How To Stay Fit During the Holidays
November 19 - December 18, 2013 UP & OUT WishYouWere Here UPCOMINGS Activities & Happenings UPFRONT New, Now & Noteworthy HowTo Stay Fit During the Holidays Aventura • Bal Harbour • Bay Harbor Islands • Biscayne Park • Eastern Shores • Golden Beach Highland Lakes • Miami Shores • North Miami • North Miami Beach • Ojus Skylake • Sunny Isles Beach • Surfside + Hallandale Beach (special Uptown neighbor) • November 19 - December 18, 2013 8 Managing Director Alan Rifkin Editor Martha Sternberg Art Director Joanna Gazzaneo Historian Seth H. Bramson Photographer DeJean Dessous Distribution Baron Express, Inc. 954.297.0731 DEPARTMENTS 4 UPFRONT Men and women are dealing with the Affordable Health Care Act in distinctly different ways. 18 6 UPCOMING Dr. Trini Vega and his team at Biotech Wellness Center strive to find a balance between health and beauty. 18 UPTOWN SOUTH FLORIDA MEDIA UP & OUT Miami International Language Academy celebrated its opening in November with a ribbon cutting and cocktail reception. MILA is located at 2191 NE 163 St., Suite 13 in North Miami Beach. 22 14 UPDATE Cover photo: Carolina Lorusso Model: Trainer Addison Espinosa North Miami Beach: A History by Seth Bramson. When North Miami Beach was first discovered it was fertile hunting grounds for both the Calusa and Tequesta tribes of Native Americans. Today it is one of the most progressive cities in Florida. 20295 NE 29th Place, Suite 200 Aventura, FL 33180 305.788.0823 © 2013 UPTOWN SOUTH FLORIDA MEDIA, not-for-profit. UPTOWN SOUTH FLORIDA magazine is published monthly. All rights reserved. The entire content of UPTOWN SOUTH FLORIDA magazine may not be reproduced without the written consent of the publisher. UPTOWN SOUTH FLORIDA magazine reserves the right to edit, rewrite or refuse material. UPTOWN is comprised of Northeast Miami-Dade County: Aventura • Bal Harbour • Bay Harbor Islands • Biscayne Park Eastern Shores • Golden Beach • Highland Lakes • Miami Shores • North Miami • North Miami Beach • Ojus • Skylake Sunny Isles Beach • Surfside + Hallandale Beach (special Uptown neighbor) UPTOWN south florida magazine • Nov. 19 - Dec. 18, 2013 3 UPfront new, now & noteworthy The Man’s/Woman’s Guide to Obamacare By Louis Berlin M Louis Berlin is a licensed Affordable Health Care agent. en and women are dealing with Obamacare in distinctly different ways. Men will go to a random Obamacare Web site or wait on hold on a call center hotline. They muddle through the confusing directions, get frustrated, make a bad decision, fill out everything wrong, yell at their significant other and then go out for a beer. This places them in danger of losing their rights to affordable insurance. Women, on the other hand, recognize that Obamacare is confusing, even to seasoned insurance professionals. The rules keep changing, the Web sites are confusing (and often wrong) and if you make a mistake it could be costly. They generally seek the advice of a licensed insurance agent who specializes in health. As one such agent, I have been dealing with this issue for many months, attending seminars, and meeting with care providers. Here’s what is important to know to avoid frustration: 1. The focus of insurance companies is to bring down the cost of care to you and them. Since 80 percent of your premium gets dispersed back to you and your doctors, in order for each company to remain competitive, they have to figure out how to deliver care more effectively. The thrust of the new plans, therefore, is to keep you within a group of providers who communicate with each other, don’t run duplicate tests and who do a lot of preventive work so you don’t become ill. The best priced plans offer you a financial incentive to stay within this model. If you deviate, it will cost you more. 2. The best approach to figuring out which of the hundreds of plans make most sense for you (and there are hundreds to choose from), is to analyze your current and projected use of medical services. Some plans are designed for those who rarely get ill, some are for the chronically ill, but all offer a trade off: pay more now but be charged less for ongoing use of services, or pay less now and take the chance that you will need minimal care, but be sure that there will be an absolute maximum that you can spend if you need more care than you project. 