Environs – Accessorizing Your Home

Cheryl Perotti

Cheryl Perotti

Accessorizing Your Home is Like Icing the Cake!

The pleasure of a cake is usually a three-fold sensory extravaganza, orchestrating the fresh baked aroma of sweetness, the sheer spectacle created by mounds, waves, and swirls of luscious icing and confections with the palatal play of the flavors as you consume it. No matter how fresh the cake or how perfectly blended and baked it may be, we really can’t experience it in all its glory without the topping

So it is with cakes, so it goes with your home! My sagiest (my new word for wisest) advice to anyone desiring to create a dynamic environment is to allow room in your budget for the finishing touches. The really good thing about the personal touches is that they can be achieved without a big investment.

Always go to your closets and cabinets first- they are usually hiding something unusual, memorable and, best of all, free since you already own it! And while you’re digging for treasures don’t forget to check with Aunt Matilda- she may have just the quirky item or retro piece to add to your arsenal. When purchasing art and artifact for your home, bear in mind the reality of your budget, both current and future. Since these purchases are strictly for show, the punch power is far more important than the quality. Unless you are, or intend to become, a collector of fine art, there generally is little need for spending big unless you just can’t achieve the same look without it.

Accessorizing seems to be the area that intimidates most homeowners but there are some guidelines that can be oh so helpful! Some of these points I have mentioned in the past but they definitely bear repeating and further explanation. Filling those bare walls is always the biggest challenge. Because mistakes tend to leave holes in your walls, you feel the pressure to get it right the first time…and that is so hard! The question of mixing art styles, frames and media is confusing enough and then you have to get the spacing just right. No wonder most of us retreat from the task. I always employ a level, a tape measure, a pencil, a tap on the wall to find the stud, and a trained eye but there are new toys out there that employ laser beams for the perfect measure and stud finders to ensure you are in the right spot. It often helps to layout an arrangement on the floor to plan you spacing. The basic rules are simple, mix anything that seems pleasing to your eye, keep the larger pieces lower, hang most art at SEATED eye level or, if doing a grouping, start low enough to connect the art to the furniture below it. Too much space leaves a negative void. Distribute your accent colors, various textures and finishes throughout the space to create cohesion and interest and don’t be afraid to do the unexpected. A low hung picture, a picture over a mirrored wall, a shelf over a doorway- these are all engaging when done correctly.

Tabletop landscaping should be beautiful AND functional. Place remotes, eye glasses, pens etc. in attractive boxes, reading material should be nicely displayed or stacked in baskets, lamps in proportion to the table and suitable to the task of lighting, and select accessories that contribute to the ambiance of the room but leave space for a cup of coffee or a drink on your tables.

Collectibles are most interesting when presented in a grouping, odd numbers of items create more excitement to the eye, and the pyramid shape is an alternative to simple symmetry when deciding placement. The world is in to ebooks (okay not me, I am still comforted by old school) but your home can be warmed by the presence of books worked in to shelves and tablescapes. China cabinets are usually begging for warmth and can be graced with accessories, so consider storing some of those place settings behind closed doors.

Another good principle to remember is that filling empty corners can actually better define your space, so employ pedestals, art easels, silk or live trees and plants, along with sculpture and accent lighting to enhance and engage that area. Lighting should always be provided on all levels, ceiling, mid, and floor level to create drama as well as functional illumination. And cozy up your upholstery with pillows and throws that say “come snuggle up here” while they add a splash of color at the same time.

So there you have it, some of the major ingredients of accessorizing and just enough knowledge to make you scary with power- that is just enough to ice your own cake!

Hello Dali – Presenting Tampa’s Rising Fashion Star, Dali Hernandez

Dali Hernandez

Dali Hernandez

Dali Hernandez has only been designing professionally for about three years, but she’s fast becoming one of Tampa Bay’s golden girls of fashion. She’s not only making headlines for her chic creations, the 34-year-old designer is even starting to reap rewards for her undeniable talent for making good-looking garments.

“I have been very blessed and have an amazing God-given talent,” recognizes Hernandez, who was recently named as one of Creative Loafing’s 2011 Best of the Bay runners-up in the Best Local Fashion Designer category. “This year, doing what I have been called to do has been the greatest reward.”

There’s no denying Hernandez was born to concoct and create attractive attire. And, it didn’t take the Puerto Rico-born designer long to recognize her life’s mission.

