January 2013 #2

Republic of CroatiaJohn Offerdahl’s Gridiron Grill-OffPompano Boat Parade Pineapple JamboreeLighthouse A’Glow1st Annual Shop The Point

ML i g h t h o u s e P o i n t a g a z i n ewww.LHPmag.com Serving Boca Raton to Fort Lauderdale January 2013

LHP MAG JAN 13 12/11/12 4:19 PM Page 1

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LHP MAG JAN 13 12/11/12 9:43 AM Page 4

Around the Point is a column that includes news items relevant to the residents of LHP. We reserve the right to reject material that may not be in the best interest of the community.

A r o u n d t h e Point

www.lhpmag.com | Lighthouse Point Magazine 5

“Light the Broadway Lights for a Cure”The 2013 Relay for Life of Deerfield Beach/Lighthouse

Point/Hillsboro Beach is busy working on our 2013Relay. It will be held on April 13-14 at Quiet Waters Park onPowerline Rd. in Deerfield Beach, 4 PM - 9 AM.

Our 2013 Relay theme is “Light the Broadway Lights fora Cure”, which will be the inspiration for the creative boothsthat each team creates. Each Relay is filled with food,decorations, and entertainment.

We encourage cancer survivors and volunteers to registerand people in the community to make plans to join us at theRelay. We're also looking for those interested in forming ateam or joining an established team.

If you are a business interested in showing your support forthis top community event, please consider a sponsor ship.This is a tax-deductible donation and provides exposure foryou as well as benefiting our fight against cancer.

The music, entertainment, food, raffles, and auctionprovide plenty of enjoyment for all. Last year, our eventraised over $100, 000 and this year our goal is to surpassthat by $5,000. All the funds raised at Relays benefit cancersurvivors, those fighting cancer, and families dealing withthe loss of a family member from cancer.

We meet monthly at Dixon Hall, 2220 NE 38th Street,Lighthouse Point. If you, or someone you know, isinterested in participating in the Relay in any way, please goto our website at www.relayforlife.org/dblpfl or contact thefollowing people:

Event Chair: Nona Breitenstein, 954-304-4248,[email protected] Development Chair: Karen Hardy, 954-242-5485,[email protected] Chair: Kathy Galen, 631-891-7825,[email protected],Sponsor Chair: TJ Eagen, 954-592-3150, [email protected] Staff Partner: Jessie Brooks, 954-290-0898,[email protected]

9th Annual Taste of Lighthouse PointFills Yacht Club January 22nd

January for the Lighthouse Point Chamber of Commercemeans the Taste of Lighthouse Point, the chamber’s annualfundraiser that brings together the community for a night ofcelebration, fun, music, and of course, good food.

Some of the area’s top restaurants will be dishing outdelicious food for your taste buds, including: BonefishMac’s, Olympia Flame Diner, Red Fox Diner, Cap’s Place,Edible Arrangements, Hot Tomatoes, Lighthouse PointYacht Club, Oceans 234, Sicilian Oven, Packy’s Sports Grill,J. Mark’s, Nauti Dawg, La Mimosa, Bobby Rubino’s, Lito’sTurf & Surf, Publix, Costco and GFS Marketplace.

Email [email protected] for details on purchasingtickets. Tickets can also be purchased at Pac N Send ofLighthouse Point at 3640 North Federal Highway, LHP.

Jennifer Ebert Has Lost Her Brave Battlewith Cancer

Jennifer Elizabeth Ebert, age 39, of Deerfield Beach, diedon December 3, 2012 after a valiant five year battle withcancer—a bright ray of sunshine was lost. Born on May 16,1973, in Holy Cross Hospital, Jen was a beautiful, free-spirited, irrepressible force that touched the lives ofeveryone she met and will continue to live on in our heartsand fond memories forever. Survived by her adoring fianceof twenty years, Joseph Michel; father, Steve Ebert (Carol) ofthe Florida Humane Society; mother, Priscilla Harris;brother, Matthew Ebert; grandmother, Marjorie Nace(Gene); and many uncles, aunts, and cousins. She lovedboating, “baking in the sun,” sunrises and sunsets and wasan avid Heat, Gators, and Fins fan. She was unique ineverything she did and brought laughter, smiles, andmischief wherever she went. Jen is also survived by her twocrazy cats, Snowy Belle and Chen Chen. In lieu of flowers,donations to The Florida Humane Society, 3870 N.Powerline Road, Pompano Beach, FL 33073.

New Exchange Club FormedWe are excited to announce the third new club of the

2012/13 administrative year. Please join us in welcoming theExchange Excel Club of Zion Lutheran High School, DeerfieldBeach, FL. Thanks and appreciation goes out to the clubbuilders Larry Crismond and Randy Loren for their hardwork in building this club. The new club is sponsored by TheExchange Club of Pompano Beach, Florida.

The club officially chartered with 16 members onNovember 9. Charter officers are: President Hannah Coelho,President Elect Oscar Meneses, Secretary Jessie Galiette,Treasurer Tomas Feliciano and Historian Niaka Esperance.District Director Larry Crismond conducted the POMceremony. The new club is part of the Florida District (DistrictPresident Diana Walker), and Region 9 (Regional VicePresident Wayne Swindall).

To all the new members…WELCOME!!!

Jim Addis, Director of Club/Member Development and Events, raises the Florida flagin celebration of the Exchange Excel Club of Zion Lutheran High School, DeerfieldBeach, Florida. Pictured below are members of the Exchange Excel Club of ZionLutheran High School along with Florida District and national representatives

(from left): Wayne Swindall (Region 9 Vice President), Diana Walker (Florida DistrictPresident), members of the Excel Club, Larry Crismond (District Director) and

Robert Freidman (Club President – XC of Pompano Beach).


Features

Advertising Rates& Information

The Lighthouse Point Magazine ispublished monthly by City News

Group and delivered by mail, free ofcharge each month to residents ofLighthouse Point, Pompano Beach,Deerfield Cove, businesses and the

surrounding communities. Check our website for advertisingrates and specials for new clients,

or call 954-486-3820.

DEADLINES FOR CAMERA-READY ARTAND PREPAYMENT OF ADS ARE DUE

ON THE 1st DAY OF THE PRECEDING MONTH

OF PUBLICATION.ALL ON-GOING ADS MUST BE

CANCELLED BY THE 1st DAY OF THEPRECEDING MONTH OF PUBLICATION.

F r o m t h e Editor10 Republic Of Croatia

15 John Offerdahl’s Gridiron Grill-Off

18 Pompano Boat Parade

29 Pineapple Jamboree

31 Lighthouse A’Glow

40 1st Annual Shop The Point

6 Lighthouse Point Magazine | www.lhpmag.com

“In the present circumstances, no one can afford to assume thatsomeone else will solve their problems. Every individual has a

responsibility to help guide our global family in the right direction.Good wishes are not sufficient; we must become actively engaged.”

— His Holiness the Dalai Lama

NEW ADVERTISERS PLEASE NOTE!

Our Website address is www.LHPmag.com

Our address is NOTLighthousePointMagazine.com

Another company has registered the name. Beautiful Croacia was visited

recently by Eunice Hamblen. Enjoyher story which begins on page 10.Photo by Eunice Hamblen

Our Cover

LHP Chamber’s ‘Shop The Point’ Gains Support!

Stresses importance of aiding local economy

Forget Black Friday and BuyNothing Day. More obvious everyyear is that supporting our ownsmall businesses and our own MainStreets have become criticallyimportant. See the growing emptystores? It’s no secret.

Lighthouse Point Chamber’s newShop the Point initiative (see page40), started in November at theShoppes at Beacon Light, is just asmall example of what can be done to excite and motivate our residentsto do their shopping locally, as muchas possible.

Yes, shopping locally does makemore cents for our community andwill create more jobs. Look for ourtwo new tag lines to appearthroughout our magazine:

This does not mean completelywalling off the outside world, butthink how much it will mean bynurturing locally owned businessesthat use local resources sustainably,

employ local workers at decent wages,and primarily serve local consumers.

This will mean we’ll all have theopportunity to become more self-sufficient and less dependent onimports, and more importantly,become less beholden to the People’sRepublic of China!

Other initiatives, such as starting aSmall Business Saturday as a way toget the community to buy locally atunbeatable prices, may be also wortha try.

Getting to know and trust yourlocal retailer personally can havemany rewards. New stores will open,new jobs will be created, and a wholenew feel to the entire community willspring forth.

Before you begin your computersearch for your next purchase, pleasethink seriously about the wonderfulcommunity you live in, and what youcan do to make it even better!

Thank you, LHP Chamber, for yourexciting Shop the Point program. Theidea is catching on like wildfire!Jon Frangipane, Publisher

Shopping Locally Makes More Cents!

Shopping Locally Creates More Jobs!



A Pet Who Needs Love 8

Al’s Corner 72

Around the Point 5

As I Was Saying 24

Beauty Spot of the Month 26

Cantankerously Yours 56

Cookin’ with the Community 62

From the Editor 6

Garden Lady 26

Happy Birthday 70

Identity Theft 66

Legal Matters 58

On Religion 72

Out & About 4

Pet Birthday Gallery 71

To accommodate the many requests we

get for our publication, copies of the

Lighthouse Point Magazine are now

available during the first week of each

month at: LHP Library, Heart Rock Sushi,

Lito’s Turf & Surf, Red Fox Diner,

LHP Yacht & Racquet Club,

Bonefish Mac’s, Nauti Dawg, J. Mark’s

and Offerdahl’s Cafe. Call for other locations.


