Styling Bath on a budget

Before we design your bath on a budget we need to consider some words that may help trigger our inner designer.

1) Style: You want to feel happy, awake, and refreshed in the morning as you get ready to attack the day, and when you return from your busy day you want a quiet relaxing evening in the tub.

2) Functionality: Do you find yourself griping when getting ready in your bath looking for the hairdryer, make up items and perhaps a place to set down your coffee?

3) Size: How big do you want to go? Is it just the vanity that is bothering you? Is it the grout in the tile of your shower? Is your tub area just making you yawn with boredom?

If you write these down, you will begin to see the design actually take place in your brain, while it’s fresh in your mind, just start sketching and jotting down those ideas.

I suggest you start in the vanity area. First inspect you cabinet bottom under the plumbing. Is it durable or can your finger poke thru it? If so you can tear out that bottom, rebuild it or you may have to buy new cabinets.

When searching for countertop remnants for a long vanity, It might be difficult to find a granite remnant that long. If you decide on a Seamless Surface or Formica material, you might need to buy a whole sheet. One tip is to either make one cabinet higher or lower rather than one level. Its looks stylish, but more importantly it’s so easy to find smaller remnants.

Even if you buy just two cabinets space them apart, and build a lower countertop bridge of another color which can be used as a make-up desk as well. If you do not like the uneven cabinet height design, then buy a couple of small granite sections in a lighter color, and two strips of darker color, and have them seamed up to meet your measurements. This way we celebrate the seam and it will look more like a design than a remnant top.

Its easier to find three small scraps than one long slab, Panache Vue is always here to help.

Gene McDonald, aka “The Counter Top Rock Star” is the President of Refresh Interiors Design.com. To schedule an appointment or Visit his showroom, visit www.ReFreshInteriorsDesign.com or Call 727.527.0206.


Pilates for Every Mother

Wondering what to get your mother, your wife who is a mother, your daughter who has a child or your grandmother for Mother’s Day? A gift of health is a good choice; a gift of Pilates exercise is an excellent choice. Pilates has been proven to reduce stress and increase energy while strengthening, lengthening, stretching and toning. Pilates also helps to improve one’s posture, coordination and over all well being. Pilates is for everybody.

Suncoast Pilates offers a variety of ways to give a present of health via gift certificates. Gift the recipient a Pilates private introductory session, purchase a private session package, gift a floor class or present a present of group equipment session package. The studio offers private sessions from early morning till late evening, group equipment sessions and Pilates Mat and Barre fitness floor classes are offered at select days and times weekly. The studio also offers private sessions on the CoreAlign.

For the new mother, Pilates is a great way to get the body back in shape. For those thinking of becoming a mother, Pilates is a great way to strengthen the body in preparation for pregnancy. Clients who start Pilates prior to pregnancy are often able to continue Pilates throughout their pregnancy with modifications. The studio has

Baby Rock photography

Baby Rock photography

proudly exercised many mothers throughout their first, second and even third pregnancies. Pilates offers a wonderful, effective exercise program for both pre-natal and post-natal clients. Suncoast Pilates is proud to showcase some of the Pilates babies born to clients who exercised throughout their pregnancy and returned post-pregnancy to their Pilates exercise program. Recent years include 2012 with five Suncoast Pilates clients giving birth to baby boys, 2011 clients gave birth to four baby boys, with dozens of Pilates babies in years past. This year so far in 2013, we welcomed one Pilates baby girl.

Pilates is for mothers of ALL ages (and fathers too!)


Patricia Welter, B.S., PMA®- CPT Lolita San Miguel Pilates Master™ Second Generation Pilates Teacher Balanced Body® Faculty
Owner Suncoast Pilates

If you are an underwater homeowner

If you are an underwater homeowner the HARP (Home Affordable Refinance Program) was set to expire December 2013 and was just extended for two years to December 2015. If you’re not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through the Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage.

  • The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.
  • The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
  • The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
  • The current loan-to-value (LTV) ratio must be greater than 80%.
  • The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.

The HARP program is eligible for owner occupied homes a second home, an investment property, single-family homes, condos and villas as long as Fannie Mae or Freddie Mac owns your loan.

To check if Freddie Mac or Fannie Mae owns your loan go to the website below, or call and I will check for you.

www.fanniemae.com/loanlookup 

www.freddiemac.com/mymortgage

You can reach JoAnn Rooney at My Mortgage Source 727-938-9007

Dear Customer,

I am very pleased to announce that My Mortgage Source is now open for business and is located at 2142 Alt. 19 Suite D, Palm Harbor 34683.

After 10 years of being a partner and co-founder of Your Mortgage Source, I decided the time was right for me to branch out on my own. As far as you my customer is concerned, nothing has changed, except for the name and location. My entire staff has moved along with me and we look forward to providing you with the same excellent service and advice that we have in the past. Please feel free to contact me with any questions that you might have. 

Sincerely,

JoAnn Rooney


JoAnn Rooney is the CEO of My Mortgage Source, LLC. JoAnn is also a member of Dunedin Rotary North, a 2007 Leadership Pinellas Graduate, a Member of the Mortgage Bankers Association, serves on the board of the Pinellas County Economic Development Council and a member of the Florida Association of Mortgage Brokers. My Mortgage Source, LLC is located at 2142 Alt. 19, Suite D Palm Harbor, Florida 34683. JoAnn can be reached at 727.938.9007 or email: joann@mymtgsource.com. Also visit www.mymtgsource.comfacebook.com/FLMortgageLadyand follow on Twitter@FLMortgageLady. Company NMLS# 1019744

Ask Andrew Ashton… LaPosh Salon

In this column, I typically respond to write-in questions from readers on beauty, hair, make-up and the sort; but a recent client consultation made me rethink the topic for this month. During the consultation about a new haircut, I quickly realized that she wasn’t just looking for the “right” cut or color. She wasn’t feeling confident in her appearance and I feared that nothing I gave her would be what she was looking for. This made me sad that not only was this lovely woman unhappy with her current look, she lacked the self esteem because she had become reliant on supermodel and celebrity images as go-to imagery for real life. Many of the household names we see in magazines have been touched up or airbrushed to perfection. And much to our surprise, celebs deal with some of the same struggles and emotions about their looks as we do. While my job is to “make people beautiful,” I also love what I do because it allows people to feel excited and offers them a renewed sense of appearance. I wanted my client to recognize that beauty is not just skin and hair-deep. In the end, I cut and colored her hair and she loved it. She also shared with me that the time I spent with her was even more important than her new ‘do. What started as a consultation turned into a heart-to-heart talk about life and all its challenges. My reward was knowing that she felt happier in her own skin now and that I had played a part. What’s my piece of advice in this column, you ask? There is beauty in everyone and it’s not hard to find. Maybe a new haircut and/or color can help achieve your new look, but inner beauty is just as important in what you see each day in the mirror.

