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1 The VOICE of BOCA WEST October / November 2012 Boca West Homeowners Sabal Lake Dr. Boca Raton, FL PRESORT FIRST CLASS U.S. POSTAGE PAID BOCA RATON, FL PERMIT NO. 938 Log on to for BWB the daily Boca West News

2 President s Corner The Boca West Homeowners Association extends a hardy welcome home to all our residents. Summer time when the living is easy has drawn to a close and we are gearing up for a full season of activity. This season we delayed the first issue our publication, The Voice Of Boca West. This issue, October/November has more pertinent and timely information. It was planned to coincide with the arrival of the majority of our homeowners. (L to R) Arthur Charwat & Robert Lewis Our website, is up and running and is available to all our residents. The website offers a more timely way for us to keep in touch with you. You can find a great deal of information on this site but we want to improve the website and would appreciate your feed back and suggestions, so please let us know what you think. For many years BWHA has been proactive with the voter registration program. This year we again made absentee ballots available. The cutoff date to request an absentee / vote by mail ballot is Oct. 26, We have stepped up our voter registration program. Rose Lee Wander, a Boca West resident who is certified to re-register voters has been busy re-registering our residents at The Boca West Homeowners office. Incidentally the cutoff date to re-register is October 9, Re-registration is required if you have changed your name and/or address since the last election. You must appear in person for Rose Lee to register you. Interested?? Please call the Homeowners leave your name and number and please specify you are interested in the reregistration program. You can also us at; This season our three general meetings will held on Tuesdays December 11, 2012, January 15, and February 12, Phil Kupperman, Chairman of the Board has graciously agreed to address meeting attendees prior to the featured speaker. He will update us on CLUB PROJECTS AND OPERATIONS. We sincerely appreciate his time and anxiously await his updates. Information regarding our meeting speakers and their topics will follow. Within this issue you will find an article about the YELLOW DOT PROGRAM. This potentially life saving program is described in detail. It involves first responders to auto accidents, the police, fire and EMS, and how this program could SAVE YOUR LIFE. The necessary materials to participate will be distributed for free to all residents within villages belonging to the Boca West Homeowners Association. In conclusion The Boca West Homeowners Association welcomes all our residents back to Paradise for another active fun filled season. Our organization stands ready to help our residents of our member communities. We are only a phone call or an away. HAVE A HEALTHY, HAPPY AND STIMULATING SEASON!!. Thank You. Arthur Charwat and Robert Lewis Follow the Yellow Dots to the Article on the Next Page

3 Yellow Dot Program Follow the Yellow Dots from the previous page for an important and exciting offering for Boca West Homeowners Association Members. All residents of our member villages are entitled to free access to the new YELLOW DOT PROGRAM. We have partnered with the Police and Fire Departments under the auspices of the West Boca Community Council to bring you a valuable safety and health opportunity. In the event you are in an automobile accident in your car, or you were to take sick while driving and have to pull to the side of the road, the police or fire department upon arrival will see a yellow dot decal placed in the lower left corner of the rear window on the driver`s side to alert first responders. This will alert them to the fact that there is a folder in your glove compartment which will contain a picture I.D. as well as a record of all your medical information. This information could be life saving as it would contain a list of your medicines and any medical conditions you have. It will be immediately available even if you are not conscious or lucid. In order for you to receive this packet, your village MUST be a member of BWHA. Packets will be distributed to your board president and/or management company representative for distribution. For further information, call (561) The Following are Member Villages: Bridgewood MR 2 Bridgewood TH 1 Bridgewood TH 2 Charter Cay Cove Fairway Point 1 The Island Laurel Oaks 400 Peppertree 3 Waters Bend Waters Edge Waters Reach Willowwood 2 Willowwood 3 Willowwood Gardens Woodcrest West Boca Community Council Alliance of Delray Dot Fire Rescue Law Enforcement Residential AssociationsYellow