Contents

This complete issueand all back issues of

Lighthouse Point Magazine

can be seen on our great website at www.LHPmag.com

3467 N.W. 17 Terrace, Oakland Park, FL 33309OFFICE 954-486-3820 • CELL 954-608-3820

Email: [email protected]: www.LHPmag.com

Use the code at the right for quick access to our site.©2012 Lighthouse Point Magazine

JonFrangipane – Founder/Publisher/Editor BabsKall, Kall Graphics – Magazine Design & Layout

DebraTodd – Photography AmandaCoyne – Sales Rep/Writer WendellAbern – Staff Writer AlanWilliamson – Staff Writer

Contributing Writers & PhotographersDonna Torrey, Erica and Jan Davey, Rev. Jack Noble, Denise Richardson, Al Siefert, John Offerdahl, Catherine Favitta, Marla Schwartz, Judy and Bill Sullivan, Eunice Hamblen, Kelly Doyle, Captain MikeGenoun, Jennifer Kovacs, Dr. Andrea Corn, Andrea Freygang, Jeff Graves, Courtney Stephens, Valerie Amor

Serving Boca Raton to Fort Lauderdale

A pet who needs love

Lotto (What a winner he is)

I am a two year old Terrier mix. I am tested, shots up to date, and neutered. Icame to FHS from animal control after I had been hit by a car. The Doctor at animalcontrol repaired my fractured femur. So I am just fine. I am a wonderful sweetlovable boy but need to get to know you and then will be your best friend. I woulddo best in an adult home.

My friends and I can be seen at the Florida Humane Society, 12-4 Thursday-Sunday, located at 3870 North Powerline Road, Pompano Beach on the NE corner ofSample and Powerline next to the Citco car wash. You can also view us online atfloridahumanesociety.org or call 954 974 6152.

L I G H T H O U S E P O I N T M A G A Z I N E





you may have heard about Croatia’s beautiful coast and engagingpeople. This past September, I took a Country Walkers hiking trip tothe Dalmatian Coast, and the experience was better and morebeautiful than anticipated. Our trip itinerary started in the ancient cityof Split with visits to even older cities of Trogir and Salona. All threewere ancient centers of commerce. We ferried to and hiked theislands of Brac (pronounced Brasch), Hvar and Korcula (pronouncedKorchula), and ended our tour in the walled city of Dubrovnik.

The history of Croatia and the entire region is quite complex.Caught between the Mediterranean and central Europe, the regionwas subject to conquest from the East and the West. The Greeks,Romans, Slavs, Huns, Venetians, and Franks had control of part or allof the current territory at some time in early history. Dalmatia as wellas the rest of the region has been sliced and diced through two worldwars. The most recent conflict 20 years ago (after the break-up ofYugoslavia) left Croatia with properties along the coast from theItalian/Slovenia border, west to Serbia and Bosnia and south toMontenegro.

The Dalmatian Coast is located along the Adriatic Sea just east ofItaly. Its beauty is attributed to the many islands, safe harbors andprivate coves. A sunken mountain range creates the islands offshoreand a second mountain range creates the dramatic mainlandshoreline. I was surprised by the rocky topography, limestone to beexact. The islands and entire coastal region is limestone. Through thecenturies, farmers moved rocks from the fields to find what scant soilwas available to grow olive trees, and grapes as well as vegetables.

The millions of rocks that were moved over time are impressive.Almost the entire landscape is crisscrossed with rock walls. Sincelimestone was the most abundant resource, most houses, roofs,cisterns, animal sheds, and many tools were made from it. The hardsolid white limestone of Dalmatia has been mined since Roman timesand is still popular. The limestone construction helped preserveancient buildings such as Diocletian’s Palace, Venetian fortresses,cathedrals and of course the famous walled city of Dubrovnik.

Our trip started in the city of Split. We then traveled from island toisland, heading south to the city of Dubrovnik. Before leaving thecoast, we toured the remains of an ancient Roman stadium in Salona,and the even more ancient island town of Trogir (founded 380 BC)where we got our first a capella serenade. Singing with and without

CROATIAStory by Eunice Hamblen Photos by Eunice Hamblen and Kim Brown

HIKING ALONG THE DALMATIAN COAST

Ancient rock walls surrounding crop fields. Our wonderful a capella serenade.



music accompaniment is very much an attractive part of this culture.We returned to Split for a quick tour of Diocletian’s Palace. This extralarge highly fortified palace was the retirement home of Diocletian,the first Roman emperor to retire. Since the fall of Rome, it becamethe home to many local families as well as stores and restaurantswhich have inhabited it for several centuries. It is a living monumentof ancient times. We enjoyed a lovely lunch somewhere within thePalace walls where I ate my first of many octopus salads.

That same afternoon we boarded the Jadrolinija ferry for the islandof Brac. This was our home for the next two nights in the picturesquePastura Hotel built on the Adriatic Sea. Brac is famous for its beautifulwhite limestone. Our first hike took us to the village of Skrip foundedin 1000 BC by the Illyrians. The citadel wall which was started by theIllyrians (irregular rectangle blocks) and finished by the Romans(perfectly squared corners) was interesting as were the very old rockhouses with rock shingles in the village. We visited the “konoba”(means cellar and/or kitchen) of a village home where the oliveharvest in the form of oil is stored in large rock vats. Also stored in the

konoba is the grape harvest in the form of wine fermenting in largestainless steel vats. We were offered homemade grappa and driedfigs. This is very much a part of their culture. We were offered grappaand figs in most homes and restaurants we visited. We hiked to theoutskirts of Skrip to a lovely home for a typical Brac lunch in thegarden under the olive trees. Our lunch which consisted ofhomemade gnocchi with two sauces, tossed salad, red and whitewine, bread and olive oil was all produced on their land. Everythingtastes better when you are hungry, but I am convinced that the oliveoil from the Dalmatian islands is the best ever.

The gorgeous view from our balcony at the Pastura Hotel.

Our group posing in a white limestone quarry.

Illyrian/Roman structure with wild capers growing on the walls.

Konoba (cellar and/or kitchen) in Skrip.

Continues on page 36



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Photos by Debra ToddFive-time Pro-Bowl Miami Dolphins’ linebacker, John Offerdahl,

hosted the 3rd Annual Gridiron Grill-OFF Food, Wine & TailgateFestival on December 1st at the Pompano Beach Amphitheater to asold out crowd of fired up fans! 21 Miami Dolphins’ legends teamedup with south Florida’s best chefs, while fans were able to EAT, DRINK,VOTE on their favorite Grill-OFF recipes, and COMPETE in the ultimateTailgate Game—Cornhole Bean Bag Toss—a competition that pairedathletes with fans!

“This event allows me to bring together my two favorite worlds,”stated John Offerdahl. “A long time ago I got into football; then I gotinto the food business. What I realized is that if you put football andfood together you have a collision, and it’s an awesome collision.Who doesn’t love football and food,” said Offerdahl. “So I broughttogether the legends of the Miami Dolphins and South Florida’s bestchefs. These athletes and chefs give their talent and their service tothis event because when we collide to “Feed the Needs of Kids inCrisis” —we make a difference in our community.”

Fans sampled amazing food and wine pairings, talked with theathletes and enjoyed a beautiful afternoon of sun and fun. Formerlinebacker, Zach Thomas competing in his second Gridiron Grill-Offreally got into the event. “This is an awesome event to help kids incrisis,” said Thomas. “John brings all the guys together to help supportour community. There’s no other charity event like this in our area.”

The Cornhole Competition capped the day with celebrities, chefsand fans competing together. The team of Jeff Cross, Chef StantonBundy (The Royal Pig) and fan, Sean Wittneben took home thecoveted Gridiron Grill-Off Cornhole Trophy.

The “Critics’ Choice” Grill-Off Champion is based on the judges scoring.This year’s judge’s table was headlined by national & local celebrity judgesincluding Ray “Dr. BBQ” Lampe, Robyn “Grill Grrrl” Lindars, and SouthFlorida legends Chef Allen Susser & Chef Mark Milletillo.

“PEOPLES’ CHOICE” GRILL-OFF AWARD: Louis Oliver andExecutive Chef David Hackett (Hollywood Prime at the WestinDiplomat) – “Oliver’s HP Surf & Turf”, paired with Kendall JacksonPinot Noir

“CRITICS’ CHOICE” GRILL-OFF CHAMPION: Troy Stradford andExecutive Chef Greg McGowan (Pelican Landing) – “Stradford’sPork Belly Lettuce Wraps”, paired with Kendall Jackson Syrah

Over $25,000 was raised for Offerdahl’s Hand-Off Foundation,which “hands-off” the primary proceeds to 4KIDS of South Florida andHOPE South Florida.—

John Offerdahl’s Gridiron Grill-OffFood, Wine & Tailgate Festival


Grill-Off “Critics' Choice" Winners— Troy Stradford, John Offerdahl (Host),Chef Greg McGowan (Pelican Landing—Hyatt Regency

Pier Sixty-Six).


John Offerdahl’s Gridiron Grill-Off Continued from page 15



Culinary Art Institute of Fort LauderdaleSous Chefs.

Chef Jonathan Torres (Shula’s on the Beach,Westin Beach Resort) and Dave Shula.

Chef David Hackett’s Team (Hollywood Prime atWestin Diplomat Resort)

Grill-Off Competition Official Scoring Team.

Zach Thomas and Chef Lauren DeSheilds (Market17 Farm Fresh Restaurant & Bar).

GIGO Volunteers Heather Moraitis, JohnOfferdahl and Victoria Israels.

Fan with Chef Stanton Bundy (Royal Pig).

Jeff Cross and Mark Higgs.

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18 Lighthouse Point Magazine | www.lhpmag.com Shopping Locally Creates More Jobs!

Article by Andrea Freygang Photos by Debra Todd

Pompano Beach Celebrates50th Annual Holiday Boat Parade

North Broward’s most decorated event, the 50th

Annual Holiday Boat Parade, sailed December 9th

at 6 p.m. Those taking part were celebrating area’s

rich history, by being a part of this signature event

in one of several ways: by captaining a boat in the

parade, hosting a shore decorating party, watching

along the Intracoastal, or getting VIP treatment in

the lead boat with Grand Marshals Gwen and

Richard Leys.