“I loved fashion as a child; I was very eccentric,” recalls Hernandez, who grew up in New York City and Massachusetts. “I used to get made fun of at school because I just came up with my own style. I never followed the trends; I really just did my own thing. And, I didn’t really care what people thought. I just kind of wanted to make a statement.”

Dali Hernandez - Designs

Photo: Dan Austin Photography

So how did Hernandez develop such a fierce fascination for fashion in the first place? She apparently inherited it from the talented, stylish and inspirational women in her life. Dali’s mother, who learned how to sew at an early age and would make her daughter’s clothes; and her abuelita in Puerto Rico, who had an incredible fashion sense.

“I would sit at my grandmother’s vanity and play with her vintage jewelry, clutches and her gowns,” remembers Hernandez vividly of spending her summers on The Island of Enchantment. “She would buy and rework the gowns to her liking.”

Despite her passion for fashion, Hernandez didn’t pursue her design dreams right away. Instead she moved to the Bay Area to study business at the University of Tampa and later the International Academy of Design & Technology. She would go on to spend 10 years working as a financial broker until the nation’s economic downturn in 2007 forced her to reevaluate her life.

Dali Hernandez - Cover

Photo: Dan Austin Photography

“I went to California and came back very inspired,” states Hernandez, who also experienced a few personal problems during that time that would help forever alter the course of her life. “After a major surgery and some life issues, I decided to focus on my mind, body and soul. And, I decided to do what I was born to do… design.”

Since then, Hernandez has quickly become a highly sought-after designer who’s sexy, edgy and sophisticated creations have been featured in numerous local newspapers, magazines and television programs. She even showed a collection for the first time ever at this year’s Tampa Bay Fashion Week runway show.

Dali Hernandez - Design

Photo: Dan Austin Photography

“It’s been a truly amazing year,” pronounces the self-proclaimed New York City designer with a penchant for leather, faux fur and heavy fabrics. “I’m most proud of how I’ve remained focused on my work. In life there will always be distractions, you’ve just got to keep pressing forward.”

It’s that affirmative attitude, combined with an uncanny knack for crafting chic clothing that compliments even the curviest of women, that will undoubtedly take Hernandez from Tampa Bay’s golden girl to international design star.

Dali’s Spring/Summer
2012 Collection

Hernandez’s latest collection, first showcased at Tampa Bay Fashion Week, was created with the “golden girl” in mind. A departure from her edgier fall collection, this season’s pieces are softer and more romantic, and they feature lace, ruffles, sheer fabrics, organza and sequins. For Dali, it represents “going through the fire…and coming out golden.”

For more on
Hernandez and her
latest collection, visit
www.HouseofDali.com

Photography: Dan Austin Photography • Models: Angee Killian Huntley & Jennifer Smurr • Fashions: Dali Hernandez • Hair & Makeup: Yara, El Shaddai Makeup & Hair Designs • Location: Sunken Gardens, 1825 4th St. N, St. Petersburg, FL 33704


Tom Castañeda

Tom Castañeda

Tom Castañeda is a creative writer, blogger, and award-winning broadcast journalist who has worked at Architectural Digest, In Touch Weekly, and Latina – a fashion, beauty, and lifestyle magazine for today’s bi-cultural Latina woman. Throughout his career in publishing, Tom has planned and executed numerous celebrity, fashion, and beauty programs throughout the country, including fashion shows, and shopping events for brands like Bloomingdale’s, Chanel, Mikimoto, David Yurman, Givenchy, Armani Fragrances, Macy’s, Southpole Collection, and more. Additionally, Tom has drawn on his strong journalism background to create various print, online, and video reports on various subjects, including fashion and beauty.

Buzz Stop – In and Around Tampa Bay

13 Ugly Men's 16th Annual Get Roasted - Thanksgiving Eve

Photos: Michael Blitch

13 Ugly Men’s 16th Annual
Get Roasted Thanksgiving Eve

The 13th Ugly Men are known for their parties in support of charity and this was no exception. Tampa Bay residents were out enjoying this Even of Thanksgiving in full force.


Buzz Stop - 2012-01-ST - Morsani College of Medicine - USF

Photos: Michael Blitch

Morsani College of Medicine - USF

Photos: Michael Blitch

A New Era in Healthcare,
The Morsani College of Medicine at USF

The USF Health Morsani College of Medicine was named in recognition of a contribution by Frank and Carol Morsani of $37 million to USF Health of the total $43 million they have given to the university.


Upcoming Events to Consider

The Tampa Museum of Art presents Worlds Apart: Myth & History, Gods & Mortals, Heroes & Hybrids form February 12th to the 15th.