4 Red Light Cameras The city Boca Raton has installed red light cameras at the following intersections. The fine for running a red light and getting caught on camera is $ per occurrence. Intersection Fine Camera Type Direction Linton & Jog Road $158 Red Light Camera Military Trail & West $158 Red Light Camera Palmetto Park Rd. Glades Rd & $158 Red Light Camera Eastbound & NW 15th Avenue Westbound Glades Rd & $158 Red Light Camera North/East & St. Andrews Blvd. Westbound Yamato Road & St. $158 Red Light Camera Southbound Andrews Blvd. Yamato Rd & Jog Rd. $158 Red Light Camera Eastbound Clint Moore Rd. & $158 Red Light Camera Westbound Military Trail Palmetto Park Rd. & $158 Red Light Camera Eastbound Powerline Road Palmetto Park & $158 Red Light Camera East & West Powerline Rd. Yamato Rd & 2nd Ave $158 Red Light Camera Clint Moore Rd & $158 Both Red Light and North & South Congress Right Turn Cameras on Congress We will keep you informed of the placement of additional camera as we become aware of them. Motorists be extra careful particularly on right hand turns----avoid needless fines. Adolph & Rose Levis Jewish Community Center Become an A&L Member and Save! Call (561) ART, CULTURE & LEARNING Phyllis & Harvey Sandler Center for Jewish Life Enhancement th Avenue S., Boca Raton, FL 22nd Annual Book and Author Luncheon Tuesday, November 13 at Boca West Country Club, Registration at 9:00 a.m. Presenting three best selling authors: Delia Ephron Joshua Henkin Susan Isaacs Fee: $85, includes morning coffee and pastries, author presentations, lunch and valet parking. A&L Gold Members: $75, A&L Platinum Members: Free A Literary Afternoon Tuesdays at 2:30 p.m. at Levis JCC Sandler Center Author presentations and book signings Ellen Ullman, By Blood - December 4 Anne Cherian, The Invitation - January 15 Nancy Richler, The Imposter Bride - February 12 Jami Attenberg, The Middlesteins - march 12 Call (561) for pricing and details. Nathan D. Rosen Museum Gallery Season opening exhibition and reception: From Camelot To Hollywood- Iconic America: A photographic exhibition images by Stanley Tretick Opening Reception: Sunday, November 11, 1:00-4:00 p.m. November 11 - February 15 Gallery Hours: Monday - Friday: 9:00 a.m. - 4:00 p.m., Free Admission Special appearance and presentation: Kitty Kelley International award-winning biographer and author of Capturing Camelot: Stanley Tretick s Iconic Images of the Kennedys Monday, December 3, 2:00 p.m. for TICKETS (561) BEComE an a&l member (561) Fee: $15, A&L Gold Members: $10, A&L Platinum Members: Free

5 Boca West Homeowners Association Website Information Log on to All presidents of member villages of BWHA have received a password in order to access the vendors data base on our website. Either your President or a representative of your management company was to pass along this password to you so that you can gain access to our vendors list.; a list of workmen that we have validated as being competent, reliable and competitively priced. We continue to review this list in order to give our members the best recommendations for reliable vendors. You should contact your president or property manager for your password if you have not received it. Access to our vendors list plus our new yellow dot program which could be lifesaving should pose one question for residents of villages that are not members of BWHA, to ask of their president and his board WHY ARE WE NOT A MEMBER OF BWHA? BRING PROPER I.D. WHEN YOU GO TO VOTE Once again the issue of disenfranchisement is in the news. Democrats have criticized Republicans over their demand that voters present an ID in order to vote. Voters are asked to provide valid picture identification with signature The following photo ID will be accepted.: Florida driver`s license, Florida Identification Card issued by the Dept. of Highway Safety and Motor Vehicles, United States Passport, Debit or Credit Card, Military Identification, Student Identification, Retirement center ID, Neighborhood Association ID and Public Assistance ID. If your photo ID does not include your signature you will be asked to provide additional identification. If you do not have the proper identification, you will be provided a provisional ballot. Your provisional ballot will count if the signature on the provisional ballot envelope matches the signature on your voter registration application. You can apply for an absentee ballot, vote at home and avoid any problems at the polling place. As a citizen you have the right to vote but also the responsibility to know what is required. Caveat Emptor Disclaimer Advertisements in the Voice are a service to the Homeowners of Boca West. The Boca West Homeowners Association, Inc. and the Voice assume no liability or implied warranty for products, services or representations.

