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A Parent-Child Conversation About College Costs

Out2News.comIf you’re the parent of a high school student who’s looking ahead to college, it’s important to have a grown-up conversation with your child about college costs. A frank discussion can help both of you get on the same page, optimize the college search process, and avoid getting blindsided by large college bills.

An initial conversation: a, b, and c

As a parent, you need to take the lead in this conversation because most 16-, 17-, and 18-year-olds are not financially experienced enough to drive a $100,000 or $200,000 decision. One approach is to start off saying something like: “We will have saved ‘a’ when it’s time for you to start college, and after that we should be able to contribute ‘b’ each year, and we expect you to contribute ‘c’ each year.” That will give you a baseline of affordability when you start targeting colleges.

A more in-depth conversation: borrow x, pay back y

Once you start looking at colleges, you’ll see that prices vary, sometimes significantly. If a college costs more than a + b + c above, you’ll have to fill the gap. The best way to try and do this is with college grants or scholarships (more on that in a minute). Absent grant aid, you’ll need to consider loans. And here is where you should have a more detailed conversation with your child in which you say: “If you borrow ‘x’ you will need to pay back ‘y’ each month after graduation.” Otherwise, random loan figures probably won’t mean much to a teenager.

You can use an online calculator to show your childexactly what different loan amounts will cost each month over a standard 10-year repayment term. For example, if College 1 will require your child to borrow a total of $16,000 at 5%, that will cost $170 each month for 10 years. If College 2 requires $24,000 in loans, that will cost $255 each month. A loan amount of $36,000 for College 3 will cost $382 per month, and $50,000 for College 4 will cost $530 a month, and so on. The idea is to take an abstract loan amount and translate it into a month-to-month reality.

But don’t stop there. Put that monthly loan payment into a larger context by reminding your child about other financial obligations he or she will have after college, such as a cell phone bill, food, rent, utilities, car insurance. For example, you might say: “If you attend College 3 and have a student loan payment of $382 every month, you’ll also need to budget $40 a month for your phone, $75 for car insurance, $400 for food…” and so on. The goal is to help your child understand the cost of real-world expenses and the long-term financial impact of choosing a more expensive college that will require more loans.

Even with a detailed discussion, though, many teenagers may not be able to grasp how their future lives will be impacted by student loans. Ultimately, it’s up to you — as a parent — to help your child avoid going into too much debt. How much is too much? The answer is different for every family. One frequently stated guideline is for students to borrow no more than what they expect to earn in their first year out of college. But this amount may be too high if assumptions about future earnings don’t pan out.

To build in room for the unexpected, a safer approach might be to borrow no more than the federal government’s Direct Loan limit, which is currently a total of $27,000 for four years of college ($5,500 freshman year, $6,500 sophomore year, and $7,500 junior and senior years). Federal loans are generally preferable to private loans because they come with an income-based repayment option down the road that links a borrower’s monthly payment to earned income if certain requirements are met. Whatever loan amount you settle on as being within your range, before committing to a college, your child should understand the total amount of borrowing required and the resulting monthly payment after graduation. In this way, you and your child can make an informed financial decision.

If there’s any silver lining here, it’s that parents believe their children may get more out of college when they are at least partly responsible for its costs, as opposed to having a blank check mentality. Being on the hook financially, even for just a small amount, may encourage your child to choose courses carefully, hit the books sufficiently, and live more frugally. Later, if you have the resources, you can always help your child repay his or her student loans.

Target the right colleges

To reduce the need to borrow, spend time researching colleges that offer grants to students whose academic profile your child matches. Colleges differ in their aid generosity. You can use a net price calculator — available on every college website — to get an estimate of how much grant aid your child can expect at different colleges. For example, one college may have a sticker price of $62,000 but might routinely offer $30,000 in grant aid, resulting in an out-of-pocket cost of $32,000. Another college might cost $40,000 but offer only $5,000 in grant aid, resulting in a higher $35,000 out-of-pocket cost.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC
Tracking # 1-729559

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

Supervisor of Elections Office Hosts & Sponsor Stuart/Martin County Chamber May Networking Breakfast

Out2News.com

In Photo:Kherri Anderson-Associate, Vicki Davis-Supervisor of Elections,Chamber Chair-Elect- Will Carson – Forward Electric & Air Conditioning,President/CEO Joe Catrambone

This election year, voters are again faced with a clear-cut choice: To cast a vote at the ballot box or at the mailbox? Voting by mail is a tremendous convenience for residents on the Treasure Coast, whether they live here seasonally or year-around. They are located at 135 SE Martin Luther King, Jr, Blvd. in Stuart. Contact them at: 772-288-5637.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Contributing Photographer Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Supervisor of Elections Office Hosts & Sponsor Stuart/Martin County Chamber May Networking Breakfast

Out2News.com

In Photo:Michael Weissing-Merrill Lynch,Mike Peak-Peak Enterprises Commercial Cleaning,Robert ShafferCrary Buchanan Attorneys at Law,Brad Davis-Northwestern Mutual

This election year, voters are again faced with a clear-cut choice: To cast a vote at the ballot box or at the mailbox? Voting by mail is a tremendous convenience for residents on the Treasure Coast, whether they live here seasonally or year-around. They are located at 135 SE Martin Luther King, Jr, Blvd. in Stuart. Contact them at: 772-288-5637.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Contributing Photographer Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Supervisor of Elections Office Hosts & Sponsor Stuart/Martin County Chamber May Networking Breakfast

Out2News.com

In Photo: New Chamber members Nazeera Amiruddin-Care Compassion Services,Sean Dray-Fiorella Insurance Agency,Paul Hamaty-Rand Strategic Solutions

This election year, voters are again faced with a clear-cut choice: To cast a vote at the ballot box or at the mailbox? Voting by mail is a tremendous convenience for residents on the Treasure Coast, whether they live here seasonally or year-around. They are located at 135 SE Martin Luther King, Jr, Blvd. in Stuart. Contact them at: 772-288-5637.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Contributing Photographer Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Supervisor of Elections Office Hosts & Sponsor Stuart/Martin County Chamber May Networking Breakfast

Out2News.com

In Photo: Evelyn Dodd-Veterans Council of Martin County,Suzanne Adams,Christie Donn-The Grace Place

This election year, voters are again faced with a clear-cut choice: To cast a vote at the ballot box or at the mailbox? Voting by mail is a tremendous convenience for residents on the Treasure Coast, whether they live here seasonally or year-around. They are located at 135 SE Martin Luther King, Jr, Blvd. in Stuart. Contact them at: 772-288-5637.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Contributing Photographer Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

STUART/MARTIN COUNTY CHAMBER MAY LUNCHEON SPONSORED BY TYKES & TEENS AT MONARCH COUNTRY CLUB

Out2News.com

In Photo: Ms. Hundt are (from left) Lauren Esposito, Tykes & Teens; WPEC-CBS 12 Meteorologist Michael Ehrenberg; Chamber Chairman-Elect Will Carson, Forward Electric & Air Conditioning and President/CEO Joe Catrambone.

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

STUART/MARTIN COUNTY CHAMBER MAY LUNCHEON SPONSORED BY TYKES & TEENS AT MONARCH COUNTRY CLUB

Out2News.com

In Photo: Chamber Chairman-Elect Will Carson, Forward Electric & Air Conditioning,guest speaker WPEC-CBS 12 Meteorologist Michael Ehrenberg.

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

STUART/MARTIN COUNTY CHAMBER MAY LUNCHEON SPONSORED BY TYKES & TEENS AT MONARCH COUNTRY CLUB

Out2News.com

In Photo: Stuart/Martin County Chamber Chairman-Elect Will Carson, Forward Electric & Air Conditioning,Ambassador of the Month Tom Munhollen, ELB Consulting Group

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

STUART/MARTIN COUNTY CHAMBER MAY LUNCHEON SPONSORED BY TYKES & TEENS AT MONARCH COUNTRY CLUB

Out2News.com

In Photo: New Chamber Events Coordinator Jessica Valby and Chamber President/CEO Joe Catrambone

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

STUART/MARTIN COUNTY CHAMBER MAY LUNCHEON SPONSORED BY TYKES & TEENS AT MONARCH COUNTRY CLUB

Out2News.com

In Photo: Chamber Director and Trustee Elliot Paul, Elliot Paul & Company (left) and Danielle Meloy, Oculina Bank

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

STUART/MARTIN COUNTY CHAMBER MAY LUNCHEON SPONSORED BY TYKES & TEENS AT MONARCH COUNTRY CLUB

Out2News.com

In Photo: Barbara Labounty, The Pension Source; Ellen Pietz, Sonas Home Health Care and Julie Brova, Solaris Healthcare Parkway

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Can You Answer These Social Security Benefit Questions?

Out2News.comMost people will receive Social Security benefits at some point in their lifetimes, but how much do you know about this important source of income? Take this quiz to learn more.
Questions

1. Can you receive retirement and disability benefits from Social Security at the same time?
a. Yes
b. No

2. If your ex-spouse receives benefits based on your earnings record, your benefit will be reduced by how much?
a. Reduced by 30%
b. Reduced by 40%
c. Reduced by 50%
d. Your benefit will not be reduced

3. For each year you wait past your full retirement age to collect Social Security, how much will your retirement benefit increase?
a. 6%
b. 7%
c. 8%

4. Monthly Social Security benefits are required to be paid by which of the following methods?
a. Paper check only
b. Paper check, direct deposit, or debit card
c. Direct deposit or debit card
5. Are Social Security benefits subject to income tax withholding?
a. Yes
b. No

6. Once you’ve begun receiving Social Security retirement benefits, you can withdraw your claim if how much time has elapsed?
a. Less than 12 months since you’ve been receiving benefits
b. Less than 18 months since you’ve been receiving benefits
c. Less than 24 months since you’ve been receiving benefits

Answers
1. b. No. If you receive a disability benefit, it will automatically convert to a retirement benefit once you reach full retirement age.
2. d. Your benefit will not be reduced if your ex-spouse receives Social Security benefits based on your earnings record.
3. c. Starting at full retirement age, you will earn delayed retirement credits that will increase your benefit by 8% per year up to age 70. For example, if your full retirement age is 66, you can earn credits for a maximum of four years. At age 70, your benefit will then be 32% higher than it would have been at full retirement age.
4. c. Since 2013, the Treasury Department has required electronic payment of federal benefits, including Social Security. You can sign up for direct deposit of your benefits into your current bank account or open a low-cost Electronic Transfer Account (ETA) at a participating financial institution. Another option is to sign up for a Direct Express® prepaid debit card. Under this option, your Social Security benefits are deposited directly into your card account, and you can use the card to make purchases, pay expenses, or get cash.
5. b. No. Withholding isn’t mandatory, but you may voluntarily ask the Social Security Administration to withhold federal income tax from your benefits when you apply, or later, if you determine you will owe taxes on your Social Security benefits (not everyone does). You may choose to have 7%, 10%, 15%, or 25% of your benefit payment withheld. Ask a tax professional for help with your situation.
6. a. If something unexpected happens and you’ve been receiving Social Security benefits for less than 12 months after signing up, you can change your mind and withdraw your claim (and reapply at a later date). You’re limited to one withdrawal per lifetime, and there are also financial consequences. You must repay all benefits already paid to you or your family members based on your application (anyone affected must consent in writing to the withdrawal), and repay any money previously withheld, including Medicare premiums or income taxes.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC
Tracking # 1-718154

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

Stuart Corinthian Yacht Club Hosts & Sponsors Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Chamber Chairman Rob Gluckman – Treasure Coast Urgent & Family Care,Steve Kardos, Hal Fraser, Mary Jo Staruch, Mark Carlton, Jan Fraser, Lisa Petty, Bonnie Forrest and Amie Tetrault.

Stuart Corinthian Yacht Club is a member owned Club that was founded in 1988. Our piece of paradise is located in Stuart, Florida and is often referred to as “the sailfish capital of the world.” We are on the Manatee Pocket, just minutes from the St. Lucie Inlet and the Intra-Coastal Waterway. Located at 4725 SE Capstan Avenue in Stuart or call them at: 772-221-1900.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Contributing Photographer Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Stuart Corinthian Yacht Club Hosts & Sponsors Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Bob Voehler – YMCA of the Treasure Coast, Olena Trunina – SF Tax and Mette Biglin – Biglin Photography

Stuart Corinthian Yacht Club is a member owned Club that was founded in 1988. Our piece of paradise is located in Stuart, Florida and is often referred to as “the sailfish capital of the world.” We are on the Manatee Pocket, just minutes from the St. Lucie Inlet and the Intra-Coastal Waterway. Located at 4725 SE Capstan Avenue in Stuart or call them at: 772-221-1900.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Contributing Photographer Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Stuart Corinthian Yacht Club Hosts & Sponsors Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Lynne Howard – Xperience Marketing Solutions,Lesa Yontz FirstLantic Healthcare, Lara Wyatt – Trustco Bank and Paula Chadwick – Edward Jones-Paul Nunley.