Blessings to all, Andrew Ashton

Get The Skinny On Tampa’s Best Fat Melting Device

Exilis offers targeted treatments for fat reduction, skin tightening, body shaping and anti-aging

With summer approaching, the desire to get beach body ready is impossible to ignore. While we always suggest starting off with a healthy diet and the right amount of exercise, when that combo isn’t enough, there’s always Exilis.

Exilis was the winner of best skin tightening device in 2012 at THE Aesthetic Show, Las Vegas, NV, and has been featured on numerous television programs such as “The View” and “The Doctors”. Exilis uses focused radio frequency (RF) to tighten skin. Thermage is another well-known skin tightening device using RF. The difference between Thermage and Exilis is that Thermage is extremely painful and Exilis feels much like a hot stone massage. The pain of Thermage may also limit how high the settings can be, which may limit results. With Exilis, there is no pain and no downtime. Exilis does require several sessions for a complete treatment, usually 4-6 sessions about a week apart. Each session lasts 20 min to 1 hour depending on how many areas are being treated at each session. The downside with ANY energy based skin tightening device is that the patient must wait for their own collagen to grow and remodel to see the results. Excited about starting to look younger, the wait can be as frustrating as watching grass grow. But in just three months, a visible change does occur and results continue to improve even beyond this. It’s as if the patient is aging backwards as the device actually causes some changes within the skin that are opposite of what occurs with the aging process.

Exilis can not only be used on the face to firm, smooth, and tighten the skin, but it can also be used on the body to address those areas that no amount of working out and dieting will fix. The body hand-piece of the Exilis device not only tightens skin, but also shrinks fatty deposits and allows a very nice non-surgical body contouring. There is no downtime and no pain with Exilis body contouring either. Many patients actually fall asleep during the treatments. Patient satisfaction with Exilis is very high. The body sculpting results become visible much more quickly than the skin tightening, with patients frequently reporting visible changes in the first week. Also, since the fat deposits are being reduced over several sessions though gentle heating, there is no risk of contour irregularity, lumps, gouges, or dimples as can sometimes be seen with poor results in surgical recontouring. There is no garment to wear and no bruising or drainage or potential for infection. The fat just seems to gradually melt away in the areas treated, without any slow down in your activities except for the relaxation during the treatment itself.

Call 813.874.2332 for an appointment or visit www.lecadatampa.com

Lecada Medical Artistry is conveniently located at 3710 West Azeele St., Tampa, 33606.



When Mama’s Happy, Everyone Is Happy!

Debbie and Larry Lieberman, D.D.S.

Debbie and Larry Lieberman, D.D.S.

Over the years in our home of 3 active boys my wife, Debbie, kept command central in control by juggling sports, school, social calendars and work. The mantra in our home was “when mamma is happy, everyone is happy”! Today we laugh about it, but moms of today juggle so many family responsibilities and set the tone for the home. Not only do they manage the family lives, they very often put their own needs last making sure everyone else’s needs are met. Many times in our dental office I meet moms who are in desperate need of dental treatment but choose to put their children’s needs first. While this is very important, I would like to encourage those moms to think about the model they are setting for their children and somehow find a way to take care of themselves too. I celebrate these moms and invite them in to our dental office to be treated and pampered.

The experience begins the moment you enter our office. Cool, calming, spa colors, a soothing rock waterfall, a coffee bar (that rivals Starbucks) and a warm, smiling face awaits you at check in. Whether you’ve come for your routine hygiene visit or for other dental treatment, your comfort is our prime concern. Using memory foam chair pads, TV and music headphones, sunglasses and a garden view in each treatment room gives you the feeling you’re not in your typical sterile dental office.

For those patients who need a bit more “comfort” in a dental environment we offer several additional options. Nitrous oxide (laughing gas) is available to help relieve dental anxiety. In addition, we are licensed to offer oral and IV sedation, a deeper more relaxing way to get through your dental visit. Very often dental anxiety can be helped simply with calm, soothing music, a dark pair of sunglasses and a caring staff who is attentive to your needs.

Of course we are here to meet all of your dental needs – teeth whitening, bonded fillings, veneers, crowns, root canal, dentures, implants and implant restorations- are some of the services we offer. We even have 6 different lasers to make your dental treatment easier, faster and more comfortable. For those busy and with time constraints we can make Cerec crowns in a single visit. To compliment this we also offer BruxZir Solid Zirconia crowns which are stronger and a beautiful alternative to conventional crowns. If you’d like to pamper yourself we can do that too. If your smile isn’t all that you’d like it to be we have many cosmetic options to help. If your teeth aren’t as straight as you’d like them to be we have options to help straighten them. If your appearance is aging faster than you’re ready for we are proud to offer Botox and Dermal Fillers to enhance your appearance.

Our philosophy has always been and continues to be to keep our service and approach to excellent patient care a top priority. I am extremely proud of my staff that has helped me to make this a reality. I look forward to answering your questions and to serving any of your dental needs.

Larry Lieberman,DDS

The Clinical Option Of HCG In Your Journey To A Healthier And Thinner You.

Dr. César Lara

Dr. César Lara

With the summer months approaching and longer sun filled days enticing us all to enjoy the beach, our desire to get our bodies fit for swimsuits is very real.

There is a clinical tool available to facilitate a more robust start or restart in the losing of inches. Consider this option not only for swimsuit season, but as one begins to implement a long-term strategy of lifestyle modification and ultimately, transformation. The option is the use of HCG.

HCG stands for Human Chorionic Gonadotropin, which is a hormone that women produce in significantly high levels during pregnancy (500,000 to 1,000,000 units / day). It is generally believed that its purpose is to ensure that regardless of whether the mother eats or not, the unborn baby will get its nutrition via a facilitated and more direct breakdown of fat, hence creating a constant source of calories.

HCG in small amounts (100 to 300 units / day) has been used in both genders since the mid 1950s to aid in weight loss. Thousands of persons swear by the results that they have achieved. However it has been very controversial, as the original Italian physician who first promoted it for weight loss also tied it to an extremely low calorie diet of 500 calories / day.