6 THE CLASSIFIEDS COMPLIMENTARY ADS FOR RESIDENTS ON SALE OR TRADE OF MERCHANDISE ARE ACCEPTABLE FOR SALE: FABULOUS, LIKE NEW KITCHEN/DINING TABLE 48 DIA X 29 H PEDESTAL BASE FINISH - LIMED (HONEY & BEIGE GRAINED) $ SANDRA COMPUTER HELP! REPAIR - UPGRADE - SETUP CARL E. KUMPF 2809 BRIDGEWOOD CIRCLE (561) (31 YEARS IN BOCA WEST) Associate David Pluemer - (561) BOCA WEST HOMEOWNERS ASSOCIATION, INC. BOARD OF DIRECTORS Co-President Co-President Vice-President Treasurer Director Director Director Director/Asst. Editor Office Manager Advertising Manager & Editor of Voice of BW robert Lewis arthur Charwat matt Weisman William Simmons Irving Eisen David Sugarman Bernice Weisman Rose Lee Waner katherine M. Joyce Lewis Allen Sabal Lake Drive Boca Raton, Florida Tel Fax Website: BWHA welcomes input from residents. PHOTOS COURTESY OF ROBERT LEWIS Richard s Car Service Fully Licensed & Insured Palm Beach #VN334 Servicing all airports and cruise ships Cell: BWHA General Meeting Schedule Save The Dates Tuesday, December 11, 2012 Tuesday, January 15, 2013 Tuesday, February 12, 2013 Guest speakers to be announced in future editions of The Voice, on channel 63 and on the BWHA website In addition to our guest speaker, Chairman of the Board of Governors, Phil Kupperman, will be in attendance to bring us up to date on Club projects and operations. Refreshments will be served.

7 11 Proposed Constitutional Amendments The Republican dominated Legislature put a total of 11 constitutional amendments on the Nov. 8 ballot. If approved by 6o% of those voting, they would scale back abortions; allow state aid to religious and parochial schools; and attempt to ban implementation of the health care law in Florida. Five- Amendments 2,4,9, 10 and 11 would give bigger tax breaks to first time homebuyers, seniors living in a home for 25 years or more, surviving spouses of military veterans or first responders, and companies in purchasing equipment. PROPOSED AMENDMENTS Amendment 1: It prohibits laws from compelling any person or employer to purchase, obtain or otherwise for health care coverage Amendment 2: expands homestead exemption for combat disabled veterans to those who were not Florida residents when they entered the military Amendment 3: Replaces the existing state revenue limitation based on personal income growth with a new one based on inflation and population changes. Amendment 4: Multiple property tax changes include a temporary 50% homestead exemption for new homeowners and a 5% cap on annual assessment increases of no homestead property. Amendment 5: Allows the Legislature to repeal court rules by a majority vote rather than the two-thirds vote now required. Amendment 6: Prohibits public funds from paying for any abortion or for health benefits coverage that includes abortion coverage. Provides that the state constitution may not be interpreted to create broader rights to an abortion than those contained in the U. S. Constitution. Amendment 8: Provides that no individual or entity may be denied government funding or other support on the basis of religious identity or belief, except as required by the First Amendment of the U.S. Constitution, and deletes the prohibition against using public funds to aid any church, sect or religious denomination or sectarian institution. Amendment 9: Provides homestead property relief to the surviving spouses of military veterans and first responders who died in the line of duty. Amendment 10: Provides an exemption fro ad-valorem taxes leveled by counties, municipalities, school districts and other governments on tangible property worth more than $25,000 but less than $50,000. Amendment 11: Allows counties and cities to grant a homestead exemption equal to the assessed value of a home if that property ia valued at less than $250,000 and theowner has lived there for at least 25 years, is at least 665 and has a low income as defined by general law. Amendment 12: Replaces the president of the Florida Student Association with the chair of the council of state-university student-body presidents as the student member of the State University System`s Board of Governors. The League of Women Voters and the Sun Sentinel are recommending we vote NO! on all the above listed amendments. We are merely passing this information on to you --- but the League and Sun Sentinel are reputable sources. The choice of how to vote remains with you!