Stuart Corinthian Yacht Club is a member owned Club that was founded in 1988. Our piece of paradise is located in Stuart, Florida and is often referred to as “the sailfish capital of the world.” We are on the Manatee Pocket, just minutes from the St. Lucie Inlet and the Intra-Coastal Waterway. Located at 4725 SE Capstan Avenue in Stuart or call them at: 772-221-1900.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Contributing Photographer Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

New Blended Retirement System for Military

Out2News.comBeginning January 1, 2018, the government introduced a new military retirement system that blends a defined benefit annuity with a defined contribution plan through the Thrift Savings Plan. If you enlist on or after January 1, 2018, you’re automatically enrolled in the new Blended Retirement System (BRS). If you are an active servicemember with fewer than 12 years of service as of December 31, 2017, or a National Guard and Reserve servicemember in a paid status who has accrued fewer than 4,320 retirement points as of December 31, 2017, you may opt-in to the BRS, or you can remain in the legacy retirement system. The opt-in window for BRS is from January 1, 2018, to December 31, 2018. If you remain in the legacy retirement system,

New Blended Retirement System for Military

Beginning January 1, 2018, the government introduced a new military retirement system that blends a defined benefit annuity with a defined contribution plan through the Thrift Savings Plan. If you enlist on or after January 1, 2018, you’re automatically enrolled in the new Blended Retirement System (BRS). If you are an active servicemember with fewer than 12 years of service as of December 31, 2017, or a National Guard and Reserve servicemember in a paid status who has accrued fewer than 4,320 retirement points as of December 31, 2017, you may opt-in to the BRS, or you can remain in the legacy retirement system. The opt-in window for BRS is from January 1, 2018, to December 31, 2018. If you remain in the legacy retirement system, your retirement benefits will not change.

Why did the military adopt the BRS?

According to the Department of Defense (DoD), 81% of servicemembers who join the military separate with no government retirement benefit. Under the BRS, about 85% of servicemembers will receive a government retirement benefit if they serve at least two years, even if they don’t qualify for full retirement benefits.

Deciding whether to opt-in to the BRS

The DoD provides a BRS Comparison Calculator that allows you to compare estimated benefits under both the legacy retirement system and the BRS. If you do opt-in to the BRS, you will need to complete the mandatory BRS Opt-In Course on Joint Knowledge online or your service branch’s Learning Management System (if available) and affirmatively opt-in to BRS anytime from January 1, 2018, to December 31, 2018.

Key components of the BRS

Thrift savings plan (TSP). The BRS includes a TSP component. The TSP is a defined contribution retirement savings and investment plan that offers the same types of savings and tax benefits many private corporations offer their employees under 401(k) or similar plans. As a plan participant, you are automatically set up to contribute 3% of your basic pay to your TSP account, unless you opt for a different contribution percentage, or you elect not to contribute any part of your pay. After 60 days of service, the government automatically contributes an amount equal to 1% of your basic pay each month into your TSP retirement account. After two years of service, the government will match servicemember contributions up to an additional 4% (in addition to the 1% automatic government contribution). If you are a servicemember who opts-in to the BRS, the automatic 1% contribution and matching contributions begin the first pay period after opting in — there is no waiting period.

Annuity retirement payment.

Under the BRS, the government is contributing money to your TSP, so the annuity payment available after 20 years of service isn’t as much as it is under the legacy retirement system. The formula for calculating retired pay uses a 2.0% multiplier for each year of service (2.5% under the legacy system), so the annuity payment under the BRS drops to 40%.

Continuation pay.

As a way to encourage continued uniformed service, the BRS includes a continuation pay provision. Continuation pay is a direct cash payout, like a bonus. It is payable between eight and 12 years of completed service. Most servicemembers will be eligible for continuation pay, but the timing and the amount are determined by your service. As an active component servicemember (including Active Guard Reserve or Full Time Support) enrolled in the BRS, you will be eligible for a cash incentive of 2.5 to 13 times your regular monthly basic pay. If you are a reserve component member, you’ll be eligible for 0.5 to 6 times your monthly basic pay (as if serving on active duty). Each service branch will publish guidance related to continuation pay rates. If you accept the payment but do not complete your obligated service time, you may be required to repay a portion or all of the continuation payment.

Lump sum advance payment.

You may choose to receive a portion of your retirement annuity in a lump sum. Ninety days prior to retirement, you may elect to receive either 25% or 50% of the discounted present value of your future retirement annuity payments. The discount rate for the lump sum is determined annually and announced by the DoD on June 1. The percentage is calculated from the date of retirement from the military to Social Security full retirement age, which is between 66 or 67, depending on your date of birth (for most, it will be age 67). This lump sum election is paid out no later than 60 days after retirement in exchange for reduced monthly retirement annuity payments. Monthly retired pay returns to the full amount when you reach your Social Security full retirement age. The lump sum payment is subject to ordinary income taxes, and you may elect to receive the lump sum in up to four equal annual installments. Your retirement benefits will not change.

Why did the military adopt the BRS?

According to the Department of Defense (DoD), 81% of servicemembers who join the military separate with no government retirement benefit. Under the BRS, about 85% of servicemembers will receive a government retirement benefit if they serve at least two years, even if they don’t qualify for full retirement benefits.

Deciding whether to opt-in to the BRS

The DoD provides a BRS Comparison Calculator that allows you to compare estimated benefits under both the legacy retirement system and the BRS. If you do opt-in to the BRS, you will need to complete the mandatory BRS Opt-In Course on Joint Knowledge online or your service branch’s Learning Management System (if available) and affirmatively opt-in to BRS anytime from January 1, 2018, to December 31, 2018.

Key components of the BRS

Thrift savings plan (TSP). The BRS includes a TSP component. The TSP is a defined contribution retirement savings and investment plan that offers the same types of savings and tax benefits many private corporations offer their employees under 401(k) or similar plans. As a plan participant, you are automatically set up to contribute 3% of your basic pay to your TSP account, unless you opt for a different contribution percentage, or you elect not to contribute any part of your pay. After 60 days of service, the government automatically contributes an amount equal to 1% of your basic pay each month into your TSP retirement account. After two years of service, the government will match servicemember contributions up to an additional 4% (in addition to the 1% automatic government contribution). If you are a servicemember who opts-in to the BRS, the automatic 1% contribution and matching contributions begin the first pay period after opting in — there is no waiting period.
Annuity retirement payment. Under the BRS, the government is contributing money to your TSP, so the annuity payment available after 20 years of service isn’t as much as it is under the legacy retirement system. The formula for calculating retired pay uses a 2.0% multiplier for each year of service (2.5% under the legacy system), so the annuity payment under the BRS drops to 40%.

Continuation pay.

As a way to encourage continued uniformed service, the BRS includes a continuation pay provision. Continuation pay is a direct cash payout, like a bonus. It is payable between eight and 12 years of completed service. Most servicemembers will be eligible for continuation pay, but the timing and the amount are determined by your service. As an active component servicemember (including Active Guard Reserve or Full Time Support) enrolled in the BRS, you will be eligible for a cash incentive of 2.5 to 13 times your regular monthly basic pay. If you are a reserve component member, you’ll be eligible for 0.5 to 6 times your monthly basic pay (as if serving on active duty). Each service branch will publish guidance related to continuation pay rates. If you accept the payment but do not complete your obligated service time, you may be required to repay a portion or all of the continuation payment.

Lump sum advance payment.

You may choose to receive a portion of your retirement annuity in a lump sum. Ninety days prior to retirement, you may elect to receive either 25% or 50% of the discounted present value of your future retirement annuity payments. The discount rate for the lump sum is determined annually and announced by the DoD on June 1. The percentage is calculated from the date of retirement from the military to Social Security full retirement age, which is between 66 or 67, depending on your date of birth (for most, it will be age 67). This lump sum election is paid out no later than 60 days after retirement in exchange for reduced monthly retirement annuity payments. Monthly retired pay returns to the full amount when you reach your Social

Security full retirement age.

The lump sum payment is subject to ordinary income taxes, and you may elect to receive the lump sum in up to four equal annual installments.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC
Tracking # 1-700759

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com 

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

In Photo: April “Newbies” Women’s Power Lunch

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at tDolphin Bar and Shrimp House.The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

In Photo: Anne Warner – Waterpoint Realty – Women’s Power Lunch MC

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

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Out2martincounty.com

Dolphin Bar and Shrimp House
Hosts April “Women’s Power Lunch”

Out2News.com

Jensen Beach – The Women’s Power Lunch, connecting powerful women in business at Dolphin Bar and Shrimp House. The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

A women’s business networking group that brings together women in business of all ages, thoughts and interests. They continue to grow in membership and activities. Every holiday they organize and sponsor a Christmas Kidz Party for the children of Hibiscus House and House of Hope and in 2017 added Adopt-A-Family.

Founded in 2000 by Anne Thompson Schafer as the Power Lunch Bunch, Anne grew this unique women only networking group with a team effort Advisory Board that continues to this day.

They invite you to join them the last Thursday of every month for the most enjoyable business networking lunch on the Treasure Coast – AND for women only.

In 2016 they created a quarterly Cocktail Power Hour. Held during Happy Hour, the women invite the guys to attend this casual networking event and promote it via their facebook page.

They meet the last Thursday of every month for lunch, networking and a healthy dose of can do attitude! Together they empower each other to acheive their business goals and offer their support of many worthy community causes and organizations.

Their monthly luncheons offers women a unique opportunity to promote their business, learn from other successful women and guest speakers and have fun networking.

Join them for lunch and you will find out what hundreds of women already know… Women know best how to empower other women.

Their Directory Membership helps support their organization and allow visitors through their site to find you connect with you to do business with you or refer you in the future.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact:

rshall@out2news.com/martincounty

Out2martincounty.com

Out2martincounty.com

 

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Dr. Lisa Grassam-Smith Sponsor for the Palm City Monthly Breakfast

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

While we generally meet people after they’ve lost their health, our commitment is two-fold.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

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Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

George Stokus – Assistant County Administrator Martin County Board of County Commissioners

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Dr. Lisa Grassam-Smith, Commissioner Doug Smith and Staff

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

At Grassam Spine and Wellness their approach is simple. They believe that health is among our most valuable possessions.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com
Out2martincounty.com

Out2martincounty.com

Arthur Rutenberg Homes Hosts & Sponsors Stuart/Martin County Chamber Business After Hours

Out2News.com

In Photo: Casey Caplan, Anabel and Mel Temmel and Lynn Aubuchon hosts and sponsors at Arthur Rutenberg Homes.

Arthur Rutenberg has been a respected name in homebuilding since 1953, when he built his first home upon the four “cornerstones” that would make him legendary: design, craftsmanship, service and responsibility.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

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Out2martincounty.com

Arthur Rutenberg Homes Hosts & Sponsors Stuart/Martin County Chamber Business After Hours

Out2News.com

In Photo: Anne Marie Persaud, Abigail Dufner, Treasure Coast Toyota of Stuart,Greg Gardner, Wide Angle Photography

Arthur Rutenberg has been a respected name in homebuilding since 1953, when he built his first home upon the four “cornerstones” that would make him legendary: design, craftsmanship, service and responsibility.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

https://out2news.com/martincounty/wp-content/uploads/sites/2/2013/02/14-Aug-Colorado-pawn-button.jpg

Out2martincounty.com

Arthur Rutenberg Homes Hosts & Sponsors Stuart/Martin County Chamber Business After Hours

Out2News.com

In Photo: Julie Zygmun – New York Life Insurance, Jeremy Harris – Growth Squad, Amy Morris – Treasure Coast Square,Aileen Fornuto- Advertising Marketing Solutions

Arthur Rutenberg has been a respected name in homebuilding since 1953, when he built his first home upon the four “cornerstones” that would make him legendary: design, craftsmanship, service and responsibility.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Four Points to Consider When Setting a Retirement Income Goal

Out2News.comNo matter what your age or stage of life, targeting a goal for monthly retirement income can seem like a daunting task. Following are four considerations to help you get started.

1. When do you plan to retire?
The first question to ponder is your anticipated retirement age. Many people base their target retirement date on when they’re eligible for full Social Security benefits, and for today’s workers, “full retirement age” ranges from 66 to 67. Other folks hope to retire early, while still others want to work as long as possible. As you think about your anticipated retirement date, keep the following points in mind.
If you plan to retire early, you’ll need significant resources to provide income for potentially decades. You can typically tap your employer-sponsored retirement plan without penalty as early as age 55 if you terminate your employment, but if you try to access IRA assets prior to age 59½, you will be subject to a 10% early withdrawal penalty, unless an exception applies. In both cases, regular income taxes will apply. Also consider that you generally won’t be eligible for Medicare until age 65, so unless you are one of the lucky few who have employer-sponsored retiree medical benefits, health insurance will have to be funded out of pocket.
If you plan to delay retirement, consider that unexpected circumstances could throw a wrench in that plan. In its 2017 Retirement Confidence Survey, the Employee Benefit Research Institute (EBRI) found that current workers plan to retire at a median age of 65, while current retirees reported a median retirement age of 62. And although four in 10 workers plan to work until age 70 or later, just 4% of retirees said this was the case. Why the difference? Nearly half of retirees said they retired earlier than planned, with many reporting unexpected challenges, including their own health concerns or those of a family member.1

2. How long will your retirement last?
The second important consideration, which builds on the first, is how long your retirement might last. Projected life spans have been lengthening in recent decades due in part to advancements in medical care and general health awareness. According to the National Center for Health Statistics (NCHS), a 65-year-old woman can expect to live 20.6 more years, while a 65-year-old man can expect to live 18 more years.2 To estimate your own life expectancy based on your current age and health profile, visit the online longevity calculator created by the Society of Actuaries and American Academy of Actuaries at longevityillustrator.org.

