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ELITE TAMPA BAY

NOVEMBER 2013


The Law Office O Don’t underestimate the importance of having a capable attorney that understands the unique challenges you face as a physician. Board Certified Criminal Trial Lawyer with over 25 years of experience in the following areas of law: » Medicare Fraud » Opoid Analgesic Prescribing Offenses » DUI & Drug Offenses » Kickback Allegations » Manslaughter

Call to schedule your free initial consultation 727-581-5813

The Law Office of

John Trevena

Board Certified Criminal Trial Lawyer

801 West Bay Drive Suite 509 Largo, FL 33770 727-581-5813 trevenalaw@aol.com www.trevena.com 2

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November 2013


Of JOhn Trevena

Disclaimer: The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. Office in Largo, Florida. November 2013

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November 2013


Luxury getaway on the world’s best beach What do you need in a vacation? Comfort without fuss? Warmth mixed with refreshing trade winds? Natural beauty? Excellence in service performed at a relaxed pace with a certain charm? Then make some time for the Turks & Caicos Islands, where your pulse rate is sure to slow down. Turks and Caicos is actually made up of over 40 islands and cays east south east of the Bahamas, spanning a distance of less than 100 miles from east to west and even fewer north to south. Just eight are inhabited, each reflecting distinct natural beauty, history and culture. Most visitors spend their time on Providenciales, the perfect place to unwind, but trips to the outer islands are highly recommended if you are looking to get a better impression of this small lively nation. Scheduled air flights and well organized excursions are readily available. Providenciales’ Grace Bay Beach consistently receives accolades as the world’s best beach. It was named after Grace Hutchings, an early visitor in 1892, in honor of her beauty, style and of course grace. This pristine 12 mile beach seems to have that perfect combination of fine white powder sand, expansive vistas, constant breezes and yet no crowds. The sea colors will stay with you forever; shades of Tiffany blue, turquoise, cobalt and more; and the sunsets are not to be missed. Many of the country’s most luxurious resorts are here, making for easy movement between one world class refreshment experience to another. Of course there’s nothing like becoming a ‘local’ in your own luxury resort, and one that has received the World Travel Award for the Caribbean’s Leading Boutique Hotel from 2005 to 2010 is Point Grace, Luxury Resort & Spa. The resort is appropriately named as it sits on the ‘point’ half way along Grace Bay Beach where with it’s expanse of white sand and untamed beauty you feel like you are on your own desert island. The resort’s magnificent suites, restaurants and spa are all inspired by classic turn-of-the-century British Colonial architecture creating a West Indian setting untouched by time. The islands are a divers feast with close to shore wall drops of up to 8,000 feet. Humpback whales pass by during Spring whaling season. Nature can be found in many forms from turtles to osprey eagles. Fitness lovers will find quality gyms, classes and watersports with expert tuition. Kite-boarding, triathlons, 5/10K runs, sea-swims are all pursuits to join in. Tennis, golf and horse-back riding are all catered for, again with experts on hand. Fishing from bone fishing to deep sea fishing is world class. There is plenty to do if you are looking to be active.

November 2013

World class chefs seek to impress you with their signature dishes creating a cosmopolitan fare, but Caribbean and nativestyle dishes abound with the fresh catch of the day and the country’s own Conch. Dining is everything from a simple to luxurious experience. You’ll find a huge selection of wines and drinks on offer too. Point Grace’s elegant gourmet restaurant, Grace’s Cottage, has specialized in pairing fine wines with inspired cuisine for many years now. Come, take time to enjoy cuisine at it’s best, in the best possible settings. Your body and soul have already entered a new dimension, where you feel energized but utterly peaceful. The Point Grace Thalasso Spa is all you need to further the restoration process. Treatments are European in style; Thalassotherapy using the islands natural resources and Thalgo products. The setting is truly West Indian; white washed exquisite cottages just set back from the natural beach dunes with inspiring sea views and breezes. Turks and Caicos is very accessible with many international flights. It’s just over an hour from Miami and two and a half hours from New York amongst many routes. Your first vision of the islands from the plane will be awe inspiring. You’ll finally know you are on vacation. Getting through the soon to be expanded small airport terminal is fine but a discrete courteous fast track VIP Flyers service is available; Turks and Caicos will give you the luxury you desire at every step. Those that live in the islands keep their history and culture close to their hearts, but they also move with the times and going-green, ecotourism and government-reform are all hot topics. There is certainly a pride in the islands that we do things our way, we don’t just follow others, and that gives the islands a spirit all to their own. If you chose to visit Turks and Caicos you’d very likely become one of our many return visitors, so we hope to see you very soon.

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Create Your Masterpiece Get Lost in the Flow of Color and Creation

We offer semi-private or small group painting classes that are only $39 and last 2-3 hours in duration. Each first-time painter only pays $19. For every 5 sessions, receive the next one FREE. • Total Immersion into The Artistic Experience • Work Side by Side with a Local Artist • Receive individual attention • Learn the art of Impressionism • Take home your masterpiece every time.