3. The reason there are so many plans is that there are gradations of risk of how much you will be out of pocket. Your current use of medical services, plus the amount you will be willing to spend should you become ill, will direct you to the best plan for you. 4. Unlike in the past, everyone is guaranteed coverage and premiums are not higher if you have a pre-existing condition. Your pre-existing condition will be treated at the same cost should new problems develop. Naturally, this means that folks who were denied coverage in the past or charged more for insurance will now get insurance, or get it at a better price. This is funded in part by an overall increase in premiums. So if you were previously healthy and insured, you can expect your premiums to go up. To alleviate the cost, the government is offering subsidies to people in certain income ranges. There are many calculators on the internet that can help you estimate your subsidy, but the only final determinate is the CMS Web site, which is hard to navigate on your own. There are also adjustments to your net income to add and remove some items when calculating the subsidy, so you’ll need to have a copy of a recent tax return handy to get all the info you need for the site. Some plans offer additional cost savings to people in certain income levels. Confused much? I hope you are less confused than you were before, but by now it should be obvious that you don’t want to tackle this on your own. Respond intelligently and act responsibly to this change in the way you will be compelled to buy, pay for, and use medical services. The old way of doing this is no longer an option. Talk to a good, trained, licensed Obamacare certified agent. Louis Berlin can be reached at 305.778.7971 or at www.newhealthinsurancerules.com. 4 UPTOWN south florida magazine UPfront new, now & noteworthy Miami Book Fair International 30th Anniversary Edition The Weekend Street Fair is Must-See T he books are here. And the readers and writers have followed, as they do by the hundreds of thousands every year for Miami Book Fair International, now taking place at the downtown campus of Miami Dade College through Nov. 24. The Book Fair, now in its 30th year and still the largest and finest book fair of its kind in the nation, encompasses author presentations, national and international book exhibitors, educational programming, children’s activities, music, dance, visual arts, theatre, creative writing workshops, and a three-day street fair that kicks off Friday, Nov. 22. The highlight of the Street Fair is the Festival of Authors where more than 350 authors read and discuss their work. Thousands of South Florida schoolchildren will help kick off the Street Fair, making the trip downtown Friday to hear authors and participate in Children’s Alley activities, including theater, arts-and-crafts, storytelling and readings by children’s book authors. Comics and graphic novels are featured, with the school of comics on Friday and a new section just for kids and teens. The 30th anniversary edition of Miami Book Fair International is presented by The Center for Literature and Theatre @ MDC will take place at Miami Dade College’s (MDC) Wolfson Campus. The always-popular Street Fair runs Friday through Sunday, Nov. 22-24. For more information, visit www.miamibookfair.com. UPTOWN south florida magazine • Nov. 19 - Dec. 18, 2013 5 UPCOMING BIOTECH Wellness Center: Finding A Balance Between Health And Beauty A comprehensive center for regenerative medicine, beauty and wellness, Biotech Wellness Center strives to complement advanced medical equipment with current and safe medical and aesthetics therapies. Whether it’s through regenerative medicine, anti-aging or aesthetic medicine, the goal is to find a balance between health and beauty, attaining the true secret of youth. Through personalized counseling and specialized medical guidance with the latest technology, patients are accurately assessed. Personal treatment plans are then designed to achieve the individual’s desired result. The center offers services such as: skin care and facial rejuvenation including botox®, dermal fillers, platelets rich plasma, acne therapies, chemicalpeels, hydrafacials and tanning services. Body contouring and cellulite treatments include the Venus Freeze and mesotherapy treatments. All services are overseen by Dr. Trini Vega, a board certified specialist in internal medicine and practicing throughout MiamiDade County. Medically supervised weight loss HCG therapies are available using antiaging and regenerative medicine including: bioidentical hormone therapies and nutritional intravenous supplementation therapies. Leg, activities & happenings vein and hair removal treatments include state of the art cosmetic laser treatments and advanced pulsated light (IPL) to dramatically improve the appearance of your skin. Treatments include laser permanent hair reduction, vessel and pigment clearance, and leg vein clearance. The center seeks to find innovative yet practical solutions to the most common health issues in the sustainment of beauty and wellness. They emphasizes patient safety, nutritional education, maintenance and preventive medicine by offering individuals the most current, safe and effective available treatments in general medicine, aesthetics and wellness. Biotech Wellness Center is located in Aventura at 3575 NE 207th St., Unit B3. For more information, call 305.989.8115, or visit www.biotechwellnesscenter.com. 6 UPTOWN south florida magazine UPCOMING activities & happenings Turtles on the Move! STYLISH SETTING Elle Air Blowdry and Makeup bar is the newest affordable addiction in