3. What will your expenses look like?
The third consideration is how much you will need to meet your basic living expenses. Although your housing, commuting, and other work-related expenses may decrease in retirement, other costs — including health care — will likely rise.
In 2017, EBRI calculated that Medicare recipients with median prescription drug expenses may need about $265,000 just to pay for basic medical expenses in retirement.3 And that doesn’t even include the potential for long-term care. According to the Department of Health and Human Services (HHS), 52% of people over age 65 will need some form of long-term care during their lifetimes, which could add another $69,000, on average, to the out-of-pocket costs.4
In addition, remember to account for the impact inflation will have on your expenses over time. For example, say you need an estimated $50,000 to cover basic needs in your first year of retirement. Ten years later, at a 3% annual inflation rate (the approximate historical average as measured by the consumer price index), you would need more than $67,000 to cover those same costs.

4. How much can you accumulate?
This is perhaps the most important consideration: How much can you realistically accumulate between now and retirement based on your current savings rate, timeframe, investment portfolio, and lifestyle? Once you project your total accumulation amount based on current circumstances, you can gauge whether you’re on track or falling short. And if you appear to be falling short, you can begin to think about how to refine your strategy, either by altering your plans for retirement (e.g., delaying retirement by a few years), saving more, or investing more aggressively.
1EBRI Issue Brief, March 21, 2017
2NCHS Issue Brief, Number 293, December 2017
3EBRI Notes, January 31, 2017
4HHS, “Long-Term Services and Supports for Older Americans: Risks and Financing Research Brief,” February 2016

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC
Tracking # 1-707565

Out2martincounty.com

Nina Haven Scholarship Sponsors Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Mrs. Etelson,Chamber Chair Elect Will Carson,Past Chairman Janice Norman – Water Point Realty/Norman-Page Team.

Stuart- Nina Haven Scholarships, Inc. gives scholarships to Martin County high school graduates who are continuing their education at a two-year or four-year school. Scholars are eligible to receive up to a $3,500-a-year scholarship and students may receive as much as $14,000 towards their education.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2Martin County.com contributing Photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Nina Haven Scholarship Sponsors Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Bill Hachmeister, The MilCor Group, Inc.,Craig Anderson, C&W Technologies

Stuart- Nina Haven Scholarships, Inc. gives scholarships to Martin County high school graduates who are continuing their education at a two-year or four-year school. Scholars are eligible to receive up to a $3,500-a-year scholarship and students may receive as much as $14,000 towards their education.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2Martin County.com contributing Photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Nina Haven Scholarship Sponsors Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Dona Frederick-Jarvis Property Restoration,Scott Oster – Florida Commercial, Michael Borlaug – Capstone IT

Stuart- Nina Haven Scholarships, Inc. gives scholarships to Martin County high school graduates who are continuing their education at a two-year or four-year school. Scholars are eligible to receive up to a $3,500-a-year scholarship and students may receive as much as $14,000 towards their education.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2Martin County.com contributing Photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Nina Haven Scholarship Sponsors Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Jordan Dawedeit-Island Cotton Company, Barbara Nurenberg-Jon Smith Subs

Stuart- Nina Haven Scholarships, Inc. gives scholarships to Martin County high school graduates who are continuing their education at a two-year or four-year school. Scholars are eligible to receive up to a $3,500-a-year scholarship and students may receive as much as $14,000 towards their education.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2Martin County.com contributing Photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Nina Haven Scholarship Sponsors Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Candace Lopes-Skin Serenity Spa,Melissa Conrad-Atlantic Shores Realty,Mark Sandler-Painting with a Twist

Stuart- Nina Haven Scholarships, Inc. gives scholarships to Martin County high school graduates who are continuing their education at a two-year or four-year school. Scholars are eligible to receive up to a $3,500-a-year scholarship and students may receive as much as $14,000 towards their education.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2Martin County.com contributing Photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Dividend Investing: Small Payments Can Boost Returns
Out2News.com

Out2News.comOwning shares of stock or stock funds might increase the value of your portfolio in one of two fundamental ways: capital appreciation (i.e., price increases) and dividend payments. Of the two, capital appreciation carries the greatest potential for return, but it also carries the greatest potential for loss. And any gains or losses are only reaped when you sell your shares.
By contrast, dividends typically offer more consistent modest returns that are paid while you hold your shares. For this reason, dividends have long been popular with retirees and others who are looking for regular income. But focusing on dividends can be appropriate for almost any investor, especially if dividends are reinvested to purchase additional shares. Although reinvesting dividends from individual stocks may not be cost-effective, mutual funds and exchange-traded funds (ETFs) generally offer an option to reinvest dividends and/or capital gains.

Growth and volatility
In general, more established companies tend to pay dividends, and these companies may not have as much growth potential as newer companies that plow all of their earnings back into the company. Even so, dividends can boost total return. A 2015 study found that dividends had accounted for about one-third of the total return of the S&P 500 index since 1956, with the other two-thirds from capital appreciation. In the fourth quarter of 2017, more than 80% of S&P 500 stocks paid a dividend with an average yield of 1.87% for the index as a whole and 2.24% for dividend-paying stocks. Many mid-size and smaller companies also paid dividends.1
Because dividends are by definition a positive return, even during a down market, dividend-paying stocks may be less volatile than non-dividend payers. However, dividend stocks tend to be more sensitive to rising interest rates; investors looking for income may move away from stocks if less risky fixed-income investments offer comparable yields.

Quarterly payments
Dividends are typically paid quarterly in the form of cash or stock. The amount is set by the company’s board of directors and can be changed at any time. Dividends can be expressed as the dollar amount paid on each share or as yield — the annual dividend income per share divided by the current market price. When the share price falls, the yield rises (assuming dividend payments remain the same), enabling investors who reinvest their dividends to buy more shares that have the potential to grow as market performance improves.
Investing in dividends is a long-term commitment. In exchange for less volatility and more stable returns, investors should be prepared for periods where dividend payers drag down rather than boost an equity portfolio. The amount of a company’s dividend can fluctuate with earnings, which are influenced by economic, market, and political events. Dividends are typically not guaranteed and could be changed or eliminated.
The return and principal value of all investments fluctuate with changes in market conditions. Shares, when sold, may be worth more or less than their original cost. Supply and demand for ETF shares may cause them to trade at a premium or a discount relative to the value of the underlying shares.
Mutual funds and ETFs are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
1S&P Dow Jones Indices, 2015, 2018

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC
Tracking # 1-718154

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

Stuart Diner Hosts April Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Leslie, Justin, Ben, Jen, Ashley, Chef Josh,Chamber Chairman Rob Gluckman-T.C. Urgent & Family Care

Stuart-On April 3 the staff of Stuart diner hosted the April Stuart/Martin County Chamber Breakfast. Located in the Publix Shopping Center on SE Federal Highway. They offer amazing daily specials for both breakfast and lunch. They want to make sure that you leave happy, full and ready to come back tomorrow.

It is their goal to provide the amazing people of Stuart and the surrounding areas with the best, most reasonably priced breakfast and lunch.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Their members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath -Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Stuart Diner Hosts April Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Chaz Russell – Gratitude Steel Band, Chamber Ambassador Christina Eisenberg -The Cabinet Gallery

Stuart-On April 3 the staff of Stuart diner hosted the April Stuart/Martin County Chamber Breakfast. Located in the Publix Shopping Center on SE Federal Highway. They offer amazing daily specials for both breakfast and lunch. They want to make sure that you leave happy, full and ready to come back tomorrow.

It is their goal to provide the amazing people of Stuart and the surrounding areas with the best, most reasonably priced breakfast and lunch.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Their members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath -Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Stuart Diner Hosts April Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Chris Marrano-Blue Water Marketing,New Chamber member Denise Mendocha-Keller Williams Treasure Coast Realty,Cory Rubal-Caler, Donten, Levine, Cohen, Porter & Veil, P.A.

Stuart-On April 3 the staff of Stuart diner hosted the April Stuart/Martin County Chamber Breakfast. Located in the Publix Shopping Center on SE Federal Highway. They offer amazing daily specials for both breakfast and lunch. They want to make sure that you leave happy, full and ready to come back tomorrow.

It is their goal to provide the amazing people of Stuart and the surrounding areas with the best, most reasonably priced breakfast and lunch.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Their members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath -Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Stuart Diner Hosts April Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Amy Bromhead-Alzheimer’s Community Care,Chamber Trustee Cathleen Owen-Loving Chiropractic of Stuart,Jami Moss-Painting with a Twist,Michelle Golinski-Your Blossoming Mind

Stuart-On April 3 the staff of Stuart diner hosted the April Stuart/Martin County Chamber Breakfast. Located in the Publix Shopping Center on SE Federal Highway. They offer amazing daily specials for both breakfast and lunch. They want to make sure that you leave happy, full and ready to come back tomorrow.

It is their goal to provide the amazing people of Stuart and the surrounding areas with the best, most reasonably priced breakfast and lunch.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Their members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath -Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Stuart Diner Hosts April Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Paula Chadwick-Edward Jones/Paul Nunley,New Chamber member Cay Batchelor-Impact DeSigns, Sign & Graphic Works

Stuart-On April 3 the staff of Stuart diner hosted the April Stuart/Martin County Chamber Breakfast. Located in the Publix Shopping Center on SE Federal Highway. They offer amazing daily specials for both breakfast and lunch. They want to make sure that you leave happy, full and ready to come back tomorrow.

It is their goal to provide the amazing people of Stuart and the surrounding areas with the best, most reasonably priced breakfast and lunch.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Their members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath -Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Will a Government Pension Reduce my Social Security Benefits?

Out2News.comIf you earned a government pension from a job not subject to Social Security tax withholding (“noncovered employment”) and are also eligible for Social Security benefits through a job where Social Security taxes were withheld, two provisions might reduce your benefits: the windfall elimination provision (WEP) and the government pension offset (GPO).

The WEP affects how a worker’s Social Security benefit is calculated. If you’re subject to the WEP, your benefit is calculated using a modified formula, possibly resulting in a benefit reduction. The amount of the reduction depends on the year you turn 62 and the number of years in which you had substantial earnings and paid into Social Security (no reduction applies to those with 30 years or more of substantial earnings). The reduction cannot be more than one-half of your pension from noncovered employment. Spousal and dependent benefits may also be reduced, but not survivor benefits.

The GPO may affect spousal or survivor benefits if the spouse or survivor earned a government pension from noncovered employment. In this case, the GPO may reduce Social Security benefits by up to two-thirds of the amount of the pension.

For example, if you receive a $900 monthly government pension and are eligible for a $1,000 monthly Social Security spousal benefit, you would receive only $400 per month from Social Security [$1,000 minus $600 (2/3 times $900) equals $400]. You would still receive your $900 pension, so your combined benefit would be $1,300.

Not all government employees are subject to these provisions. For example, federal employees under the Federal Employees Retirement System are exempt because they pay Social Security taxes on earnings. However, public-sector employees in some states do not pay Social Security taxes, and thus could be subject to the WEP. The GPO affects pensions from noncovered federal, state, or local government employment.

Rules and calculations for the WEP and the GPO are complex. Visit the Social Security website, ssa.gov, for more information.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC
Tracking # 1-700759

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

Grace Place Hosts & Sponsor Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Mike Kirkhart, David Cantrell, Christy Donn, Peggy Miller, Lorraine Johnson, Eric Addison, Lisa Emig, Pastor Rick and Karon Addison, Stephanie Johnston, Nate Aills, Teresa Inchierchiere, Craig Wilson, Chaz Russell, Grace Place Dennis Ives and Chamber Chairman Rob Gluckman – T.C. Urgent & Family Care.

Stuart -The Grace Place has a strong vibrant community of believers that meets for powerful

worship and teaching on the weekends. They offer a great deal more than the weekends for your family.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart Martin County Chamber of Commerce – Out2News/Out2Martin County.com Contributing Photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Grace Place Hosts & Sponsor Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Karen Reeves-Express Employment Professionals, Host and Sponsors Karon and Pastor Rick Addison – Grace Place

Stuart -The Grace Place has a strong vibrant community of believers that meets for powerful worship and teaching on the weekends. They offer a great deal more than the weekends for your family.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart Martin County Chamber of Commerce – Out2News/Out2Martin County.com Contributing Photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Grace Place Hosts & Sponsor Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Veterinarian Amy Porter-Forte Animal Hospital and new employee Jessica

Stuart -The Grace Place has a strong vibrant community of believers that meets for powerful worship and teaching on the weekends. They offer a great deal more than the weekends for your family.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart Martin County Chamber of Commerce – Out2News/Out2Martin County.com Contributing Photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Grace Place Hosts & Sponsor Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Amy Whitlach-Thrivent Financial and husband Robert Whitlach

Stuart -The Grace Place has a strong vibrant community of believers that meets for powerful worship and teaching on the weekends. They offer a great deal more than the weekends for your family.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart Martin County Chamber of Commerce – Out2News/Out2Martin County.com Contributing Photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Palm City Chamber Monthly Breakfast

Out2News.com

Palm City – In the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal golf course at Monarch Country Club. Enhancing the natural beauty of the Club’s ideal location are its exceptional amenities and gracious service.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Is a Nursing Home the Only Option for Long-term Care?

Out2News.comIf you or a loved one needs long-term care, other choices besides nursing home care may be available. Here are some of the other options.

Home care

Most people would prefer to stay in their homes as long as possible. Depending on your needs, you may only need help with some common daily living activities such as laundry, shopping, cooking, and cleaning. First, talk to your family to see if they can help with your needs. There are probably home health-care agencies that can assist you with some of these chores.