855-875-0222

204 East Tarpon Ave., Tarpon Springs, FL 34688 www.theartescapeTS.com www.stephenrhandstudios.com 6

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November 2013


INSIDE

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PROJECT SAVE-A-SMILE

30 PUERTO RICO

Best of the Caribbean

14 DRINK & RIDE 35 5-STAR LUXURY With Charm

25CRUISE EXPERTS November 2013

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HEALTHCARE and Taxes

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The Lawyer You Want on Your Side BUSINESS LITIGATION • Non-Compete Agreements • Partner Disputes • Shareholder Disputes • Stock Appraisal Litigation • Trade Secret Litigation 3110 Alternate US 19 North Palm Harbor, FL 34683 (727) 772-1941 (Pinellas) (813) 336-5228 (Hillsborough/Pasco) www.RobertEckardLaw.com State & Federal Litigation Practice

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THE LAW OFFICE OF

ROBERT ECKARD A S S O C I A T E S , P. A .

“We reserve judgment for the courtroom.” 8

We pay referral fees in accordance with the rules regulatin the Florida Bar. Elite Tampa Bay

November 2013


ELITE TAMPA BAY

Elite Tampa Bay November 2013 Edition

ADVERTISING ASSOCIATES JOHN PEREA JARED PIERCE

PUBLISHER

SALES SUPPORT STAFF LAURA LEIGH WALSH

THE CUSTOM PUBLISHING COMPANY CREATIVE DIRECTOR BRYAN CLAPPER EDITORIAL DIRECTOR KEVIN ANDERSON

NOVEMBER 2013

SPECIAL THANKS LOWRY PARK ZOO LOEWS HOTELS REEVE’S IMPORT MOTORCARS CHILLOUNGE

CONTRIBUTING WRITERS KATHLEEN THAXTON ADAM LONGAKER DOUG CARILLO GUS SHAHIN KATHRYN HOYT SANDRA HOLDER ALEXANDER HEALEY MELANIE ALEXANDER

www.TheCustomPublishingCompany.com November 2013

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November 2013


e l i m S a e Sav F

Giving foster children a reason to grin

ace-painting, inflatable slides with kids bouncing, a dunk tank, the smell of grilling hamburgers and music jamming in the background while everyone is relaxing and having a good time. Sound like a trip to your local dentist’s office? Probably not, however for a group of foster children in Saint Petersburg a few weeks ago this was exactly the case. The 8th annual Project Save-a-Smile took place at the St. Petersburg office of Dr. Ron O’Neal. Dr. O’Neal and his entire team provided digital x-rays, oral exams, cleaning and placing of dental restorations to foster children that have been identified as needy by several community foster children’s organizations. When the children get the dental care they so desperately need, it does more than save their smile—it shines up their self-esteem too. While waiting for their treatment, the children had an opportunity November 2013

to play with ducklings and bunnies at the Animal House Naturals Pet Center table, jump around in the Funny Business bounce house, try out their fast ball in the Tampa Bay Ray’s pitching booth and learn how to cast a fishing rod with Tampa Bay Outfitters. Breakfast and lunch was provided by Chick-fil-A and Cappy’s pizzeria for all of the children parents and volunteers. There was a St. Petersburg Police K-9 demonstration, a reptile show and line dancing tunes by Venturi Productions. Volunteers from the St. Pete High School Key Club and St. Pete Kiwanis club kept the event running smoothly.

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Project Save-a-Smile is a nonprofit organization founded by Dr. Ron O’Neal. Its mission is to provide dental care to foster children that they would otherwise be unable to have access to. Project Save-a-Smile is a nonprofit organization founded by Dr. O’Neal. Its mission is to provide dental care to foster children that they would otherwise be unable to have access to. Dr. O’Neal and his team prides themselves in creating an environment that is sure to excite the youth about their oral health both on the day of the carnival and in the future. Dr. O’Neal states: “I truly enjoy being part of helping someone redefine their smile. Having the opportunity to help a child 12

realize the important of oral health is paramount. I’d like to personally thank the generosity of all of our sponsors that made the event such a success for the children.” Project Save-a-Smile is always looking for volunteers and donations for its events. For more information please visit our Facebook page or contact Dr. O’Neal’s office.

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November 2013


Changing Lives One Smile at a Time!

Providing personalized care for your whole family Dr. Ron O’Neal

Call today for your appointment! South Tampa | (813) 253-5303 St. Petersburg | (727) 527-7207

| 3733 West Neptune | 33629 | 7401 Dr. M. L. King, Jr. St. N. | 33702

www.TampaBayFamilyDentist.com


Ride

Drink and

HAVE THE DRINKS AND SKIP THE DUI WITH A LUXURY CAR SERVICE

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ver 1.5 million people are arrested each year for DUI first offense. These people could be your neighbors, coworkers, friends, or even your family. Each experience is unique, but all share the same feeling — the shame and regret that comes from being convicted of driving under the influence. Or it could happen to you too. 14

