000 verifiable by US Postal statements. Opinions expressed by the writers are their own and do not necessarily reflect the opinions of the publisher. The Advisor reserves the right to edit and/or reject any editorial or advertising content. The Advisor is not responsible for errors in advertising. Entire contents © 2008 by The Advisor is forbidden in any media without prior written permission from the publisher.

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor

| 19

Pet Lovers

Fleas And Your Pet

By Dr. Penny Kupferberg, Coral Springs Pet Resort

If you have a pet, you are probably familiar with fleas. Also, you are

Tapeworms are a common parasite associated with fleas. Though

probably familiar with the many commercials and advertisements

not transmitted by bites, fleas cause tapeworm infestations when the

that encourage you to purchase products to eliminate fleas or pre-

dog grooms and ingests a flea carrying the tapeworm larva. After in-

vent them from feeding on your pet. We emphasize flea prevention

gestion, the tapeworm larva continues to develop in the dog’s gastro-

(Frontline) in our practice. Fleas are more than just blood-sucking

intestinal tract. When developed, the head of the tapeworm will attach

insects. Fleas cause and transmit diseases in your pet.

to the intestinal wall and small egg filled segments periodically break off and are passed out the rectum. These segments are fed on by

Flea allergy dermatitis is the most common allergy in dogs and is

flea larva and the cycle continues. Though tapeworms do not usually

caused by flea bites. Though each bite from a flea can cause minor

result in illness in the dog, removal of the tapeworm is recommended.

skin irritation, some dogs can develop an allergy to the saliva of

Visit your veterinarian for a fecal and a dewormer.

the flea. One flea bite can result in significant irritation, itchiness, scratching, hair loss and aggravation. Most dogs and cats are al-

Flea bites can cause anemia. Fleas feed on blood. With many fleas

lergic to fleas

feeding at the same time, significant blood loss can occur. Blood transfusions, iron supplementation and hospitalization are frequent-

While antihistamines and steroids (prescribed by your veterinarian)

ly necessary. Some dogs may not survive flea bite anemia.

treat flea bite symptoms, they do not attack the problem. The best approach is to kill the flea and prevent its return.

Treatment for fleas are dependent on the following: • the degree of infestation

Fleas are bloodsucking insects with a lifespan of 6 to 12 months.

• whether you have both cats and dogs

South Florida’s temperature and humidity are the perfect breeding

• the time of the year

ground for fleas. Fleas are parasites. They pose a health hazard to

• area of exposure (yard or park)

your pet (and you).

• extent your pet has an allergy to the fleas • proper application of flea prevention medication Many products are available for the treatment of flea infestations. Not all products are safe and effective. The best flea products are obtained at you veterinarians office. In tough cases, a comprehensive flea control program may be needed that involves treatment of your pet, yard and house. Optimal treatment for your pet requires a combination of home and professional veterinary care. Follow-up is important especially in cases of flea-allergic pets. Make sure to administer all veterinary prescribed medications and follow preventative recommendations. Be certain to contact your veterinarian if you are experiencing problems treating your pet or the environment. Some microscopic eggs can live in the environment like the yard for weeks to months and cause re-infection. If your yard has a severe infestation, use products recommended by your veterinarian or call an exterminator. See your veterinarian today for your dogs supply of Frontline. Dr. Penny Kupferberg, DVM has been practicing medicine since 1988. She is the Chief of Staff and partner at Coral Springs Pet Resort and Medical Center 11555 West Sample Road, Coral Springs. Dr. Penny was voted “Best Vet In Coral Springs” and believes that healthy pets live longer, happier lives. You can reach her at 954-3414123.

20 |

ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000

CROSSWORD ACROSS 1. British business abbr. 4. Stuff 8. Use 13. Regal address 14. Pelt 15. Plunge into liquid 16. Straight beam 17. West Point, e.g.: abbr. 18. Initial phase 19. Seafood restaurant specialty 22. Chinese export 23. 1927 Warner Brothers movie invention 24. Serve 26. Scraps 29. Maui or Kauai 32. Wonderful 36. Agitate 38. African lily 39. December purchase 40. Auditorium necessities 41. Become exhausted 42. Actor Richard 43. Little one 44. Stitched joinings 45. Cooking instructions 47. Enamored, old-style 49. Listens 51. Small harbor 56. Museum display 58. Considered carefully 61. Courtroom figure 63. Golden Calf, for one 64. Fancy trimming 65. White poplar 66. Noted anthropologist 67. Big game 68. Musical instruments 69. Poet Teasdale 70. Respiratory or circulatory: abbr.