8 Citizens OK s 10% Rate Hike On July 26,2012 Citizens Property Insurance board voted to increase premiums by more than $ 250 million with a statewide average rate hike of 10 percent. Board member killed two controversial proposals to charge new policyholders much higher rates and to reduce coverage for certain water damage to $15,000. Florida`s largest property insurer, with 1.4 million policies are capped at 10% a year by state law, but some premiums may be higher, because the cap does not cover fees for certain backup coverage costs. Personal residential policies would receive a 10.2% statewide average increase, including 10.5% for homeowners and 9.7% for renters. Premiums for most of Citizens` 583,526 homeowners insurance customers in South Florida would increase by about 11% because of surcharges that are not subject to the rate cap. For many, the rate hike will come on top of premium increases in recent years after inspections and revoking discounts for hurricane resistant features. Citizens estimated premiums have increased by $137 million based on inspections done in the past few years. The board voted to provide options for higher non hurricane deductibles of 1,2,and 5% of the coverage value; change sinkhole coverage and increase minimum deductibles for condominium building and businesses from $1000 to $2,500 and offer 5% deductibles for hurricane and other wind or hail coverage. STEP UP AGAINST UNWARRANTED SOLICITATIONS Boca West is a wonderful community and as residents we are very fortunate in many ways. A big advantage is living within a gated complex. There are however some vendors who take advantage of their gate access to distribute advertisements. We`ve found them tucked into our car windows and the doors of our homes. This is a violation of our rules and there is no reason for us to be subjected to these solicitations. If you receive an ad, flyer, business card etc., in this manner please call the security office and file a complaint against the vendor involved. They will contact the vendor and if there are any further violations that company or individual will lose entrance privileges to Boca West. Lets all do everything we can to keep Boca West beautiful. A Big Step To End Drug Pay-For-Delay Deals A long running battle over whether manufactures of brand-name drugs should be able to pay their rivals to keep lower cost generics off the market may be headed to the U.S. Supreme Court. In July, a federal appeals court found pay for delay agreements to be anti-competitive, as drug wholesalers and retailers claimed in a lawsuit. But because three other appeals courts have upheld the deals, the issue is likely to be settled by the nations highest court. The FTC estimates that the deals cost consumers at least $3.5 billion a year.

9 Homes For sale By milton Boverman in Boca West cc Mahogany Bend Completely rebuilt in No expense spared in construction and appliances. This 4,000 sq. ft., 3 bedroom, 5 bath, 2 car garage with private office, family room, living room and dining room is architecturally perfect. It includes an outside kitchen, generator and natural gas. This masterpiece is being offered at $949,000 which is $900,000 below cost. Cedarwood Single family 4 bedroom, 4 bath, 2 car garage home on the water. Expanded with hurricane glass. French doors front and back. Would you like to UPGRADE? Owner would like to DOWNGRADE and SWAP for a MIDRISE, GARDEN APARTMENT or VILLA. Offered at $580,000. Negotiable. Peppertree Magnificent 3 bedroom, 2 bath, 2 car garage home. Totally Renovated. Patio is enclosed and incorporated into the living room and kitchen. Estate Sale. Offered at $419,000. Family is motivated. Bayood Lovely 3 bedroom, 2.5 bath, 2 car garage Townhouse totaling 2,580 sq. ft., with in ground spa. Drastically Reduced to the compelling price of $299,000. The lowest price ever in Baywood. Move in immediately. Furniture is negotiable. The Cove Beautiful 3 bedroom, 2 bath Condo. Vaulted Ceilings, Decorator furnished. Reduced to $159,000. Move-in immediately and enjoy the amenities of Boca West. Pets are welcome. Willow Wood Totally Renovated 2 bedroom, 2 bath, plus den corner apartment. Both patios were enclosed to provide for the den or computer room if preferred. Offered with all new beautiful furniture at $125,000. Motivated seller.