The scientific community has done studies that showed that the amount of weight lost with a 500 calorie plan was similar between groups of people taking HCG and those not taking HCG, hence a large majority have concluded that HCG is no better than a placebo. Further clinical evidence advices against such restricted 500-calorie diets due to potential starvation mode elicited in the body, in addition to concerns of safety.

On the other hand there is now clinical evidence that it is not just the amount of weight loss that needs to be compared; but also the source of weight loss that is important. Specifically it is the desire to lose the “ FAT” weight and not the “MUSCLE “ weight, and if someone is put on a very low calorie diet, the problem is that the person will lose too much muscle, (lean body mass) which is in direct proportion to that person’s metabolic rate. In addition, recent studies have clearly concluded that improving and increasing lean body mass directly decreases insulin resistance, which is the culprit in obesity. HCG treated patients have shown that the amount of muscle loss is half the amount as those following a similar diet but without HCG.

The story that we hear and see often is that a person on an HCG protocol will noticeably see inches shrink on the areas of their body where the fat accumulates the most. It is especially helpful in persons with the “pear shaped” body where the weight is accumulated in the hips and thighs. With many diets, the “pear shaped” body type will many times find their upper body, especially their face, begin to look “too thin” despite the fact that their lower half still has significant excess. The volume of a pound of fat is significantly larger than the volume of a pound of muscle, and hence, as more fat is released, the more volume or inches one’s body shrinks.

HCG is a regulator of hormones, which is of great value in patients with excess weight, as their condition is an expression of an imbalance in their hormonal state. Specifically, HCG regulates many hormones including thyroid and the sex hormones, most notably testosterone. It is used clinically in males to help increase their own production of testosterone, and it is also used in females seeking treatment for infertility. The improvement in the testosterone levels of those on HCG most likely is the reason why muscle weight loss is minimized as the testosterone turns on an anabolic state in the body whereby it promotes muscle development.

In our practice we use mainly the injectable type of HCG. There has been controversy regarding the use of oral forms as recent studies have shown there are no detectable levels of HCG except when the injectable type is used. The FDA (Federal Drug Administration) has been warning consumers that the

Homeopathic HCG products typically marketed as weight loss aids, and sold via the Internet and stores, usually in the form of drops and pellets, are illegal and unproven.

As in any nutritional plan that helps shed of the excess weight, keeping it off is the real story. In our practice, we see a large amount of patients that had done what they thought was HCG in the past and obtained good results, but were not maintainable and they regained their weight plus more. Of course this story resonates with all nutritional plans as most people doing diets only focus on “you can eat this and not that “ for a certain period of time. Afterwards they resume their usual and customary habits, which lead them to gain weight initially and will continue to do so always.

However with those patients doing a very low calorie diet on their own and taking what they thought was HCG, it would make sense that they would initially lose the weight dramatically as 500 calories is drastic. The problem is their weight was lost not only in fat, but also in larger amounts of muscle, which subsequently lowered their metabolism and predisposed them to insulin resistance. That in turn, primed them for quick and unhealthy regain, even though their caloric intake was still low.

In my experience, when HCG is used with close medical management of a very low calorie nutritional plan, it can facilitate a great start. It is used in cycles of four or six weeks; and in between cycles, the nutritional plan is adjusted. Some people do a cycle to get a good start and develop the confidence to be on their journey to a healthy weight. Others use a cycle once they reach a plateau in their weight loss journey, and many see the benefits of helping reshape their body by facilitating the loss of inches in the stubborn areas of their body.

A healthy lifestyle transformation is the goal of any nutritional plan that helps release excess weight, and is ultimately the true measure of success. A successful plan should not only focus on the amount of pounds lost, but more importantly on its inherent ability to help transition into a healthier and maintainable weight. This requires the understanding that it is not a quick fix but a long-term commitment where education, guidance and support are paramount.

Although there are many tools to help aid in our journey to a healthier thinner self, the tool that is the most important is your mind and the thoughts that are elicited every single day. Hence despite great opportunities to help in the rebalancing of our hormones, and improvement in insulin resistance, in my humble opinion, the real goal is the ability to maintain that healthier weight, not a quick fix. That goal can only be achieved if you give yourself the love and commitment to change your lifestyle and recognize that all is possible. You just need to visualize, believe and work at seeing it actualize.


 

Dr. César A. Lara

Dr. César A. Lara

César A. Lara, M.D. is a Board Certified family physician and a leading expert in the field of medicine, the treatment of obesity, and weight loss management. For more than 20 years, it has been Dr. Lara’s passion to become a positive force in America’s ever-growing obesity crisis…one patient at a time. Dr. Lara’s dream of helping men and women overcome diabetes, hypertension, high cholesterol, and other chronic conditions related to obesity was realized with the emergence of the César A. Lara, MD; Center for Weight Management as a premier weight loss center in Tampa Bay. A graduate of the University of Iowa, Carver College of Medicine, Dr. Lara is known for his strong personal faith and his generous contributions to the Tampa Bay community. Dr. Lara regularly appears on television as a medical contributor to Brighthouse Network’s Bay News 9 en Español and WTSP-TV Studio 10. He frequently participates in corporate health fairs promoting an active lifestyle and healthy weight loss options. He is the founder of St. Michael’s Free Clinic and Weight Away Tampa Bay, charitable organizations that provide free medical treatment to those who cannot afford it.

Paul’s Chopped Salad

  • 1-2 heads iceberg lettuce
  • 3 tomatoes chopped
  • Small bag sliced red cabbage 
  • 1 large cucumber diced
  • 1/2 cup fresh diced green pepper
  • 1/2 cup diced black olives (no Pitts )
  • 1/2 cup diced fresh mushroom
  • 1 carrot shredded then chopped
  • 1lb bacon cooked crisp cut into 1in. Pieces
  • 1/2 to 1 cup blue cheese crumbles

Wash and dry lettuce finely chop and put in large bowl.

Add all your chopped vegetables to bowl with lettuce and toss to combine well.

Add bacon pieces then blu cheese crumble to top of salad

Serve with balsamic vinaigrette on the side

Tips: keep all ingredients nice and cold serve on refrigerated plates.

Add grilled chicken breast to make a great lunch or dinner entre

1500 McMullen Booth Rd. (Near Publix corner of 590 and McMullen) 727.723.9777

Meet Larry Lieberman, D.D.S.

Panache: Why did you choose this business or line of work? 

Larry: To change people’s lives – health & beauty. To help people who fear the dentist feel comfortable, less fearful & gain trust.

Panache: What is your primary role or duty in your company? 