DOWN 1. Fall guy? 2. Follow 3. Bo __ 4. Milder drink 5. In a high tax bracket 6. Jewish month 7. Wounded soldier’s cry 8. Embraces as one’s own 9. Part of some German surnames 10. Kookaburra’s home 11. “¡Comprendo!” 12. “__ smile be your um brella...” 13. Use a sieve 20. Christian __ 21. Sends 25. Raise the spirits of 27. Playing card 28. Drenches 30. Standard 31. Poor grades 32. Suffix for old or pun 33. Encourage 34. Fruit bearer 35. “__, meenie,...” 37. Article 40. Cubic meter 44. Twinkler 46. Clergymen 48. Marcos’ wife 50. Diets successfully 52. Unhealthy lung sounds 53. “The Boot” 54. Body parts 55. Fruit drinks 56. Unclosed 57. Bumpkin 59. Brainchild 60. Wild animal 62. Stale



The ADvisor Pet Of The Month Favorite Food: Chicken Favorite Toy: Rubber Newspaper Favorite Person: Mommy

See Answers On Page 31

Should Your Pet Be Our Pet Of The Month? (PMA) Send an original photo to: CSPN News / Pines & Miramar Advisor - Photo of the month

P.O. Box 2009, Naples, Florida 34106

Name: __________________________________________ Animal: _________________________________________ Favorite Food: ____________________________________ Favorite Toy: ______________________________________ Favorite Person: _________________________________

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor



Out & About

Sagemont Students Dissect Computers

Students in 3rd through fifth grade at The Sagemont School are doing more than just working on computers; they are dissecting them. Inspiration for this unit came from a student comment that was overheard by Doris Quintero, Media and Technology Specialist, when she was teaching Kindergarten. “One of my students while practicing letter sounds using the computer, stopped working, knocked on the computer and asked, “who is in there?” After that incident, I knew I wanted to share with students information regarding machines and how they work. This year, one of our educational themes is Inventions and Inventors. This was a great opportunity to reprise my unit and concentrate on computers.” Dressed in goggles and gloves and armed with wire cutters and screwdrivers, the students have been tasked with disassembling old computers. After discovering the hard drive inside his computer, 5th grader Karl Ackermann said, “I never knew such a small part could power so much like a brain.” Upon removing the cover of the computer, 3rd grader Alexandra Kreitenstein exclaimed, “It looks like a little town from up high. “ She later discovered the part she was referring to as a town was the motherboard. After dissecting the computers, the children will move on to using their class set of computers to research the machine’s history, names of parts, who invented or patented a particular part and why certain parts are necessary for the computer to function. Eventually the students will disassemble other machines to find similarities in parts and create a mock invention of their own. Then they will an22


ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000

swer the big question: What would the world be like if the computer was not invented? Lower School Principal, Joann Laskin, said, “When students have the opportunity to see how something works from the inside out using the discovery learning process, they gain skills and information that will help them throughout their lives in school and beyond. This process emphasizes questioning, investigating, analyzing and synthesizing information.” Mrs. Quintero’s goal is for the students to have an understanding of everyday inventions with respect to how they work. They are seeing first-hand how something that seems simplistic on the outside can be very complex on the inside. The Sagemont School offers a college prep curriculum and operates two campuses in Weston, Fl. In Pre-K through Grade 5, The Sagemont School provides core concepts in a creative environment combined with weekly specials that include science, art, music, Spanish for non-native & native speakers, swimming, PE and media and technology. From middle school through graduation, Sagemont students choose from a variety of regular, honors and AP course work. In addition, students share in a networked wireless laptop environment and participate in a comprehensive guidance program for college entrance. Visit The Sagemont School Web site at http://

Winner Will Receive 1 FREE month at The Little Gym In Pembroke Pines

Briana Should your photo be our Photo of the month?

Winner will be chosen at random and will be published in the upcoming issue. Be sure to include your name, address and telephone number, as well as a caption for the photo. (PMA) Name: ________________ Favorite: Pastime:____________ Phone: ________________ Age & Gender: ____________ Send an original photo to: CSPN News / Pines & Miramar Advisor - Photo of the month

P.O. Box 2009, Naples, Florida 34106

Crossword Answer from pg. 29

We Want YourNews! If your organization has information it wants to get out, send it, fax it or e-mail it to the The Advisor c/o CSPN News 9373 West Sample Road, Ste 203 Coral Springs 33065 fax 954-752-9954 or e-mail We’d like to help get your word out! Material published on a first-come, first-served, space available basis.