The Florida Orchestra and The Studio@620 present the third season of “An Intimate Collaboration” on February 15th, March 14th and May 9th.

3rd Annual India International Film Festival of Tampa Bay will be held from February 17th to the 19th at Channelside Cinemas.

Don’t miss your chance to mingle with local and national celebrities at the 30th Annual Celebrity Golf Classic, Stars and Pars Gala and Auction on February 25th. Funds will benefit The Children’s Home, Inc.


Karyn Anjali

Karyn Anjali

Karyn Anjali is a published author and Tampa Bay’s resident socialite spends time out and about attending events and supporting charities. A successful business owner of a custom jewelry line, Karysma, and a Real Estate Broker, writing remains a preferred hobby.

Born in Trinidad, and having lived in Toronto, London, Miami and Vancouver prior to moving here 9 years ago, she enjoys the small town feel within a large city with daily dynamic things happening. She has an MBA and a BA in Communication Arts.

Your Money & Your Life

Dr. James R. Pitts

Dr. James R. Pitts

At the beginning of a new year, people tend to reflect on the past year and plan some for the future. New Year’s resolutions are broken by February. However, well thought out goals and plans can succeed.

Abraham Lincoln said, “If I had two hours to chop down a tree, I’d spend the first hour sharpening the axe.”

Any good financial plan starts with organization. Most of us have our financial documents and accounts spread all over the place; a few different mutual funds here, an old retirement plan with a former employer there, an IRA somewhere, our wills or life insurance policies lost in a file cabinet.

If something ever happened to us, heaven help the person who has to figure it all out! There is a better way to organize your financial life. It is a tool called a Record Locator. This 2 page document lists all your pertinent financial accounts, documents and policies. It contains not only the account numbers but where the documents are kept and the important contact information. A copy of the Record Locator should always be kept in your safe deposit box at the bank. You may also wish to keep another copy at a secure location either at home or work.

Not only will you now be organized, but you can better understand exactly what you have. Financial planning begins with assessing your current situation. Where are you now financially? During this discovery process, whether you do it by yourself or with a professional, you may find many interesting things. How much do you have saved for retirement and where and how are the assets invested? What is the current asset allocation model? If you have children, what is the plan for funding their education? Do you have a current will or trust and have you thought about estate planning? Do you have protection for your family and assets in case of a disaster or death? If you own a business, what is the plan for transition or sale of the business? All of these questions can be daunting and difficult. But they are extremely important and necessary for proper financial planning.

Now that you are organized and know where you stand financially, you can then begin to make a plan for retirement. Most people if asked how much they’ll need at retirement don’t have a clue. It is tough to know how much is enough. In order to answer this most complicated question, you have to consider several other issues. First, what age do you want to retire? Next, what type of lifestyle do you lead now and will this change at retirement? Third, will you still have any debt when you retire? Fourth, do you have a plan for health care insurance, long term care, or how will Medicare and supplements fit into your budget? Next, have you factored into your nest egg number the effect of inflation? Last and maybe the most important, have you thought about how you will turn the big pile of money that you have accumulated into a lifetime stream of income once you don’t receive a paycheck?

Let’s look at a couple of examples. In the 1st example, you are a 65 year old person who is retiring debt free and lives a modest lifestyle. You currently are eligible for Medicare and have a Medigap policy to help cover other expenses. You were a planner and saver, so you have investments in place that pay a steady lifetime stream of income which covers most of your bills. In this case, you don’t require a huge nest egg and can be comfortable with a modest sum.

The other example is a person who retires early at 55. They live a bigger lifestyle and spend cash like sailors on a weekend pass. They have not paid off all their debt yet due to early retirement. Unfortunately they aren’t eligible for Medicare yet so they have an expensive health insurance policy. Although they make a good salary there has not been much saved. Planning always seemed like something to do tomorrow so there are not many things in place to produce income. This person requires a huge nest egg just to keep up there lifestyle.

Where do you want to be? Once we know what your number is, then we can work backward to figure how to get there. As the old saying goes, most people don’t plan to fail-they just fail to plan. In the next issue we will discuss strategies to help you reach “your number”. Happy New Year and Happy Investing!

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”
Ayn Rand

To receive a free copy of a record locator document, please use the contact information listed below.

Dr. James R. Pitts
727-686-4068
james.pitts@jwcemail.com

The examples that are provided are for illustrative purposes and are not actually representative of investment results. Investing involves risk of loss of principal; therefore it is important to consider your own individual risk tolerance prior to investing.