Accessory dwelling units

If you or a loved one owns a single-family home, adding an accessory dwelling unit (ADU) to that home may help you keep your independence while getting some help with your daily activities. An ADU, or “in-law apartment,” usually provides a separate living space with a sleeping area, a place to cook, and a bathroom. Check with your local zoning office to be sure ADUs are allowed in your area. Also, the cost of adding an ADU can vary widely, depending on the size of the unit and the cost for materials and labor.

Subsidized senior housing

There are federal and state programs that help pay for housing for some older people with low to moderate incomes. Some of these housing programs also offer help with meals and other activities like housekeeping, shopping, and laundry. Residents usually live in their own apartments in the complex. Rent payments are usually a percentage of your income.

Assisted-living facilities

These facilities generally provide more services than offered in subsidized senior housing. You may receive help with bathing, dressing, using the bathroom, taking your medications, and getting to appointments. Residents often live in an apartment and may share meals in a common dining room. Social and recreational activities are usually provided. Some of these facilities have health services on site.

A nursing home may not be your only choice. Discharge planners and social workers in hospitals and home health agencies can explain your options and help arrange your care.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

Tracking # 1-683603

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

 

 

Johnson Honda of Stuart Hosts Stuart/Martin County Chamber March Business After Hours

Out2News.com

Chamber President/CEO Joe Catrambone; Carol Payne, Mario Castillo, Karen Biggs, Diane Woodruff and Richard King, Johnson Honda and Chamber Chairman-Elect Will Carson, Forward Electric & Air Conditioning.

Stuart -Johnson Honda of Stuart, Honda-Certified technicians are there to provide exceptional service in a timely manner. From oil changes to transmission replacements, they are dedicated to maintaining top tier customer service for both new and pre-owned drivers!

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart Martin County Chamber -Out2News/Out2martincounty.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Johnson Honda of Stuart Hosts Stuart/Martin County Chamber March Business After Hours

Out2News.com

Sue Kinane – Kinane Corp. Commercial Printing Ashley Dib – Madigan Family Health Center and Chamber Trustee Cathleen Owen – Loving Chiropractic of Stuart

Stuart -Johnson Honda of Stuart, Honda-Certified technicians are there to provide exceptional service in a timely manner. From oil changes to transmission replacements, they are dedicated to maintaining top tier customer service for both new and pre-owned drivers!

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart Martin County Chamber -Out2News/Out2martincounty.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Johnson Honda of Stuart Hosts Stuart/Martin County Chamber March Business After Hours

Out2News.com

Cheree Ramirez -Premier Jet Training and Robert Pena -Florida Medical Hearing Centers

Stuart -Johnson Honda of Stuart, Honda-Certified technicians are there to provide exceptional service in a timely manner. From oil changes to transmission replacements, they are dedicated to maintaining top tier customer service for both new and pre-owned drivers!

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart Martin County Chamber -Out2News/Out2martincounty.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Johnson Honda of Stuart Hosts Stuart/Martin County Chamber March Business After Hours

Out2News.com

Bruce Gaul -Advanced Safe & Lock, Erik Ugi -Farm Bureau Insurance, Ron Burns – Group One Safety & Security and Stephen Schirad – Farm Bureau Insurance.

Stuart -Johnson Honda of Stuart, Honda-Certified technicians are there to provide exceptional service in a timely manner. From oil changes to transmission replacements, they are dedicated to maintaining top tier customer service for both new and pre-owned drivers!

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart Martin County Chamber -Out2News/Out2martincounty.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Johnson Honda of Stuart Hosts Stuart/Martin County Chamber March Business After Hours

Out2News.com

Rozanne Brown – CareBag, Inc. and Karen Reeves – Express Employment Professionals

Stuart -Johnson Honda of Stuart, Honda-Certified technicians are there to provide exceptional service in a timely manner. From oil changes to transmission replacements, they are dedicated to maintaining top tier customer service for both new and pre-owned drivers!

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart Martin County Chamber -Out2News/Out2martincounty.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Coquina Cove and Sailfish Plumbing Hosts Palm City Chamber of Commerce March Luncheon

Out2News.com

In Photo: Alan Rose – Principal of Coquine Cove and Staff

Palm City – On Thursday, March 22 Coquine Cove and Sailfish joined together to host a Palm City Chamber luncheon.

Coquina Cove is a 32-acre tropical paradise is privately owned, and professionally managed by South Sands Management. They are located at 3641 SW Coquina Cove Way in Palm City.

Also hosting the luncheon was Sailfish Plumbing, LLC. The combined years of knowledge and experience make it possible for Sailfish Plumbing to tackle any plumbing problems that may arise. They can service residential, commercial and industrial. No problem is too big or too small.For more information please call them at 772-678-1444.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Coquina Cove and Sailfish Plumbing Hosts Palm City Chamber of Commerce March Luncheon

Out2News.com

Palm City – On Thursday, March 22 Conquine Cove and Sailfish joined together to host a Palm City Chamber luncheon.

Conquina Cove is a 32-acre tropical paradise is privately owned, and professionally managed by South Sands Management. They are located at 3641 SW Coquina Cove Way in Palm City.

Also hosting the luncheon was Sailfish Plumbing, LLC. The combined years of knowledge and experience make it possible for Sailfish Plumbing to tackle any plumbing problems that may arise. They can service residential, commercial and industrial. No problem is too big or too small.For more information please call them at 772-678-1444.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Coquina Cove and Sailfish Plumbing Hosts Palm City Chamber of Commerce March Luncheon

Out2News.com

Palm City – On Thursday, March 22 Conquine Cove and Sailfish joined together to host a Palm City Chamber luncheon.

Conquina Cove is a 32-acre tropical paradise is privately owned, and professionally managed by South Sands Management. They are located at 3641 SW Coquina Cove Way in Palm City.

Also hosting the luncheon was Sailfish Plumbing, LLC. The combined years of knowledge and experience make it possible for Sailfish Plumbing to tackle any plumbing problems that may arise. They can service residential, commercial and industrial. No problem is too big or too small.For more information please call them at 772-678-1444.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Coquina Cove and Sailfish Plumbing Hosts Palm City Chamber of Commerce March Luncheon

Out2News.com

Palm City – On Thursday, March 22 Conquine Cove and Sailfish joined together to host a Palm City Chamber luncheon.

Conquina Cove is a 32-acre tropical paradise is privately owned, and professionally managed by South Sands Management. They are located at 3641 SW Coquina Cove Way in Palm City.

Also hosting the luncheon was Sailfish Plumbing, LLC. The combined years of knowledge and experience make it possible for Sailfish Plumbing to tackle any plumbing problems that may arise. They can service residential, commercial and industrial. No problem is too big or too small.For more information please call them at 772-678-1444.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Coquina Cove and Sailfish Plumbing Hosts Palm City Chamber of Commerce March Luncheon

Out2News.com

Palm City – On Thursday, March 22 Conquine Cove and Sailfish joined together to host a Palm City Chamber luncheon.

Conquina Cove is a 32-acre tropical paradise is privately owned, and professionally managed by South Sands Management. They are located at 3641 SW Coquina Cove Way in Palm City.

Also hosting the luncheon was Sailfish Plumbing, LLC. The combined years of knowledge and experience make it possible for Sailfish Plumbing to tackle any plumbing problems that may arise. They can service residential, commercial and industrial. No problem is too big or too small.For more information please call them at 772-678-1444.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Coquina Cove and Sailfish Plumbing Hosts Palm City Chamber of Commerce March Luncheon

Out2News.com

Palm City – On Thursday, March 22 Conquine Cove and Sailfish joined together to host a Palm City Chamber luncheon.

Conquina Cove is a 32-acre tropical paradise is privately owned, and professionally managed by South Sands Management. They are located at 3641 SW Coquina Cove Way in Palm City.

Also hosting the luncheon was Sailfish Plumbing, LLC. The combined years of knowledge and experience make it possible for Sailfish Plumbing to tackle any plumbing problems that may arise. They can service residential, commercial and industrial. No problem is too big or too small.For more information please call them at 772-678-1444.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Coquina Cove and Sailfish Plumbing Hosts Palm City Chamber of Commerce March Luncheon

Out2News.com

Palm City – On Thursday, March 22 Conquine Cove and Sailfish joined together to host a Palm City Chamber luncheon.

Conquina Cove is a 32-acre tropical paradise is privately owned, and professionally managed by South Sands Management. They are located at 3641 SW Coquina Cove Way in Palm City.

Also hosting the luncheon was Sailfish Plumbing, LLC. The combined years of knowledge and experience make it possible for Sailfish Plumbing to tackle any plumbing problems that may arise. They can service residential, commercial and industrial. No problem is too big or too small.For more information please call them at 772-678-1444.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Coquina Cove and Sailfish Plumbing Hosts Palm City Chamber of Commerce March Luncheon

Out2News.com

Palm City – On Thursday, March 22 Conquine Cove and Sailfish joined together to host a Palm City Chamber luncheon.

Conquina Cove is a 32-acre tropical paradise is privately owned, and professionally managed by South Sands Management. They are located at 3641 SW Coquina Cove Way in Palm City.

Also hosting the luncheon was Sailfish Plumbing, LLC. The combined years of knowledge and experience make it possible for Sailfish Plumbing to tackle any plumbing problems that may arise. They can service residential, commercial and industrial. No problem is too big or too small.For more information please call them at 772-678-1444.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Habitat For Humanity Hosts Stuart/Martin County Chamber March Business Luncheon

Out2News.com

In Photo: Margot Graff, Executive Director of Habitat For Humanity,Chamber Chairman Rob Gluckman, Treasure Coast Urgent & Family Care and Habitat board members Dan Brady, Water Pointe Realty Group and Dr. Brian Moriarty, Loving Chiropractic of Stuart.

Stuart -Habitat for Humanity partners with people in your community, and all over the world, to help them build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Habitat For Humanity Hosts Stuart/Martin County Chamber March Business Luncheon

Out2News.com

In Photo: Tom Munhollen, ELB Consulting, Inc. Ambassador of the Month and Chairman Rob Gluckman, Treasure Coast Urgent & Family Care at the Stuart/Martin County Chamber’s March Networking Luncheon, sponsored by Habitat For Humanity at The Yacht & Country Club.

Stuart -Habitat for Humanity partners with people in your community, and all over the world, to help them build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Habitat For Humanity Hosts Stuart/Martin County Chamber March Business Luncheon

Out2News.com

In Photo: Martin County Commission candidate Dan Crow, Past Chamber Chairman Jody Bond, Just Gold Jewelers.

Stuart -Habitat for Humanity partners with people in your community, and all over the world, to help them build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Habitat For Humanity Hosts Stuart/Martin County Chamber March Business Luncheon

Out2News.com

In Photo: Nancy Misskelley, Mortgage Specialists and Liz Elliott, Waterfront Properties

Stuart -Habitat for Humanity partners with people in your community, and all over the world, to help them build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Habitat For Humanity Hosts Stuart/Martin County Chamber March Business Luncheon

Out2News.com

In Photo: Cheryl Muench, Gateway Filter Sales and Ron Burns, Group One Safety & Security

Stuart -Habitat for Humanity partners with people in your community, and all over the world, to help them build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Habitat For Humanity Hosts Stuart/Martin County Chamber March Business Luncheon

Out2News.com

In Photo: Chamber Trustee Leslie Warren, Seacoast Bank and Scott Sade, The Sade Group

Stuart -Habitat for Humanity partners with people in your community, and all over the world, to help them build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Four Tips for Downsizing in Retirement

Out2News.comGoing through years of accumulated possessions and memories is probably not how you envisioned spending part of your retirement. It may sound like a daunting and emotionally draining task, but downsizing could be a savvy financial move, especially if you haven’t reached your retirement savings goals.

1. Set goals for downsizing
Before you make any decisions, think about why you might want to downsize in the first place. Is it because you want to save on mortgage payments or other monthly expenses? Or are you looking to free up some cash to help pursue your lifestyle goals in retirement?
No matter what your specific goals may be, understanding the connection between them and downsizing can help motivate you to follow through with it.

2. Determine the best time to downsize
It’s said that timing is everything, so choosing when to downsize will be an important decision to make. One benefit of downsizing early in retirement is that mortgage payments and other related expenses (such as utilities and real estate taxes) could decrease, presuming that you are downsizing to a less expensive residence. This could mean you have extra funds to pursue new hobbies and activities right away in retirement. You might even be fortunate enough to have sufficient funds from the sale of a larger home to pay for a smaller home with cash, thus eliminating or decreasing your mortgage payment, or significantly increasing cash flow.
But there may be advantages to delaying downsizing. If you wait to do it later in retirement, you might have a better sense of just how much you need to downsize to support your current lifestyle. Plus, timing your downsizing plans with a stronger real estate market could mean that you sell and/or purchase a new home at a more opportune time.

3. Be realistic about costs
There are several costs to think about if you are downsizing your home: the worth of your current home, the cost of a new home, and the fees and expenses associated with relocating. Before you start boxing up your belongings, run the numbers. Start by contacting local real estate agents to receive estimates of your home’s value. Compare the estimates so you can develop an idea of how much you might be able to get for your home. Research online to see what homes in your neighborhood have sold for recently — this can also help you determine your home’s potential selling price.
Take similar steps when you look for your new home. One option that might be available is to rent a new house or apartment for a length of time before buying it. That way, you’ll learn whether the home and the location suit you, helping you avoid buyer’s remorse.
If you’re buying a new home, don’t forget to account for the down payment, home inspection, closing costs, and other associated charges. Factoring all of the numbers into the equation may reveal whether downsizing makes the most sense for you and your financial situation.

