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Claudio FigueroaCreative Director

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National Health Center Week is only one month away!

“When health is absent, wisdom cannot reveal itself, art cannot manifest, strength cannot fight, wealth becomes

useless, and intelligence cannot be applied.”

― Herophilus

It’s a great opportunity to celebrate and recognize the impact your health center makes in the community. Your success in providing access to affordable, high-quality, cost-effective health care is keeping communities healthy and productive.

This year’s theme is “Celebrating America’s Health Centers: Transforming Health Care in Our Local Communities.” This theme showcases the many ways health centers are actively changing, improving and innovating the health of their communities.

WEEK

NATIONALHEALTH

CENTER

During this week, we’ve set aside three days to recognize special populations served by health centers:

Public Housing Health Centers Day Tuesday, Aug. 13

Health Care for the Homeless Day Wednesday, Aug. 14

Farmworker Health Day Thursday, Aug. 15

How will you and your health center be celebrating National Health Center Week this year?

AUGUST 11-17

For more, visit National Health Center Week’s website here.

Become a friend of the networkCLICK HERE

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Para ser descartado de este listado haga click aquí.

Síguenos en:

Con motivo de celebrarse el Día del Periodista, hoy 27 de Junio, reciba de parte de la empresa tecnológica Tripp Lite, un afectuoso saludo y nuestro más sincero reconocimiento en tal especial fecha en la que se agasaja a quienes dedican su vida a una noble profesión de fuerte responsabilidad social, como es el periodismo.

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At Cleveland Clinic Florida, it’s our goal to keep you informed on the latest news in healthcare. Now celebrating our 25th anniversary, Cleveland Clinic Florida has grown to become a fully integrated academic medical center with locations in Weston, West Palm Beach, and coming soon to Palm Beach Gardens and Parkland.

Innovative Care for Colon Cancer Colorectal cancers — tumors of the large intestine or rectum — are the third leading cause of cancer-related deaths in the United States. But improved

New Type of Transplant Stops SuperbugsIts name is Clostridium difficile, and that second part of the name, from the Latin word for “difficult,” is especially apt. Bet-ter known to doctors as C. diff, this superbug often appears in

Treating Movement Disor-ders With a ‘Pacemaker’ for the Brain A pacemaker gets misfir-ing hearts back in rhythm. A newer technology known as deep brain stimulation (DBS)

Restoring Flow: Heart Valve Repair and ReplacementYour heart beats more than 100,000 times each day. That can put a particular strain on the heart valves, which control blood flow through the heart’s

READ MORE

READ MORE

READ MORE

READ MORE

HEALTHY RECIPES

COMMUNITY EVENTS

Asparagus Salad With Shallot- Mustard Vinaigrette

Click here to learn more about Cleveland Clinic Florida community events.

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2007 ARTS WeekEducators Conference

View youngARTS magazine online

youngartsNational Foundation for Advancement in the Arts (NFAA) Dedicated to empowering the arts for America’s future, NFAA’s mission is to identify emerging artists and assist them at critical junctures in their educational and professional development, and to raise the appreciation for, and support of, the arts in American society. NFAA is a publicly supported nonprofit, non-governmental 501(c)(3) organization with headquarters in Miami, Florida founded in 1981. All awards are funded through philanthropy.

dance + film & video + visual arts + music + photography + theater +writing +voice + dance + film & video + visual arts + music

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Students Alumni Educators

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Our Mission

The mission of the National Foundation for

Advancement in the Arts is to identify emerging

artists and assist them at critical junctures in their

educational and professional development; and to

raise the appreciation for, and support of, arts in

American society. emerging artists and assist them at

critical junctures in their educational and professional

development; and to raise the appreciation for, and

support of, arts in American society.

Home About Us Programs Winners Contribute news GO

youngartsNFaa

2007 ARTS WeekEducators Conference

“Uptat essim incil ulputat ullaore riliscilit iure minim deliqui smolor si. or sed dignism odignim nisit at loborer sit incin utat accum

View youngARTS magazine online

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BLUE: C=100 M=100 Y=0 K=0

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OUT

MORE

PATIeNT-CeNTeRed MedICAl HoMe

What Is PCMH?Patient-CenteredMedicalHome(PCMH)putspatientsatthe

centerofthehealthcaresystemandprovidesprimarycarethat

is“accessible,continuous,comprehensive,whole-person,family-

centered,coordinated,compassionateandculturallysensitive”

acrossthepractice(AmericanAcademyofFamilyPhysicians).