10 UNSUNG HEROINE S GROUP HELPS FUND U.M. CANCER CENTER JoAnne Goldberg, along with her husband Gerry, are long term residents of Boca West. Twelve years ago, she attended a breakfast where a doctor from the Sylvester Center spoke. He was so passionate about his work and the break tthroughs he felt were at hand. But its research needed funding. That was when she knew that the Pap Corps, where 90 % of the money raised goes to research, was where she wanted to volunteer. In May, 2012, she became president of the Pap Corps. She heads the executive board, which oversees and coordinates 55 chapters and 20,000 volunteers in the tri-county area. The board creates joint fundraising events, provides support to the chapters, builds relationships within the communities and allocates funding. Her goal is to exceed in fundraising the $3.4 million, a record, achieved last year. She stated that the Pap Corps is celebrating it s 60th year with a variety of fundraisers. For a $60 donation, for one year, a donor`s name will scroll across the top of Pap Corps website. This upcoming year is The Year of the Man so we have programs with that theme. The one thing that we need in addition to MONEY is VOLUNTEERS of all ages and genders. I have learned not to take good health for granted. Thanks to meeting these amazing doctors, I am truly optimistic that there will be a cure for cancer. Your Full Service contract company Boca WEST BASIC PACKAGE COVERAGE Air Conditioning (including compressor - up to 4 tons) Heating Thermostat/Humidistat Refrigerator Icemaker Oven/Range (includes self-cleaning) Microwave Oven (built-in) Garbage Disposal (replacement -1/2 HP) Plumbing & Electric (2 Baths) Extended Plumbing Dishwasher Washer/Dryer Water Heater (up to 40 gallons) ToTal Basic Package $ AVAIlABlE OPTIONS (954) The Way Service WaS meant To be! Providing quality service and customer satisfaction for 25 years!! cac also sells and installs New air conditioning Systems, Hot Water Heaters and more call for a Free estimate 2nd Air Conditioner (Up to 4 Tons) $50.00 Extra Tonnage ($10.00 per ton) $10.00 Yearly A/C Check-Ups (each) $35.00 Cold Water/Ice Dispenser $10.00 (in refrigerator) Bar Refrigerator & Icemaker $25.00 Trash Compactor $ nd Refrigerator $25.00 Instant Hot $ nd Hot Water Heater $35.00 (Up to 40 gallons) Air Conditioner Replacement $50.00 (each - up to 4 tons) Major Appliance Replacement $50.00 Water Heater Replacement $35.00 (each - up to 40 gallons) No Deductibles Unlimited Service Calls u 2 hr. Time Spans for Regular Service Appointments No All Day Waiting! u 35 Highly Trained Service Technicians u On Call 7 Days / 24 Hours a Day u Serving the Entire Tri-County Area u State Regulated - Licensed & Insured u New Fully Stocked Vans Equipped with Satellite Tracking Devices u Large Parts Department STATE OF FLORIDA LICENSE NO CACO CFC EC

11 Join me, Sandi, for the most outstanding and luxurious travel adventures in Sandi: Pisa Brothers Travel main office: It is almost a year since I joined Pisa Brothers/Worldwide Travel, and it has been magical! Our founder and owner, Ricci Zuckerman, now has 12 agencies coast to coast. Boasting almost $400 million in volume, the company continues to grow. This enables me to offer you more amenities, shipboard credits, and prepaid gratuities on most trips. Special cruises also include a complimentary shore experience exclusive to Virtuoso members. I am featuring four special opportunities to join me on land in the USA, and cruising in ASIA, AFRICA, and the CARIBBEAN next year through Tauck - July 1-8, 2013 from $2890 per person FROM PHOENIX TO LAS VEGAS INCLUDING GRAND CANYON, SEDONA, ZION NATIONAL PARK AND BRYCE NATIONAL PARK July 8-17, 2013 from $3395 per person YELLOWSTONE NATIONAL PARK INCLUDING JACKSON HOLE/GRAND TETONS AND MOUNT RUSHMORE 2 - Regent Seven Seas Navigator - March 8-15, 2013 from $3218 per person WESTERN CARIBBEAN ROUNDTRIP MIAMI Miami Costa Maya Santo Tomas de Castilla Belize City Cozumel Miami $400 Shipboard Credit per suite All-Inclusive Sailing FREE Unlimited Shore Excursions 2 - Seabourn Sojourn - December 7-17, 2013 from $4299 per person CARIBBEAN ROUNDTRIP FT. LAUDERDALE Ft. Lauderdale San Juan St. Barts Antigua Guadeloupe St. Kitts St. John Dominican Republic Ft. Lauderdale Looking Ahead... - Crystal Serenity - BRAND NEW ITINERARY March 7-28, 2014 from $7230 per person Temples & Safari 3-Night Pre-Cruise in Bangkok and Cambodia (Siem Reap and Angkor Wat) Singapore (overnight) Jakarta Mauritius Durban Port Elizabeth Cape Town (overnight) All-Inclusive Sailing: Complimentary Fine Wines & Spirits, Open Bar throughout ship, Eight Dining Options at no additional charge, gratuities included. Virtuoso Host and Amenities Pre- and post-cruise arrangements available. LIMITED SPACE. Pisa Brother can take you anywhere. We deal with all the Cruise Lines and Land Operators. We can arrange Private drivers, guides Call Sandi to make any of these arrangements for you. Sandi Eastman (800)

12 Terre Neuve Corporation (state of the art home renovation) Licensed (CGC014731) and Insured Contractor with Now you see it Now you don t video technology (What is that?) Let us show you how much you can do within your budget with no obligation: *Update bathrooms and kitchens *Hide wires and TV/controls *Create accent lighting *Window treatments *Synergize color schemes *Effective furniture placement *Guaranteed work with a spotless track record Telephone: Ken Flanz (954) or Gil Meyer at (561) *Residents of Boca West CC Please visit our website: Boca West RESIDENT SINCE 1982 Run Errands Grocery shopping, RX pick-up Maid Service Daily, weekly, monthly Limo Service to doctors, airport, and cruises Home Watch Discreet Snowbird Service Perfect Storm All hurricane preparations Good Son concierge requests