Larry: Owner, dentist, leader – set the tone for a warm, caring, nurturing environment. To set a standard for always growing and learning.

Panache: What sets you apart from your competition?

Larry: Leader in the field of state of the art, high tech dentistry. I treat people with kindness & compassion – the way I would want to be treated.

Panache: What would you be doing now if it weren’t for your business, taking money out of the equation? 

Larry: Donating my time and abilities to people who need it. 5 Years ago several of us co-founded Gulf Coast Dental Outreach to help people in need. Now we have over 100 dentists who donate their time for this cause. It has served as an example around the state.

Panache: What do you do for fun?

Larry: Many sports – golf, work out, bike – anything with my family and friends.

Panache: Who or what is most important to you, personally or professionally? 

Larry: Balance my life between work, play, family and religion.

Panache: A little secret about you that would shock those who don’t know you!

Larry: For 18 years of my life I spent most of my time working and coaching my 3 son’s baseball and soccer teams (42 teams) in all!

Panache: What are your personal and professional mottos?

Larry: To treat people in a way that I would want to be treated – with caring and excellence. If you are not growing you must be dead.

Panache: When you were five, what was your dream to be when you grew up?

Larry: To be a baseball player or a doctor.

Panache: Have you achieved all or most of your dreams thus far?

Larry: Professionally – I have an incredible profession. I love dentistry and have a great team who feel this way too. We all strive to improve the lives of our patients each and every day.

Personally – I have my health, a wonderful marriage of 32 years, 3 grown fantastic sons – I have surpassed my dreams!!


Larry Lieberman, D.D.S.

Larry Lieberman, D.D.S.

Dr. Larry Lieberman began his career as a dentist over 30 years ago. After his undergraduate studies at SUNY Cortland, NY he continued his education and graduated from the prestigious NYU College of Dentistry. He furthered his dental training as a resident at Bergen Pines County Hospital, Paramus, NJ. After a few short, snowy winters he moved south and has practiced in the Palm Harbor area for over 24 years.

Dr Lieberman in his commitment to provide the best and most up-to-date care, has a strong belief in continuing education. Yearly he and his staff complete numerous hours of continuing education. He has graduated from the Pankey Institute of Dental Excellence and the Misch Institute for Implantology. Some other institutions of study are:

  • Pride Institute for Practice Management
  • Seattle Study Club
  • Institute of Aesthetic Advantage for Advanced Dental Studies
  • Dental Organization for Conscious Sedation
  • Various local study groups
  • In addition, he has lectured both locally and nationally on subjects such as cosmetic dentistry, practice management, snoring and sleep apnea, nutrition, non-surgical periodontal disease and lasers in dentistry.
  • Also important to Dr. Lieberman is his role in the civic and professional community.
  • He proudly belongs to:
  • American Dental Association
  • West Coast Dental Association
  • Academy of Cosmetic Dentistry
  • Florida Dental Association
  • Upper Pinellas Dental Association
  • Academy of Laser Dentistry
  • Fellow of the American Academy of General Dentistry
  • Fellow of the International Congress of Oral Implantology
  • Upper Pinellas Association Peer Review Advisor
  • Oldsmar/Palm Harbor Youth League – Baseball and Soccer Coach
  • Most recently he became a founding member and co-director of the Gulf Coast Dental Outreach Clinic for adults near or at the poverty level.

A Match Made in Heaven

Art and Diane Whitney - Photo: Don Shepherd XOPIXO

Art and Diane Whitney - Photo: Don Shepherd XOPIXO

Art and Diane Whitney, owners of A-1 Custom Cabinets is truly a unique couple. Art is a rare bird as he is a lifelong resident of Pinellas County. His cabinet career started in 1976 at a small cabinet shop. The name of that shop was A-1 Custom Cabinets. After two years of perfecting the fundamentals, he went on to work in other high end cabinet shops, followed by working directly for building contractors in custom homes.

In 1980 he sought fame and fortune moonlighting as the drummer for “The Fanatics”, with a huge following throughout Florida. As the flame of fame began to dim, he again followed his passion for construction and worked as project manager for a local builder. Never one to be still, he entered the competitive world of off-road motorcycle sports earning class champion status. His competitive spirit fueled his desire to be his own boss, and there was no question as to what business he would pursue.

In 1994, he returned to A-1 Custom cabinets with a silent partner and an offer to buy out the company. His destiny seemed fulfilled once he bought the company where he started his career. However, there was a new buyer on the horizon, a not- so- silent partner who sparked a whole new fire within him. Two years later his partner became his wife and he never looked back.

Diane grew up in the small town of West Milton, Ohio. After graduating high school, she went to Miami University in Oxford, Ohio where she majored in Interior Design. Upon graduation she promptly got married and followed her husband to New York. There she worked as an Interior Designer in a major furniture store. Realizing that marriage and the bitter cold were not for her, she migrated to Florida like so many Midwesterners do. Upon her arrival, she took a position in an area interior design studio before seeking her fortune in sales. Diane worked for 7 years as a regional manager for an automotive marketing company, after which she ignited her creative flair as a freelance designer. About this time, she was overseeing a major project when she happened upon a dashing cabinet maker named Art Whitney. Apparently she was so desperate for a date that she bought into his company. The two hit it off splendidly and within two years they were married. The rest is history!

As a husband and wife team, they bring both masterful cabinet making and exquisite design together under one roof. The original A-1 Cabinets was a small cabinet shop that built mostly laminate cabinets. Art and Diane moved the shop to a new location, four times the original size, upgraded to automated machinery, and dramatically increased the volume of business. They now focus primarily on wood cabinetry with intricate detailing. Their focus is building credibility of A-1 Custom Cabinets so that their name is synonymous with life-long quality. Art and Diane want to create a legacy. A-1 Custom Cabinets provides top quality workmanship to both residential and commercial markets, wood and laminate, indoor and outdoor. They always extend personal service and strive to exceed their clients’ expectations, each and every time. Their clients can choose from hundreds of styles and finishes, and have much more versatility in their design than other companies. A-1 also offers full remodeling services such as lighting, wall coverings, flooring, furniture, accessories and more!

Their goal is to be the premier remodeling resource center in Tampa Bay! When not working, Art and Diane devote much of their time to local organizations as sponsors and contributors; they have a very strong belief in giving back and are Members of NARI and an Allied Member of A.S.I.D. They both love the outdoors; are loving parents to their 24 year old daughter Ryan, their dog Roxie and cats Sam and Gato. Both feel they owe a large part of their success to their parents who were inspirations for them and always believed in them. They taught them the value of hard work, honesty, integrity and a belief in God. Without their constant guidance and support, they WOULDN’T be the people they are today! Art is fun-loving, compassionate and discriminating while Diane is intelligent, focused and very, very classy. Truly, a match Made in Heaven!