Surfside, and can be found at 9480 Harding Ave. call 305.763.8385 for an appointment or visit ellairbeautybar.com. The area surrounding Surfside Town Hall has suddenly become a hot spot for turtle viewing! With the current landscaping and refurbishment project underway in the Harding Avenue business district, 10 of the Tales of Surfside Turtles have been moved to 93rd Street between Collins and Harding Avenuesl. Stop by for a look, many are available for “adoption.” For more information, contact Duncan Tavares at [email protected]. DMV to Return on December 4 Community Outreach Specialists from the Department of Highway Safety and Motor Vehicles (DMV) will be setting up a mobile DMV at Town Hall on Wednesday, Dec. 4 from 9:30 a.m. to 3 p.m. in the 2nd floor Police Training Room. Plan now to get your DMV services here in Surfside, including driver’s license renewals. Contact Dina Goldstein at 305.861.4862 or [email protected]. Bloomingdale’s Kitchen Happenings Culinary Demonstrations at The Main Course Kitchen on 3. Chef Nuri Perez Saturday, November 23, 1 pm Chef Nuri Perez from Novecento, Aventura’s newest eating establishment presents a culinary demonstration of Bistro Argentino cuisine. Whole lotta Latkes! Saturday, November 30, 1 pm Join Chef Lauretta for a festive Hanukkah celebration with a culinary demonstration and tasting of traditional savory potato latkes! Chef Michael Maltese Saturday, December 7, 1 pm Chef and Owner of Luca Bella in Aventura prepares a delectable taste of his Family Style Italian Cuisine for you to sample and enjoy. Xavier Bonnafous Saturday, December 14, 1 pm Associate Prepared Foods Chef at Whole Foods Market shares the secrets of his “Culinarymania” during a culinary demonstration and tasting. Tuscany al Verano Book Signing Saturday, December 21, 1 pm Come meet Verano Petri for a Tuscany al Verano book signing, culinary demonstration and tasting and to hear his amazing saga of growing up in war torn Italy and then making his way across the Atlantic to find the American Dream. Hilda Lopez Saturday, December 28, 1 pm Watch Hilda Lopez create her delectable cupcakes from scratch just for you! You crave it, she bakes it… and makes your day sweeter one bite at a time! Bloomingdale’s Aventura Mall, 19555 Biscayne Boulevard, Aventura. For more information call 305.792.1288. Expires 12/31/13 UPTOWN south florida magazine • Nov. 19 - Dec. 18, 2013 7 UPCOMING activities & happenings How to Stay Fit During the Holidays By Michele Lapierre M Michele Lapierre is the studio manager at Orange Theory Fitness in Aventura. y grandmother used to make the most amazing homemade stuffing for our big Thanksgiving dinners in Rhode Island. Dozens of us would pile into her little kitchen hours before dinner just to sneak a little nosh of the savory combination of sourdough bread, mushrooms, celery and other ingredients, which I promised to keep secret. When the holidays take over our lives every year, noisy family dinners and eating my grandmother’s legendary stuffing bring me comfort and total satisfaction. I generally live a healthy and fit lifestyle but even I don’t deny myself the pleasure of eating high-calorie side dishes and sugary fat-laden desserts during the holiday season. Or ever. The good news is you don’t have to. You can have your stuffing and eat it too if you follow these simple rules on how to stay fit during the holidays: Indulge a little When you commit to a healthy lifestyle, you have not locked yourself in a chocolate-free zone for the rest of your life. It’s all about balance and, that cliché, moderation. It’s just as important to try that delicious looking cherry pie as it is to have consistency in your exercise and eating habits. Just refrain from eating five slices and you can skip the guilt trip. Also keep in mind that when you serve yourself, you should be able to see your plate. You can always go back for seconds. Most importantly, eat slowly. Taking time to digest and enjoying your food is healthy and you’ll be surprised how less full you will feel. Work out time is essential Actually, I would argue gym time is more essential during the holiday times than ever. We see ourselves exponentially expand during the holidays and you can lose up to 20 percent of your cardiovascular strength by stopping a workout plan from Thanksgiving to New Years. Your heart is a muscle like any other and it needs to work out to be healthy. Besides the fear of your sweatpants not fitting, we all know the holiday season can be, gently put, stressful. Exercising releases feel-good brain chemicals like endorphins and keeps your stress levels in check. Trust me, you’ll need it. Pencil yourself in Your schedule is jam packed with family members, shopping expeditions, company holiday parties and you’re supposed to make time to work out? YES. Working out during the holidays is possible with an organized schedule. It might feel like you have no time but you’d be surprised how much you can get done when you’re a stickler with your