Presented by the Greater Pompano Beach

Chamber of Commerce, the parade is co-chaired by

community leaders Dr. Brian Rask and Michele

Greene, and kicks off at Lake Santa Barbara in

Pompano Beach and ends at the Deerfield

Beach/Boca Raton line.

“We have looked forward to making this year’s

commemorative event really special,” said Greene.

“We have involved the residential and business

communities of Pompano Beach, Lighthouse Point and

Deerfield Beach! This was a fun event for everyone.”

Participants and sponsors received a gift bag

from local businesses, including a commemorative

ornament from renowned local artist Pat Anderson.

Sponsors this year include: KMC Marine, Dr. Brian

Rask, DMD, Merritt Boats, Festival Flea Market,

Pompano Ford-Lincoln, Two Georges at the Cove,

Publix, Oceans 234, Broward Sheriff’s Office, Isle

Casino, Aqua Marina Hidden Harbor, City of

Lighthouse Point, John Knox Village, Michele

Greene – State Farm Insurance, Furman Insurance,

OK Tire Store, Shane LeMar Entertainment &

Productions, Bonefish Mac’s, Beach Raker,

Umberto’s Restaurant, JB Dentistry, D&L Janitorial

Service, Sawyer and Latimer, P.A., Waste

Management and Wheeler Mortgage.






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Pompano Beach Celebrates50th Annual Holiday Boat ParadeContinued from page 19




A brand new year begins, a time of hope and growthand ditching the debris of the past. It’s a time of renewaland redemption and salvation. (A time to lose those extra15 pounds I’ve been lugging around like a recycle bin fullof beer bottles.)

Here’s how I’m planning to recycle my life and make2013 my best year ever.

Resolution # 1: I will become utterly absorbed in a newand greater reality while still maintaining my availabilityto participate in happy hours, barbecues, card games andother traditional, old-reality activities.

Resolution # 2: I will take the initiative to reach out andcall people to keep in touch. I will pick up the phone andcall distant family members, past and present friends, andpeople I went to school with. If no one on my A-list isavailable, I will dial numbers at random until I connectwith someone, somewhere and find out how their weekis going and what their weather is like.

Resolution # 3: I will take more pictures and capture morememories in 2013 then I ever have before. Since myprevious record for taking pictures in one year is four, thepressure is on to snap off at least one shot per quarter andthen squeeze in another one sometime during the holidayseason. Note to myself: buy a good camera, perhaps aPolaroid so I can pull the picture out, shake it while Icount to 60, and see the results sooner rather than later.

Resolution # 4: I will write, produce and star in atheatrical tribute to Mahatma Gandhi entitled “Dinnerwith Gandhi: Nothing for Me, Thanks.” In contrast to thetitle, the show will have something for everyone: partialnudity, intense nonviolent disobedience, and a raise-the-roof, wake-the-dead sound track alive with ambientchanting and melodic humming.

Resolution # 5: To make the work week seem shorter andless of a grind, I will lead a historic petition of the Federalgovernment to officially rename Thursday “Friday Eve.”While I’m at it, I will also formally request that Tuesdaybe renamed to reflect what it actually feels like, which is“Monday, Part 2.”

Resolution #6: I will strive to meet people that I havedisagreements with half way. At my discretion, as a showof good faith, I will meet them as much as 51% of the wayand buy them a complimentary cinnamon bun or multi-grain muffin, subject to availability. If that doesn’twork, screw ‘em – I don’t see anyone buying me acomplimentary multi-grain muffin.Resolution # 7: I will rekindle my personal pursuit ofcultural enrichment by reading more books and watchingless TV. First book on my list: “How to Read More Booksand Watch Less TV.” Second book: “Paradise Unplugged:The Hidden Perils of Reading Too Many Books andWatching Too Little TV.” Third Book: “No ReadingRequired: A Guilt-free Guide to Watching the Shows YouLove and Loving the Shows You Watch.” Resolution # 8: I will reunite with the original membersof my 1980s punk band “Chronic Caucasians” and launcha nationwide tour of second-rate amphitheaters,dilapidated band shells and flea market food courts. Iplan on calling it the “No Refunds Tour” to convey ourcommitment to delivering a crowd-pleasing performanceand to head off any frivolous lawsuits that would requiremy appearance in small claims court.Resolution # 9: I will finally fulfill my potential as ahighly-paid public speaker by training myself to talkeloquently in front of large crowds at business functionswithout prior knowledge of the functions’ purpose or themakeup of the audience. With a preparation approachbased on working smarter, not harder, I will win overaudiences by addressing them frequently as “a fine groupof buckaroos” and by limiting my speeches to exactly 11minutes. I will also give away small, hotel-size samplesof soap and shampoo. Resolution # 10: All kidding aside, I will strive each dayto live fully and spontaneously in the moment withgratitude, passion and a spirit of adventure.

Happy New Year everyone. May you live fully, lovedeeply, share generously and laugh often. (Justremember to pace yourself and take time now and thento be selfish and small-minded.) �

Resolutions 2013By Alan Williamson

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The Garden Lady Says…Pots of Possibility

By Donna Torrey

One of the most enjoyable aspects of gardening is beingable to collect pots. A well seasoned gardener soon has awide array of them.

Their design and composition can vary widely, but theoriginal pot was made of claylike materials, and to this day,continues to be the most popular.

Clay comes in different qualities and colors dependingupon where it comes from, and the firing process. Somesay the best clay pottery comes from Italy, but CentralAmerica and even the United States crank out someexcellent ones.

I am not that critical of where they come from; I amhowever, more critical of the shapes and designs. Iespecially love the ones that look old and are mimics ofantiques. The savvy gardener knows that the best pots havelichens, moss and a well seasoned look. Those pots tallerand shorter than standards are also high on my list, alongwith interesting rims and bases, and I also like blondertones of clay.

It’s great fun to collect an eclectic assortment; some tall,some short, some oval, some fanciful, some plain, and toarrange them on your patio or front porch, or whereverthere is the proper growing conditions. I even put potsright into the garden with shrubs and trees.

But the greatest thing about pots, especially thosewaiting to be used, stacked neatly in pot middens, is howthey pull us, ever so gently, into the realm of possibilities.

Our imagination is able to roam freely over the personalplant palette in our mind. Can you picture that antiquestyle with moss growing upon it, spilling forth with viola,lobelia, and trailing ivies? Or that new orchid justpurchased, or the newest succulent added to our collection.How about the container herb garden we’re continuallyadding to or more colorful flowers to enjoy…

Keep dreaming, don’t stop. Our gardens are like ourlives; virtually pots of possibility. Happy New Year. �

Garden gate Nursery is located in the Pompano CitiCentre. Donna can be reached at 954-783-GATE, or atwww.donnasgardengate.com

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Pineapple Jamboree CelebratesPompano Chamber’s 65th Anniversary

By Ric Green, Chamber President & CEO

Photos by Debra Toddhe Greater Pompano Beach Chamber of Commerce

celebrated its 65th Anniversary in November with a PineappleJamboree, a community birthday party at the Sample McDougaldhouse. The historic home, now located on N.E. 10 Street, wasrelocated from its original site on Dixie Highway just south ofSample Road, originally the site of a farm that grew bell peppers,green beans, eggplants and pineapples.

But that crop of sweet fruit was not the only reason thePompano Chamber chose to salute the pineapple. In colonial times,hostesses would set a fresh pineapple in the center of their diningtable when visitors joined their families in their homes. Visiting wasthe primary means of entertainment and cultural exchange, so theconcept of hospitality was a central element in colonial life. Thepineapple, then, symbolized the warmest welcome a hostess couldextend to her guests.

The Chamber’s Committee that organized the Jamboree madesure that pineapples were in abundance for the evening event towarmly welcome everybody. There were pineapple decorations,pineapple and chicken appetizers, pineapple wine, pineappleshooters, pineapple upside down cake, pineapple luminaries linedthe walkway, pineapple chunks were roasted over one the openfires along with marshmallows and everybody went home withtheir own pineapple plant.

The Sample McDougald House was open to attendees duringthe evening and featured special displays on the second floor thatshowcased the growth of the city over the past 65 years, and howthe Chamber evolved along with the community. One room had adisplay of photos of each of the organizations past Presidents /Chairs.They also had on display the minutes from the first meeting andvarious photos and collateral from other Chamber highlights and events.

T


Rob Brantley, George Minnach and Dan Hobby.



Other evening highlights were the “BounceHorse Race” that raised funds for the non-profitgroup “Pompano Has Heart,” and the fantasticmusic of Bungled and Botched, which hadattendees dancing on the house’s wrap-aroundfront porch.

“It was a great celebration on a beautifulPompano Beach Chamber of Commerce night, “said current Pompano Chamber Chair, JeanMcIntyre. “It was so much fun we may just do itagain next year.”

The enthusiastic race crowd cheers on the competitors.

Dr. Tania Adams.

Carol Harvey.

Bob Sewick, Lisa Spinelli, Manouella Martin and Jesus Martin.


Pineapple JamboreeContinued from page 29



Lighthouse A’Glow 2012Photos by Debra Todd

The community jammed Frank McDonough Park on Wednesday, December 5th forthe 10th Annual Lighthouse A'Glow. The event was begun by then Commisioner JaneMcLauglin, and has become a yearly fun time for the kids and family. The photos byDebra Todd tell the story.

Sponsors for the event include: Campbell and Rosemurgy Real Estate, SheehanBuick & GMC, Shoppes of Beacon Light, Heritage Investment Group, Tim Pine Family,Bill Dudziak Family, Waste Management, Adrian Thomas, P.A., Moran Yacht & Ship, TDBank, Bonefish Mac's, Oasis Lawn and Landscape and Coral Cadillac.