SOUTH FLORIDAREGIONAL EXTENSION CENTER®

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OUT

MORE

W

e’ve helped our members qualify for as much as $63,750

each from the Medicare and Medicaid Electronic Health

Records (EHR) Incentive Programs.

Join the 3,000+ providers who are members of the South Florida

Regional Extension Center (SFREC). As your trusted partner, we’ll

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Register today for your authentic HIPAA security risk analysis

with the South Florida Regional Extension Center (SFREC).

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Health Choice Network of FloridaCOMMUNITIES THAT CARE

HIPAA Security Violation Penalties

Penalty Amount $100 to $50,000 or more per violation

Calendar Year Cap $1,500,000Source: http://healthitsecurity.com/2013/01/09/hipaa-non-compliance-enforcement-penalties/

HIPAA compliance audits conducted by the OCR have begun.

How would you fare in an OCR audit?

According to recent OCR findings, most organizations investigated after

an inadvertent data breach had not conducted a security risk analysis as

required by the HIPAA Security Rule.

The financial costs of not conducting a formal risk analysis and taking steps

to mitigate identified risks can be considerable:

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We recognize that a happy employee is a productive employee. We appreciate the need to balancepriorities in both our professional and personal lives.

We respect the need for WORK-LIFE BALANCE

We value that every action is shaped by a relentless commitment to meeting and exceeding customerexpectations regarding service quality. We strive to provide customer satisfaction and service excellence.We advocate for our customers and work to earn their loyalty. We each lead through our competence,creativity and teamwork.

We are CUSTOMER-FOCUSED

We act with INTEGRITY in all we do We are personally accountable for the highest standards of behavior, including honesty and fairness in all aspects of our work. We vow to fulfill our commitments as responsible citizens and employees. We will consistently treat customers and company resources with the respect they deserve.

Our Commitment

Our continued success requires us to provide the opportunity for education and development needed to help our employees grow. We will take advantage of those opportunities and keep learning to improve ourskills and produce high-quality work.

We facilitate CAREER GROWTH for our employees

Service

People

Quality

Growth

Finance We value our ability to meet organizational goals and customer expectations. We apply technical knowledge, analyze problems and calculate risks to make decisions that produce high-quality outcomes. Our members, employees and suppliers deserve results that are achieved through fair and equitable treatment, clear agreements and honest feedback on performance.

We are RESULTS-DRIVEN

Delivering the best service to customers and member centers

Recruiting and retaining the most skilled workforce

Offering the best quality to our member centers

Supporting future growth in emerging markets

Committed to a strong financial infrastructure for sustainability

OUR JOURNEY TO EXCELLENCE

HEALTH CHOICE NETWORK

The Health Choice Network and Prestige Health Choice Family are guided by these values. We want our decisions and actions to demonstrate these values. We believe that putting our values into practice creates long-term benefits for members, customers, employees, suppliers, partners and the communities we serve.

OUR VALUES

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Look what’s new on www.HumanaActiveOutlook.comHealthy Resolutions Challenge UpdatesExercise Boosts Blood Flow to Brain for Older AdultsDo Blood Pressure Surges Impair Your Thinking Ability?Know Your Nutritional FactsMore on Complementary and Alternative MedicinesSudoku and Puzzles to Boost Brain FitnessHealthy, Easy-to-prepare Recipes… and lots more!

Health and Wellness Information from Humana Active Outlook® September ‘09

HEALTHY RECIPES INSIDE4

Making WavesBobbi takes to the water to ease her pain

Getting Pain Under ControlNew Ways to Seek Relief

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3/81/16

1/4

outside

We're activeTalk to us

Our members… your consumers

We're shoppingTalk to us

in loveWe're Talk to us

Don’t miss this extraordinary opportunity to talk to this powerful

market. Call us today.

1-800-440-0232

M0006_GH24013 0707

3/81/16

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inside

We're stillI'mmovingWe’re active, laughing, moving, buying, traveling, dancing, reading, golfing, and loving life.

Reach active seniors with HAO Magazine and the Humana Active Outlook Program.

Talk to us.