schedule. If you’re really crunched for time, try a high interval cardio workout program like Orange Theory Fitness. Designed to make the most out of a 60 minute workout session, you’re burning more calories by speeding up and slowing down your heart rate multiple times during the hour. An hour at the gym is enough if you do the right workout. Don’t drink your calories If you enjoy drinking alcoholic beverages at your holiday parties, balance is the name of the healthy game and having a drink at a party won’t deter your healthy goals. A helpful tip is to follow up every alcoholic drink with a glass of water. You’ll feel fuller and less likely to drink. Also, not having a drink in your hand can be a social obstacle for some, so choose water, iced tea and drinks low in sugar and calories. Stay away from daiquiris and eggnog. Start ASAP Instead of binging on holiday food with a constant self-reassurance that, “It’s okay – I’ll start fresh on Jan. 1 –” get used to adapting a fit life as a lifestyle that begins today and never ends. Start your journey towards your fitness goals as soon as possible, like in the beginning of November, and beat the rush for the gym in January. Once you’ve invested weeks into your goals, you’re less likely to give them up during the holidays. On Jan. 1, you’ll be glad you already have a head start. Remember, the holiday season tests our limits. If you can control yourself during the holidays, you can do anything. Michele Lapierre can be reached at Orange Theory Fitness, call 305.400.0544 or email at [email protected]. 8 UPTOWN south florida magazine UPTOWN south florida magazine • Nov. 19 - Dec. 18, 2013 9 UPCOMING ASIB Events Join the Aventura/Sunny Isles Beach Chamber of Commerce for its Monthly Breakfast at Mo’s Bagels & Deli. The next breakfast meeting will take place on Dec. 3 from 8 a.m. to 9:30 a.m. Mo’s is located at 2780 NE 187th Street in Aventura. Meet other local professionals, self introductions and networking. Enjoy bagels, assorted cream cheeses, danish and coffee. Bring plenty of business cards! For more information, contact Jon Rogoff at 305.332.5989. And don’t forget ASIB’s Monthly Chamber Lunch at Novecento on Dec. 11 from noon to 1:30 p.m. Novecento is located at 18801 Biscayne Blvd. in Aventura. For more information, contact Jon Rogoff at 305.332.5989. 10 UPTOWN south florida magazine activities & happenings The Greater North Miami Chamber of Commerce Join The Greater North Miami Chamber of Commerce at their Monthly Membership Lunch, Nov. 27, noon, at the Miami Shores Country Club, 10000 Biscayne Boulevard. The program is Vision 2017, The Chamber’s Road to the Future with Barry Vogel. The December meeting will take place on Dec. 18 and the speaker is Miami-Dade County Appraiser Carlos Lopez Cantera. To reserve a seat and get more information, call 305.891.7811. UPTOWN South Florida is a proud supporter of Small Business Saturday. Shop Nov. 30 and support small businesses in your community. The Greater North Miami Beach Chamber of Commerce The Greater North Miami Beach Chamber of Commerce will hold its General Membership Luncheon on Nov. 21 from noon to 2 p.m. at Area Code 55, 16375 Biscayne Blvd. in North Miami Beach. The program includes the installation of the new board and the speaker is State Sen. Gwen Margolis. UPCOMING activities & happenings MAKE THE CONNECTION Uptown Networking UPTOWN Business Monthly Networker. Come network and promote your Uptown business. Next meetings: Nov. 20, Dec. 4 and 18. Be prepared to give a one-minute introduction of your company. Don’t forget to bring plenty of business cards. Registration begins at 5:30 p.m. at Lexus of North Miami, 14100 Biscayne Blvd. Parking is available in the rear on the second floor employee-parking area. Uptown Networking attendees heard Priscilla Dames speak about workplace conflict resolution at the November event. Cost: FREE for members of ANY Chambers of Commerce. $10 for non-Chamber members. For more information, send email to Uptown business network coordinator Adam Weizer, [email protected] UPTOWN south florida magazine • Nov. 19 - Dec. 18, 2013 11 UPDATE then & now Advice for Entrepreneurs with Visions of Start Ups By Roberta Rousseau S Roberta Rousseau is a Certified Quickbook Advisor and experienced IT professional. tarting one’s own business is a dream of many. The current economic climate has created an unprecedented opportunity in this space. Whether you own a “new startup” or are the CEO of a recently formed and flourishing company, you are faced, or will be, with a certain reality rearing its head too soon and sometimes too late. As a visionary, most entrepreneurs must be equipped with maximum armor for survival. This includes a vigilant and ongoing oversight of the business finances. This stands in sharp contrast to an all too common practice of keeping “receipts in a shoe box” and then delivering to the Company CPA a “cannon shot” of mixed invoices, statements and unrelated scraps of financial papyrus-like material