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As we hiked the trails of Brac, we found all my favorite herbsgrowing wild. Near our hotel, we noticed hedges made fromRosemary but we found it wild on the trail along with Oregano,thyme, sage, anise and bay leaves. There were wild free herbseverywhere. If you like to cook like I do, this was a gourmet’s fantasy land.

Our second day on Brac included a hike to a 16th centurymonastery built into the rock cliffs on the south side of the island. The priests who fled from the Ottoman invasion on the mainlandfounded the monastery and developed the surrounding landswhich produced 8 tons of honey and 8000 liters of wine for

export per year. The monks kept detailed records oftheir activities for centuries and these are preservedin a museum in the capital. We hiked down to aprivate cove where we were picked up by motorboatand delivered to town and waiting minibus. Ourlunch today, again in a lovely “Home and Garden”setting at a Sheppard’s hamlet, consisted of “Peka” alocal dish of lamb, chicken and vegetables roasted

outdoors under ashes for two to three hours. With Peka we also hadred and white wine, bread and olive oil. Grappa & figs were offered

before lunch asusual. After lunchwe traveled byminibus to thehighest point on theisland where sheercliffs overlook thebeautiful AdriaticSea. We could see apoint of gravel andsand called the

Homemade gnocchi, wine, olive oil, home grownfruit and many other treats round out

the fabulous lunch.

CROATIAContinued from page 11

A 16th century monastery built into rock cliffs.

One of many tranquil coves.

Enjoying a typical Brac lunch in the garden under the olive trees.

“Peka” a local dish of lamb, chicken andvegetables roasted outdoors under ashes

for two to three hours.



Golden Horn which changes shapes with the seasonal tides.Afterwards, we met our luggage at the dock and hopped a local boatto the Island of Hvar our home for the next two nights.

Hvar was built during Venetian rule (1278) to create a safe harborfor the important shipping to and from the orient. The city is builtaround this safe harbor and our hotel was one of the buildings. Wewere on our own for dinner and met the next morning on ourbreakfast terrace overlooking the harbor. The Hvar harbor, while notbig enough for cruise ships, was popular with private yachts. Hvar,like most Dalmatian’s larger islands, has a high limestone peak. OnHvar’s peak just above the harbor was built the 16th century Spanjola

fort. We hiked up to this fort for spectacular view of the harbor andsurrounding area. And then we were transported to the trailhead ashort distance away and hiked down into another lovely cove by thename of Milna, where we changed into swimsuits for a welcomedcool swim in the crystal clear water of the Adriatic. Lunch at theGostiona Milna Restaurant on the cove consisted of mussels, scampi,octopus salad and sea bass. All of which was prepared to perfection.Of course, there was plenty of bread and olive oil, red and white wine.

The Milna coveexperiencerated among myfavorites. Afterstuffing our -selves, onlythree of ourparty decided towalk the 5 milesback to ourhotel, the rest ofus opted to take the minibus.

The island of Hvar is known for its lavender fields. The next day wehiked through picturesque vineyards and lavender fields to a tinycoastal village known for its production of a red wine called Plavac.Their local white wine is called Posip. We stopped for lunch and winetasting once again on a scenic cove in the town of Nedjelja. Our lightlunch consisted of octopus salad, salted and marinated sardines and ofcourse bread and olive oil. We met our minibus and luggage for a shortride to another maritime transport, this time to the island of Korcula.

This article of the journey through lovely Croatia will be continued in the February 2013 issue.

The trail we were following with Hvar Mountains in the background.

The Hvar coastline nestledagainst the Adriatic Sea.

Plavic grapes.

Milna Cove where we swam and enjoyed lunch.

The view of Hvar Harbor from the Spagnola Fort.

Local Zlatan Plavac wineproduced from the picturesque

vineyards we hiked through.





Pineapple JamboreeContinued from page 30

Ralph Brigida, Amanda Dona, Yani Payne and Marsha Brigida.

Jed Crist being congratulated for his win.

Gwen Leys, Clarence Bartlett, Jed Crist, Jeanne McIntyre and Helen O’Rourke.



Shop the Point DebutsAt Shoppes At Beacon Light

Article by Andrea Freygang Photos by Jon Frangipane

Over the holidays, the Lighthouse Point Chamber of Commercelaunched a new marketing campaign called Shop the Point. We had agreat kickoff event at The Shoppes of Beacon Light, pictured here. TheChamber hopes residents will use the card year-round to enjoy savingsat local small businesses.

The goal of the campaign is to introduce residents to the manybusinesses in Lighthouse Point and encourage them to visit them.

“When we sat down this year as a board, we wanted to dosomething that would help our businesses, but also bring exposure tothe wider community, so we developed “Shop the Point,” said MikeMcLain, chamber president. “It’s the chamber’s version of a ‘Shop Local’campaign and we really hope residents get behind it and support theinitiative.”

To date, 40 businesses have confirmed participation in “Shop thePoint.” To learn more about “Shop the Point” or the Lighthouse PointChamber of Commerce, please visit www.lhpchamber.com or find us onFacebook at www.facebook.com/lhpchamber.

New Members for the Lighthouse Point Chamber of Commerceinclude:

Performance Insurance GroupWorden’s Art & FrameFlorida Shores BankIsagenix –Nutrition Consultant Gina GabrielleLighthouse Point Fitness

Upcoming EventsJanuary 22 – Taste of Lighthouse PointFebruary 19 – Social at Azure RealtyMarch 19 – Venetian Isles Sidewalk SocialApril 16 – Social at Hecker Dermatology

Tina Brady & Millie Walsh of Body & Soul Boutique. Charlie Davis of Beacon Light Jewelerswith his granddaughter, Madison Trowbridge.Kyle Hoy and baby Kaden of

Lito’s Turf and Surf.



Robbie Hilliard (aka Robert Friedman of Edward Jones).

Cappy Cramer and Jenny Krutek.

Gerson Rodriquez and Alan Duke of Bee Insurance.

Marsha and Dean Payne of Pet Haven with their son, Alex and daughter, Madison.

Laurie and Dennis Whiteman of Cardsmart.

Alexis Masciarella, Jayne DiGeorgio and Sharyl Jennaro.



Rick Averill.

Rene Sabatini and Elaine Snyder of Azure Realty.

Pat Anderson, Alie and Don Worden of Worden’s Art and Frame.


Alexis Masciarella.

Liqin Zheng and Bao Yu Lin of Golden China.


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John Offerdahl’s Gridiron Grill-Off Continued from page 16


Keith Sims and Sam Madison.

Gridiron Grill-Off Fans.

H. Wayne Huizenga, Jr.(Celebrity Judge).

AJ Duhe.

Lead Singer – band –"High Tolerance"

Keith Sims.Chef Marcos Vico (Cafe Vico) and Nat Moore.

Chef Oliver Saucy (Darrel & Oliver’s Café Maxx).

Lynn Offerdahl and Debra Todd.


www.lhpmag.com | Lighthouse Point Magazine 47Shopping Locally Creates More Jobs!

Pompano Beach Celebrates50th Annual Holiday Boat ParadeContinued from page 23



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Your Health is Your Wealth Holistic Approach of Healing the Body

Holistic health is a concept in medical practice stating that all aspectsof people’s needs, psychological, physical, social and professional shouldbe taken into consideration and seen as a whole. As defined, the holisticview on treatment is widely accepted in the medical field. Anotherdefinition used in alternative medicine, claims that disease can be a resultof physical, emotional, spiritual, social and environmental imbalances.

People should be aware that massage is not just for pampering!Health experts will advise you that massage will help in the healing ofyour body. Additionally, your stress will be removed. Of course youhave to find the right Licensed Massage Therapist to remove yourtoxins! What are toxins??? Well, toxins are produced due to stressrelated issues. When a person becomes stressed out their muscles startsto tighten up and when this happens your blood does not flow as itshould. As we are all aware, your blood brings nutrients and oxygenthroughout your entire system. This will flush out toxins andrejuvenate your body!The Benefits of Massage TherapyMassage Therapy is useful for all these conditions listed below:• It alleviates low-back pain and improves range of motion. • Relieves pain from having Torticollis (Neck Area)• Shoulder Pain• Assist with shorter, easier labor for expectant mothers and shorten

maternity hospital stays. • Ease medication dependence. • Improve blood circulation, pumping oxygen and nutrients into

tissues and vital organs.

• Stimulates the lymphatic system and enhances the immune system. • Exercise and stretch weak, tight, or atrophied muscles. • Help athletes of any level prepare for, and recover from, strenuous

workouts. • Improves the condition of the skin. • Improves joint flexibility. • Reduces depression and anxiety symptoms. • Promote tissue regeneration, reducing scar tissue and stretch marks. • Reduce post-surgery swelling and adhesions. • Reduce spasms and cramping. • Relax and soften injured, tired, and overused muscles. • Release endorphins (feel good hormone and body’s natural

painkiller).• Relieve migraine pains. • Aids injury rehabilitation, pain reduction and elimination, and

increase athletic performance.If you are suffering from nagging pain, numbness, or injury, massage

therapy can help you. You can choose not to take the medicine that hasside effects! But of course, if it is beyond the ability of massage to resolveissues you must seek to see a Medical doctor for any test.

At Gen Spa, with our well-trained staff, we have the ability to helpyou improve your health! You are in charge of yourself, and no onewill do it for you. You can make the choice in a holistic way of treatingyour body without side-effects! Your health is your wealth!!Visit us at: www.genspa.com or www.facebook.com/GenSpa1. �

H o l i s t i c We l l n e s s

By Generosa Dingal – Licensed Massage Therapist and Owner of Gen Spa in Pompano Beach

Body Modification: TattoosThese days, body modifications are all the rage. However, some of

these changes to the body are not without problems. Approximately36% of Americans aged 25-29 years old have had one or more tattoos.Tattoo pigments may contain heavy metal and iron that act asconductors during a routine MRI, can cause a burning sensation andintense pain. There have even been reports of severe burning associatedwith tattoos and MRI. If this occurs, applying a cool compress or icepack to the area can reduce the burning sensation.