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November 2013


The judge on your case will sentence you to a variety of punishments that may include fines, classes, probation, revocation or restriction of your license, and even jail. It’s important that you abide by this sentencing in order to fulfill your conviction and move past it in order to someday get your license back. The severity of your punishment will depend on the severity of your offense Once you get a DUI, there is a good chance that your insurance company will terminate your policy. If you still have your driver’s license, it’s important to always carry insurance. In most states, you’ll also have to file an SR-22, which serves as proof that you have the proper amount of insurance that is required by the state you live in. You will have to carry insurance and the SR-22 form for a minimum of three years. If your policy lapses, your insurance carrier is required by law to notify your state November 2013

licensing authority, which will likely result in the suspension of your driver’s license After you’ve been convicted of a DUI, you will likely lose your license for a period of time. Once you fulfill the suspension, you may be eligible to get a temporary or restricted license that will allow you to get back and forth to work and the alcohol program you will likely need to attend. To be eligible to get your license back, you must demonstrate that you’ve completed or are in the process of completing any punishment you’ve been sentenced to. You will also have to show proof of insurance to the state by filing your SR-22 form from your insurance company. Finally, you’ll have to pay any fee your state charges to reissue your license. Check with your DMV for any additional regulations your state may have

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Luxury Transportation Limousine provides chauffeured pick-up service in the Tampa area in luxury vehicles. to regain your license.

The cost of a DUI in Florida

Quick fixes like sucking on a penny, swishing mouthwash, a cold shower or a cup of coffee will do nothing to impact your BAC. The only way to get sober after drinking is to allow your body to process the alcohol you’ve consumed, generally at an average of one drink per hour.

A recent annual report shows that approximately 254,000 people suffered injuries from alcohol-related collisions.

Attorney Fees (average) $2,500 License Reissue Fee $150 Driving/Alcohol-Awareness School $200 Jail-Cite-and-Release Fee $10 Blood/Breath Testing Fee $37 Alcohol-Abuse Education Fund $50 State Restitution Fund $100 Penalty Assessment $600 Auto Insurance increase $3,300 to $6,000 Minimum Fine $500 The Cost of a first time DUI $7,447 to $10,147

An estimated 20-25% of U.S. drivers admit to driving after drinking within the past year.

A night out in a limousine will only cost you 8% of the cost of a first DUI.

Of those people, 5% believe they were legally impaired at the time. When you break that down by the 208 million registered drivers, there are 2.6 million drunk drivers on the road every year.

Luxury Transportation Limousine will get you home safe and we will make your travel as comfortable and discreet as possible.

A BAC level as low as .02 can impact you’re driving and increase the likelihood of an accident. Beginning at .05 BAC level, your chances of an auto accident increase significantly

The legal blood alcohol content limit is currently .08 in all 50 states, as well as the District of Columbia and Puerto Rico. Drivers with a BAC of at least .15 account for more than half of all the alcohol-related traffic deaths. 16

You can enjoy another night out, see you grandkids growup or be there for your daughter to get married, you will be able to get to your job the next day, and your kids will not find your “MUG SHOT” online!!! And that is priceless!

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November 2013


Arrive in Style. Luxury Transportation Limousine (LTL), your preferred chauffeured car service, exclusively serving the greater Tampa Bay, Orlando and Sarasota areas. LTL provides safety, quality of our service, exceptional value, and peace of mind. We provide reliable and consistent ground transportation. Professional, Discreet, Knowledgeable, Fully Uniformed and Well Groomed Chauffeurs. Our staff is extremely familiar with the local areas. We make your travel as seamless, comfortable and discreet as possible. OUR VEHICLES OFFER COMPLIMENTARY: Wi-Fi, Samsung Tablet, TV-DVD, CD player, Sirius XM radio, reclining/cooling & heating chairs, own controlling panel, privacy automatic window shades, sparkling or spring water, snack, mints, hand sanitizer/lotion. We are very organized and proactive in our approach to running this business. We strive to do things better and smarter, so we invest in our technology, training and pay attention to the little things in order to truly own your customer experience.

On-Time Pick Up Guarantee!

Serving Tampa Bay area, Orlando and Sarasota 727-580-0344

LuxuryTransportationLimousine.com


PROVEN SUCCESS IN WHAT SOME CALL “IMPOSSIBLE.”

AT JD NOBLE REALTY THERE’S ALWAYS A SOLUTION!

◊ Short sales of multimillion dollar properties

David McGinnis Licensed Real Estate Broker o: 813.712.7402 m: 727.678.6767

◊ Selling properties for more than the appraised value ◊ Finding properties for Buyers that are not in MLS ◊ Beating out large hedge fund cash buyers with financing offers

If you need specialized help in the most complex real transactions, call now for a free consultation.

Jeffrey Axen Realtor o: 813.892.4470

Spencer Higgins Realtor o: 321.527.8730

Colleen Neelon Realtor o: 813.748.3070

www.JDNobleRealty.com 813-712-7400


BROWNSTONES OF SOHO 2210 Soho Bay Ct., Tampa

Newly renovated 4-story townhome 3 bedrooms, 2 ½ baths, 2 car tandem garage 1695 square feet, Built in 2007 One of the most sought after town home communities in SOHO! Call now! (813) 712-7400

PALMA CEIA INVESTMENT OPPORTUNITY 3003 W Palmira Ave Tampa Duplex 1br/1ba and 2br/1ba 1263 sf on corner lot This property is in excellent condition A rare find in one of the most desired areas of South Tampa Call now! (813) 712-7400

LUXURY RENTAL COMMUNITY – BELL CHANNELSIDE 1120 E Twiggs St Tampa

Upscale community loaded with amenities 1, 2 and 3 br floor plans to chose from Built in 2008 and recently remodeled Channelsides premiere rental communites Call now! (813) 712-7400

ARE YOU A REALTOR WHOSE CURRENT COMPANY IS HOLDING YOU BACK? Does it takes too long to get simple answers? Has your time been wasted by a lack of support? Have the strategies for generating business worked? Do you feel that everyone in your office is out for themselves? Have you realized you could be making more money at another company? It’s time to explore your options!