A-1 Custom Cabinets can be reached at 727.447.6815 or visit their website at www.A-1CustomCabinets.com. Showroom hours are by appointment.

Honest, Current, Visionary

Jennifer and Kevin Richards

Jennifer and Kevin Richards

Location, location, location is the cardinal rule of real estate, but in today’s tricky market, location, timing and talent are what define this successful real estate team. Kevin and Jennifer Richards are the visionaries behind Homefront Realty.

They met in 1991 in St. Louis, MO. and married in 2004. Both sharing a common interest in real estate, they decided to purchase a few apartment buildings as investment properties. Using their knowledge from maintaining these buildings, they then decided to purchase and renovate a house in need of some TLC…and the rest, as they say, is history.

The satisfaction of transforming a run-down property into a home that a new family would love and grow in was extremely motivating.
They decided to quit their jobs in 1995 and went full time into real estate as investors.

Kevin and Jennifer would purchase the worst house on a street. They invested time and money and applied some good old fashioned elbow grease. Hearing gratitude and appreciation from so many neighbors while they were renovating these homes, made it even more rewarding. They knew they were making a difference in the community. They have bought and sold countless houses over the years.

When Kevin’s Dad learned he had lung cancer, this prompted them to sell everything and settle in Dunedin Florida in 2001.

During the major decline in the housing market, they saw a lot of their colleagues getting out of the profession. Knowing only the strongest and experienced realtors remained, they saw this as an opportunity to recruit them to their team by starting their own real estate brokerage firm. Homefront Realty is now a thriving local business currently offering professional agents multiple revenue options.

Homefront Realty offers realtors something that is unheard of with other brokerages… In addition to extensive training and warm leads for all “traditional” real estate, they have an in house bank negotiation company dedicated to handling all the time consuming bank contacts for their short sale listings.

There’s no charge to the agent or their clients for this service. Agents receive their FULL commission. This means the brokerage will handle all the “dirty work” and agents don’t have to be afraid of accepting short sale listings any longer. Kevin and Jennifer don’t want their agents bogged down on the phones with banks when they could be out building their own personal businesses.

Kevin and Jennifer “get transactions closed and help clients in a most beneficial way.” Clients appreciate the fact that they never give up and successfully tackle even the most challenging situations. Another philosophy followed by Kevin and Jennifer is that they always place the homeowners’ and agents’ best interest ahead of their own. They truly care about the individuals they serve and leaving a positive impact on the community. Homefront Realty strives to keep on the cutting edge of technology and a number one priority is to keep up with the constant changes that occur in the real estate industry. They fight for their clients and realtors when they get in to a challenging situation.

One story from Kevin and Jennifer that seemed to sum things up was a situation regarding an abandoned house in terrible condition in their neighborhood. Kevin contacted the owner and she said she fell behind on payments not knowing what to do. The bank would not work with her. Their in-house company ended up negotiating a complete satisfaction with her lender allowing them to sell it at today’s market value. Within 1 month they were able to sell the house to a person that fixed it up to be one of the nicest houses on the street.

The result; The homeowner avoided having a foreclosure on her credit and the potential for the bank to pursue her for any amount in the future. The person that purchased the house got a great deal on a fixer upper.

All realtors received their full commission.The community now has a beautiful home in their subdivision with a tax paying citizen maintaining it. This helps increase property values for the neighborhood.

When Kevin and Jennifer have some down time, they spend their time with friends in their Dunedin community. They found a lot of great friends in their neighborhood, sharing common interests. “Our friends have pretty much been our family over the years.”

Jennifer enjoys everything about cooking, and Kevin…well…likes everything about eating her cooking.
Kevin’s also likes playing music and collecting / restoring pinball games.

Kevin and Jennifer owe their success to the people they’ve surrounded themselves with: their outstanding staff. We also owe a good amount of gratitude to our happy home sellers, buyers & attorneys for their continued referrals.

You can hear some of their testimonials on their YouTube channel.. www.YouTube.com/HomefrontRealty

For additional information, go to www.HomfrontRealty.net or call 727-641-4444. The office is located at 29901 US Highway 19 North in Clearwater.

Blockbuster Home Selling 2012

Broker Owner Jennifer and Owner Kevin Richards

Broker Owner Jennifer and Owner Kevin Richards

Hunger Games or Hope Springs

Selling a Home in Today’s Market can seem to have as many emotions and plots as the latest blockbuster movies! As a seller, you may be feeling like your home is “Expendable” or like you’re living “The Hunger Games”. And, it is natural to desire the leading role in “The Avengers”. But, “Hope Springs” is the best mindset for home sellers in the Tampa Bay real estate market as long as it’s accompanied by a laser focus on the critical factors that will bring positive results. There is hope and here’s why!

The real estate market experienced a huge negative shift in 2008 that Floridians have been feeling for the past 4 years. Because of this, selling a home requires different marketing tactics and outstanding agent skills in order to get the best outcome for sellers. That’s why we, at Homefront Realty, designed our brokerage with the client and agent in mind. In every sphere, there are fewer transactions, less equity in homes, and more difficult “ropes” for buyers to climb to get loans (not to mention buyers looking for the best bargains around!). Considering all of these factors, we knew that in order to serve our community and offer the best full service brokerage, we had to do some real “cutting-edge” things to create a win/win for all of us in the housing market. By creating excellent marketing, lead generation and systems for Buyers, Sellers and Realtors; we have been able to serve everyone no matter what their “unique” situation may be. Hope springs eternal!

If you are a home seller or a realtor and would like more information on how our programs and systems are getting phenomenal results, please call for your FREE, confidential consultation. We look forward to serving you!


visit our website at www.HomefrontRealty.net to search homes for sale and to connect with us on Facebook, Twitter, LinkedIn, and YouTube.


Jennifer and Kevin_Richards - Homefront Realty - LogoHomefront Realty – Palm Harbor/Clearwater – 727-641-4444

 

 

 

Mortgage Broker

JoAnn Rooney

JoAnn Rooney

Definition: (One who acts as an intermediary on behalf of individuals to help them find a loan specific to their needs from a bank or lending institution).