just before tax time. There is a natural tendency on the part of entrepreneurs to “glaze” over any discussion addressing this situation. The large number of occupants in the cemetery of “small business failures” is often attributed to a “too-late” understanding of the business financial picture. The natural focus on the products or services offered by the business often overshadows efforts to get the finances in order. In better times, a business could hobble along for some time; in today’s climate that is not possible! A needed solution is some method of automating the on-going finances while at the same time being able to read the financial pulse of the business. Quickbooks is a recommended solution, a system which has successfully supported a majority of small and mid size businesses. It is an invaluable tool which not only provides the owner with the necessary tools to record financial information, it allows the owner to send “reminders” of unpaid bills, provides a suite of reports revealing current profit and loss information, balance sheet status among others, all indispensable to allow proper management of any company. Information at the finger tips of every business owner should include the company’s liabilities, sales, fixed costs and costs needed to produce products or services. How does an owner know what part of the business is actually making money? Quickbooks and Quickbooks OnLine provide this information and much more. It is relatively easy to install but requires someone knowledgeable to customize it for the specific business type. Quickbooks producer, Intuit, provides certified (ProAdvisor) consultants who can assist. Roberta Rousseau consults for small and medium size companies with financial management and has taught database development for numerous platforms. She can be reached by email at [email protected]. For more information, visit www.symboley.com. 12 UPTOWN south florida magazine UPfront new, now & noteworthy Teach Our Children Well By Barbra Greenspan Shaiman You’ve got to be taught before it’s too late Before you are six or seven or eight To hate all the people your relatives hate, You have to be carefully taught. —Oscar Hammerstein, playwright For over thirty years, Barbara Greenspan Shaiman has been an educator, entrepreneur, and social entrepreneur. T hese lyrics powerfully demonstrate the importance of how we as a society raise our children, and the impact of the values we teach them. Now, more than ever, whatever your religion or culture, there can be no more valuable legacy than to raise the next generation of young people to become caring, compassionate, responsible citizens. Whether you are a parent, grandparent, aunt, uncle, teacher, mentor, or just someone who cares about youth, teaching children to care is both a privilege and responsibility. In this day and age, nothing is business-as-usual— not even parenting. We have seen too much violence and hatred in our schools and communities. Our children are being victimized by cyber bullying. Too many precious lives have been lost. In some parts of the world, children fulfill the legacy of their parents by sacrificing their own lives in missions of hate disguised as justice. If people are actively teaching children hatred, the response must be raising an army of compassionate people. We must equip them with the skills and tools to combat injustice wherever they see it — in the classroom, on the streets — anywhere people are powerless to defend themselves. My mother, who survived the Holocaust and was the sole survivor of a family of 65 people, always said that the best defense is love. Once liberated from the death camps, my parents didn’t seek revenge. They rebuilt their lives and had children. They would not give their tormentors the satisfaction of ruining their futures, as well. Fighting hate with love is a powerful tool. We have an incredible opportunity to teach our youth to care, to be kind and compassionate. To become engaged in meaningful projects that make a difference locally or globally. We can inspire them to make the world a better place. In doing this we will live richer more meaningful lives. Barbara Greenspan Shaiman is the founder of the nonprofit Champions of Caring, which has empowered over 10,000 youth in the Philadelphia area to become social activists, and the author of Live Your Legacy Now!: Ten Simple Steps to Find Your Passion and Change the World. For more information, visit www.embraceyourlegacynow.com. UPTOWN south florida magazine • Nov. 19 - Dec. 18, 2013 13 UPCOMING activities & happenings Thanksgiving + Hanukkah = Thanksgivukkah, 2013 by Lauren Markoe, Religion News Service I t last happened in 1888 and, according to one calculation, won’t happen again for another 77,798 years: the convergence of Thanksgiving and Hanukkah. This year, Nov. 28 is Thanksgiving and the first full day of the eightday Jewish festival of lights, which begins at sundown the previous night. For many Jewish Americans, this is no trivial convergence, but