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^ hair

Dry, brittle hair? Months of sun, surf, and pool. Your locks have taken the brunt and it’s time to give them something back. As the summer winds down, it’s time to regain control of your precious hair and transform it back into sexy-shiny hair.   Where do you start? Start with a demineralizing treatment, this removes unwanted chemical, heavy metal residues, and build up. Think of all the times your hair was in the pool or ocean soaking up chemicals and pollutants this summer! There are many in-salons options and treatments available or you can try using a small amount of baking soda added to your shampoo at home. Follow with a deep conditioning treatment, or nourishing hair mask to moisturize and soften your hair. Look for products containing glycerin, shea butter, and keratin protein --- apply midstrand to ends weekly. Also, try adding coconut oil to your beauty routine, a dab on the ends once or twice a week will help maintain a good balance of moisture.    What’s next? Trim your ends! Removing dead and broken ends is imperative. It allows hair to grow without the splits creeping up, making it unmanageable and prone to breakage and frizz. Regular trims help hair to be more manageable, beautiful and aid proper growth.   Too hot? Avoid excessive heat styling. When you must, apply a heat protector. This will seal the cuticle and add shine. Follow with your favorite styling technique and you will be well on your way to beautiful, healthy hair.


AFRICA

ASIA

EUROPE

LATIN AMERICA

MIDDLE EAST

NORTH AMERICA

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DISCOVER T

Panama

he JW Marriott Panama Golf & Beach Resort sits in the heart of Cocle, Panama, in the luxury community of Buenaventura. The premier hotel offers the ultimate in beach vacationing as well as high-end amenities and services aimed at pampering every guest.

The Panama resort features 109 rooms and nine suites on four floors along with four meeting rooms with 3,918 square feet of flexible space, a number of onsite restaurants and bars, full-service spa, 18-hole golf course, state-of-the-art fitness center and outdoor pool and whirlpool. Tamarindo features international cuisine with a focus on locally sourced ingredients and is open for breakfast, lunch and dinner. While Prime 19 focuses on serving juicy steaks for lunch and dinner in a relaxed atmo-

sphere, Tai Kai offers Japanese plates in a casual dinner setting. El Faro reaches out to guests in the pool and beach areas with lunch and dinner options. Solera Pool Bar features a swim-up wet bar serving the most thirst-quenching concoctions around, and Bar-alago provides a variety of top-shelf liquors and a wide assortment of wines. The Panama resort will surround guests in opulence when they experience the luxurious Panama beach accommodations with Spanish colonial dÊcor, hardwood floors and soft, inviting hues. Rooms feature private balconies and gardens, and some have ocean views. Down duvets and Egyptian cotton linens on one king or two double beds ensure a sound night’s sleep, while marble bathrooms with soaking tubs, premium bath products, plush bathrobes and terry slippers pamper all guests. High-speed Internet access, 42-inch LCD TVs, iPod docking stations, in-room coffeemakers and irons and ironing boards are among high-end luxuries travelers can expect from the JW Marriott.


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Timed.to.coincide.with.the.first.flourish.of.spring1.CruiseKatz.in.concert.with.CMV.has.scheduled.a.leisurely. cruise.and.tour.package.to.tantalize.Museum.Goers.and.Garden.LoversS..On4board.the.Marco.Polo1.visiting. the. bulbfields. of. Amsterdam1. the. Gothic. beauty. of. Antwerp1. and. the. artistic. allure. of. MonetFs. home. and. gardens.in.France.are1.in.part1.the.planned.itineraryS Leaving.London.on.March."/th.returning.on.April.5th.:/7E1.this.cruise.and.tour.package.will.prove.to.be.the. best.idea.for.raising.funds.for.your.favorite.museum1.art.studio.or.garden.societyS..To.reserve.your.stateroom1. please. contact. Kathryn. or. Sandra. at. CruiseKatz. 4. contact. them. personally. at. ks@cruisekatzScom. @. "5:4:7747"//. or. go. directly. to. their. website:. wwwScruisekatzScom. click. on. the. -Links-. tab1. then. select:. Springtime.Fundraising.Cruise@Event.to.make.your.own.plansS Day Port R 1 2 R 3 R 4 R (Belgium) 5 R 6 R Cruise & Maritime Voyages@aaaleaderainadestinationacruisingafromatheaUnitedaKingdomaofferingatheabestaofaNorthernaEuropea featuringatheamajesticaBritishaIsles@aScotlandaandaIreland@aIceland@aandathearegalaBalticaCapitals/aaWeaofferaaarangeaofacruise aprogramsaincludingaaaspectaculara0-anightavoyageatoatheaAmazonaandaWestaIndies/aaWeaareaalsoapleasedatoaannounceaoura entryaintoaAustraliaaforalatea-527athroughamid.-520/

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CruiseKatz TAMPA’S VACATION EXPERTS

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hat do you think of when you hear the words Vacation or Travel? Palm trees, beaches, cruising, “bucket lists,” airplanes, shopping, and dining? What you should be thinking about is Who to contact…CruiseKatz is “THE” Agency that will provide you with the best services in any type of group vacation planning, group business trip planning, destination weddings, honeymoons, reunions, or seminars at sea. Most cruises/tours are open to outside guests, some tend to be fund raising events, and are planned a year in advance of departure. So, please invite yourself to any of the cruise/events you see when you visit our website – you will be most welcome! November 2013

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If you have on your “bucket list” to visit the Holy Land then you are in luck, because CruiseKatz has made arrangements for a Holy Land Christian tour during the Christmas Season.