Mortgage brokers that are still in business today are because of hard work, pride and dedication to their craft. Continuing education is required to keep up with the stringent laws and changes that have been put into place in the mortgage industry over the past several years. Keeping up with these changes has not been easy for many. As a result, the mortgage brokers that are still active and conducting business are a direct result of the hard work and effort they have put forth. The others have fallen by the wayside.

This is good news for you the consumer! Mortgage brokers are better than ever at helping you find financing for your home. If they can’t find affordable financing for you, maybe you are not ready to purchase a home. Sometimes I have to tell a client they should wait eight months and get their credit score raised so they can qualify for a loan. Sometimes it requires saving more for a down payment or for reserves. It makes my day when someone calls me back a year after I last spoke with them and asks me to check their credit rating and I find they have taken my advice on cleaning up their credit. I love informing them that now is the time to call a realtor and start searching for their dream home.

So what exactly does a mortgage broker do? It starts with a phone call from someone interested in purchasing a home. Then it goes as follows;

Assess the borrower’s circumstances. This includes reviewing a credit report as well as income documentation and assets. This is a fact finding interview. I give the borrower as many options as possible since I work with more than 10 lenders. After discussing what their options are I help them choose which one best suits their needs, Conventional, FHA, Jumbo, VA, USDA or a HARP loan.

I generate a lenders agreement in principle (pre-approval letter). Next, I gather all documents that are needed; pay stubs, bank statements, tax returns, contracts, insurance, title, surveys, etc. Then I complete an application with the borrower and go over all the closing costs. I explain all legal disclosures and the underwriting process and submit the file to the lender. I like to accompany my borrowers to closing and be there for them on their big day.

Once a customer closes on their home, this is not the end of my relationship. I keep all clients on an email list that periodically sends them updates about the mortgage market. As people’s lives and careers change, so do rates and the market. Empty nesters are downsizing and growing families need more space. I get to be a part of my client’s lives as I watch them have babies and see grown children leaving for college.

The best compliment I can receive is when a client calls me with a referral. This is also the most rewarding part of my job!

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

Buzz Stop – In and Around Tampa Bay

Use the power of inspiring community to make the most of this summer. You will remember how relaxation, fun, adventure and playfulness are all important parts of living a full — and productive — life. The idea of fun through contributing to local charities and events helps everyone!

The 48 Hour Film Project is the weekend of July 20th through the 22nd. Filmmakers from all over the Bay area will compete to see who can make the best short film in only 48 hours. The winning film will go up against films from around the world. This year, teams will be accepted on a first come, first served basis. Visit: www.48hourfilm.com/en/tampa-stpetersburg

You don’t have to be in great shape to compete in this summer’s Hog Wild Mud Run on July 21st with proceeds benefitting the Tampa Police Department’s Mounted Patrol. The 3 mile race includes fun but challenging obstacles, a mud pit slide and a celebration party that includes food trucks and live entertainment with participants wearing crazy costumes. Visit: www.hogwildmudrun.com

Host Carol Mickett, philosopher and artist, leads this monthly series of talks with local heroes about their visions, accomplishments and contributions to shaping the community at Our Town Conversations on July 26th at the Dali Museum. Visit: www.thedali.org

On July 27th experience purchase beautiful artwork and jewelry created by PARC artists with developmental disabilities at Art in the PARC in Downtown St. Petersburg. Over 1000 pieces will be featured along with food, refreshments and music. All artwork and jewelry sold benefits PARC. Visit: www.parc-fl.org

Photo: Todd Montgomery, Clear Glass Photography

Photo: Todd Montgomery, Clear Glass Photography

The Ritz is again host to this year’s Celebrate Sinatra on July 28th presented by Ken Walters. Celebrating Ol’Blue eyes with complimentary vodka martinis, passed hors d’oeuvres and dancing to live music by Ignacio Marin’s Latin Lovers and Tom Tiratto’s 17-piece big band orchestra with Ashley Locheed and Paul Phillips. Visit: www.kenwalters.com/celebrate-sinatra

Go wild at the 17th annual WaZoo on August 4th with more than 250 beers and specialty ales from around the world, restaurants with local cuisine and live music. Lowry Park Zoo comes alive with animals of the human kind. Visit: www.lowryparkzoo.com/wazoo

Summer’s heating up at the Ask Gary Amphitheatre at Florida State Fair Grounds with bands that include Bare Naked Ladies, Dave Mathews Band, Sugarland, KISS, Motley Crew and Jason Mraz to name just a few. Visit: www.livenation.com/1800ASKGARY-Amphitheatre-At-the-Florida-State-Fairgrounds-tickets-Tampa/venue/107257

Panache Vue’ Magazine is proud to offer our support to these events. This is just a tease of what’s happening around Tampa Bay… visit PanacheVue.com to get more event information. And in case we’ve missed something, email us at events@PanacheVue.com.

Enjoyment is defined by you. We hope to see you soon!


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.

Is It Better To Just Walk Away?

Broker Owner Jennifer and Owner Kevin Richards

Broker Owner Jennifer and Owner Kevin Richards

Sometimes facing the situation head-on produces the best outcome – Short Sale vs. Foreclosure FAQ

Issue: My Credit Score

Foreclosure: Score may be lowered anywhere from 250 to over 300 points, and will typically affect score for over 3 years. Foreclosure will remain as public record on a person’s credit history for 7 years or more.

Short Sale: Score may be lowered as little as 50 points and the effect on credit may be as brief as 12-18 months. Only late payments will show on the credit report as there is no specific reporting item for “short sale”. In most cases a loan is typically reported as “paid in full, settled, or paid as negotiated”.


Issue: Deficiency Judgment

Foreclosure: In 100% of foreclosures, the bank has the right to pursue a deficiency judgment. In most cases a foreclosure later sold as an REO will result in a lower sales price and a higher possible deficiency judgment.

Short Sale: In a successful short sale, it is possible to convince the lender to give up the right to pursue a deficiency judgment against the homeowner.


Issue: Can I get a Mortgage in the Future?

Foreclosure: A homeowner who loses a home to foreclosure is ineligible for a Fannie Mae backed mortgage for up to 7 years. In applying for a conventional mortgage, you will be asked if you have had a property foreclosed or done a deed-in-lieu in the last 7 years, which will affect future mortgage rates.

Short Sale: A homeowner who successfully closes a short sale will be eligible for a Fannie Mae backed mortgage within 2 years. A homeowner may apply for an FHA loan immediately if payments are current at the time of the short sale. If homeowner is late on payments, they may be eligible for an FHA loan after 3 years.