4. Consider downsizing your belongings, not just your home
For some people, downsizing might simply mean cutting down on clutter rather than relocating. It’s easier said than done, particularly if you’ve amassed many belongings over time. When purging your home, consider the following:
• Take your time. Don’t feel pressured to clear out your entire home in one fell swoop. Instead, make a plan to do one room or section of your home at a time.
• Involve your children. If you have kids, consider asking them for their help. Many hands make light work, and your children may end up expressing interest in items they would like to have.
• Sell valuables. Maybe you can’t find a new home for that antique necklace you never wear or the rare baseball cards collecting dust in your attic. Consider having those items appraised and selling them to an auction house or online. Depending on how many items you’re selling and their worth, you could wind up with quite a bit of money that you can use to help cushion your retirement fund.
• Donate gently used items. Find out if there are any local organizations in your community that could benefit from furniture, clothing, or any other possessions in good condition that you want to get rid of. Some donation outlets may even offer free pickup of certain items, saving you time and hassle.
• Clear out junk. Chances are you’ve accumulated items that you simply won’t be able to give away or sell. Discard belongings that serve no purpose other than taking up space in your home. You might be surprised by how much room you could free up.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC
Tracking # 1-700759

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

European Kitchen & Bath Hosts & Sponsors Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: European Kitchen & Bath – Jennifer McConnell, DeeDee Champion, Jon Campion,Tyler Raynes,Chamber Chairman Rob Gluckman – Treasure Coast Urgent & Family Care.

Stuart – Peggy and Dick Campion started EKB in 1992 as a hobby when finally “retiring” at 65 years of age. The original store in Stuart, FL gave them something to do other than fish or play golf. Originally selling sinks and faucets from Blanco and Franke discontinued inventories, EKB grew into current products and added a bath department approximately 10 years later.
This family owned business owned since 2003 by Jon Campion and his wife Dee Dee, has successfully been a contributor to the local communities it is located in and continue to give back when opportunity presents itself. Satisfying customers for 24 years requires a lot of attention. European Kitchen & Bath continues to give excellent detail to customer service, quality products and value throughout our organization.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2Martin County.com contributing photographer.

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

European Kitchen & Bath Hosts & Sponsors Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Jon and DeeDee Campion, Owners of European Kitchen & Bath

Stuart – Peggy and Dick Campion started EKB in 1992 as a hobby when finally “retiring” at 65 years of age. The original store in Stuart, FL gave them something to do other than fish or play golf. Originally selling sinks and faucets from Blanco and Franke discontinued inventories, EKB grew into current products and added a bath department approximately 10 years later.
This family owned business owned since 2003 by Jon Campion and his wife Dee Dee, has successfully been a contributor to the local communities it is located in and continue to give back when opportunity presents itself. Satisfying customers for 24 years requires a lot of attention. European Kitchen & Bath continues to give excellent detail to customer service, quality products and value throughout our organization.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2Martin County.com contributing photographer.

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

European Kitchen & Bath Hosts & Sponsors Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Linda Oliver – Owner of Harbour Bay Florist,Gary Owen – Owen Insurance Group

Stuart – Peggy and Dick Campion started EKB in 1992 as a hobby when finally “retiring” at 65 years of age. The original store in Stuart, FL gave them something to do other than fish or play golf. Originally selling sinks and faucets from Blanco and Franke discontinued inventories, EKB grew into current products and added a bath department approximately 10 years later.
This family owned business owned since 2003 by Jon Campion and his wife Dee Dee, has successfully been a contributor to the local communities it is located in and continue to give back when opportunity presents itself. Satisfying customers for 24 years requires a lot of attention. European Kitchen & Bath continues to give excellent detail to customer service, quality products and value throughout our organization.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Dick Hall Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Out2News.com

Out2martincounty.com

European Kitchen & Bath Hosts & Sponsors Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Elizabeth Ragland – Elements Massage,Justin Madigan,DC – Madigan Family Health Center

Stuart – Peggy and Dick Campion started EKB in 1992 as a hobby when finally “retiring” at 65 years of age. The original store in Stuart, FL gave them something to do other than fish or play golf. Originally selling sinks and faucets from Blanco and Franke discontinued inventories, EKB grew into current products and added a bath department approximately 10 years later.
This family owned business owned since 2003 by Jon Campion and his wife Dee Dee, has successfully been a contributor to the local communities it is located in and continue to give back when opportunity presents itself. Satisfying customers for 24 years requires a lot of attention. European Kitchen & Bath continues to give excellent detail to customer service, quality products and value throughout our organization.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Dick Hall Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Out2News.com

Out2martincounty.com

European Kitchen & Bath Hosts & Sponsors Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Aaron Braunstein – Alpine Brokerage and Financial Advisor -Clifford Mandody, UBS.

Stuart – Peggy and Dick Campion started EKB in 1992 as a hobby when finally “retiring” at 65 years of age. The original store in Stuart, FL gave them something to do other than fish or play golf. Originally selling sinks and faucets from Blanco and Franke discontinued inventories, EKB grew into current products and added a bath department approximately 10 years later.
This family owned business owned since 2003 by Jon Campion and his wife Dee Dee, has successfully been a contributor to the local communities it is located in and continue to give back when opportunity presents itself. Satisfying customers for 24 years requires a lot of attention. European Kitchen & Bath continues to give excellent detail to customer service, quality products and value throughout our organization.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Dick Hall Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Out2News.com

Out2martincounty.com

European Kitchen & Bath Hosts & Sponsors Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Chamber Trustee Randy Pennington, CenterState Bank and Jami Moss, Painting with a Twist

Stuart – Peggy and Dick Campion started EKB in 1992 as a hobby when finally “retiring” at 65 years of age. The original store in Stuart, FL gave them something to do other than fish or play golf. Originally selling sinks and faucets from Blanco and Franke discontinued inventories, EKB grew into current products and added a bath department approximately 10 years later.
This family owned business owned since 2003 by Jon Campion and his wife Dee Dee, has successfully been a contributor to the local communities it is located in and continue to give back when opportunity presents itself. Satisfying customers for 24 years requires a lot of attention. European Kitchen & Bath continues to give excellent detail to customer service, quality products and value throughout our organization.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Dick Hall Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

Out2News.com

Out2martincounty.com

Business Owners: Should You Consider a Wellness Program for Your Employees?

Out2News.comAre employer wellness programs worth the investment? A review of some of the key studies examining the topic seems to indicate that such programs may indeed bring a variety of organizational benefits, depending on overall objectives and program design. Focusing only on return on investment (ROI) results, however, could provide too narrow a view of the potential advantages.

Review the findings

In 2010, an article in the Harvard Business Review (HBR)detailed numerous wellness program benefits realized at several different companies. This article, which has been frequently cited in the employee benefit arena since its original publication, found that:1
• One large, well-known health industry business saved $250 million in health-care costs over 10 years through its wellness program.
• Another company was able to see a $6 return for every $1 invested in its wellness program.
• A third organization realized an 80% decline in lost work days and a 64% decline in modified-duty days over a six-year period. Cost savings totaled $1.5 million over the time frame.

More recently, a popular study by the RAND Corporation questioned the 2010 HBR findings, citing differing results. In fact, the RAND Wellness Programs Study, which covered nearly 600,000 employees at seven organizations, concluded that “wellness programs are having little if any immediate effects on the amount employers spend on health care.” RAND also discovered similar results after analyzing 10 years of data by a Fortune 100 employer.

In this second case, the employer’s wellness program had two different components: a lifestyle management program, which focused on employees with health risks such as smoking and obesity, and a disease management program, which was designed to help employees who already had a chronic disease. Overall, the program resulted in average health-care cost savings of $30 per member, per month. However, 87% of those savings were attributed to the disease management program (resulting largely from a 30% reduction in hospital admissions). Moreover, the program returned just $1.50 for every dollar invested, on average. But a closer look at this figure revealed that the disease management program returned $3.80 for every dollar, while the lifestyle management program returned just $0.50 per dollar invested.

However, RAND acknowledged that a lifestyle management program can help reduce health risks such as smoking, obesity, and lack of physical activity, as well as rates of absenteeism. “Thus,” it concluded, “if an employer wants to improve employee health or productivity, an evidence-based lifestyle management program can achieve this goal.”

An even more recent HBR piece offered tips that built upon RAND study findings. It suggested that employers take steps to identify at-risk employees through health risk assessments and biometric screenings, and encourage (rather than coerce) them to participate in programs designed to address specific issues. It also noted that since chronically ill patients — those who currently suffer from diseases such as diabetes and heart disease — consume at least 50% of health-care claim expenses, “enrolling the chronically ill in disease-management programs that ensure they get appropriate care has the most potential to reduce insurance premiums.”3

Finally, a Society for Human Resource Management (SHRM) article emphasized an additional benefit offered by wellness programs that is difficult to quantify: the “employee positivity factor.” In this report, SHRM listed some of the advantages a healthy employee can bring to work, such as stronger engagement, better idea generation, and more positive interactions with customers and co-workers. “While the concrete savings from reductions in health care costs and employee sick leave is a good method for calculating ROI, the additional benefits achieved by improving employees’ health and well-being should not be ignored,” the article concluded. “The additional contributions made by employees who are ‘well’ could potentially bury the ROI estimated by the hard-cost findings.”4

Consider the big picture

When deciding whether to add a wellness program to your benefit lineup, be sure to consider both the financial and intangible benefits, and how they align with your company’s objectives.

“What’s the Hard Return on Employee Wellness Programs?” Harvard Business Review, December 2010

“Do Workplace Wellness Programs Save Employers Money?” RAND Corporation, 2014

“Meet the Wellness Programs That Save Companies Money,” Harvard Business Review, April 20, 2016

“The Real ROI for Employee Wellness Programs,” Society for Human Resource Management, February 24, 2015

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

Tracking # 1-700759

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

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Palm City Chamber of Commerce Celebrate Ribbon Cutting Loving Chiropractic

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Stuart -Palm City Chamber of Commerce celebrated a Ribbon Cutting with Dr. Brian Moriarty, D.C. on Wednesday, March 7th at his new location 633 SE Monterey Road in Stuart.  Dr. Brian Moriarty with family, friends ,Board Members,Ambassadors from the Palm City Chamber cut the ribbon for their new location.

Loving Chiropractic of Stuart has been serving Stuart FL since 2002. They provide chiropractic care for individuals and families, including newborns.

Loving Chiropractic of Stuart located in Stuart uses a state of the art, non-invasive technology in chiropractic care. Dr. Brian Moriarty, D.C. is a chiropractor practices a unique chiropractic method that combines the highly recognized chiropractic adjustments with the well documented Impulse, ArthroStim, and VibraCussor instruments for those patients who do not like the traditional “popping” noise of an adjustment. For more information contact them at 772-219-3313.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

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“Martin County’s Photo Journal”

 

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Arthur Rutenberg Hosts Stuart/Martin County Chamber March Networking Breakfast

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In Photo: Chamber Chairman Rob Gluckman, Treasure Coast Urgent & Family Care thanks Casey Caplan and Lynn Aubuchon for sponsoring the event.
 

Stuart -Arthur Rutenberg has been building homes in Florida for more than 50 years.Each of the company’s independent builders is dedicated to advancing Art’s personal vision of building fine custom homes worthy of both his name…and theirs.

The company’s award-wining portfolio includes some 80 designs, more than 350 different elevations, and a range of styles.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

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Arthur Rutenberg Hosts Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Mike Peak, Peak Enterprises Commercial Cleaning; Jeremy Harris, Growth Squad and Shelly Hammer, Engel & Volkers.  

Stuart – Arthur Rutenberg has been building homes in Florida for more than 50 years.Each of the company’s independent builders is dedicated to advancing Art’s personal vision of building fine custom homes worthy of both his name…and theirs.

The company’s award-wining portfolio includes some 80 designs, more than 350 different elevations, and a range of styles.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

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Arthur Rutenberg Hosts Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Chris and Christina Stamper with Madison’s Miracles and Aileen Fornuto.

Stuart – Arthur Rutenberg has been building homes in Florida for more than 50 years.Each of the company’s independent builders is dedicated to advancing Art’s personal vision of building fine custom homes worthy of both his name…and theirs.

The company’s award-wining portfolio includes some 80 designs, more than 350 different elevations, and a range of styles.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

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Arthur Rutenberg Hosts Stuart/Martin County Chamber March Networking Breakfast

Out2News.com

In Photo: Ambassador Tom Munhollen, ELB Consulting Inc., Richard Brown – Professional Resource Enhancement and Peter Einhorn – The Fur Seasons

Stuart – Arthur Rutenberg has been building homes in Florida for more than 50 years.Each of the company’s independent builders is dedicated to advancing Art’s personal vision of building fine custom homes worthy of both his name…and theirs.

The company’s award-wining portfolio includes some 80 designs, more than 350 different elevations, and a range of styles.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

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Piper’s Landing Hosts Palm City Chamber Monthly Breakfast

Out2News.com

In Photo: County Commissioner Doug Smith and Sheriff William Snyder

Palm City –- Embrace Florida as it’s meant to be…in a place known for its elegant, yet unpretentious lifestyle. A sanctuary where tropical breezes and vibrant sunsets are part of the daily routine.

A private community, Piper’s Landing Yacht & Country Club provides all the amenities you’d expect from a luxury country club in a neighborhood with only 302 residences, nestled among 600 acres of lush, natural preserve areas.

Enjoy your golf game amidst the stunning landscape. Set sail from the calm waters of our naturally protected yacht basin to the Atlantic Ocean. Or challenge your hand on our impeccably maintained Har-Tru® tennis courts.