a once-in-an-eternity opportunity to simultaneously celebrate two favorite holidays, one quintessentially American, the other quintessentially Jewish. Earlier this year, when the rarity of the synergy began to dawn on American Jews, they began concocting “Thanksgivukkah” mashups, such as a “menurky,” a turkey-shaped menorah; and Jewish cooks have created recipes for everything from pumpkin latkes to turkey brined in Manischewitz. “It’s fun, and let me go on record on saying that ‘fun’ is a good thing,” Rabbi Rick Jacobs, head of the congregational arm of Reform Judaism in North America, said of the hybrid holiday. Jacobs isn’t the only Jewish American to note that Hanukkah and Thanksgiving align not just in time, but thematically. They both celebrate religious liberty: The Pilgrims sought religious freedom in the New World, and the ancient Jews’ triumphed over Greek oppressors who had banned the practice of Judaism. “To me, that is such a beautiful and powerful linkage of the two holidays and I hope we get to celebrate that as well as cranberries on our latkes,” Jacobs said. Or, as Rabbi Tzvi Freeman wrote on the Web site Chabad.org: Thanksgiving is “a narrative about an arduous journey to escape religious persecution for freedom in a new land, the establishment of a democratic charter and the sense of Divine providence that carried those refugees through their plight.” 14 UPTOWN south florida magazine The miracle of Hanukkah is set in the 2nd century B.C., when a small band of Jews, the Maccabees, triumphed over the forces of King Antiochus IV. As the Maccabees rededicated the desecrated Temple in Jerusalem, a small quantity of oil, enough to last for only one day, miraculously burned for eight, which is why Jews light the candles on the menorah for eight nights. The quirk of Thanksgivukkah is that the Hebrew calendar, which follows the sun and the moon, and the Gregorian calendar, where Thanksgiving sits on the fourth Thursday of November, has aligned this year so that the two holidays are on the same day for the first time since 1888, 25 years after President Abraham Lincoln declared Thanksgiving a holiday. As for the long stretch before this will happen again, credit for the calculation goes to Jewish American physicist Jonathan Mizrahi, who explained the Jewish and Gregorian calendars are drifting apart in such a way as to separate Thanksgiving and Hanukkah for more than 70 millennia. (Others who have also done the math note that the first night of Hanukkah — remember the holiday begins at sundown — will converge with Thanksgiving as early as 2070.) For many Jews, Thanksgiving and Hanukkah are a much better fit than the holiday Hanukkah often coincides with: Christmas. The somewhat tongue-in-cheek term “Chrismukkah,” a celebration that invokes both traditions, can be fun for college roommates of different faiths or Jewish-Christian families. But for Jews who feel that the Christmas season overwhelms Hanukkah or even that the relatively minor holiday of Hanukkah gets over-hyped to compete with Christmas, the idea of a Christmas-Hanukkah hybrid doesn’t always sit well. But Thanksgivukkah? It’s not going to outlive Chrismukkah, but while it’s here, Jewish Americans are going to make the most of it. UPfront new, now & noteworthy Poolside Finance Tips: Save Your Portfolio from High Fees By Owen T. Carhart S Owen Carhart is a Registered Investment Advisor located in South Florida. ince creating my first investment strategy as a teenager I have immersed myself in the investment and financial planning world, and have seen clients with some pretty mangled and haphazard portfolios. What follows are four tips that may bring your investment portfolio(s) into harmony with your everyday life and the markets alike. Utilize Low Cost Investment Managers and Vehicles. I often find that many retail investors are simply paying too much for their investment management. High fees are the leash of investment portfolios. Utilizing exchange traded funds rather than a managed mutual fund is an excellent start. Ensure you are not paying an advisor and a manager. Many times I meet with prospects that have the “best money manager in the world,” meanwhile this manager is more of a salesperson than a wealth manager. For instance I had one client who was paying a 1.3 percent management fee for her advisor to pick managed mutual funds which tend to have higher internal expense ratios. Furthermore, after designing the portfolio it was not rebalanced or managed to maintain a particular asset allocation or strategy. A 1.3 percent management fee with an internal expense ratio of 1 percent means that you are paying 2.3 percent for this particular investment. Compare that to paying a 1 percent management fee for an active investment advisor and a .3 percent internal expense ratio and you have decreased your year-to-year fee by 1 percent. You can and should try and keep as much of your money as possible. Ensure that you advisor knows how to spell FIDUCIARY. In