13 For Your Information Can a board inspect your home, inside or outside, to make sure your property is up to snuff according to the association? Outside Yes, inside No. During the sales process title companies prepare an estoppel letter, which ensures that the unit is current with its maintenance obligations and advises if any special assessments are imminent. Also many estoppel letters also ask if the property is in violation of association rules so that new owners are not wrongly held responsible for actions of prior owners. Can a condo or HOA board require a down payment from a potential owner or renter? Yes. As long as the requirement is officially included within the community`s declarations, an association is allowed to demand down payment in excess of those required by mortgage lenders. This makes sense because associations are more cognizant that their interest in the property is subordinate to first mortgages, and the smaller the owners equity in the property the greater the likelihood that they may walk away from the property. Being on a Board brings legal risk: Serving on your condominium or HOA board is almost akin to a civic duty, but it comes with a legal risk. Anyone who considers joining a board should understand the heavy burden Florida places on volunteer directors.. Financial stakes are high, which causes more friction between board members and owners, Also there is also the possibility of being sued while on the board. That is why it is important to make sure that your board is covered by adequate liability insurance. Florida law does not require boards to purchase liability insurance, but it holds board directors liable for failure to meet fiduciary duties. Second Turnpike Interchange not planned for Boca: Turnpike officials in 2010 shelved plans for a second Boca Raton interchange because traffic volume has declined at the Glades Road exit. Officials preferred Palmetto Park over Yamato for a second interchange because Palmetto Park is south of Glades and most turnpike traffic in Palm Beach County is headed to and from the south. Also in a few years the Glades Road interchange should see more relief as the toll booths are demolished in a move to collect all tolls electronically. Expect Higher Premiums: A new analysis shows Sociual Security benefits probably won`t keep up with Medicare premiums in the next few years. The Congressional Budget Office forecast Social Security increases of no more tha 1.3% in 2013 and 1.4% for the two years after that, while Medicare Part B premiums are expected to rise next year almost 11% or about $10.60 a month to $ The rising Part B premium would trigger a special hold harmless provision that would adjust premiums so that the increase is no more than the monthly Social Security benefit increase. However there is no such protection against rising Part D drug plans premiums, or those for Medicare Advantage plans.

14 DISTRACTED DRIVING Don`t Be a Statistic! Distracted driving contributes up to 8,000 crashes every day. When you are driving distractions are a constant temptation with potentially dangerous consequences. Distractions stop us from devoting our full time to the most important thing that we are doing - driving. Are you guilty of any of these driver distractions? Cell Phones - When you are talking on a cell phone your mind is engaged in that conversation. It is estimated that using a cell phone while driving (hand held or hand free) increases your chance of crashing by four (4) times. Text Messaging - It is considered a triple threat because it takes your eyes and mind off the road and your hands off the wheel. Outside Distractions - Whether its someone walking the dog, a human billboard pointing the way to a store, or a crash along the roadside, most of us cannot resist the urge to peek, even when we should be concentrating on the road. Reaching For Things In the Car - reaching for something in the car takes you hands off the wheel and your eyes off the road. Take a second to pull over to get what you need. Eating & Drinking - This is no recipe for safe driving. If you are in a rush, stop-grab a quick bite from the drive thru and eat it in the parking lot before getting on the road. Distracting Discussions - Interaction with passengers is another deadly distraction Driving requires your full attention, so stay focused and keep your mind on the road. Remember, that even if you are focused, with your attention on the road, the driver in the vehicle next to you may not be so, so you always have to be aware of others around you. Are your insurance rates on the rise? (IF YES, READ BELOW. IF NO, READ BELOW.) Keystone Insurance Group offers expert advice and customized solutions for our customers. If you re experiencing unexpected changes to your auto, homeowners or commercial policy, call us today and let our agency show you what you ve been missing. Insurance Group, Inc. Proudly Serving South Florida For Over 15 Years. Call us today for a quote or Powerline Rd., Ste 312 Boca Raton, FL Lender

15 TOUR OF BOCA Get on your bicycle for fun and exercise and do the Tour of Boca. Come join the fun with the Tour of Boca rides, sponsored by the Boca Raton Bike Club and the city of Boca Raton recreational services. Tour Boca Raton with a 14 mile, easy paced, police escorted bicycle ride beginning at Patch Reef Park on Yamato Road. There is a rest stop for refreshments midway through the ride. Promote safe cycling while spending the afternoon with family and friends. Children must be at least 10 years old and must be accompanied by an adult if under 14. No baby seats. All riders are required to wear helmets. A limited number will be provided. For those who are unable to complete the ride we also supply a SAG wagon (support vehicle). Call or visit Dates: December 9 January 13 February 10 March 10 Registration Opens at p.m. Registration Fee is $2.00 Ride Starts at 1:00 p.m.