Dr. James Pitts is a Registered Investment Advisor Representative and Financial Planner. He ran a successful dental practice for 25 years and by using financial planning techniques and investing wisely, he was able to retire at 51 financially independent and debt free. His passion is to help other people reach their financial goals and live the best life.

Call to schedule a free, no obligation consult or 2nd opinion.
Dr. James R. Pitts
727-686-4068
james.pitts@jwcemail.com

Your New Year’s Resolution

Made to Order

Whether you’re among the ladies-who-lunch crowd or just don’t want to blow your diet while enjoying a romantic dinner out, here are some tips – not on what to order – but how to order to keep your resolution to be fit and healthy.

“But I’d like the pie heated and I don’t want the ice cream on top I want it on the side and I’d like strawberry instead of vanilla if you have it, if not then no ice cream just whipped cream but only if it’s real, if it’s out of a can then nothing.” – When Harry Met Sally

Your New Year's Resolution

Before you adopt Meg Ryan’s ordering style from When Harry Met Sally, keep in mind that you should always be as polite as possible. You’ll be asking servers and chefs to go out of their way for you, and while you might think that it’s their job to serve you, they don’t get paid enough to put up with irritating customers. With that caveat in place, it’s time to get picky.

The easiest calorie saver at breakfast, lunch, and dinner is to either drink your coffee black, or request milk instead of cream to be served alongside it. You might not be able to order 1% or non-fat, since some restaurants don’t carry them, but you can request the lowest-fat milk they have.

At lunch and dinner, look for steamed vegetables and grilled meats first and stay away from the carbs. That includes the bread basket, which few of us can resist once it’s on the table. These days, some servers will ask if you want the bread basket, but if not, it’s an easy request to have them leave it off the table. Now, you might think that ordering grilled meat and vegetables is safe, but many restaurants drench everything in a layer of butter.

Don’t be afraid to ask how your food is prepared, and if they use butter, request that they leave it off. Speaking of leaving things off, ask for salad dressing and sauces on the side. This way you can still have the flavor of Hollandaise on your asparagus, but in a more manageable quantity.

You won’t always want to play it safe by ordering steamed, broiled, baked, grilled, poached and roasted foods, so if you must have the fettuccine Alfredo and veal Parmigiana, ask if you can have a smaller portion. If reduced portions aren’t available, ask for a to-go box to be brought out with your food so you can immediately put half of the plate out of sight, out of mind, and off your thighs.

When the dessert course comes around, look for fruit-based desserts that don’t involve cream. Sharing is caring, and it’s a great way to cut calories on the most sinful sweets, but if no one else wants the lemon meringue pie, leave the crust on the plate and you’ll do fine.

Life’s too short not to eat the food you love with the people you love – just hold the butter.


Linda Baldwin

Linda Baldwin

Linda Baldwin, is a Credentialed Diet & Nutrition Expert and a Professional Catering Executive (CPCE) whose skills have been honed by 25 years in the catering, restaurant, and event production industry. She is know as local foodie, ultra healthy prepared foods specialist, educator – columnist and creator of Amore and Amore To-Go a lifestyle company, based in South Tampa since 2006. She leads a team of professionals that include chefs, and educators in the field of health and wellness.

There’s Only One Tammy Levent…!

Tammy Levent

Tammy Levent

PV: Why did you choose this business or line of work?
Tammy:Because of a series of personal tragedies I experienced in 1995, details in my bio.

PV: What is your primary role or duty in your company?
Tammy: Everything, from marketing, to selling, growing the company and keeping peace at the office and at home at the same time.

PV: What sets you apart from your competition?
Tammy: What Competition?

PV: What would you be doing now if it weren’t for your business, taking money out of the equation?
Tammy: I would travel the world!

PV: What do you do for fun?
Tammy: Travel… lol. And spend time with my family!

PV: Who or what is most important to you, personally or professionally?
Tammy: Personally my partner and best friend Rob, my children and parents, professionally – my customers and strategic partners like you!

PV: A little secret about you that would shock those who don’t know you!
Tammy: Okay Nina tons of secrets!! I never went to college, I graduated high school at 16, and I was the first born here in the USA, with immigrant family from Greece!

PV: What are your personal and professional mottos?
Tammy: Integrity with both!

PV: When you were five, what was your dream to be when you grew up?
Tammy: When I was five I was in kindergarten and telling my mom I wanted to get skipped to first grade and was. I wasn’t thinking that way ahead! Okay, maybe a princess! Now I’m a princess with WHIPS!