the investment world there are two standards of care that advisors are held to. The first and most flexible for the advisor is a suitability standard of care. The suitability standard only details that the brokerdealer has to reasonably believe that any recommendations made are suitable for clients, rather than having to place his or her interests below that of the client. The fiduciary standard stipulates that an advisor must place his or her interests below that of the client. Consider Paying for Advice Only Many retail investors believe they can manage their own investment portfolios, and in some cases this is true. If you are in this camp, avoid problems in your portfolio by hiring an investment advisor to perform an analysis on your portfolio for a one-time fee. You can pick the securities for your underlying portfolio and have them researched by the advisor. A second set of eyes on an investment portfolio can uncover possible risks that you may overlook. No opinion expressed by Owen Carhart should be treated as a specific inducement to make a particular investment or follow a particular strategy. NORTH MIAMI BEACH • MON - $.65 WINGS (4-CLOSE) • WED - KIDS EAT FREE (4-9PM) & ON WED - TRIVIA (8-10PM) DELIVERY: CALL 305.819.8500 OR ONLINE AT WWW.DELIVERYWOW.COM UPTOWN south florida magazine • Nov. 19 - Dec. 18, 2013 15 Hello Everyone, Here is what we are currently working on at the ASIB Chamber of Commerce: Annual Memberships for Condominium and Homeowner Associations are now available from the Chamber for $450.00. The membership benefits include: • 10 free enrollments in the Condo College Course, including certification for service on boards as required by the State of Florida. • Or On Site Condo College Course training. This training is a must for current and future board members who want to learn about: THE LAWS, ACCOUNTING, RISK MANAGEMENT AND INSURANCE, ENGINEERING AND GENERAL MANAGEMENT The membership and the Condo College were recently introduced at the CONDO COLLEGE STREET PARTY held on November 14th at the Town Center Aventura. We had a great turnout and we are preparing to hold another Street Party in the next few weeks. Also, For the past several months I have had the pleasure of corresponding with Ms. Silvia Mariani, Founder and CEO of Make Business Happen. I have discussed with Silvia the idea of linking our Chamber of Commerce and our Regional Market (Uptown South Florida comprising over twenty additional cities, towns and villages) with the Florence Chamber of Commerce and the Tuscany Region. I have received a tentative approval from the Mayor of Florence, the Honourable Matteo Renzi, that we will establish a Commercial Protocol, for the purpose of building the commerce between our Aventura Sunny Isles Beach Chamber of Commerce / Uptown Region of South Florida and The Florence Chamber of Commerce / Tuscany Region of Italy... more to come. Also, The ASIB Chamber of Commerce is launching a new community-building service called Chamber for Good which allows local charities to raise their visibility within the community and also provides businesses and philanthropic individuals an easy way to become aware of local charitable needs, causes and events. It is the ultimate community building tool! Bringing individuals, organizations and businesses together to achieve great things is a key focus of the chamber. The Chamber for Good system provides a clearinghouse that serves to connect all local charitable organizations and causes with the individuals and organizations within our community that are eager to support local needs. Chamber for Good makes it EASY to Give Local. This tool allows us to harness the goodness of our residents and businesses and really strengthen our community in a way that we haven’t been able to before. Also, The ASIB Chamber has created a new membership category, The Good Citizen... Please see the full page information on the Good Citizen Membership and join today. The ASIB Chamber and other Chambers are essential to the success of all our communities. Les Winston aventurasunnyislesbeachchamber.org 16 UPTOWN south florida magazine UP& OUT wish you were here NORTH MIAMI BEACH’S GRAND OPENINGS Miami International Language Academy celebrated its opening in November with a ribbon cutting and cocktail reception. MILA is located at 2191 NE 163 St., Suite 13 in North Miami Beach. Clean Smoke Electronic Cigarettes & Liquids recently celebrated its grand opening with a ribbon cutting. North Miami Beach Mayor George Vallejo was on hand and guests were treated to hors d’oeuvres and specially created cocktails by Chef Michael Blum. Clean Smoke offers a variety of e cig products; including starter kits, USA made e liquids, atomizers, batteries and accessories. 