16 LOCKED OUT OF LUCK Find a reputable locksmith before you need one. Each day up to 250,000 Americans make emergency calls to locksmiths. The prevalence of fraudulent locksmiths is a scam that is only growing so says the Association of Locksmiths of America (ALOA) whose 6000 members must pass background checks. Here are some tips to help you protect yourself and your door: First, find a REPUTABLE LOCKSMITH BEFORE YOU NEED ONE. Get references from friend or neighbors, the Better Business Bureau or Log the details into your cell phone. Second, avoid any firm that answers their phone with a generic phrase such as locksmith service rather than with a specific company name. Third, be vary or locksmiths that arrive in unmarked cars or vans. Legitimate locksmiths usually have a van with a company name. Fourth, ask for an ID with name and address (ALOA members carry a membership card and can be vetted at ). Fifth, get written estimate on company letterhead, with mileage charges, minimums and other fees, before work begins. Get a receipt after you pay. Finally, if you`re told that the lock has to be drilled and replaced, find another locksmith. Experienced and legitimate locksmiths can unlock almost any door. Those residents that belong to villages that are a member of BWHA can find a listing of reputable locksmiths in the vendor section on our website. Affordable, Custom Organization for Your Closet, Garage and Home Office Needs Your Life Organized We also do Kitchen Refacing and Pull Outs Wall Unit Conversions - Projection TV to Flat Screen TV (561) 91 NW 45th Ave # 104, Deerfield Beach, FL 33442

17 No Disabled Permit? Don`t Park Illegally! There are a multiple of reasons why you should not park in a handicapped spot without a permit in your name. First and foremost it is illegal. Florida statute makes it unlawful for any person to stop, stand or park a vehicle within any such specially designated and marked parking space unless that vehicle displays a handicapped parking permit or license plate. Too many people believe it is permissible to use someone else`s parking permit, while borrowing that person`s car oe even when driving their own vehicle. That to is illegal unless the handicapped person is with you as a passenger. When a permitted driver parks in a designated spot but forgets his placard, the fine is $250. But id you illegally borrow his placard, not only will you be charged with a second degree misdemeanor, and a $1,000 fine or up to six months in jail, the permit holder could very well lose his parking privileges. This hopefully will deter deter individuals from loaning their permit to family members.. Even if you are running an errand for the disabled person, if he is not present the fine is $1,000. If the law does not inspire you to observe those signs, how about a little compassion. Some people have difficulty getting around so if you can walk the extra distance from a regular parking spot be thankful for the exercise and the ability to do it. Many of those with handicapped permits have enough difficulty getting out of the house, into the car and through the errands of the day. In 2010, 479 were cited each month in Palm Beach County, the last year for statistics are available. Many more take advantage of limited police resources and park illegally. but go uncaught. Handicapped parking privileges are just that, privileges. They are reserved for the few and the deserving. Respect the law and respect your neighbors who are doing their best to maintain their independence. Not thrilled with the municipal bond offerings your broker is recommending? Need another source for quality municipal bond offerings, with access to one of the largest bond inventories? Do you have questions about your current holdings? We ll submit a free, comprehensive report in a binder which may include the issuer s most recent financial disclosures and rating agency reports, along with other information to help you evaluate your bonds credit quality. It s unlikely that all of your bonds are still rated as they were at the time of purchase so let us provide some clarity. You re encouraged to visit or attend a Tax-Free Investing with Municipal Bonds seminar on Thursday, 5:30pm or Saturday 10:30 a.m. to be hosted at our Palm Beach Gardens branch office, adjacent to the Gardens Mall. RSVP to Leatha or Michael Michael Walder, First Vice President, Investment Officer PGA Blvd. Suite #400, Palm Beach Gardens, FL or Income is generally free from federal taxes and state taxes for residents of the issuing state. While the interest income is tax-free, capital gains, if any, will be subject to taxes. Income for some investors may be subject to the federal Alternative Minimum Tax (AMT). In addition to market risk, bonds are subject to default risk and interest rate risk, the risk that the security may decrease in value if interest rates increase. Yields and market value will fluctuate so that your investment, if INVESTMENTS IN SECURITIES AND INSURANCE PRODUCTS: sold prior to maturity, may be worth more or less than its original cost. NOT FDIC-INSURED MAY LOSE VALUE NOT BANK GUARANTEED Investment products and services are offered through Wells Fargo Advisors, LLC. Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors Financial Network, LLC, Members SIPC, non-bank affiliates of Wells Fargo & Company Wells Fargo Advisors. All rights reserved