Experience a lifestyle you thought no longer existed in Florida. We invite you to discover what makes Piper’s Landing so special to those who live and play here.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall – Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Piper’s Landing Hosts Palm City Chamber Monthly Breakfast
Out2News.com

Palm City –- Embrace Florida as it’s meant to be…in a place known for its elegant, yet unpretentious lifestyle. A sanctuary where tropical breezes and vibrant sunsets are part of the daily routine.

A private community, Piper’s Landing Yacht & Country Club provides all the amenities you’d expect from a luxury country club in a neighborhood with only 302 residences, nestled among 600 acres of lush, natural preserve areas.

Enjoy your golf game amidst the stunning landscape. Set sail from the calm waters of our naturally protected yacht basin to the Atlantic Ocean. Or challenge your hand on our impeccably maintained Har-Tru® tennis courts.

Experience a lifestyle you thought no longer existed in Florida. We invite you to discover what makes Piper’s Landing so special to those who live and play here.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall – Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Piper’s Landing Hosts Palm City Chamber Monthly Breakfast
Out2News.com

Palm City –- Embrace Florida as it’s meant to be…in a place known for its elegant, yet unpretentious lifestyle. A sanctuary where tropical breezes and vibrant sunsets are part of the daily routine.

A private community, Piper’s Landing Yacht & Country Club provides all the amenities you’d expect from a luxury country club in a neighborhood with only 302 residences, nestled among 600 acres of lush, natural preserve areas.

Enjoy your golf game amidst the stunning landscape. Set sail from the calm waters of our naturally protected yacht basin to the Atlantic Ocean. Or challenge your hand on our impeccably maintained Har-Tru® tennis courts.

Experience a lifestyle you thought no longer existed in Florida. We invite you to discover what makes Piper’s Landing so special to those who live and play here.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall – Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Piper’s Landing Hosts Palm City Chamber Monthly Breakfast
Out2News.com

Palm City –- Embrace Florida as it’s meant to be…in a place known for its elegant, yet unpretentious lifestyle. A sanctuary where tropical breezes and vibrant sunsets are part of the daily routine.

A private community, Piper’s Landing Yacht & Country Club provides all the amenities you’d expect from a luxury country club in a neighborhood with only 302 residences, nestled among 600 acres of lush, natural preserve areas.

Enjoy your golf game amidst the stunning landscape. Set sail from the calm waters of our naturally protected yacht basin to the Atlantic Ocean. Or challenge your hand on our impeccably maintained Har-Tru® tennis courts.

Experience a lifestyle you thought no longer existed in Florida. We invite you to discover what makes Piper’s Landing so special to those who live and play here.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall – Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Piper’s Landing Hosts Palm City Chamber Monthly Breakfast
Out2News.com

Palm City –- Embrace Florida as it’s meant to be…in a place known for its elegant, yet unpretentious lifestyle. A sanctuary where tropical breezes and vibrant sunsets are part of the daily routine.

A private community, Piper’s Landing Yacht & Country Club provides all the amenities you’d expect from a luxury country club in a neighborhood with only 302 residences, nestled among 600 acres of lush, natural preserve areas.

Enjoy your golf game amidst the stunning landscape. Set sail from the calm waters of our naturally protected yacht basin to the Atlantic Ocean. Or challenge your hand on our impeccably maintained Har-Tru® tennis courts.

Experience a lifestyle you thought no longer existed in Florida. We invite you to discover what makes Piper’s Landing so special to those who live and play here.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall – Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Piper’s Landing Hosts Palm City Chamber Monthly Breakfast
Out2News.com

Palm City –- Embrace Florida as it’s meant to be…in a place known for its elegant, yet unpretentious lifestyle. A sanctuary where tropical breezes and vibrant sunsets are part of the daily routine.

A private community, Piper’s Landing Yacht & Country Club provides all the amenities you’d expect from a luxury country club in a neighborhood with only 302 residences, nestled among 600 acres of lush, natural preserve areas.

Enjoy your golf game amidst the stunning landscape. Set sail from the calm waters of our naturally protected yacht basin to the Atlantic Ocean. Or challenge your hand on our impeccably maintained Har-Tru® tennis courts.

Experience a lifestyle you thought no longer existed in Florida. We invite you to discover what makes Piper’s Landing so special to those who live and play here.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall – Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Piper’s Landing Hosts Palm City Chamber Monthly Breakfast
Out2News.com

Palm City –- Embrace Florida as it’s meant to be…in a place known for its elegant, yet unpretentious lifestyle. A sanctuary where tropical breezes and vibrant sunsets are part of the daily routine.

A private community, Piper’s Landing Yacht & Country Club provides all the amenities you’d expect from a luxury country club in a neighborhood with only 302 residences, nestled among 600 acres of lush, natural preserve areas.

Enjoy your golf game amidst the stunning landscape. Set sail from the calm waters of our naturally protected yacht basin to the Atlantic Ocean. Or challenge your hand on our impeccably maintained Har-Tru® tennis courts.

Experience a lifestyle you thought no longer existed in Florida. We invite you to discover what makes Piper’s Landing so special to those who live and play here.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall – Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Piper’s Landing Hosts Palm City Chamber Monthly Breakfast
Out2News.com

Palm City –- Embrace Florida as it’s meant to be…in a place known for its elegant, yet unpretentious lifestyle. A sanctuary where tropical breezes and vibrant sunsets are part of the daily routine.

A private community, Piper’s Landing Yacht & Country Club provides all the amenities you’d expect from a luxury country club in a neighborhood with only 302 residences, nestled among 600 acres of lush, natural preserve areas.

Enjoy your golf game amidst the stunning landscape. Set sail from the calm waters of our naturally protected yacht basin to the Atlantic Ocean. Or challenge your hand on our impeccably maintained Har-Tru® tennis courts.

Experience a lifestyle you thought no longer existed in Florida. We invite you to discover what makes Piper’s Landing so special to those who live and play here.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall – Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Piper’s Landing Hosts Palm City Chamber Monthly Breakfast
Out2News.com

Palm City –- Embrace Florida as it’s meant to be…in a place known for its elegant, yet unpretentious lifestyle. A sanctuary where tropical breezes and vibrant sunsets are part of the daily routine.

A private community, Piper’s Landing Yacht & Country Club provides all the amenities you’d expect from a luxury country club in a neighborhood with only 302 residences, nestled among 600 acres of lush, natural preserve areas.

Enjoy your golf game amidst the stunning landscape. Set sail from the calm waters of our naturally protected yacht basin to the Atlantic Ocean. Or challenge your hand on our impeccably maintained Har-Tru® tennis courts.

Experience a lifestyle you thought no longer existed in Florida. We invite you to discover what makes Piper’s Landing so special to those who live and play here.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall – Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Key Retirement and Tax Numbers for 2018

Out2News.com

Every year, the Internal Revenue Service announces cost-of-living adjustments that affect contribution limits for retirement plans, thresholds for deductions and credits, and standard deduction and personal exemption amounts. Here are a few of the key adjustments for 2018.*

Employer retirement plans

• Employees who participate in 401(k), 403(b), and most 457 plans can defer up to $18,500 in compensation in 2018 (up from $18,000 in 2017); employees age 50 and older can defer up to an additional $6,000 in 2018 (the same as in 2017).
• Employees participating in a SIMPLE retirement plan can defer up to $12,500 in 2018 (the same as in 2017), and employees age 50 and older can defer up to an additional $3,000 in 2018 (the same as in 2017).

IRAs

The limit on annual contributions to an IRA remains unchanged at $5,500 in 2018, with individuals age 50 and older able to contribute an additional $1,000. For individuals who are covered by a workplace retirement plan, the deduction for contributions to a traditional IRA is phased out for the following modified adjusted gross income (AGI) ranges:

Out2News.com
The 2018 phaseout range is $189,000 – $199,000 (up from $186,000 – $196,000 in 2017) when the individual making the IRA contribution is not covered by a workplace retirement plan but is filing jointly with a spouse who is covered.

The modified AGI phaseout ranges for individuals to make contributions to a Roth IRA are:
Out2News.com

Estate and gift tax
• The annual gift tax exclusion for 2018 is $15,000, up from $14,000 in 2017.
• The gift and estate tax basic exclusion amount for 2018 is $11,200,000, up from $5,490,000 in 2017.

Personal exemption

There is no personal exemption amount for 2018; it was $4,050 in 2017. For 2018, there is no phaseout of personal exemptions or overall limit on itemized deductions once AGI exceeds certain thresholds.
For 2017, personal exemptions were phased out and itemized deductions were limited once AGI exceeded $261,500 (single), $287,650 (HOH), $313,800 (MFJ), or $156,900 (MFS).
Out2News.com

The additional standard deduction amount for the blind or aged (age 65 or older) in 2018 is $1,600 (up from $1,550 in 2017) for single/HOH or $1,300 (up from $1,250 in 2017) for all other filing statuses. Special rules apply if you can be claimed as a dependent by another taxpayer.

Out2News.com

Out2martincounty.com

 

La Forchetta Ristorante & Lounge Host Stuart/Martin County Chamber of Commerce February Lunch

Out2News.com

In Photo: Sponsor of the Stuart/Martin County Chamber’s February Networking Luncheon, Rehmann CPA’s.President/CEO Joe Catrambone, Chairman-Rob Gluckman-T.C. Urgent & Family Care. Gene Goldin, Patricia Malfregeot, Darlene Wozny, Kim Martin, Cindy Ewing, Cathy Shoemaker, Scott Nall, Kelli Fowler, Christal Mims, Jami

Stuart -The restaurant and hospitality business is our future. Family owned and has been in business for over 45 yrs.raised in the restaurant life with our parents.For more information please call at 772-872-7333/

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

Photos by: Sue Hedgepath- Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

La Forchetta Ristorante & Lounge Host Stuart/Martin County Chamber of Commerce February Lunch

Out2News.com

Stuart – The restaurant and hospitality business is our future. Family owned and has been in business for over 45 yrs.raised in the restaurant life with our parents.For more information please call at 772-872-7333/

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

Photos by: Sue Hedgepath- Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

La Forchetta Ristorante & Lounge Host Stuart/Martin County Chamber of Commerce February Lunch

Out2News.com

Stuart -The restaurant and hospitality business is our future. Family owned and has been in business for over 45 yrs.raised in the restaurant life with our parents.For more information please call at 772-872-7333/

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

Photos by: Sue Hedgepath- Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

La Forchetta Ristorante & Lounge Host Stuart/Martin County Chamber of Commerce February Lunch

Out2News.com

Stuart – The restaurant and hospitality business is our future. Family owned and has been in business for over 45 yrs.raised in the restaurant life with our parents.For more information please call at 772-872-7333/

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

Photos by: Sue Hedgepath- Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

La Forchetta Ristorante & Lounge Host Stuart/Martin County Chamber of Commerce February Lunch

Out2News.com

Stuart -The restaurant and hospitality business is our future. Family owned and has been in business for over 45 yrs.raised in the restaurant life with our parents.For more information please call at 772-872-7333/

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

Photos by: Sue Hedgepath- Stuart/Martin County Chamber of Commerce

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

How Much Risk Can You Take?

Out2News.com

Many market shocks are short-lived once investors conclude the event is unlikely to cause lasting economic damage. Still, major market downturns such as the 2000 dot-com bust and the 2008-09 credit crisis are powerful reminders that we cannot control or predict exactly how, where, or when precarious situations will arise.

Market risk refers to the possibility that an investment will lose value because of a broad decline in the financial markets, which can be the result of economic or sociopolitical factors. Investors who are willing to accept more investment risk may benefit from higher returns in the good times, but they also get hit harder during the bad times. A more conservative portfolio generally means there are fewer highs, but also fewer lows.

Your portfolio’s risk profile should reflect your ability to endure periods of market volatility, both financially and emotionally. Here are some questions that may help you evaluate your personal relationship with risk.

How much risk can you afford?

Your capacity for risk generally depends on your current financial position (income, assets, and expenses) as well as your age, health, future earning potential, and time horizon. Your time horizon is the length of time before you expect to tap your investment assets for specific financial goals. The more time you have to keep the money invested, the more likely it is that you can ride out the volatility associated with riskier investments. An aggressive risk profile may be appropriate if you’re investing for a retirement that is many years away. However, investing for a teenager’s upcoming college education may call for a conservative approach.

How much risk may be needed to meet your goals?

lf you know how much money you have to invest and can estimate how much you will need in the future, then it’s possible to calculate a “required return” (and a corresponding level of risk) for your investments. Older retirees who have sufficient income and assets to cover expenses for the rest of their lives may not need to expose their savings to risk. On the other hand, some risk-averse individuals may need to invest more aggressively to accumulate enough money for retirement and offset another risk: that inflation could erode the purchasing power of their assets over the long term.

How much risk are you comfortable taking?

Some people seem to be born risk-takers, whereas others are cautious by nature, but an investor’s true psychological risk tolerance can be difficult to assess. Some people who describe their personality a certain way on a questionnaire may act differently when they are tested by real events.

Moreover, an investor’s attitude toward risk can change over time, with experience and age. New investors may be more fearful of potential losses. Investors who have experienced the cyclical and ever-changing nature of the economy and investment performance may be more comfortable with short-term market swings.

Brace yourself

Market declines are an inevitable part of investing, but abandoning a sound investment strategy in the heat of the moment could be detrimental to your portfolio’s long-term performance. One thing you can do to strengthen your mindset is to anticipate scenarios in which the value of your investments were to fall by 20% to 40%. If you become overly anxious about the possibility of such a loss, it might be helpful to reduce the level of risk in your portfolio. Otherwise, having a plan in place could help you manage your emotions when turbulent times arrive.