PV: Have you achieved all or most of your dreams thus far?
Tammy: Every time I think I do I keep having more freakin dreams!! Thank God they are not nightmares!

Tammy Levent - Panache People To Know

Photo: Joel Cocker (left) | Photo: Mark Wemple (right)

Tammy Levent

Entrepreneur, Travel Expert, Author and Renowned Speaker

Imagine that within six months you lost your business and your savings to a violent robbery, then lost your grandmother in a fatal car accident that left your two children, ages nine and two, in the hospital’s intensive care unit. Picture quitting the telemarketing job you took to keep your home so you could sit by your children’s bedsides and wonder if your daughter would ever be able to speak again and if your son would lose his sight. What you would say if a nurse came up to you in the ICU and asked “If it had nothing to do with money, what would you do?”

Tammy Levent didn’t have the energy to think of an intricate answer, so she said the first thing that came to her mind: “I would travel the world.” From that moment, she realized that was her passion and her goal. In 1995, with no assets, she leveraged strategic partnerships to build Elite Travel, which has since skyrocketed into one of the fastest growing, most trusted travel groups in the nation for corporate incentive, leisure, destination wedding and honeymoon travel. Elite Travel has the distinction of being named an American Express agency.

I WHIP IT with Tammy Levent
Levent devotes herself to helping other women discover the power they have to change their lives, no matter what their circumstances. She sums up her mantra of success in the acronym “I WHIP IT” – meaning Incredible Women Have Infinite Power In Themselves. I WHIP IT was born when Tammy held her first whip while sitting at her desk training employees in sales at her telemarketing job. For the first time in years, she felt like she had control. She took that feeling and ran with it.

With her new web show I WHIP IT Out at whipitoutshow.com and her day-long WHIPshops™ that “take the work out of it,” Tammy guides other women – whip in hand – to find their courage, declare their goals, and use strategic partnerships to make those goals happen. Unlike many speakers, Tammy doesn’t stop at motivation; she gives immediately usable step-by-step instruction on how to create a business and lifestyle around your passion. And, with Levent’s travel expertise, you won’t find yourself in a stuffy conference room at one of her retreats unless you get lost on the way to the resort penthouse.

Tammy Levent is the CEO of Elite Travel and single mother of Katie, 25 and Jordan, 20. She is the author of the bestselling book Women Who Mean Business, and lives in Tampa, Florida with her better half, Rob. She owns an impressive collection of whips. For more information on the I Whip it out show and WHIPshops visit
www.whipitoutshow.com and www.TammyLevent.com

Tammy Levent
Tammy@EliteTravelGroup.net
www.EliteTravelGroup.net
www.TammyLevent.com
1-866-726-9090

Things I Learned in 2011

JoAnn Rooney

JoAnn Rooney

Buying or refinancing a home was not easy. Short sales and foreclosures had title issues, leaky roofs and black pools. Appraisals came in short and sellers took it out on buyers and buyers blamed realtors. Contract dates meant nothing to lenders as rate locks expired and underwriters asked for more and more paperwork. I have worked for fifteen years in this industry and this year was the most challenging by far.

Buying a home in 2011 was like going to Bush Gardens and riding a roller coaster. Finding your dream home is the first part of the ride and after that comes the ups and downs. If all parties involved in your real estate sale transaction (buyer, seller, Title Company, realtors, mortgage broker, lender) keep their heads and work well together, your roller coaster ride will have a happy ending.

There are still incredible buys available on homes in the Tampa Bay area. In 2011 we saw rates at their lowest levels in 40 years and the Federal Reserve Bank announced in August that it plans to keep rates down. If you are in a position to buy a home to own, a second home or an investment property, 2012 may be your year.

If you read the headlines in the paper or listen to the news you will hear that you need a 20% down payment to purchase a home, but if you look beyond the headlines you will find that very few lenders are requiring a 20% down payment. The majority of first-time home buyers used a loan from the Federal Housing Administration (FHA) which allows a 3.5% down payment and is NOT just for first time homebuyers. There are plenty of lenders offering 95% financing and the Veterans Administration offers 100% financing for Veterans.

Even in a tough economy, people continue to graduate from college, marry, have babies, and buy homes. While potential homebuyers remain cautious, the abundance of affordable housing combined with historical low rates will draw more buyers to the closing table in 2012.
Remember that in the midst of turmoil, uncertainty and change….lies opportunity…

Here’s to a great 2012!

Call JoAnn Rooney today 727-787-2299 X 1
www.facebook.com/FLMortgageLady
www.twitter.com/FLMortgageLady

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