Issue: Current and Future Employment

Foreclosure: Employers have the right and are actively checking the credit regularly of employees who are in sensitive positions. A foreclosure in many cases is grounds for immediate reassignment or termination. A foreclosure is one of the most detrimental credit items an applicant can have and in most cases will challenge employment.

Short Sale: A short sale is not reported on a credit report and is therefore not a challenge to employment.
(*Source: 2011 Distressed Property Institute, LLC and is provided for informational purposes only.)
With accurate information and guidance homeowners don’t have to walk away and have long term ramifications. Working with the bank by doing a short sale creates a win-win for all parties involved.


It’s getting better. . . however, our current economy still has many homeowners who are in distress and facing hardships. We have seen the bitter reality that hardship does not discriminate against people for any reason. Homeowners of all income levels are facing challenges of owning a home which has lost significant value due to our recent economic upheaval.

Homefront Realty offers FREE, no obligation homeowner consultations. If you are unsure about your home’s value or your mortgage position, contact us – we CAN help!! HomefrontRealty.net


Jennifer and Kevin_Richards - Homefront Realty - LogoHomefront Realty – Palm Harbor/Clearwater – 727-641-4444

 

 

 

What Is Your Credit IQ?

JoAnn Rooney

JoAnn Rooney

A credit score is primarily based on credit report information typically sourced from credit bureaus. Credit scores can affect many aspects of your life, your ability to get a credit card, a mortgage and even a job. Credit can be tricky to understand..

How well do you understand what goes into your credit report and credit score? The following true and false statements may give you a better idea what your credit scoring is all about. Test your knowledge of credit reports and scores to see how much you know;

1. As soon as you pay off an overdue account, the late payments are removed from your credit report. False. Paying the balance of an overdue account is always a good idea. However, missed payments will still show up on your report because they are part of your credit history. Delinquencies of 30 to 180 days will stay on your report for seven years from the date of the missed payment. The good news is that older delinquencies gradually become less of a factor in your score.

2. Filing for bankruptcy will erase the blemishes on your credit report and allow you to start from scratch. False. For people in severe financial distress, declaring bankruptcy may be the only option. However, while a bankruptcy can erase your debts, it will not wipe clean your credit report. Bankruptcies will be noted on your credit report for seven to ten years, depending on the type of bankruptcy you file for.

3. You can request a copy of your own report without lowering your credit score. True. Checking your own credit report will not lower your score. In fact, it’s a good idea to monitor your credit file regularly to make sure that it is accurate. Go to www.annualcreditreport.com for a free credit report.

4. You only need to check your credit report with one of the three credit bureaus. False. While Equifax, TransUnion and Experian use similar formulas when calculating your credit score, each collects its data independently. Therefore, each bureau may have slightly different information in your file, and it’s a good idea to check your report with each of them. These scores can vary greatly from bureau to bureau!

5. Your income has no effect on your credit score. True.


6. A good way of raising your credit score is to obtain several credit cards, even if you don’t plan to use them. False. Using a mix of credit accounts — a mortgage, a car loan and a credit card, for example — and making regular payments on all of them will help you establish a solid credit history. However, opening accounts you won’t use does nothing to build up a positive credit rating. It may even backfire as too much available credit can lower your score. You should only apply for credit cards that you genuinely need.

7. Your credit report and your spouse’s are, and remain, separate reports. True.
8. While it is not easy, achieving a perfect credit score of 850 is possible. True (I’ve yet to see an 850 score in 15 years of originating mortgages).

9. Unpaid library fines and traffic tickets can affect your credit score True. Because cities looking for revenue are sending these cases to collection agencies.

What’s the big deal?

No matter which scoring model lenders use, it pays to have a great credit score. Your credit scores effect whether you get credit or not, and how high your interest rate will be. A better score can lower your interest rate.

The difference in the interest rates offered to a person with a score of 580 and a person with a 740 score can be thousands of dollars on a 30 year fixed rate mortgage. Paying bills on time and paying credit cards in full monthly are the single most important ways to maintaining a good credit score.

Call me if you need advice on how you can increase your credit scores, if you need mortgage advice or information on the HARP 2 refinance program for underwater borrowers.

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

Homefront Realty

Broker Owner Jennifer and Owner Kevin Richards

Broker Owner Jennifer and Owner Kevin Richards

When we realized the scope of the housing crisis, we knew that it would take more than a traditional real estate company to deal with the complexities of the new standard of transactions.

We would like to introduce ourselves as the new Real Estate contributors to Panache Vue Magazine.

We are anxious to share our stories of what we see happening on the “front-lines” every day. The market is rapidly changing with new Government programs and restrictions popping up all the time. It’s our duty to stay on top of this and help explain all options available to our clients.

With years of real estate investing between us we began the process of educating ourselves with some of the most prestigious real estate and pre-foreclosure groups in the industry. Adding leading edge technology and a network of professionals in the legal, finance and tax industry helped to lead us to the opening of this cutting edge brokerage. Our proprietary process of handling short sales has resulted in 99% of our homeowners walking away with full satisfactions, owing nothing to the bank and is hands down, the best method for our clients and our community. This is why a large percentage of our customers are referrals from attorneys and other real estate professionals.

There are a lot of great agents out there helping clients through the “maze” of the short sale process. Unfortunately we also see industry professionals, (experts) that put their pocketbooks ahead of their client’s needs.

HomeFront Realty works to preserve the dream of home ownership for those who are looking to buy a house or experiencing the financial and emotional duress associated with an unwanted or financially unstable property. In our own way we are fighting for the American Dream by helping people find hope in a difficult time and by providing them passage to a better future.

The number of people losing their homes, something that is catastrophic financially and emotionally for individuals and their communities is alarming. Oftentimes, individuals facing the process of foreclosure or bankruptcy are confused, scared, and not well informed as to their options. Many people are unsure where to turn once the bank begins the foreclosure process. Often, they will seek the help of a bankruptcy attorney, or throw in the towel altogether. The problem is that when people make poor decisions based on misinformation, it results in ramifications that can last for years.

Mention the term short sale and most sellers’ eyes glaze over. The fact is that many sellers have no idea that a short sale is an option for distressed properties. Throughout Florida, these types of short sales are becoming common, especially for owners who bought at the height of the recent residential boom using adjustable rate mortgages. At the same time, many buyers are interested in buying homes from sellers in financial distress. However, most sellers and buyers are unfamiliar with the complex legal, financial and negotiation issues involved in short sales, which occur when an owner’s mortgage is greater than the current value of the home.