All investing involves risk, including the possible loss of principal, and there is no guarantee that any investment strategy will be successful.

 Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

Tracking #: 1-674481

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

Macy’s Treasure Coast Square Mall Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Geoff Lieberman, Amy Pearlstine – Stuart/Martin County Chamber,Chairman Rob Gluckman – President – Stuart/Martin County Chamber and Treasure Coast Urgent & Family Care,Carol Houwaart-Diez – United Way of Martin County.

Jensen Beach – Macy’s, established in 1858, is the Great American Department Store – an iconic retailing brand over 740 stores operating coast-to-coast and online. Macy’s Treasure Coast Square offers a first class selection of top fashion brands including Ralph Lauren, Calvin Klein, Clinique, Estee Lauder & Levis.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath –  Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Macy’s Treasure Coast Square Mall Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Will Rodriguez and Chuck Roth

Jensen Beach – Macy’s, established in 1858, is the Great American Department Store – an iconic retailing brand over 740 stores operating coast-to-coast and online. Macy’s Treasure Coast Square offers a first class selection of top fashion brands including Ralph Lauren, Calvin Klein, Clinique, Estee Lauder & Levis.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath –  Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Macy’s Treasure Coast Square Mall Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Grace Carlton, Stuart Corinthian Yacht Club and Joseph McMaster, Saxon Business Systems/Xerox Co.

Jensen Beach – Macy’s, established in 1858, is the Great American Department Store – an iconic retailing brand over 740 stores operating coast-to-coast and online. Macy’s Treasure Coast Square offers a first class selection of top fashion brands including Ralph Lauren, Calvin Klein, Clinique, Estee Lauder & Levis.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath –  Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Macy’s Treasure Coast Square Mall Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Kate Harper – Habitat For Humanity and Jordan Dawedeit – Island Cotton Company

Jensen Beach – Macy’s, established in 1858, is the Great American Department Store – an iconic retailing brand over 740 stores operating coast-to-coast and online. Macy’s Treasure Coast Square offers a first class selection of top fashion brands including Ralph Lauren, Calvin Klein, Clinique, Estee Lauder & Levis.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath –  Out2News/Out2Martin County.com contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Macy’s Treasure Coast Square Mall Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Rozanne Brown – Carebag Inc. and Tammy Parduba -U.S. Health Advisors

Jensen Beach – Macy’s, established in 1858, is the Great American Department Store – an iconic retailing brand over 740 stores operating coast-to-coast and online. Macy’s Treasure Coast Square offers a first class selection of top fashion brands including Ralph Lauren, Calvin Klein, Clinique, Estee Lauder & Levis.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath –  Out2News/Out2Martin County.com contributing photograher

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Macy’s Treasure Coast Square Mall Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Guyton Stone -Guyton’s Custom Designs, Chamber Director David Heaton – Children’s Services Council and Ambassador Claire Smith – Coast 101.3

Jensen Beach – Macy’s, established in 1858, is the Great American Department Store – an iconic retailing brand over 740 stores operating coast-to-coast and online. Macy’s Treasure Coast Square offers a first class selection of top fashion brands including Ralph Lauren, Calvin Klein, Clinique, Estee Lauder & Levis.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath –  Out2News/Out2Martin County.com contributing photograher

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce Annual Installation Gala

Out2News.com

In Photo: Steve & Evie Klaassen – Colorado Pawn & Jewelry, Jeff Teach – Teach Wealth Management

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Matt Stone -Stone Photography & Film

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce Annual Installation Gala

Out2News.com

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Annual Installation Gala

Out2News.com

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce Annual Installation Gala

Out2News.com

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce Annual Installation Gala

Out2News.com

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce Annual Installation Gala

Out2News.com

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce Annual Installation Gala

Out2News.com

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce Annual Installation Gala

Out2News.com

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce Annual Installation Gala

Out2News.com

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce Annual Installation Gala

Out2News.com

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce Annual Installation Gala

Out2News.com

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce Annual Installation Gala

Out2News.com

Palm City – On Saturday, February 3rd, the annual Installation Gala was held at Piper’s Landing Yacht & Country Club. The Country Club has a beautiful bar and restaurant area and dance floor along with an outstanding outside area complete with a fire pit and balcony dining!

The black tie event started with a cocktail hour from 6 to 7 p.m. that was sponsored by Waste Management, followed by a three course dinner which included a scrumptious dessert! New members of the Palm City Chamber Board of Directors was sworn in and another year begins. The past President Jeff Teach – Teach Wealth Management graciously thanked his supporters and passed the gavel on to the new incoming President Rick Hartman with Hartman Realty.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Don’t Wait to Ask Aging Parents These Important Questions

Out2News.com

It’s human nature to put off complicated or emotionally heavy tasks. Talking with aging parents about their finances, health, and overall well-being might fall in this category. Many adult children would rather avoid this task, as it can create feelings of fear and loss on both sides. But this conversation — what could be the first of many — is too important to put off for long. The best time to start is when your parents are relatively healthy. Otherwise, you may find yourself making critical decisions on their behalf in the midst of a crisis without a roadmap.
Here are some questions to ask them that might help you get started.

Finances
• What institutions hold your financial assets? Ask your parents to create a list of their bank, brokerage, and retirement accounts, including account numbers, name(s) on accounts, and online user names and passwords, if any. You should also know where to find their insurance policies (life, home, auto, disability, long-term care), Social Security cards, titles to their house and vehicles, outstanding loan documents, and past tax returns. If your parents have a safe-deposit box or home safe, make sure you can access the key or combination.
• Do you need help paying monthly bills or reviewing items like credit card statements, medical receipts, or property tax bills? Do you use online bill pay for any accounts?
• Do you currently work with any financial, legal, or tax professionals? If so, ask your parents if they want to share contact information and whether they would find it helpful if you attended meetings with them.
• Do you have a durable power of attorney? A durable power of attorney is a legal document that allows a named individual (such as an adult child) to manage all aspects of a parent’s financial life if the parent becomes disabled or incompetent.
• Do you have a will? If so, find out where it is and who is named as executor. If the will is more than five years old, your parents may want to review it to make sure their current wishes are represented. Ask if they have any specific personal property disposition requests that they want to discuss now.
• Are your beneficiary designations up-to-date? Beneficiary designations on your parents’ insurance policies, pensions, IRAs, and investment accounts will trump any instructions in their will.
• Do you have an overall estate plan? A trust? A living trust can be used to help manage an estate while your parents are still living. If you’d like to learn more, consult an estate planning attorney.

Health
• What doctors do you currently see? Are you happy with the care you’re getting? If your parents begin to need multiple medical specialists and/or home health services, you might consider hiring a geriatric care manager, especially if you don’t live close by.
• What medications are you currently taking? Are you able to manage various dosage instructions? Do you have any notable side effects? At what pharmacy do you get your prescriptions filled?
• What health insurance do you have? In addition to Medicare, which starts at age 65, find out if your parents have or should consider Medigap insurance — a private policy that covers many costs not covered by Medicare. You may also want to discuss the need for long-term care insurance, which helps pay for extended custodial or nursing home care.
• Do you have an advance medical directive? This document expresses your parents’ wishes regarding life-support measures, if needed, and designates someone who will communicate with health-care professionals on their behalf. If your parents do not want heroic life-saving measures to be undertaken for them, this document is a must.

Living situation
• Do you plan to stay in your current home for the foreseeable future, or are you considering downsizing?
• Is there anything I can do now to make your home more comfortable and safe? This might include smaller projects such as installing hand rails and night lights in the bathroom, to larger projects such as moving the washing machine out of the basement, installing a stair lift, or moving a bedroom to the first floor.
• Could you benefit from a weekly or monthly cleaning service?
• Do you employ certain people or companies for home maintenance projects (e.g., heating contractor, plumber, electrician, fall cleanup)?

Memorial wishes
• Do you want to be buried or cremated? Do you have a burial plot picked out?
• Do you have any specific requests or wishes for your memorial service?

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC
Tracking #: 1-664201

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

Boathouse Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: The staff and management for hosting and sponsoring the event. Representing Stuart Boathouse are (from left) Paige Beauchamp, Cliff Davis, Brett Spriggs and Rachael Mack.

Stuart — They strive to satisfy the dining interests of the Treasure Coast locals, and have taken great care when building our concept, menu, and prices. Stuart Boathouse is intended to be a year-round option, rather than a seasonal treat. Contact them for more information at 772-266-4586.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath –  Out2News/Out2Martin County.com contributing photograher

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Boathouse Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Holly Gilbert, Stuart Fence Co. and Mary Weeks, Skin Serenity Spa

Stuart — They strive to satisfy the dining interests of the Treasure Coast locals, and have taken great care when building our concept, menu, and prices. Stuart Boathouse is intended to be a year-round option, rather than a seasonal treat. Contact them for more information at 772-266-4586.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath –  Out2News/Out2Martin County.com contributing photograher

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Boathouse Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart — They strive to satisfy the dining interests of the Treasure Coast locals, and have taken great care when building our concept, menu, and prices. Stuart Boathouse is intended to be a year-round option, rather than a seasonal treat. Contact them for more information at 772-266-4586.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath –  Out2News/Out2Martin County.com contributing photograher

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Boathouse Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart — They strive to satisfy the dining interests of the Treasure Coast locals, and have taken great care when building our concept, menu, and prices. Stuart Boathouse is intended to be a year-round option, rather than a seasonal treat. Contact them for more information at 772-266-4586.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath –  Out2News/Out2Martin County.com contributing photograher

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Don’t Delay: The Potential Benefits of Starting to Save Now

Out2News.com

For long-term investment goals such as retirement, time can be one of your biggest advantages. That’s because time allows your investment dollars to do some of the hard work for you through a mathematical principle known as compounding.
The snowball effect
The premise behind compounding is fairly simple. You invest to earn money, and if those returns are then reinvested, that money can also earn returns.
For example, say you invest $1,000 and earn an annual return of 7% — which, of course, cannot be guaranteed. In year one, you’d earn $70 and your account would be worth $1,070. In year two, that $1,070 would earn $74.90, which would bring the total value of your account to $1,144.90. In year three, your account would earn $80.14, bringing the total to $1,225.04 — and so on. Over time, if your account continues to grow in this manner, the process can begin to snowball and potentially add up.
Time and money
Now consider how compounding works over long time periods using dollar-cost averaging (investing equal amounts at regular intervals), a strategy many people use to save for retirement.1Let’s say you contribute $120 every two weeks. Assuming you earn a 7% rate of return each year, your results would look like this:

Time period Amount invested Total accumulated
10 years $31,200 $45,100
20 years $62,400 $135,835
30 years $93,600 $318,381

After 10 years, your investment would have earned almost $14,000; after 20 years, your money would have more than doubled; and after 30 years, your account would be worth more than three times what you invested.2 That’s the power of compounding at work. The longer you invest and allow the money to grow, the more powerful compounding can become.

The cost of waiting
Now consider how much it might cost you to delay your investing plan. Let’s say you set a goal of accumulating $500,000 before you retire. The following scenarios examine how much you would have to invest on a monthly basis, assuming you start with no money and earn a 7% annual rate of return (compounded monthly).

Time frame to retirement 40 years 35 years 30 years 25 years
Retirement accumulation goal $500,000 $500,000 $500,000 $500,000
Annual rate of return 7% 7% 7% 7%
Monthly contribution needed $190 $278 $410 $617

So the less time you have to pursue your goal, the more you will likely have to invest out of pocket. The moral of the story? Don’t put off saving for the future. Give your investment dollars as much time as possible to do the hard work for you.

1Dollar-cost averaging does not ensure a profit or prevent a loss. It involves continuous investments in securities regardless of fluctuating prices. You should consider your financial ability to continue making purchases during periods of low and high price levels. All investing involves risk, including the possible loss of principal, and there is no guarantee that any investment strategy will be successful. Review your progress periodically and be prepared to make adjustments when necessary.

2Assumes 26 contributions per year, compounded bi-weekly.
These hypothetical examples are used for illustrative purposes only and do not represent the performance of any specific investment. Fees and expenses are not considered and would reduce the performance shown if they were included. Actual results will vary. Rates of return will vary over time, particularly for long-term investments. Investments with the potential for higher rates of return also carry a greater degree of risk of loss.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC
Tracking #: 1-664201

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

Monarch Country Club Hosts Stuart/Martin County Chamber Networking Luncheon

Out2News.com

In Photo: Chamber Chairman Rob Gluckman, Treasure Coast Urgent & Family Care; Christine Corrigan and Jack Ullrich, Hedrick Brothers and Chamber President/CEO Joe Catrambone.

 

Palm City – Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of

Commerce provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free

enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2martincounty.com – Contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Stuart/Martin County Chamber Networking Luncheon

Out2News.com

In Photo: Lynne Barletta, Visionary School of Arts. In Photo: Tony Barletta, Lisa Chitty, Donna Linton, Janice Norman, shown with Chamber President/CEO Joe Catrambone and Chairman Rob Gluckman, Treasure Coast Urgent & Family Care.