CruiseKatz sets themselves apart from the rest of the travel agency industry by specializing in certain aspects of travel rather that the entire industry. Specializing allows CruiseKatz to hone in on your needs and make it happen for you, your family, your group, or your business. Because they are home based in nature, they are flexible in meeting you at your convenience where ever you like. That makes for a more secure, comfortable relationship. On the books for CruiseKatz are several great trips to choose from. The first one on the calendar is the philanthropically inclined cruise/tour sailing aboard the CMV Marco Polo from London to Amsterdam, Belgium, and France. While on this trip you can visit castles, gardens, museums; shop in Antwerp, London, and Paris (if you wish), or just relax on board a river cruise in Amsterdam. The dates for this fundraising cruise are March 28 thru April 4, 2014. Your fundraising dollars can be allocated to whatever charity you prefer, however we are suggesting art museums, studios or galleries, or garden clubs, because that is the theme of this cruise/tour event. There are no cruise companies which offer an All-Inclusive cruise/ land tour combination of Alaska; however CruiseKatz has planned for this type of trip. You will begin with a 2-day tour in Vancouver, Canada. Sailing for seven nights on the Holland American ms Oosterdam on an 1,100 mile inside passage voyage to Seward, Alaska. Upon arriving in Seward, you will board a Cruise Train and spend five days on an Alaska Interior Land tour; ending 26

in Fairbanks – with a stop in the Denali National Park. The departure for this All-Inclusive 14-day trip is May 23, 2014. This type of trip works well for those businesses that want to combine a conference with a vacation. Families would be able to go, too. If you have on your “bucket list” to visit the Holy Land then you are in luck, because CruiseKatz has made arrangements for a Holy Land Christian tour during the Christmas Season. This All-Inclusive 8-day pilgrimage begins Dec 1, 2014. Be prepared for an awe-inspiring experience. You will be visiting Mount Carmel, Nazareth, Mount of the Beatitudes, Jordan Valley, the Dead Sea, City of David, and Bethlehem; to name a few. Just imagine standing where Jesus was born and walking the same streets as He and his disciples. Touring the Holy Land would be a wonderful pilgrimage for a pastoral assembly, as well. CruiseKatz can plan and produce a business/vacation/event just for you. Exactly what does that mean for you? Let’s say your company or organization wants to plan a seminar or conference – why not plan this it on board ship instead of in some stuffy hotel room? Attendees can both learn important career information at the seminars while sailing and enjoy a relaxing vacation visiting ports of call. The best part: they can bring their family! CruiseKatz is helping members of the Event Planners Association to do just that. Watch www.cruisekatz.com for future cruises, for example trips down the Amazon and through the Panama Canal.

Elite Tampa Bay

November 2013


The Affordable Healthcare Act & How It Affects Your Taxes

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here were three key changes you should know about how the Affordable Care Act (ACA) can affect your individual income tax return. There will be additional changes going forward, so specifically, we are looking at tax year 2013. There was only one tax law that changed for 2013 that affects taxpayers of all income groups, the change to deductible medical expenses when a taxpayer is itemizing deductions. Only medical expenses that exceed 10 percent of your adjusted gross income (AGI), often referred to as the “medical expense deduction floor”, will be allowed as a deduction. (Taxpayers who are age 65 or older in 2013 still have a medical deduction floor of 7.5 percent.) This change will affect all those who itemize deductions and claim a medical expense deduction. So, if you typically claim this deduction, you’re going to want to watch for this change. The other two changes for 2013 are the ones that you need to watch out for, as they affect “high income” taxpayers. The new laws require you to pay an additional 0.9% Medicare tax when there is an earned income of more than $200,000 for Single, HOH, or Qualifying Widow Taxpayers or $250,000 for Married

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filing jointly taxpayers and $125,000 for Married but filing separately taxpayers. This change affects both wages and selfemployment income. If your wages are $200,000 or greater the additional taxes will be withheld from your pay regardless of your filing status. If you are going to be affected by this change you may need to make estimated tax payments or adjust your withholding to ensure that the additional taxes don’t trigger a balance due when filing next year. You can submit a Form W-4 to your employer to increase your income tax withholdings. If there are going to be additional Medicare taxes withheld and you won’t be subject to the additional taxes at the end of the year because you have a loss from a business or are filing jointly and have total earnings of less than $250,000 you have to wait to file your return to receive a refund of an excess taxes that are withheld. Typically, employers cannot refund the taxes. For 2013