It is difficult to always know what is in a tattoo since there are nofederal regulations of tattoo pigments or of tattoo studios. Internationalsuppliers of tattoo pigments rarely supply a list of ingredients.Commonly, tattoo artists also may mix their own colors and since theyhave no training in anatomy, infection control or universal precautions,your guess is as good as mine as to what is truly in the tattoo color beingapplied. Because of these concerns, the Red Cross prohibits blooddonations from anyone who has gotten a tattoo or piercing in the last 12 months unless the tattoo was done at a studio certified by the Association of Professional Piercers or at an Alliance of ProfessionalTattooists studio.Body Modification: Piercings

Piercing is a common practice in many cultures. Among 16-20 yearolds, piercings are the most common form of body modification.

Piercings can include rings, anchors, studs orother metallic objects that poke through variousparts of the body. One survey of 225 adolescentswith piercings who were seen at an urbanhospital found an associated infection in 74%,bleeding in 30%, allergic reactions in 26%, andkeloids in 19%. This was commonly seen in the upper ear cartilage asthis area has less circulation, it is prone to poorer wound healing andone can see more serious infections from piercing the upper ear. Otherpiercing issues include tongue piercings that have been associated withHepatitis, HIV, endocarditis, significant blood loss, lingering pain andtrigeminal neuralgia. Systemic infections such as tetanus have been seenfrom body piercings as well.Conclusion

It is very important for clients of these studios to ask questions, dotheir homework and not just get a body modification ‘on a whim.’Clients need to know what the risks of these procedures are and to bean informed consumer. �

To learn more about this exciting topic or for any other Dermatologicconcern, contact us at Hecker Dermatology Group, P.A. New patientswelcome and most insurances accepted. Visits are by appointment only.Contact us at: 954-783-2323, visit us on-line at: www.heckerderm.com or like us on Facebook.

Tattoos and Piercings Can Be Harmful By Melanie S. Hecker, MD, MBAS k i n C a r e




Lighthouse A’Glow 2012Continued from page 32




January 22, 20136:00 - 9:00 pm

at Lighthouse Point Yacht & Racquet Club

Lighthouse Point

Taste of9th Annual

Enjoy the best food and wine our local restaurants have to offer!

Tickets $50pp Purchased in Advance atPac N’ Send of Lighthouse Point, 3640-B3 North Federal Highway

$60pp at the Door

SAVE THE DATE

SPONSORED BYBobby Rubino’sBonefish Mac’sBrusco’sCafé MaxxCap’s Place Costcoda Campo OsteriaDuffy’s Sports Bar & GrillEdible ArrangementsEl JefeGFS MarketplaceHot Tomatoes

JC Wahoo’sJ. Mark’s RestaurantLa MimosaLighthouse Point Yacht ClubLito’s Turf & SurfThe Nauti Dawg Marina CafeOceans 234Olympia Flame DinerPacky’s Sports GrillPublixRed Fox DinerSicilian Oven

Cathy L. Prenner P.A.

Knox Pools

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Join the Lighthouse Point Chamber of Commerce as we sample fare from our fine restaurants.

THE LIGHTHOUSE POINT CHAMBER OF COMMERCEwww.LHPChamber.com • [email protected] • 954-946-6610




Dear Fellow Curmudgeons,It all started with Susie Corrigan. Senior year. High

school, Chicago. Susie sat across from me in AmericanHistory. Every senior guy in the school wanted to go outwith Susie. She looked like Mitzi Gaynor’s Siamese twin.And would probably graduate as our Valedictorian.

Before each class, I flirted with her shamelessly. Nothing.I’d get serious, ask if she agreed with the Dred ScottDecision. A shrug. Played on her emotions, telling her allabout my miniature Dachshund, Neanderthal. A nod.

Once class was over, she ignored me altogether. The hellwith that. I was not going to be ignored. In fact, I decided totake Susie to the prom! Knowing her popularity, I had tocall her before the idea occurred to some other guy.

“Hello?”“Hi, Susie, it’s me. Wendell.”“Wendell who?”This did not bode well. There couldn’t be three guys in

the city of Chicago named Wendell. “Um...the Wendell who sits across from you in history.”“Oh. I thought your name was Warren.”I had clearly made a big impression. Before any more

blunders, I felt I had to get right to the point. “Listen, Susie, I would love to take you to our prom.”“The prom! The prom is in June! This is September!”“I know. I was afraid you’d be married by then.”“Very funny. But it turns out I am going with someone on

a kind of steady basis. Do you know Bob Langston?”“From the football team? The one they call ‘Bubba?’”“Yes.”Bubba could bench-press a Cadillac. I went to the prom with Emily Gomberg. But one learns from pain. I determined in that senior year

that any time someone ignored me, I would demandattention through any means necessary.

Flash-forward 50 years. We move to Florida. It doesn’ttake long to learn that people in positions of offering servicehave made an art form out of ignoring people.

My former bank, for example. I go to cash a check on aSaturday morning and get into line at the drive-through.After three minutes, I realize no one has moved, want toback out but can’t because of the two cars behind me. In fact,there are three cars in each of the three lanes. I jump out, runinto the bank and see three tellers completely ignoring thecars in line.

“You’re losing!” I shout. Everyone stops and looks at me;the security guard frowns. “The car lanes are winning, nineto three!”

The security guard comes over and says, politely, “Sir, ourtellers are doing as well as they can.”

“They got a new thing!” I shout to the tellers. “It’s calleddrive-through. Cars drive up with people inside and expect tobe helped. Very big at places like McDonald’s and Burger King.”

The security guard escorts me out. It takes me six moreminutes to cash a check and six more days to change banks.And of course, one can always cite the emergency room of anyhospital, where being ignored is the accepted modus operandi.

My last visit was a little more than a year ago. Badly

infected toe. An angry shade of red.Very swollen. Red streak from toecreeping up my foot.

I explain my problem to a niceyoung man sitting at the admittingdesk. He tells me to take a seat. I have very cleverly broughta book with me. An hour passes. I have read four chapters. Igo up to the young man at the admitting desk and ask,“Have you figured out a way to solve the problems in thisemergency room?”

“What problems are those?”“I rest my case.”“Sir, you’re going to have to be more specific.”“Okay, here’s a specific problem. My infected toe is

getting redder and swelling up by the minute. You may ormay not know this, but this could easily be a staph infectionor blood poisoning.”

“Sir, everyone here has a medical problem. I will get youin to a doctor as quickly as I can.”

Two and-a-half hours later, I see the doctor. X-rays. Anti -biotics. And a lecture. “This could easily be a staph infectionor blood poisoning! Why weren’t you in here earlier?”

The infection cleared up before my toe fell off. Otherwise,I would have sued.

When it comes to ignoring customers, however, my localWal-Mart pharmacy has raised the bar. One morning, I go topick up a prescription. I’m number four in line. A pharmacistis on the phone; two assistants are working behind thecounter, one giving instructions to the other. No one is evenlooking at the four of us waiting to pick up prescriptions.

Three minutes go by. Finally, I shout, “You’re losing, fourto three!”

The elderly woman in front of me turns and says, “Goodfor you.”

However, not one employee looks our way. Another olderwoman joins the line behind me.

“We’re gangin’ up on you,” I yell.The old woman in front of me crosses her arms, turns to me

and says, “They're always like this. Like we’re not even here.”“Hello!” the woman behind me shouts. “We're here!

We’re here!”I grin. I had started a revolution. The old woman in front

of me suddenly holds her tummy and shouts, “Help! Mywater just broke!”

Finally, one of the assistants makes it over to the counter.By this time, there are eight of us in line.

“You probably haven't heard of us,” I say as casually as Ican. “We’re a whole new species. At some places we’recalled customers.”

“We’re doing as well as we can,” she huffs. I get my prescription seven minutes later. The pharmacist shoots

me a dirty look. I blow her a kiss.* * *

A final warning to all produce clerks, cashiers, tellers andanyone else who chooses to ignore me: arm yourself well.Cantankerously Yours, Wendell AbernWendell Abern can be reached at dendyabern@comcast. net.

Ignore Me, Will You?By Wendell Abern

C a n t a n k e r o u s l y Yo u r s


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By Catherine Iaconis FavittaAt the beginning of the New Year many take a fresh look at

their business and personal relationships. Patrick Morley’s book“The Man in the Mirror” is one of the best sources of advice forthose in the process of making a living who find they are out ofkilter with the people they care most about.

Morley says the “rat race” has the single most devastatingeffect on families. “Do you know anyone who has ever won therat race?” Morley asks. He defines the rat race as chasing after awrinkle-free life without realizing there is no possibility ofattaining it. It is easy to visualize a small rat running around awheel inside a cage and never getting anywhere, but theproverbial rat race is more devastating to families than futile.There is the reality of the daily stress, the toll on health andrelationships, as well as the insult of all the debt one likely takeson in the process of trying to get ahead.

The best part of life is our relationships. Putting them injeopardy to be profit driven is a tragic mistake. When someonechooses to get caught up in the rat race, Morley explains,“fracture lines soon appear in relationships, and crumbling is notfar behind. Unfortunately, all too often, in pursuit of the goodlife, most men leave a trail of broken relationships.”

According to Morley, it is never too late to stop and ask these

questions, which are perfect for thebeginning of a New Year:

• What is the purpose of my life? • Are any of my relationships in shambles?• Am I so far in debt that I can’t imagine getting out

of the mess?• Who am I trying to please when I get up in the morning?For each person caught up in a rat race, the answers are

different, but for everyone, the solution is as simple as stopping toask: What do I want to do about it?