18 UPTOWN south florida magazine UP& OUT wish you were here Chrysalis Health Services, which recently celebrated the opening of its North Miami Beach location with a ribbon cutting, provides behavioral healthcare services for children, adolescents, adults and families. Chrysalis is located at 1848 NE 164th St. in North Miami Beach. UPTOWN south florida magazine • Nov. 19 - Dec. 18, 2013 19 UP& OUT wish you were here STREET FAIR The Aventura Sunny Isles Beach Chamber of Commerce, Floridian Management and Condo College jointly hosted a Street Fair at Town Center Aventura. Guests strolled from table to table, meeting with representatives from companies that specialized in areas of interest to condo and HOA board members, such as property management, landscaping , security , furniture and design, remediation, banking and loans, and real estate attorneys. 20 UPTOWN south florida magazine UP& OUT wish you were here FLAVORS OF NORTH MIAMI The Greater North Miami Chamber of Commerce’s Flavors of North Miami was held on the MOCA Plaza on November 10. Twenty of the areas finest food establishments provided samples and wine tastings for the attendees. The crowd also enjoyed live entertainment and a DJ. UPTOWN south florida magazine • Nov. 19 - Dec. 18, 2013 21 UPDATE then & now North Miami Beach From Farms and Fields to the Future By Seth H. Bramson I Seth H. Bramson is Adjunct Professor of History at Barry University, FIU and Nova Southeastern University’s Lifelong Learning Institute. t was 1890, when coastal ship captain William Fulford arrived on the shores of Biscayne Bay. The area was known to be fertile hunting grounds for both the Calusa and Tequesta tribes of native Americans and some form of human habitation existed there for more than 2000 years. Appointed keeper of the Biscayne Bay House of Refuge, Fulford was stationed between what are now Seventy-Second and Seventy-Third streets, Oceanside, in Miami Beach, by the U.S. Lifesaving Service, predecessor of the Coast Guard. Fulford would eventually move to the area that would bear his name, and carefully selected the location for his own residence. He built it on the highest spot in what would become his namesake town. Soon, Fulford was followed by Judge Pleasant Woodson White and James L. Nugent, early leaders in the community of what would become Fulford in 1926 and then North Miami Beach in Bagels Gone Bye: An advertising card from the long gone 1931. Other family and barely remembered Bagel Fare Restaurant, once upon names, some still a time at 1990 NE 163rd St. familiar today, include R. L. McDonald, the Frohocks, the Hanfords, the Laurenzos, George Slick, Dan Diefenbach, Harry Cohen, Jule Littman, Wally Pesetsky, Jeffrey Mishcon and Ray Marin. All have become part and parcel of NMB’s local lore and legend. The town of Fulford was incorporated in 1926, but wanting to capitalize on the growing national fame of Miami Beach, the community voted to change the name of their city to North Miami Beach (NMB) in 1931. At that time, the city included large swaths of near-wilderness areas known today as Ojus, Aventura and Sunny Isles Beach. In the nearly 83 years since changing its name, NMB has become home to a branch of a major university (Nova Southeastern), several private From NMB’s glorious past: The fabled Hotel Alabama on the west side of the FEC tracks, just north of today’s NE 163rd Street. and public schools, churches and synagogues, a wide range and variety of businesses providing needs and services, a major shopping center, a major hospital — Jackson North, formerly Parkway General — and a diverse crossection of residents active in the city’s growth, well-being and politics. It is worth mentioning city founders William Fulford, Lafe Allen, his daughter Lenore Allen Hanford and her husband, William C. Hanford built what is today one of the most progressive cities in Florida. In recognition their contribution to the city’s history and heritage, community leaders have memorialized Lafe Allen by naming the city’s library after him and for the Hanfords by re-naming the tree-lined, pedestrian-friendly Northeast 164th Street as Hanford Boulevard. North Miami Beach is today a cosmopolitan city with small town values, thriving and vibrant with an unlimited future. Indeed, the city, its residents, employees, shopkeepers, business people, medical and other professionals as well as its institutions of medical care, secondary and higher learning are working together to continue to make NMB an even better place to live, work and raise a family than ever before. Big Shipment: The Ancient Spanish Monastery as it arrived in crates on the docks, waiting to be brought to its present site and reassembled to the treasure that still exists today. The Monastery is the single oldest structure known standing in North America. Seth H. Bramson is nationally known as the foremost authority on the history of transportation to, from, and within Florida. He is company historian of the Florida East Coast Railway and author of 17 books, all relating to South Florida local and Florida transportation history. For more information or to reach the author, visit www.sethbramsonbooks.com. 22 UPTOWN south florida magazine
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