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November 2013


IRS is developing a new Form 8959, to calculate any additional Medicare tax that may not be owed or excess tax paid. The excess taxes paid will be a refundable credit when reported on the tax return and any of the remaining tax will be issued as a refund after all federal tax liability has been satisfied. The next change, and perhaps one of the most confusing one for high income taxpayers, is the new 3.8 percent Medicare surtax on Net Investment income. Taxpayers with an income of greater than $250,000 if Married Filing Jointly, $200,000 if Head of Household, Single or a Qualifying Widow and $125,000 if Married Filing Separately will owe the new tax on Net Investment Income (NII). NII includes investment income such as interest, dividends, capital gains, passive income, and rental or royalty income. The tax is assessed on the smaller of the total NII or excess income greater than the income thresholds. Sound confusing? It is. Here’s an example. Timothy is a single taxpayer with an AGI of $225,000, consisting of $180,000 in wages, $30,000 in retirement income and $15,000 in net investment income from interest, dividends and passive income from an S-corp. $25,000 is subject to the surtax which is determined by subtracting the $200,000 threshold amount from the $225,000AGI. When comparing the excess income of $25,000 to the net investment income of $30,000, the excess income is lower, therefore the excess income of $25,000 will be subject to the 3.8 percent Medicare tax

November 2013

Taxpayers will determine any applicable Medicare tax on the new Form 8960, Net Investment Income Tax--Individuals, Estates and Trusts, when they file their income tax return. Taxpayers whose AGI may exceed the threshold amounts and who have investment income may need to adjust their withholding or make estimated tax payments to ensure the new Medicare tax on investment income doesn’t trigger a balance due when filing taxes next year. The good news for the vast majority of taxpayers is these particular new rules for 2013 will have very little impact. The BAD news is that if you are impacted, you will owe more tax. Further bad news for those impacted is that for some taxpayers, you may owe BOTH new taxes, and even more bad news, may owe taxes at a new HIGHER tax bracket and capital gain tax rate that were introduced in the American Tax Relief Act of 2012. The NEW highest tax bracket for very high income earners that is 39.6 percent and a new 20 percent capital gain tax rate applies to the same very high income taxpayers. So possibly a quadruple whammy tax increase if you are a very high earner with net investment income. Finally if you had medical expenses, you could find yourself with a potential tax increase due to the decrease in medical expense deduction from the increase in the medical deduction floor. But as I said, that scenario will only be for a limited population of taxpayers, but it certainly will be a bad April 15th for them. So, if you’re affected, or even just think you’re affected, talk to your tax professional to make sure you plan accordingly.

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Puerto Rico

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uerto Rico, officially the Commonwealth of Puerto Rico, is an unincorporated territory of the United States. It is located in the northeastern Caribbean, east of the Dominican Republic and west of both the U.S. Virgin Islands and the British Virgin Islands.

Puerto Rico is only 100 miles long by 35 miles wide, making it the smallest island of the Greater Antilles. Puerto Rico (Spanish for “rich port”) consists of an archipelago that includes several striking islands, such as the main island, Vieques, Culebra, Mona, and numerous islets. It is said to be the best of the Caribbean with over 270 miles of white-sand beaches, consistent warm temperatures throughout the year, tropical flavors and rhythms and, of course, plenty of rum! The Island stands out even amongst its fellow Caribbean Island inhabitants. Puerto Rico’s culture is a colorful, festive fusion of Taíno, African, 30

THE BEST OF THE CARIBBEAN

and Spanish influences. Every day is a celebration of the diversity of cultures that have shaped the island for over 1,000 years through rich cuisine, distinctive arts and crafts, vibrant music, and traditional festivals and parades. There is always a spot to hear the beating of the drums to salsa, bomba and plenas. These percussion-driven musical traditions keep the people of Puerto Rico ready to congregate, dance and celebrate! Puerto Rico is inhabited by extremely proud people and they love to show their island off to visitors. Great pride, humility and passion run through the veins of Puerto Ricans. Puerto Rico is a paradise retreat 24/7, 365 days a year. Visit historic El Morro Fort on the northwestern tip of the island and learn how it defended the city of Old San Juan from seaborne enemies. Explore lush foliage, waterfalls and rivers at El Yunque Rainforest and national park. The rainforest has a number of trails to walk, hike, and climb. Take an eco-tour of the fascinating and beautiful bioluminescent Vieques Bay where water microorganisms emit a flash of bluish light when agitated at night. Adventure seekers may even dare