We know our business; we know what we do well, and we believe that we are the best possible solution for people caught up in circumstances beyond their control.

We created our company to address this gap of knowledge in the larger public by providing the information and resources to mitigate the damage a foreclosure will have on one’s credit and to assist those facing the loss of their home get a new start – at no cost to the homeowner. We work with a team consisting of Attorney’s, CPA’s, Professional Negotiators, Title Companies and Buyers and their agents.

A “Short Sale” may be your best option. HomeFront Realty can work with your bank to get your property sold, forgive any deficiency balance and have them pay your closing costs—depending on your situation.

Call HomeFront Realty for a confidential, no obligation consultation to see if a Short Sale could work for you.

Whether you are looking to buy a property, sell a property, or save a property, we can help.


Jennifer and Kevin_Richards - Homefront Realty - LogoHomefront Realty – Palm Harbor/Clearwater – 727-641-4444

 

 

 

Experience Aesthetic Excellence

Dr. Andrew Ordon from "The Doctors" recognizes Red Bamboo Medi Spa with Best Aesthetic Practice Award

Dr. Andrew Ordon from "The Doctors" recognizes Red Bamboo Medi Spa with Best Aesthetic Practice Award

Over 1,500 aesthetic professionals attended THE Aesthetic Show in Las Vegas last month. Red Bamboo Medi Spa of Clearwater was the ONLY practice recognized for aesthetic excellence. Dr. Andrew Ordon of the hit TV Show, THE DOCTORS, awarded the top prize to Dr. and Mrs. Frank Toscano at a gala red-carpet event.

“I was so excited, I wanted to scream,” Raye Toscano, Licensed Esthetician and Spa Director told us. “We’ve worked so hard to provide the absolute best services and experiences for our patients. It’s amazing to be recognized on a national level.”

“Our own wonderful patients won it for us,” Dr. Toscano said. “Winning was not based on a judging panel or committee, but on the sheer number of our own patients who voted for us online. I am grateful and humbled by their support. We’ve won awards before but this is, by far, the most meaningful.”

In July Dr. and Mrs. Toscano will be flown to Los Angeles to film a TV segment for “Aesthetic TV”. Also, the international aesthetic magazine, “THE Aesthetic Guide” plans on publishing a feature article on Red Bamboo. “We hope to showcase some of the unique aesthetic techniques we use at Red Bamboo that have made us so popular with our patients,” Dr. Toscano told us.

Dr. Toscano’s artistic skill with facial fillers and lasers is known throughout the area and Red Bamboo’s SmartLipo Program attracts patients from California, Canada, Venezuela and even Italy. Not content to stand still for even a moment, Dr. Toscano told us about some exciting new procedures he is introducing at Red Bamboo.

“We already get great results with SmartLipo neck-lifts but now we can incorporate SmartLipo laser energy to reduce jowls and refine the jaw line. The results are amazing,” he tells us. “Also, we are introducing the Valentine Lip Lift to correct the sad-looking, elongated upper lip. And now, for the first time, we have an affordable method to treat acne pitting, stretch marks and scars. We are the first practice in Florida to offer the award-winning Dermapen which gently resurfaces while driving nourishing serums and stem cells deep into the skin. It has many advantages over a fraxel without the downtime or expense.”

Red Bamboo is celebrating with special offers only for Panache Vue readers. Call Red Bamboo before June 30. Mention Panache Vue and get $100 off 30 or more units of Botox or $100 off any facial filler.

Red Bamboo Medi Spa
Northwood Plaza
2516 C McMullen Booth Road
Clearwater, FL 33761
727-726-6100
RBMedispa.com

Buzz Stop – In and Around Tampa Bay

9th Festival of Speed

Attendees enjoyed a gathering of the world’s finest and most exotic new and vintage automobiles, motorcycles and watercraft displayed in Vinoy Park overlooking sparkling Tampa Bay.

Photo: Michael Blitch Photography
Photo: Michael Blitch Photography

Chillounge Night – Treasure Island

On March 31st, Panache Vue was a proud sponsor of Chillounge Night which graced the idyllic beach community of Treasure Island transforming the Community Center Park into the ultimate outdoor lounge experience. Hundreds of chic daybeds and other outdoor furnishings was set up to create a cozy, comfortable environment for an evening of food, drink and entertainment

Photo: Michael Blitch Photography
Photo: Michael Blitch Photography

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.

Get Your Affairs In Order!

JoAnn Rooney

JoAnn Rooney

Two years ago, I helped a lovely young couple purchase their first home. Shortly thereafter, the wife quit her job since they were expecting their first baby. Less than a year later the husband passed away unexpectedly. His life insurance policy through his employer was soon gone after the burial expenses were paid. This young man left his wife and child unprotected and with nothing left to help pay for their mortgage and monthly bills. This family lost not only a father and a husband but they also lost the family bread winner.

This is a very important reminder to my clients to look at your life insurance and make sure you not only have coverage, but the right coverage. Many of my first time homebuyers are young which means your insurance will be less expensive at that time in your lives. We all need a trusted advisor to talk to about insurance to help us decide just how much and what kind of insurance we need. You should also have a will in place so that you can spell out your wishes if something happens to you.

When my husband and I were young and planning our first vacation without our children, we started to ask each other what would happen to our two children if we didn’t make it home? This led to a very spirited argument about which family member would raise the kids and how we could secure their future in the event something happened to us. We immediately asked some friends and family members about finding a trusted financial planner we could talk with about insurance and financial security. While on our way to our initial appoinment, I remember thinking this experience is going to be painful as well as painfully expensive. Neither was true. We left two hours later and ever since that day we both feel very secure knowing we are in good hands and have done everything we could do to prepare ourselves should anything catastrophic ever befall our family.

With our wills drawn up and insurance in place (disability and long term care as well), we were comfortable knowing that we would never be a burden to our kids and all of us were protected should anything ever happen. How many times have you heard someone say what wishes they want carried out are after they pass away? Put your wishes in writing! Get your affairs in order no matter what your age!

Getting on that plane and heading to Cancun, knowing we had gotten our affairs in order, made for a great start to our vacation. Over the years, we have watched our children grow up and leave the nest. We have tweaked our insurance policies since then but since that day, we are both comfortable knowing that we had a plan in place to take care of each other as well as our family.

Don’t put off taking care of your family another day and if you need a referral to a trusted financial planner or someone to draw up a simple will, please call or email me any time!

Call JoAnn Rooney today 727-787-2299 X 1
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