18 CHANGES TO PERSONAL INJURY PROTECTION (PIP) INSURANCE On July 1, 2012 changes to personal injury protection insurance, the no fault coverage that pays up to $10,000 for injuries suffered in an accident regardless of fault. The system which regulators say is riddled with fraud, will see major reforms that lawmakers, Gov. Scott and CFO Jeff Atwater hope will curb fake accidents and control over-billing health care providers. Many of the changes became law on July 1, 2012 other don`t go into effect until Jan. 1, Under the immediate changes, a crash report must include information about all drivers and passengers. License requirements for clinics are tightened and a new organization, run by Atwater`s office will be formed to combat PIP fraud. The component of the bill that limits payments to $2500 for non emergency treatment does not take effect until Jan.1, 2013, as does a ban on payments for acupuncture and massage therapy. At this point no one, including CFO Atwater know how the group being formed will work. Aside from the fact that the CFO, attorney general and other state officials will make appointments to it from the insurance and medical industries, details still are nit clear. Insurers are required to reduce rates by 10% by Oct. 1, 2012 or explain to the state why that is not feasible. A second deadline of Jan requires a reduction of rates of 25% or an explanation of why that reduction cannot be achieved. One reason insurers are still skeptical about the laws effect on rates is that several unanswered questions remain- one of them being what effect if any Atwater`s fraud fighting group will have. Another is how emergency medicval conditions will be defined. Under the new law, accident victims must see a physician, which could include a chiropractor within 14 days. If they require emergency treatment. A doctor cann bill up to $10,000. If not, doctors can only bill up to $2,500. WEBSITE PUTS SENIORS ON GUARD FOR POTENTIAL SCAMS Last March, under the direction of Chief Financial Officer Jeff Atwater, the Florida Department of Financial Services launched a new website called On Guard ( to educate consumers about financial and insurance issues of interest to older Americans. The new website adds more detail, key questions, terms and definitions, and consumer alerts and a way for seniors to report fraud. The site focuses on topics of interest to seniors, including: fraud, reverse mortgages, long term care, identity theft and consumer alerts, financial planning, retirement seminars, contracts for elder law attorneys, aging and disability resource centers and Social Security resources. Many seniors are concerned about making their savings last, which makes them prone to fraudulent or misleading sales pitches. Be wary of other scams targeting seniors including: The Fake Debt Collector Call. National Sweepstakes Scam, Unclaimed Property Scam, Stranger Originated Life Insurance (STOLI), The Home Security Scam and the Jamaican Lottery Scam. If in doubt visit or call the department`s Consumer Helpline at

19 Be seen by an ER Urgent Care prices! Onsite Lab, Digital X-rays, EKG, Pharmacy URGENT CARE. REDEFINED. At Boca Regional Urgent Care, we re redefining the way patients are treated. At our practice, you ll find a staff of 10 physicians, all board-certified in emergency medicine. We are open seven days a week from 9am to 9pm. Most major insurances accepted Lyons Road, Boca Raton, FL (NW corner of Lyons and Glades, next to Pier One) Call us today or visit

20 Lang Realty is located at Boca West to better serve your real estate needs Located opposite the Village Store Lynne Agran Linda Berger Victor Brett Marjorie Kent Tina Krinsky Barbara Lamborghini Ira Merritt, CIPS Ken Reichle Judy Romanow Norma Schiff, P.A Louise Shure Judy Sontag Belle Waldner Judy Wilchek We are proud to be the Preferred Real Estate Company of Boca West through an exclusive marketing alliance An Independent Affiliate of Lang Diversified Services Boca raton, Florida BOCA WEST IS A PRIVATE MEMBERS ONLY COUNTRY CLUB An Independent Affiliate of Lang Diversified Services

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