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November 2013


to experience the intense water sports offered right off the shore. These are all excursions that should be placed on your to-do list while visiting Puerto Rico. Isla Verde is one of the many sensational areas to visit while in Puerto Rico. This area is a district of Carolina which borders the Atlantic Ocean, south of Gurabo, east of San Juan, and west of Canovanas. Isla Verde is a destination unto itself. Over a mile-long strip of some the most beautiful white sand beaches and generally calm water make it a perfect playground for water sports, swimming, and of course sunbathing. This strip plays host to some of the largest luxury resorts and casinos, filled with plenty of boutique shops and divine restaurants. Isla Verde is perfect for leisure and extremely welcoming for business. With some of the largest resorts and casinos taking up much of the real estate along the beachfront on Isla Verde Beach, one might miss the hidden gem of the area. Located directly across from one Puerto Rico’s most pristine beaches, the San Juan Water Beach Club Hotel is truly a David amongst several large Goliaths. This chic property brings the transparent waters of the Caribbean Sea flowing through the hotel. A cool mix of blues that swirl, ripple, and cascade throughout the sleek, modern building play point with brilliant shades of white, to a soundtrack all its own. With its new renovation complete, this hotel is perfect for a leisure fantasy escape or company retreat. Trip Advisor awarded the San Juan Water Beach Club Hotel the 2012 Certificate of Excellence as well as the 2012 Travelers’ Choice Award. The San Juan Water Beach Club Hotel offers executive services with an intimate Caribbean flare. The hotel has an oceanfront business center and indoor and outdoor function venues for board meetings, corporate training, or special corporate functions. At your disposal, the hotel offers an executive boardroom, state-of-the-art audio/ visual and telecommunications equipment, and other technology you may need upon request. Whether you are here for leisure or business, your stay will be first class. With the hotel located only five minutes from the Luis Muñoz Marin International Airport, it is extremely easy to bring larger groups or plan a stay for two on a romantic getaway. From the moment you disembark your transportation, you are greeted and pampered by the Beach Club staff. Every thought to make your stay more pleasurable is taken into consideration and executed by all staff members. Give them one day, and not only will they know your name, they will also personalize their service based on your desires. No detail is missed—and a few might be added, based on your individual needs. No matter what you set your heart on while visiting Puerto Rico—a day at the beach, a couples massage on the beach, a tour of old San Juan, zip-lining on November 2013

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one of the longest lines in the United Sates, water sports, fishing, salsa dancing, trying your luck at one of the many outstanding casinos, exploring the rain forest, viewing a waterfall (and these are just the tip of things to do)—the Beach Club staff will make it their mission to fulfill your every request. The hotel has 80 rooms and suites that feature floor-to-ceiling windows with views of the tropical Atlantic and San Juan’s finest beach. When you decide to finally sleep, you will rest on a pillowtop mattress and snuggle up in fine linens. Your room comes with complimentary high-speed internet access, LCD flat screen TVs, an iHOME docking station, in-room safe, telescope, nightly turn-down service, plush towels, calming bath amenities, and of course coffee service with Puerto Rican Yaucono coffee for when you arise. Once you work up an appetite, you have two first-class dining options from which to choose. The San Juan Water Beach Club Hotel has two spectacular restaurants under the helm of local celebrity executive Raul Correa. Located on the rooftop of the hotel, Mist is the renowned hot spot for locals and tourists. Mist offers comfortable white plush couch- and bed-style seating areas, as well as dining tables facing the pristine water and scenic view of the Puerto Rican Mountain range. Words cannot describe the ambiance in this setting. The menu boasts an Island-Italian-Spanish fusion flare, featuring “socializers”—or small plates—that you can share, all prepared with fresh, locally grown ingredients. Once you’re done dining, grab one of their signature cocktails and take a dip in the rooftop pool overlooking the Atlantic Ocean. When you feel satisfied and have made every attempt to overindulge yourself

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at the rooftop oasis, you might check out the second restaurant on the main level. Zest is an avant-garde culinary experience that takes you beneath the waves, with special visual effects including dancing ripples on the walls, an ocean surface simulation on the ceiling, illuminated floors, and a cascading waterfall adjacent the bar. Zest is an amazing sub-aquatic atmosphere with a mouthwatering modern-Latino cuisine, prepared using only sustainable local ingredients. Executive Chef Raul Correa’s unique style of cooking embraces both the sensory and scientific qualities of food, as he infuses each dish with a distinct panache designed to stimulate every sense. This executive chef is handson, and it is very likely that when your taste buds explode with one of his dynamite dishes, he will soon be table-side making sure your experience is like no other. After a long day taking in all that the Beach Club has to offer, it’s time to relax in your luxury room. No need to go to sleep, because the party on Isla Verde’s trendiest favorite night spot is just above you on the roof top lounge. Mist offers nightly DJs who spin a variety of music to get you out of your seat and onto the dance floor. Dance the night away, and get ready to do it all again tomorrow. There is so much to do and see while staying in the Isla Verde area of Puerto Rico, not to mention on Puerto Rico as a whole. The only way to really experience, enjoy, and absorb it all is to stop reading this article and book your trip to Puerto Rico! Isla Verde should be a definite stop while exploring the island, and the San Juan Water Beach Club Hotel should be your destination of choice.