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor




STUFFED MUSHROOMS Ingredients 1 pound 2-inch-wide stuffing mushrooms (about 14 to 16), cleaned 1 tablespoon unsalted butter 3 tablespoons extra-virgin olive oil, divided, plus more as needed 2 tablespoons finely chopped shallot 1/4 teaspoon kosher salt, plus more as needed 2 tablespoons Madeira 1 1/4 teaspoon chopped fresh thyme leaves 1/2 cup fresh breadcrumbs 1/4 cup finely grated Parmesan 1/4 cup creme fraiche 2 tablespoons finely chopped fresh flat-leaf parsley leaves Freshly ground black pepper 2 tablespoons water Directions Pop the stems from the mushrooms and reserve. Using a melon baller or spoon, gently scoop out any remaining stem from inside the mushroom caps. Set the caps aside. Finely chop the stems and bits from the caps (there should be about 1 1/4 cups).

stirring frequently, until softened, about 2 minutes. Add the chopped mushrooms and 1/4 teaspoon of salt, and cook, stirring occasionally, until all the liquid from the mushrooms has evaporated, about 3 minutes. Add the Madeira and thyme and cook until dry. Transfer the mushroom mixture to a medium bowl and cool slightly. Add the breadcrumbs, Parmesan, creme fraiche, and parsley to the mushroom mixture and stir to combine thoroughly. Season with salt and pepper, to taste. Preheat the oven to 375 degrees F. Lightly oil the bottom and sides of a skillet that is just large enough for the mushroom caps to fit snugly inside in a single layer. Pour the water into the skillet. Brush the outside of the caps with 1 tablespoon of olive oil. Set the caps, smooth side-down, in the skillet. Divide the filling evenly among the caps. Drizzle the tops with the remaining 1 tablespoon of olive oil. Bake until the mushroom caps are soft and cooked and the filling is browned, about 35 minutes. Remove from the oven and serve hot or at room temperature. Cook’s Note: If desired, reduce the pan juices and drizzle over the stuffed mushrooms before serving.

Melt the butter with 1 tablespoon of the olive oil in a medium skillet over medium-high heat. Add the shallots and cook, 24


ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000


Kids Need “Growing” Food For Bodies, Brains And Behavior Registered dietitian Tara DelloIacono-Thies says kids’ bodies aren’t the only things that need good food for healthy growth. Their brains are hungry for nutritious foods too.

syrup are used in many popular kids foods and offer no nutritional value. Look for foods without trans fat and highly processed sugars.

Recent reports from the Journal of the American Dietetic Association express concerns that kids are not getting the nutrients they need for physical and cognitive development.

As a general rule, developing healthy eating habits--such as eating breakfast each day and satisfying a sweet tooth with fruit-can have a major positive effect on a child’s physical growth and behavior. In addition, spreading foods out into three small meals and two small snacks through the day will give kids the energy to keep moods on a more even keel.

Kids’ bodies require a tremendous amount of energy to maintain a healthy growth rate. The best foods for growth include whole grains, fruit, beans, some meat and vegetables. All of these foods provide “growing” nutrients, such as folic acid, calcium, zinc, vitamin B6, vitamin B12, fiber, protein and carbohydrates. Intellectual growth happens as kids’ brains develop with the help of powerful nutrients found in grains, dairy and fish. Nutrients important for their cognitive development include iron, omega-3s, vitamin D, protein and whole grain carbohydrates.

If fresh fruits and vegetables aren’t readily available, the nutrients needed for growth can be found in certain packaged, healthy snack foods. For example, CLIF Kid Organic ZBaRs are baked, whole grain snack bars offering a good source of healthy carbohydrates, protein and fiber to help curb hunger and stabilize energy levels. ZBaR is also fortified with vitamins and minerals that kids need, such as calcium, vitamin D and iron.

Finding “growing” foods is easiest while shopping the perimeter of the grocery store, where the fruits, vegetables, meats and dairy are located. Here are some important tips that all parents should know when making food choices for kids: • Iron: Research at Penn State University found that a lack of iron can affect thinking. Low iron is associated with fatigue, depression, anxiety and decreased attention, responsiveness and memory. Foods rich in iron include lean red meat, dark leafy greens and fortified cereals. • Artificial colors and preservatives: Kids are eating more foods filled with artificial ingredients and few nutrients, which contributes to increased rates of malnutrition. Read the ingredient label and avoid foods with artificial ingredients. • DHA/Omega-3: A diet lacking in these healthy fatty acids can cause symptoms similar to iron deficiency. Foods rich in omega-3 include fish and fortified milk. • Calcium: A calcium deficiency can stunt growth now and increase risk of osteoporosis later. Foods rich in calcium include cheese, yogurt, milk and fortified orange juice. • Trans Fat and High Fructose Corn Syrup: Partially hydrogenated oil (trans fat is a by-product) and high fructose corn

Apr / May 2010 - Call 954-752-9121 • 954-796-6000 - ADvisor





ADvisor - Apr / May 2010 - Call 954-752-9121 • 954-796-6000


Pembroke Pines, Miramar Florida Neighborhood magazine

Read more
Read more
Similar to
Popular now
Just for you