How about deciding to get out of the rat race and makeimportant relationships a priority this year instead. The GoldenRule should help. Take responsibility for every action (that’s right—no blaming someone else). Then, make a commitment to treatothers the same way you want others to treat you (that’s right—whether the other person does the same or not). Those who choosethis path find it leads to personal health, success at work andhappier relationships! �

Catherine is a Florida Supreme Court Certified Marital & Family LawMediator who retired from her full-time law practice. She has been servingSouth Florida for over twenty-nine years.

L e g a l M a t t e r sStart the New Year with the Man in the Mirror

Body & Soul BoutiqueCelebrates 10 YearsPhotos by Andrea Freygang

Betsy Brauser, Michelle Koss and Juliette Woodmansee.

Body & Soul Boutique celebrated 10 years in business in LighthousePoint on November 15th with a party for their customers and vendors.Music was supplied with Karaoke by Fire and Ice Productions, andcatering by Lito’s Turf and Surf; everyone had a great time. OwnerMillie Walsh said, “This night was a thank you to my customers. Iwouldn’t be here without them.”

Millie and Brian Walsh.

Charlie & Kateryna Spalma and Mary Provenzano.


Hecker Dermatology Group, P.A.

MAKE THE CALL! (954) 783-2323

3500 NE 5th AvenuePompano Beach (near North Broward Hospital)

Most Insurances Accepted www.Heckerderm.com

Saturday and evening appointments available in 2012

Dermatology for the entire family!By Melanie S. Hecker, MD, MBA

Prevent or Lament?The 4 Step Anti-Aging Regimen

Step 1: Topical AntioxidantsAnti-oxidants neutralize free radicals generated by UVA/UVB rays. The skin’s most important and abundant anti-oxidant is Vitamin C. When combined, Vitamin C and Vitamin E offer a much higher level of prevention because they work synergistically to increase photo-protection and prevent aged skin. Remember, anti-oxidants are not sunscreens; they work to prevent the damage from exposure to the sun’s rays. SkinMedica’s Vitamin C and E Complex, which when this product is applied daily helps to prevent fine lines and wrinkles by neutralizing free radical destruction.

Step 2: Daily Application of Broad-Spectrum SunscreenPhysical ingredients in broad spectrum protection sunscreens (both protecting against UVA and UVB rays) are the key to shielding your skin against the sun’s harmful rays. However, I am not recommending your parents white, zinc oxide paste; now some formulations of zinc oxide are transparent and offer cosmetic elegance when applied to the skin. SkinMedica Environmental Defense SPF 30+ which contains 8.5% Zinc Oxide, Green Tea Extract, Hyaluronic Acid, and Caffeine. Additionally, SkinMedica’s SPF 50+ UV Proplex is a water-resistant and sweat-resistant sunscreen designed for active patients such as golfers, joggers, etc.

Step 3: Human Growth FactorsThere are 118 very important growth factors found in newborn skin. These growth factors are essentially instructions for your own skin on how to grow as perfectly as possible. Research has shown that when these growth factors are extracted and applied to sun damaged, aged skin, they help to rejuvenate and regenerate your own skin to be as perfect as possible. The basis of this technology comes from wound healing research for burn victims. SkinMedica’s TNS Recovery Complex contains a 93% concentration of human growth factors. When applied twice daily, patients should expect a reduction in fine lines and wrinkles as well as an improvement in tone and texture of the skin.

Step 4: RetinoidsThe gold standard for anti-aging is a nightly, topical application of Vitamin A. Not all Vitamin A products are equivalent. Concentration is the key for effective results. The higher the concentration of Vitamin A, the more irritating it can be so I recommend easing into the higher concentrations. Start with a lower concentration of this powerful anti-aging ingredient and build up to the highest tolerated Vitamin A possible. A stepwise approach to correction is to start with SkinMedica’s Retinol Complex 0.65% for three months then bump up to SkinMedica’s TriRetinol ES 1.1%. This will allow you to ease into what is the powerhouse of anti-aging products.

For a consultation, contact Hecker Dermatology Group, P.A. New patient and most insurances accepted. Call 954-783-2323 or visit us on-line at: www.heckerderm.com. Please visit our new location in West Broward – coming December 2012.

Like us at: Facebook.com/Hecker-Dermatology-Group-PA

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We have 43 girls this year, under the coaching of Denise Brown, their ages range from 6-12. The girls cheer for the LHP flag football city teams. The cityhas purchased new uniforms for this year’s cheerleaders. Denise Brown's assistant coach is St. Coleman's cheerleader, Sophia Crissy.

Lighthouse Point Cheerleaders

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Cookin’ With The CommunityWe encourage those who can perform magic in their kitchens to submit favorite creations that can be enjoyed by readers of our magazine.

To submit your recipe, please email us at: [email protected] and type “RECIPE” in the subject line.

WE ALWAYS WELCOME

YOUR FAVORITE RECIPES

PLEASE SHARE THEM

WITH YOUR NEIGHBORS!!

Mom’s Chicken Noodle SoupIngredients:• 4 large boneless skinless chicken breasts• 2 tbsp olive oil• 2 medium yellow onions• 1 cup carrots sliced 1/4" thick• 1 cup celery sliced 1/4" thick• 1/2 cup fresh parsley• 4 cans low sodium chicken broth• 1 tbsp Better than Bouillon chicken flavoring• 1 tsp garlic powder• 1 tsp onion powder• salt and pepper• 1 box favorite small pasta (soup noodles, campanelle,ribbons, etc)

Preparation:

In a large pot, simmer carrots, celery and onion in olive oilunder tender. Add chicken breasts, soup, and all seasonings.Add one soup can full of water to dilute a bit. Simmer on low2-3 hours until chicken is fully cooked.

Take out each chicken breast and shred with a fork. Putchicken back into pot and keep on low until ready to serve.

In a separate pot, boil water for noodles. Cook pasta, drain,and serve soup over pasta. Serves 6-8 (or freeze leftovers)

Greek Yogurt Caesar DressingIngredients:• 1/2 Cup plain nonfat greek yogurt• 1/2 Tsp anchovy paste• 1 Tsp fresh lemon juice• 1 Tsp balsamic vinegar• 1 Tsp dijon mustard• 1/2 Tsp worcestershire sauce• 1 Garlic clove• 2 Tbsp parmesan cheese• Salt and Pepper

Preparation:In a food processor, blend all ingredients. Serve atop yourfavorite caesar salad ingredients.

White Chocolate Peppermint BarkIngredients:• 1 Block white chocolate• 1 Large, or 25 small red white and green striped candy canes,crushed into small pieces

Preparation:Heat white chocolate in a double broiler over low heat until it isall melted. Add crushed candy cane to the chocolate. Makesure chocolate stays warm. Pour mixture onto wax paper-linedcookie sheet, spreading thin with a spatula. Place cookie sheetin freezer until the mixture has hardened.Take out of freezer and crack into small pieces. Remove waspaper and store at room temperature. (I like frozen chocolate,so I keep mine in a freezer bag and store in the freezer).

Taco Salad Ingredients:• 1.5 Lbs lean ground round• 16 oz can crushed tomatoes• 1 packet taco seasoning• dash of garlic salt• dash of salt; dash of pepper; dash of tabasco• 1 4oz can drained chopped green chilis

• 1/2 head of romaine lettuce• 1/2 head of iceberg lettuce• 1 jalapeno, chopped and seeds removed

• 1/2 Cup corn• 1/2 Cup rinsed and drained black beans• 3/4 Cup shredded reduced fat 2% cheddar cheese• 3/4 Cup shredded pepperjack cheese• 1/2 Cup chopped green onions• 2 Medium tomatoes, chopped• Fritos chips (about 2 cups)

Preparation:

Brown meat in pan over medium-high heat. Add taco seasoning.Add crushed tomatoes, chopped green chilis, garlic salt, S&P andtabasco. Let simmer for 20 minutes, then remove from heat.

Chop iceberg and romaine, rinse and dry. Layer the following:lettuce, jalapeno, corn, black beans, green onions and cheese.

Pour the meat mixture evenly on top, then top with choppedtomatoes and fritos chips. Serves 4 - 6. Toss and serve!

Lighthouse Point resident, Courtney Stephens, shares some ofher favorite recipes. You can find all of these and many more recipes

on her blog at www.floridagirlfood.blogspot.com



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Troy’s Pork Belly Lettuce WrapREADY…Line up your ingredients

Jicama Kimchi• 1 Large Jicama, peeled & julienned • 1 t Kosher Salt • 1/4 cup Sugar • 8 cloves garlic, minced• 1/4 Cup Ginger, minced • 1 Cup Julienned Carrot • 1 Cup Scallions, sliced fine • 1/2 Cup Light Soy Sauce• 1/4 Cup of Korean Spice Paste

Mix together the salt, sugar, ginger, soy, garlic and spice paste together. This makes the brine, which should look like a creamy, red saladdressing. If it’s too thick, add a little water to smooth it out. Mix the Jicama, Scallions and Carrots in, and let it marinate overnight.

S & S Pickles• 2 European Cucumbers, sliced thin • 1/4 Cup kosher salt • 1/2 Cup Sugar • 1 T red chili flakes

Take the cucumbers; place them in a mixing bowl. Add the salt, sugar, chili flakes, and crushed garlic. Mix together until cucumbers are coated. Let cure for 1 hour, and remove from brine.

Ginger-Scallion Barbecue Sauce• 2.5 Cups Thinly Sliced Scallions • 1/2 Cup Minced Ginger • 1/4 Cup Blended Oil• 1/2 Cup Teriyaki Sauce • 2 Tbspn Sherry Vinegar • 1 Tbspn Kosher Salt

Mix all ingredients in a bowl and it's good to go 15 minutes later.

Braised Pork Belly• ¼ Pork Belly • 2 Tbspn Kosher Salt • 2 Tbspn Sugar • 2 Tbspn Lemon Pepper

Braising Liquid• 1 Onion, Diced • 2 Cloves Garlic, Crushed • 1 Bunch Thyme • 2 Qts. Chicken Stock

Season the pork belly with salt, sugar and lemon pepper one hour before cooking. Pre-heat oven to300°. Put all of the vegetables into a Dutch oven and bring to a boil. Turn off heat and add pork belly intopot. Place in oven and braise until tender. Remove from liquid and cool.