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DROP BY With a recent $2.5 million renovation completed, you'll want to drop by to experience the ultimate boutique hotel in San Juan. Whether it's for business or pleasure, or a little of both, our staff will assist with all the details to assure you have an unforgettable stay! • Located oceanfront of Puerto Rico’s pristine Isla Verde Beach • Only five minutes from the San Juan International Airport • Boutique Property/Adult Playground – 80 cool, intimate guest rooms, including 4 Ocean Front Suites • Ocean View Meeting & Function Rooms including WIFI

SERVICES/AMENITIES:

Concierge | Beach Services | Rooftop Pool | MIST Lounge ZEST Restaurant | Fitness Center | Business Center | WIFI Available for Corporate Rates, Group Rates, & Catering Events

For more information, please contact the Sales Department at 787.728.3666 or email info@waterbeachhotel.com

w w w. w a t e r b e a c h h o t e l . c o m facebook.com/waterbeachclub


Five-star luxury T

with charm

he Turks and Caicos has been heralded by many as the perfect Caribbean destination for those looking to relax, be pampered, and get away from it all. Turks and Caicos is located south east of the Bahamas and is made up of forty islands, although only eight are inhabited. Providenciales is the most developed of all the islands and is home to an international air hub, making it easily accessible from anywhere. Flights from Miami arrive in about an hour and a half and from New York it takes less than three hours. Providenciales is also home to the world’s most beautiful beach. Grace Bay Beach has been named the world’s best beach several times and is consistently recognized as one of the most beautiful beaches by Conde Nast’s “Best in the World” polls. The flawless white sand stretches on for 12 miles and is known for its impossibly blue water and vibrant coral reefs. Situated at the heart of the exquisite Grace Bay Beach, the Regent Palms fuses traditional Caribbean hospitality with prestigious amenities and guest services, to deliver all the charm of the Caribbean with five star luxury and comfort. Boundless ocean views from stylishlyappointed suites ensure peace and tranquility. The 72-suite Regent Palms resort in Turks and Caicos is one of the Caribbean’s best-kept secrets, however this year it was awarded the coveted ‘Hotel of The Year’ Award by the Turks and Caicos Hotel and Tourism Association. This is a testament not only to the splendor of the hotel, but also to the attentiveness of the staff that will go out of their way to pamper and indulge you. Often lauded as the Turks and Caicos’ best property, the Regent Palms Spa has been listed by Conde’ Nast Traveler as the #2 in the Caribbean for the second year in a row.

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Regent Palms’s signature dining experience at Parallel 23, an award winning AAA 3-Diamond restaurant was also honored as the Turks and Caicos number one restaurant last year. Parallel23 restaurant combines the best of Caribbean fusion cuisine with today’s more casual restaurant ambiance. Endless full-height French doors and a hi-tech display kitchen with wow-factor wood-burning oven invite diners to enjoy the theatre of food preparation, while an extensive boutique wine list introduces even the most knowledgeable guest to a new experience. Culinary tributes to land and sea include the freshest crab rolls and sea bass or melt-in-the-mouth veal tenderloin and Moulard duck, while for guests requiring a more intimate setting, private functions are catered for via a magnificent outdoor, domed dining room. For those looking to indulge in a spa day, the Regent Palms will not disappoint. The Spa at Regent Palms has recently revitalized and expanded its offerings to meet your individual needs. The newly launched spa menu offers results orientated treatments inspired by Eastern and Western rituals to heal the body, rest the mind, and soothe the soul. The Fitness Center has a complete set of cardiovascular and strength training equipment with a personal trainer available to guide you through an efficient and effective workout. The Wellness & Fitness Program includes a variety of beginner and advance classes to accommodate the activity levels of all guests. Flavorful, organic healthy dishes and beverages by an award-winning chef have been added to the spa and fitness programming. The perfect ending to your spa day is to attend the ‘Sunset Reflection’ inspired by an ancient royal Thai Ritual as well as the original explorers of the Caribbean Islands. The ceremony combines the healing properties of water, with the power and discovery of light.

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Expe rience Experience

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the Caribbean’s Best-Kept

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Turks and Caicos’ leading resort, as proclaimed by the 2011 World Travel Awards, proudly introduces the Great Savings Upgrade.* » Deluxe Ocean Front Suites for the » Ocean View Suites for the price of price of Ocean Front Suites Pool View Suites » Ocean Front Penthouses for the price » Ocean Front Suites for the price of of Ocean View Penthouses Ocean View Suites Book through your favorite Travel Professional, Tour Operator or call 1.866.877.7256

* Great Savings Upgrade: Travel Dates: Now to December 19, 2012. Booking Dates: Now to December 15, 2012. 3 Night Minimum Stay Required. Based on availability. Cannot be combined with other promotions. Promo Code GSU. Reservation to be transmitted to the resort in the room type to be occupied. Valid for new reservations only.

Star Awards 2011 TCHTA Hotel of the Year | World Travel Awards 2011 Turks and Caicos Leading Travel + Leisure 500 World’s Best Hotels 36 Elite Tampa Bay November 2013


Secret Secret.

www.regenthotels.com | 866-877-7256 Resort | Conde Nast Traveler 2011 & 2012 Readers’ Poll Awards #2 Top Resort Spa: The Caribbean Awards 2010, Number 1 in Turks and Caicos Elite Tampa Bay November 2013 37


Americans share something that cuts across race, gender and politics: A risk of heart disease. Heart disease is the number one killer in the U.S. Your gender, age, race and ethnicity can affect your chance of developing heart disease. So it’s important to take charge of your heart health. Start by talking to your doctor and learning about your risk factors. You can also explore resources at Close the Gap, an initiative dedicated to helping people in your community live longer, healthier lives. Get the facts about heart disease at Your-Heart-Health.com.

Follow Close The Gap on: Copyright Š 2012 by Boston Scientific Corporation or its affiliates. All rights reserved.


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