Talk to me

I'm dreaming

Talk to me

We’re some of the 45 million Americans age 65 or older.We’re active. We’re health-conscious. We’re engaged, outspoken, highly social… and increasingly, our numbers include the Baby Boomers, the most affluent consumer group the nation has ever known.*

Open a dialogue with more than 4.5 million influential seniors in a fully integrated suite of life-enriching content: HAO Magazine and the Humana Active Outlook Program.

*Source: Focalyst, powered by AARP services, December 2005 Insight Report

Don’t miss this extraordinary

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Call us today.

Reach more than 4.5 million members in a fully integrated suite of

life-enriching content.

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Reach more than 4.5 million members in a

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HAO Magazine


Newsletters


Website

Humana Active OutlookSM

IntegratedMarketing Platform

CollaTeral design


www.HumanaActiveOutlook.com 25

Humana Active Outlook®

Member Cookbook

Healthy Recipes from Our Members

compassion compassioncompassion

supportsupport

support

care

resources

resources

resourcesresources

guidance hopehope

community

guidance

Magna feugait, velenibh e Magna feugait, velencip enis

a facip enavae aeaev aes niscili quisis 1-800-345-6666

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Ex eril elit in henibh ex euis at. Adit velessequi blaor iril do eugait niamcon henibh

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exerci et nosto conullandre dolore etueraestin ullute vel er alit lor augait, velit, sit

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community


You know us as Florida’s Most Convenient

Bank; we also want to be a source of

information on personal fi nances, the

economy and planning for your future.

We’re committed to providing you with the

tools you need to spend wisely, save more

and plan for the future. Simply put, we

approach banking differently.

As the South Florida economy slowly

but inevitably improves, there will

undoubtedly be more opportunities

to save more and grow your personal

fi nances. You can count on us to be there

with you every step of the way! It’s what

we’ve been doing in South Florida for over

half a century.

Welcome!

Soaring oil prices are on everyone’s

mind these days. Here’s a look at

what’s behind the rise in prices

and how they impact the economy.

Q: Why have oil prices risen so sharply?

A: It’s easy to point to geopolitical

events, but the general perception is that

global demand is outstripping supply.

Emerging economies like China and India

are demanding more oil to fuel their

growth – at a time when the world’s oil-

producing regions are producing less oil.

According to 2011 IRS fi ling statistics, the average tax refund this year will be about $3,000

– enough to make some positive changes in your fi nances if you choose!

PAY DOWN DEBT. The lower your debt payments, the better your cash fl ow and the more

you’ll have to build for the future. If you’re paying 18 percent interest on a debt, paying it off

with your tax refund would be like earning the 18 percent, tax-free and risk-free!

BUILD AN EMERGENCY FUND. If you don’t already have one, use your refund to start an

emergency fund. This fund should cover three to six months of expenses. Without a rainy

day fund, you may fi nd yourself constantly dipping into your long-term savings to cover

unexpected expenses.

GENERATE A TAX CREDIT. If you’ve absolutely got to spend your refund, at least buy

something with a payback. An energy-effi cient air conditioner or appliance might set you

back initially, but it will save you on your electric bill every month for years to come. If you

invest in things like a solar water heater or geothermal heat pump, you could qualify for a

tax credit of 30 percent of the cost (with $4,000 spent on a solar water heater, next year’s

tax bill will be $1,200 lower!). To learn more, visit www.energystar.gov.

FUND YOUR IRA. By putting your refund into an IRA now and giving it years of growth

potential, you could end up with a sizable amount at retirement. You can contribute up to

$5,000 to your IRA for the 2011 tax year. And if you’re 50 or older, you can contribute up

to $6,000.

JUMP-START YOUR

FINANCIAL GOALS. Use

your tax refund to get your

big objectives started. Put

the money in a CD or money

market account and start

building up a down payment

for a house, or a new car.

PUT IT IN YOUR HOME.

If you’re like a lot of

TAX SMARTS:PUT YOUR REFUND TO WORK FOR YOU!

Q&A:

Financial liquidity refers to how easily assets can be accessed and turned into cash ... money that can be used easily and quickly. Obviously, money in a checking or savings account is much more liquid than money tied up in real estate or the stock market.

Why Liquidity Matters

Liquidity in your personal fi nances is important. Financial experts recommend that you have enough liquid assets to cover three to six months of expenses.

Some consumers mistakenly consider credit cards and home equity lines of credit to be their emergency fund. If tough times hit, they’ll just “put it on the card.” Unfortunately, credit cards and home equity lines of credit can be impacted if you lose your job or have an accident.