Pork Belly Lettuce Wrap• Thick Sliced Braised Pork Belly • Ginger-Scallion Barbecue Sauce• Jicama Kimchi • S & S Pickles• Bibb Lettuce, washed & separated into individual leaves

The Gridiron Griller

Running Back, Troy Stradford teamed up with Chef Greg McGowan of Pelican Landing to create an amazing recipe that is packed with flavor you will savor!

Recommended wine pairing…Kendall Jackson Vintage Reserve Syrah

JOHNNY SAYS…

“Playing for the Dolphins was a great experience! To Eat, Drink, Vote & Compete where Celebrity, Competition &

Charity COLLIDE is even more fulfilling! Grill ON and join the Grill-Off as it “Feeds the Needs of Kids in

Crisis” throughout South Florida!!”

LET’S GRILL…Take it to the Grill…

Grill the sliced pork belly over open flame, basting with the Ginger-Scallion sauce, when charred and tender, serve in lettuce cup withkimchee and pickles, and enjoy!

Wow! What an amazing event thethird annual Gridiron Grill-Off was!For those of you that came out tobeautiful Pompano Beach December 1st, you were treated tospectacular weather, delicious grilled gourmet food, wonderfulwines, beers and desserts while getting autographs fromDolphin legends and competing in cornhole for a cause—Feeding the Needs of Kids in Crisis! For those of you whomissed, get your tickets early next year! I’ve included the“Critic’s Choice” Champion Recipe so you can try it at home onyour own grill.



954-783-6694Robert Friedman, AAMS1827 NE 24th StreetLighthouse Point

FL 33064MEMBER SIPC

[email protected]

www.edwardjones.com

The holidays can be joyous — and expensive. Tostay on track toward your financial goals thisholiday season, consider these suggestions:First, when giving gifts or hosting holidayparties, set a budget — and stick to it. And dosome comparison-shopping for the gifts you buy.Here’s another tip: Minimize the use of creditcards. And if you do use a card, pick the one withthe lowest interest rate and try to pay it off quickly.Also, when paying for holiday expenses, try to avoid dipping intolong-term investments. You could incur fees and penalties, andyou’ll rob yourself of some of the growth potential of theseinvestments.Finally, after the holidays are over, start a fund for next year. Byputting away even a small amount each month into a low-risk,liquid account, you may end up with enough to brighten the nextholiday season.

Don't Take a “Holiday” fromWorking toward Financial Goals

Offer Expires: Jan. 31, 2013



ID Theft after the HolidaysBy Denise Richardson

Nothing can wipe out your lingering holiday spirit fasterthan finding out you've been a victim of identity theft. Theholidays are supposed to be a joyous time, but for those whofall victim to identity theft during the holiday shopping seasonthis joyous time can turn into a nightmare. Even if you havetaken steps to help prevent identity and credit card theft beforeit happens, there’s certainly no guarantee you’ve managed todo so successfully. Even if you do everything right—there’salways a chance that somebody else has not. If you happen tobe one of the unlucky ones whose personal or financialinformation has been compromised or stolen during theholiday season, the best thing that you can do is try to catch itas quickly as possible.

The best way to detect identity theft is to monitor youraccounts and bank statements each month, and check yourcredit report on a regular basis. Unfortunately, manyconsumers learn that their identity has been stolen after somedamage has been done.• You may find out when bill collection agencies contact you

for overdue debts you never incurred. • You may find out when you apply for a mortgage or car loan

and learn that problems with your credit history are holdingup the loan.

• You may find out when you get something in the mail aboutan apartment you never rented, a house you never bought,or a job you never held. Check your credit card accounts online or over the phone

and keep checking every day until every single purchaseyou’ve made is accounted for. If you find any purchases thatyou didn’t make, contact your card issuer immediately toreport the charge so they can investigate and issue you a newcard if necessary. Don’t stop watching your accounts as soonas all of your purchases show up, however. Just because some -one hasn’t made any purchases with your stolen informationimmediately doesn’t mean that they never will.

Your credit card account isn’t the only thing that you shouldkeep an eye on, either. Take the time to open any credit cardapplications and other special offers that you receive in themail. If you just toss them out you may miss an important cluethat your identity is being tampered with.

Awareness is an effective weapon against many formsidentity theft.

Be aware of how information is stolen and what you can doto protect yours, monitor your credit reports and personalinformation to uncover any problems quickly, and know whatto do when you suspect your identity has been stolen.

Of course, once you get through the holiday season you’restill not quite in the clear. It’s time to prepare for tax season.Tax filing season is yet another favorite time of year for identitythieves. Now that the New Year has arrived; it's time to startthinking about W-2s and 1099s and other sensitive informationdue to arrive in your mailbox.

All of this paperwork is potentially more valuable to thievesthan your credit card number or PIN since it contains yourname, address and Social Security number… three items thatcan not only help a thief to steal your identity but that can alsobe used to steal your tax return. And the thieves know that thisinformation is coming in January since it’s required by law thatemployers and financial institutions send it out by the end ofthe month. Consider putting a lock on your mailbox if it isdesigned for one, or replace your mailbox if you can so that itcan be locked and only you’ll have the key. A lockable mailboxeliminates at least one threat since it allows mail to be put inwith little difficulty, but only you can take mail out.

Identity thieves have managed to steal millions of taxpayerdollars by filing fraudulent tax returns using the names andSocial Security numbers of other people—dead or alive. Thanksto electronic filing, anyone with access to your social securitynumber and your W-2 form could file your tax return—andsimply have the refund check mailed to a different address.

Beware of tax season scams Con artists will target any sort of vulnerable demographic.

Just like with any email, text or phone scam, fraudsters use a hook they know will draw in the most victims. Don’t takethe bait.

If you get a voice mail, text or email that claims to be fromthe IRS, it isn’t. The IRS does not send unsolicited emails—norwill they tweet you! They will not contact you on Facebookasking you to fill out a “special form” to receive your taxrefund. If you find yourself questioning the validity of anyinquiry claiming to be initiated by the IRS, or for that matter,any business or financial institution you do business with,contact them directly.

As always, report any fraudulent or suspicious activity assoon as possible to prevent a thief from being able to run up ahuge bill or worse; empty your bank account. Armed with theknowledge of how to protect yourself, and take action, you canmake identity thieves' jobs much more difficult! �For additional information visit my site atGiveMeBackMyCredit.com or email me directly [email protected]

I d e n t i t y T h e f t



The city of Lighthouse Point’s Waterway Committee is comprised of volunteers that areboth long-time residents of the city and knowledgeable boaters. The committee has adeep concern for the welfare of both the waters and land throughout the city. Asadvisors to the cities Planning & Zoning Department, the committee is able to offerrecommendations on various planning and zoning issues.

The main funding for the Waterway Committee is earned by the very volunteers onthe committee. Each January, LHP and Pompano join together to host the NauticalFlea Market. The 23rd annual event will be held on January 26th – 27th in thePompano Community Park. Through the proceeds of this highly attended event, thecommittee has been able to fund many local projects, including:

� Purchased prams for the cities Youth Sailing Program. Kids learn to respect thewater while at the same time learning valuable lessons about how to navigateand captain a sail boat.

� The purchase and maintenance of the “Canal Pal”, a 17ft Carolina Skiff with a50hp Yamaha engine used by Public Works to travel the canals to maintain theirappearance and use.

�We are currently in the process of replacing all the canal signs that designate the street that the canal is bordering.When completed, every canal will be identified with a reflective sign.

� In the past, we’ve funded depth surveys of the canals used for the city to determine dredging needs, and recentlyfunded a high tech “Hydrographic Survey” that precisely shows the current depth of every canal in LHP. Whencompleted residents will be able to access this information on line.

� The construction of the DeGroff Park gazebo was funded by the committee, and just recently we had the gazebo floorand attached walkways resurfaced with brick pavers. Check it out—it’s beautiful and a great place to take your family.

Every LHP resident has a responsibility to take care of their property within the city, and equally share a part in helping tokeep Lighthouse Point beautiful. The LHP Waterway Committee represents a way for each resident to accomplish this task.With the next Nautical Flea Market coming up on January 26th and 27th, 2013, now is a great time to get involved in yourcity. If you would like to volunteer please email Lou Petrone, Chairman at [email protected]

January 26 & 27, 2013Community Park • 920 NE 18th Avenue

Pompano Beach

Keeping Lighthouse Point BeautifulBy Michael Coe, Wordsmith

Do you have a garage full of old boating & fishing gear? Why not get a booth and turn it into cash?

The Cities of Pompano Beach and Lighthouse Point

working together.

All types of nautical gear—both new and used! Fishing Tackle � Dock Boxes � Boat Shoes

Nautical Art & Jewelry � Motors � Dinghys � Scuba Gear Antique Goods � Boats On Trailers � Plus Much More!

Join us for a fun weekend in the park and take advantage of the bargains.

For more Info & Vendor Application visit our website:

www.nauticalfleamarket.com

Photo by Debra Todd

NAUTICALF L E A M A R K E T

P o m p a n o B e a c h & L i g h t h o u s e P o i n t

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23rd Annual



L O C A L B U S I N E S S D I R E C T O R Y

Do You Needa Driver?

Or Help Assistance?My Car or Yours • Hourly or Daily

954-294-6972Permit #DP21301

Cell (954)242-5872• I am retired! • I work alone! • I don’t watch the clock!!