A better idea is to keep funds in truly liquid accounts such as these:

• Savings and checking accounts • Money market accounts• Certifi cates of deposit (short-term)

Plain and simple, liquidity gives you fl exibility. That means you have options!

Does a Roth IRA Make Sense for You?

Dashboard Indicators: Are Your Finances Sputtering or Speeding?

Q&A: The Price of Gas and the Economy

22

4

PAG

E

PAG

E

PAG

E

MONEY 101:LIQUIDITY

Li•quid•i•ty [li-kwid-i-tee] – noun – It’s a fancy term for a simple (but critical) concept.

4

THE PRICE OF GAS AND THE ECONOMY

Q: Can’t we get oil-rich nations to

produce more oil?

A: Not necessarily. Most of the world’s

oil producers are already working at full

capacity. Only one country, Saudi Arabia,

has excess production capacity (although

we don’t know exactly how much).

Q: How high can oil prices get?

A: In a market economy, there is

technically no limit. But even if at some

point oil prices climb to $120 or even

$150 per barrel, the law of supply and

demand will eventually kick in and

prices will fall as consumers begin

to cut back on oil consumption.

Q: Will higher oil prices put the economy

back into recession?

A: Every dollar spent on petroleum

leaves less to be spent on products and

services that create jobs. Still, most

economists point to the shift in the U.S.

economy away from energy-intensive

manufacturing to our current service

economy, which requires less energy (as

a percentage of gross domestic product).

Q: What about the South Florida economy?

A: Since Florida is heavily dependent

on tourism, rising oil prices are not

good news for our state. Still, a rising

tide lifts all boats, and if the recovery

of the U.S. economy accelerates

as expected, the economy of South

Florida should recover as well.

continued on page 3

Keep up With Financial and Lifestyle Trends

CHOMPING AT THE BIT FOR YOUR REFUND? You can check on your refund at the “Where’s My Refund” page of the IRS website or by calling the IRS Refund Hotline at 800-829-1954.

>

May 2011

This BankAtlantic newsletter has been prepared for informational purposes only and is not intended to be used as a substitute for obtaining accounting, tax, or fi nancial advice from a professional accountant or tax advisor. BankAtlantic is not providing fi nancial advice and you should consult a qualifi ed fi nancial advisor before making any important fi nancial decisions. This newsletter may contain material contributed from non- affi liated third parties and links to other web sites operated by non-affi liated third parties. Any linked sites are not under the control of BankAtlantic or its affi liates or subsidiaries and BankAtlantic is not responsible for their content. Such links, as well as the presentation of non-affi liated third party material, does not imply BankAtlantic’s endorsement or guarantee of the products, information, or recommendations provided. A third party web site may have a privacy policy different from that of BankAtlantic and may provide less security than the BankAtlantic web site. BankAtlantic disclaims all liability with regard to your access to and use of such linked web sites.

After coming to the United States, Chavez

went on to study at California’s Fashion

Institute of Design & Merchandising, where

she enjoyed her first taste of designing for the

stars after winning the Nolan Miller/”Dynasty”

Contest and creating an outfit worn by Linda

Evans on the blockbuster TV series.

She then began Lourdes Chavez Couture

with no more than a computer, a sewing

machine and an ironing board. Chavez made

her own patterns, cutting garments on the floor

of a cramped 500-square-foot studio. Relying

on part-time help, including a niece who came

in after high school had finished for the day, she

created her first collection.

Fast-forward a few years later. Chavez now

has 24 full-time employees and creates her

stunning designs in a 9,000-square-foot facility

financed by City National Bank. “As my small

business grew, I needed financing and City

National saw my potential,” she says.

City National Tailors Service to Designer’s Needs

FinancialI n s I g h t

Continued on page 2

As a young girl growing up in Mexico, Lourdes Chavez loved nothing morethan to design clothes for her friends. Little did she know then that those hourslovingly spent at her grandmother’s old sewing machine would lead to a successful career designing elegant and sophisticated women’s wear.

3 4The Smarter Choice in Commercial Loans

The Roth IRA Just Got Better

Summer 2010 / Issue 1

broCHure design


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Claudio Figueroa | Creative director | ClaudioFigueroa.comTYpograpHY

disclaimer: ownership and copyright of some of the projects illustrated here belong to the

companies that produced them.

Claudio Figueroa Creative Director

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