Attorney & Counselor

Rosemarie A. GeronazzoReal Estate Closings, Title InsuranceFamily Law, Prenuptial Agreements

• FREE INITIAL CONSULTATION •General Practice Since 1991

(561) 620-3212 [email protected]

Personalized Education ServicesSuperior

Education Alternatives

& Enrichment

L O C A L B U S I N E S S D I R E C T O R Y

Call 954-946-1548 or visit:www.browardtutoring.org

at the Pink Church

2331 NE 26th Avenue, Pompano Beach




Hey Kids! Born in February—Send us your photos before January 6th!Include your name and birthdate and

Email: [email protected] and type “Lighthouse Point Birthday”in the Subject Line, or mail to:

City News Group, LHP Birthday, 3467 17th Terrace, Oakland Park, FL 33309

HAPPY BIRTHDAY TO YOU!HURRY BIRTHDAY KIDS!SHOW YOUR PHOTO ANDRECEIVE YOUR OWN FREE YOGURTAT MENCHIE’S!!!2488 N. Federal Hwy.Lighthouse Point

Wyatt turned 3 on November 17th

Olivia turns 11 on January 7th

Emily turns 13 on January 17th

Cailani Giovanna turned 1 on November 27th

CAROLINE turned 1 on December 23rd

Joey turns 11 on January 6thMackenzy turns 3 on January 12th

FREE YOGURT!

PLEASE SEND LARGE, IN FOCUS PHOTOS ONLY!

WE WILL NOT PUBLISH SMALL PHOTOS



Loving Pet Birthday GallerySponsored by Local Restaurant NAUTI DAWG MARINA CAFESend us your pet photos before January 6th!

Include the pet’s name and age and Email to: [email protected] and Please type “Lighthouse Point Pet Birthday”

in the Subject Line, or mail to: City News Group, LHP Birthday, 3467 17th Terrace, Oakland Park, FL 33309

Murphy Rushturned 4 on

November 13th

Roxieturned 4 on December 3rd Mollie Moonshine

turned 3 on December 21st

Blue Rushturned 8 on November 21st

**71 12/11/12 4:24 PM Page 1


Because of what I do, I suppose, I am asked, “what do youthink Jesus would be like today?” Invariably, I respond, “fromall I’ve read and studied, I think Jesus would be the most tolerantperson we would ever know. Believe me when I tell you that Iget more than a few raised eyebrows. But I believe that, especiallyin a day like this one, when there is so little tolerance. Jesus wasalways associating with the outcast, the marginalized, the lonely,and the destitute. ALWAYS! And apparently, he did so with verylittle or no judgment. The only ones he ever came down on werethe ones who were smug and felt superior, those who “knew”they had it figured out.

See, tolerance is one of the most important spiritual andpsychological disciplines any of us can ever practice. And, Ihasten to add, one of the most healthy. When we practice truetolerance, we are learning to peacefully coexist with others. Yet,its other benefits are personal. Tolerance also quiets the innercritic that chatters away inside us.

I was in my teens when I first realized that I carried with mea voice inside my head. It was offering a running commentaryon everyone within my vision. It was that little voicebroadcasting instantaneous impressions, many of which wereless than kind. I found something wrong with everyone! And Iactually thought for a time, “how wonderful to be the onlyperfect person in the universe.”

Once I realized how ridiculous thatsounded, I started to wonder if myreflections on those people were perhapsnot judgments on myself, as opposed tosome sort of objective reality. Over theyears, I am coming to understand that what I see in the peoplearound me says more about me than it does about them. Too fat,too short, strangely dressed.

Some part of me knows that judging others is a way ofcovering my own feelings of inadequacy and insecurity. And oneof the things I am slowly learning to do is to use the judgment Iam passing as an opportunity, a gift, if you will, to learn moreabout myself.

Making this shift, while a long and slow process, is causingme to judge the world less. When I catch myself at it, I stopfeeling so righteous and I realize I am not automatically superiorto anyone. When I find myself judging another, I am more andmore often asking myself, “what is the feeling underneath thisjudgment that I don’t want to feel?” Discomfort, embarrassment,insecurity, anxiety…and the list goes on and on. When I find outwhat’s really going on, I can then embrace my emotions and myactions, rather than focusing so much on the other person.

The brilliant psychotherapist Carl Jung once said, “everything thatirritates us about others can lead us to understanding ourselves.” �

After looking at a burned out light bulb in our high livingroom ceiling for about six months, I decided it was time to replaceall of the bulbs with LED bulbs. I went online and bought qualitydimmable replacement bulbs. When I ordered the bulbs, I chosethe warm white option over the cool white. I found out later thatthe color was whiter than the original halogen bulbs and madethe room look bland by taking the color out of the furniture, tileand painted walls. Unfortunately, the bulbs that I bought fromthe manufacturer did not show the Kelvin rating.

The new LED bulbs sold in retail stores will use a color-rendering index that measures color accuracy. This colorrendition will affect the color appearance of objects. These newlights also have a color chart that correlates color to temperature.This chart will usually run from 2700 Kelvin to 6500 Kelvin; The lower the number, the warmer the color. A warm light will be in the 2700 - 3000 range and the Daylight will be in the4100- to 6000 range.

Areas that need low light intensity, such as homes, restaurants,office and business reception areas will use a 2700 Kelvin bulb.For office work, classrooms and medical facilities, the 4100K bulbwill work well, and for outside parking lot lighting or the ballparks and stadiums the 5000K and above will work the best.

The wattage on the new bulb will now be measured inLumens. A standard 100 watt bulb will be replaced with a bulbhaving 1600 Lumens and a 60 watt bulb will be replaced with abulb having 800 Lumens.

The energy savings is another important factor. While theselights will cost more upfront, they will pay for themselves overthe life of the bulb. A distinguishing factor that will set LEDSapart are that they are environmentally friendlier and safer to usethan incandescent and fluorescent lamps. They contain nomercury, UV or infrared radiation. They are also safer becausethey do not break easily. For me, the best thing about these LEDbulbs is that they can last up to 25 years and work well in hardto get to areas. �

Al is a State Licensed Electrical Contractor and owner of Al Siefert Electric. The articles he writes are about items ofinterest and questions from his customers. Please call Al if youhave questions concerning electric service, installation and repair.(954) 493-9411

Choosing the Right LightingBy Al Siefert

And What Do You Think?By Reverend Jack Noble

O n R e l i g i o n

A l ’s C o r n e r





bath deep water home with

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4 bedroom, 4 bath h

bath pool home on 75’ o

bath home with 80' o

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Merchant of the Month

Whether you are a homeowner, someoneshopping for a home or a Realtor workingwith buyers and sellers this article is for you.Over 10 years ago, I started my businessintent our company’s motto would be “TheBuck Stops Here!” To me this represents themost comprehensive form of customerservice that can be provided. In today’smarket you need a “do what it takes to get

the job done” work ethic. With the Dodd-Frank, QRM, HARP (I and II)and all the guideline restrictions now imposed it is imperativewhether you are buying a new home or refinancing that you seek thehelp of a true mortgage professional, an expert!

I received a letter today from Jon and Christina Lieberman thatreminded me of how true this is. Jon and Christina’s story beganseveral months ago when they were referred to me to get pre-approved by their Realtor. After a brief conversation and a review oftheir employment record it was determined that they would notqualify for the FHA loan program they sought. Unfortunately, as withmany people, the truth was not the answer they were looking for. Sothey decided to go with their bank who said they were qualified.

To make a long story short almost 90 days later I got a frantic callfrom Jon that he needed my help as the bank was now denying hisloan after requesting two contract extensions. They were nowoutside of their contract date, had agreed to waive the financingcontingency making their deposit of several thousands of dollars atrisk and the bank had no other options for them. In 11 days, werestructured the loan using a Conventional 95% loan product with Nomonthly mortgage insurance. Not only were they approved but thisoption saved several thousand dollars in upfront MI fees and providedthem with a monthly payment that was $300 less. So I asked Jonwhat I could have done differently to have secured their businessfrom the beginning. He simply said “Nothing, they were our bank, wetrusted them”.

This is typical case of where choosing the Mortgage Professionalwould have been the better choice. Why? It is important tounderstand the difference between using a bank, such as BOA and atrue mortgage expert. Retail Banks specialize in banking while

Wholesale Mortgage Professionals specialize in making mortgageloans. Banks have in-house loan programs with stricter guidelineswhile Mortgage Professionals have established relationships withmultiple lenders providing access to thousands of wholesale loanprograms at wholesale rates.

Banks typically just pull your credit issuing “Pre-Approval Letter”that states in fine print that your loan is subject to normalunderwriting guidelines. How do they know you are “Approved” ifthey don’t underwrite your file? A true Mortgage expert will pre-underwrite your file after verifying all of your documentation.Without this, how can your situation be assessed to provide loanoptions that best meet your needs prior to going under contract. This is where the real difference lies. Pre-underwriting your file is timeconsuming and costly for the bank. Going under contract without areal approval can be very costly to you. Think about it, the bankemployee will get a paycheck no matter what happens to your loan.Mortgage Professionals are paid when you close and in most cases are paid in full by the lender not you. Who do you think will workharder for you?

How can you find a knowledgeable, trustworthy mortgageprofessional? Ask your friends and family for a referral of someonethey have used in the past. Realtors are another excellent source, asthey can refer you someone they've worked with in the past. Also, askthem questions. Were your options reviewed and easily understood?Did you get the rate and service promised? Were there any hidden orunexpected fees? Were they responsive and able to deal withproblems quickly? Were you are satisfied with their knowledge,experience, professionalism, integrity, and commitment to service?Did you close on time? Did you trust them?

Go to http://www.namb.org/images/namb/Certification/CERTDIR06262012Final.pdf?SnID=40562837 to see a list of certifiedmortgage professionals in your area.

Julie Wheeler is one of only eight brokers in the State of Florida with the National CRMS Certification. Wheeler Mortgage Corp is locallyowned and located at 665 SE 10th Street Suite 102 Deerfield Beach, FL33441 954-422-9400 ext 1 or [email protected]

How important is it to use a Mortgage Professional?

It could mean the difference between closing and being denied



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