Palm City – Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of

Commerce provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free

enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2martincounty.com – Contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Stuart/Martin County Chamber Networking Luncheon

Out2News.com

In Photo: Chairman Rob Gluckman, Treasure Coast Urgent & Family Care presented HB Barrett the Ambassador of the Month Award at the January

Palm City – Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of

Commerce provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free

enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2martincounty.com – Contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Stuart/Martin County Chamber Networking Luncheon

Out2News.com

In Photo: Chamber Trustee Lisa Satur, Harbor Community Bank (left); Monica Lokitus, Elite Payroll Solutions and Gene Zweben

Palm City – Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of

Commerce provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free

enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2martincounty.com – Contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Stuart/Martin County Chamber Networking Luncheon

Out2News.com

In Photo: Joe Gutierrez, Merrill Lynch/GSM Group

Palm City – Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of

Commerce provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free

enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2martincounty.com – Contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Stuart/Martin County Chamber Networking Luncheon

Out2News.com

Palm City – Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of

Commerce provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free

enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2martincounty.com – Contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Monarch Country Club Hosts Stuart/Martin County Chamber Networking Luncheon

Out2News.com

Palm City – Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of

Commerce provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free

enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Sue Hedgepath – Out2News/Out2martincounty.com – Contributing photographer

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

 

Demographic Dilemma: Is America’s Aging Population Slowing Down the Economy?

Out2News.comIt’s no secret that the demographic profile of the United States is growing older at a rapid pace. While the U.S. population is projected to grow just 8% between 2015 and 2025, the number of older Americans ages 70 to 84 will skyrocket 50%.

With roughly 75 million members, baby boomers (born between 1946 and 1964) make up the largest generation in U.S. history. As a group, boomers have longer life expectancies and had fewer children than previous generations.2

Now, after dominating the workforce for nearly 40 years, boomers are retiring at a rate of around 1.2 million a year, about three times more than a decade ago.3

Though the economy has continued to improve since the Great Recession, gross domestic product (GDP) growth has been weak compared with past recoveries. A number of economists believe that demographic changes may be the primary reason.4

Spending shifts

The lower birth rates in recent decades generally mean that fewer young people are joining the workforce, so the consumer spending that fuels economic expansion and job creation could take a hit. When young people earn enough money to strike out on their own, marry, and start families, it typically spurs additional spending — on places to live, furniture and appliances, vehicles, and other products and services that are needed to set up a new household.

On the other hand, when people retire, they typically reduce their spending and focus more on preserving their savings. Moreover, retirees’ spending habits are often different from when they were working. As a group, retirees tend to avoid taking on debt, have more equity built up in their homes, and may be able to downsize or move to places with lower living costs. More spending is devoted to covering health-care costs as people age.

If a larger, older population is spending less and the younger population is too small to drive up consumer spending, weaker overall demand for products and services could restrain GDP growth and inflation over the long term. Less borrowing by consumers and businesses could also put downward pressure on interest rates.

A new normal?

The onslaught of retiring baby boomers has long been expected to threaten the viability of Social Security and Medicare, mainly because both are funded by payroll taxes on current workers. But this may not be the only challenge.

A 2016 working paper by Federal Reserve economists concluded that declining fertility and labor force participation rates, along with increases in life expectancies, accounted for a 1.25 percentage point decline in the natural rate of real interest and real GDP growth since 1980. Furthermore, the same demographic trends are expected to remain a structural impediment to economic growth for years to come.5

Put simply, a nation’s potential GDP is a product of the number of workers times the productivity (output) per worker, and the U.S. workforce is shrinking in relation to the total population.

The labor force participation rate — the percentage of the civilian labor force age 16 and older who are working or actively looking for work — peaked at 67.3% in early 2000, not coincidentally the last time GDP grew by more than 4%. The participation rate has dropped steadily since then; in August 2017, it was 62.9%. This reflects lower birth rates, increased college enrollment, some men in their prime working years dropping out of the labor force, and large numbers of retiring baby boomers.6

Many economists acknowledge that U.S. population trends are a force to be reckoned with, but the potential impact is still up for debate. Some argue that labor shortages could drive up wages and spending relatively soon, followed by higher growth, inflation, and interest rates — until automated technologies start replacing larger numbers of costly human workers.7

Even if demographic forces continue to restrain growth, it might not spell doom for workforce productivity and the economy. Another baby boom would likely be a catalyst for consumer spending. Family-friendly policies such as paid maternity leave and day-care assistance could provide incentives for women with children to remain in the workforce. It’s also possible that a larger percentage of healthy older workers may delay retirement — a trend that is already developing — and continue to add their experience and expertise to the economy.8

1, 3) The Conference Board, February 24, 2017
2) The Wall Street Journal, January 16, 2017
4-5) Federal Reserve, 2016
6, 8) The Financial Times, October 25, 2016
7) U.S. Bureau of Labor Statistics, 2016-2017, Bureau of Economic Analysis 2017
Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC
Tracking #: 1-664201

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

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Out2martincounty.com

 

TOTAL TIRE CAR CARE

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Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

 

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

 

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Real Estate & Home Expo 2018

Out2News.com

Port St. Lucie – On Saturday,January 20th at the Port St. Lucie Civic Center, located at 9221 SE Civic Center Plaza in Port St. Lucie – Hosted by: The VonOhlen Tean and Presented by: My Living Magazine. The Treasure Coast Real Estate and Home EXPO was a quintessential exposition event for connecting, negotiating, planning, buying and selling on the Treasure Coast. From professional services to medical services, home services to pet services and all products, projects and businesses in-between. The Treasure Coast Real Estate and Home Expo connected, showcased and highlighted the products people and professionals of the Treasure Coast.

The Expo brought out the best offerings, options and opportunities all through out the Treasure Coast community. The event was free to attend for the public!

The free, one day expo offered invaluable insights and exclusive networking opportunities with a wide range of informative workshops, seminars, and presentations from local and national industry experts. Topics range from branding and marketing to promotions and advertising, Social Media to Search Engine Optimization, Identity Theft Protection to Tax Advantage Strategies and much more.

Sponsors and exhibitors of The Treasure Coast Real Estate and Home Expo included Real Estate Agencies, small businesses, contractors, chiropractors, restaurants, banks, dentists, HVAC pros, Funeral arrangers, interior designers, home health care pros, pawn shops, property and rental management groups, marketers, branders.

If you were in the startup phase or a long time established company, the Treasure Coast Real Estate & Home Expo offered plenty of resources.

The Treasure Coast Opportunity Network sets the stage for every event to result in the most engaging, networking, connecting, converting and sustaining experience possible. For more information visit: http://tcoppnetwork.com/.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

Photo by: Robin Hall Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998) “Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Michael Leonard’s Salon Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

In photo: Michael and Kimberly Izzolo – Owners of Michael Leonard’s Salon

Palm City – Michael Leonard’s Salon was founded by Michael and Kimberly Izzolo in June 1992.Michael Leonard’s prides itself on its level of commitment to its clientele by keeping up to date with the latest styles, trends and technology. Michael has spent the past 20 years working as a platform artist and educator. Michael believes in the Art of Hair.Located in Palm City 3371 SW Martin Downs Blvd. 772-288-4022.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members.

Out2martincounty.com

Michael Leonard’s Salon Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

Palm City – Michael Leonard’s Salon was founded by Michael and Kimberly Izzolo in June 1992.Michael Leonard’s prides itself on its level of commitment to its clientele by keeping up to date with the latest styles, trends and technology. Michael has spent the past 20 years working as a platform artist and educator. Michael believes in the Art of Hair.Located in Palm City 3371 SW Martin Downs Blvd. 772-288-4022.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Michael Leonard’s Salon Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

Palm City – Michael Leonard’s Salon was founded by Michael and Kimberly Izzolo in June 1992.Michael Leonard’s prides itself on its level of commitment to its clientele by keeping up to date with the latest styles, trends and technology. Michael has spent the past 20 years working as a platform artist and educator. Michael believes in the Art of Hair.Located in Palm City 3371 SW Martin Downs Blvd. 772-288-4022.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Michael Leonard’s Salon Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

Palm City – Michael Leonard’s Salon was founded by Michael and Kimberly Izzolo in June 1992.Michael Leonard’s prides itself on its level of commitment to its clientele by keeping up to date with the latest styles, trends and technology. Michael has spent the past 20 years working as a platform artist and educator. Michael believes in the Art of Hair.Located in Palm City 3371 SW Martin Downs Blvd. 772-288-4022.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Photo by: Robin Hall Out2News/Out2martincounty.com

Email your story or request to: rshall@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Painting with a Twist Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Rob Gluckman, Esq. Chairman -Treasure Coast Urgent & Family Care

Stuart – Painting with a Twist painting sessions are fun art, not fine art. Invite your friends, sip your favorite beverage* and enjoy step-by-step instruction with our experienced and enthusiastic local artists. It’s a colorful, casual party atmosphere where you’ll leave your cares behind and go home with a one-of-a-kind painting created by you.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

Painting with a Twist Paint Studio is located in Jensen Beach, 3579 NW Federal Highway, or call them at 772-210-5305.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Painting with a Twist Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Karen & Mark Sandler – Owners of Painting with a Twist

Stuart – Painting with a Twist painting sessions are fun art, not fine art. Invite your friends, sip your favorite beverage* and enjoy step-by-step instruction with our experienced and enthusiastic local artists. It’s a colorful, casual party atmosphere where you’ll leave your cares behind and go home with a one-of-a-kind painting created by you.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

Painting with a Twist Paint Studio is located in Jensen Beach, 3579 NW Federal Highway, or call them at 772-210-5305.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Painting with a Twist Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Painting with a Twist painting sessions are fun art, not fine art. Invite your friends, sip your favorite beverage* and enjoy step-by-step instruction with our experienced and enthusiastic local artists. It’s a colorful, casual party atmosphere where you’ll leave your cares behind and go home with a one-of-a-kind painting created by you.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

Painting with a Twist Paint Studio is located in Jensen Beach, 3579 NW Federal Highway, or call them at 772-210-5305.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Painting with a Twist Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Painting with a Twist painting sessions are fun art, not fine art. Invite your friends, sip your favorite beverage* and enjoy step-by-step instruction with our experienced and enthusiastic local artists. It’s a colorful, casual party atmosphere where you’ll leave your cares behind and go home with a one-of-a-kind painting created by you.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

Painting with a Twist Paint Studio is located in Jensen Beach, 3579 NW Federal Highway, or call them at 772-210-5305.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Painting with a Twist Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Painting with a Twist painting sessions are fun art, not fine art. Invite your friends, sip your favorite beverage* and enjoy step-by-step instruction with our experienced and enthusiastic local artists. It’s a colorful, casual party atmosphere where you’ll leave your cares behind and go home with a one-of-a-kind painting created by you.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

Painting with a Twist Paint Studio is located in Jensen Beach, 3579 NW Federal Highway, or call them at 772-210-5305.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Painting with a Twist Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Painting with a Twist painting sessions are fun art, not fine art. Invite your friends, sip your favorite beverage* and enjoy step-by-step instruction with our experienced and enthusiastic local artists. It’s a colorful, casual party atmosphere where you’ll leave your cares behind and go home with a one-of-a-kind painting created by you.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

Painting with a Twist Paint Studio is located in Jensen Beach, 3579 NW Federal Highway, or call them at 772-210-5305.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Painting with a Twist Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Painting with a Twist painting sessions are fun art, not fine art. Invite your friends, sip your favorite beverage* and enjoy step-by-step instruction with our experienced and enthusiastic local artists. It’s a colorful, casual party atmosphere where you’ll leave your cares behind and go home with a one-of-a-kind painting created by you.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

Painting with a Twist Paint Studio is located in Jensen Beach, 3579 NW Federal Highway, or call them at 772-210-5305.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Robin Hall – Out2News/Out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

The Rise and Fall of Bitcoin

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In November 1, 2008, a man named Satoshi Nakamoto posted a research paper to an obscure cryptography listserv describing his design for a new digital currency that he called bitcoin. None of the list’s veterans had heard of him, and what little information could be gleaned was murky and contradictory. In an online profile, he said he lived in Japan. His email address was from a free German service. Google searches for his name turned up no relevant information; it was clearly a pseudonym. But while Nakamoto himself may have been a puzzle, his creation cracked a problem that had stumped cryptographers for decades. The idea of digital money—convenient and untraceable, liberated from the oversight of governments and banks—had been a hot topic since the birth of the Internet. Cypherpunks, the 1990s movement of libertarian cryptographers, dedicated themselves to the project. Yet every effort to create virtual cash had foundered. Ecash, an anonymous system launched in the early 1990s by cryptographer David Chaum, failed in part because it depended on the existing infrastructures of government and credit card companies. Other proposals followed—bit gold, RPOW, b-money—but none got off the ground.

One of the core challenges of designing a digital currency involves something called the double-spending problem. If a digital dollar is just information, free from the corporeal strictures of paper and metal, what’s to prevent people from copying and pasting it as easily as a chunk of text, “spending” it as many times as they want? The conventional answer involved using a central clearinghouse to keep a real-time ledger of all transactions—ensuring that, if someone spends his last digital dollar, he can’t then spend it again. The ledger prevents fraud, but it also requires a trusted third party to administer it.

Bitcoin did away with the third party by publicly distributing the ledger, what Nakamoto called the “block chain.” Users willing to devote CPU power to running a special piece of software would be called miners and would form a network to maintain the block chain collectively. In the process, they would also generate new currency. Transactions would be broadcast to the network, and computers running the software would compete to solve irreversible cryptographic puzzles that contain data from several transactions. The first miner to solve each puzzle would be awarded 50 new bitcoins, and the associated block of transactions would be added to the chain. The difficulty of each puzzle would increase as the number of miners increased, which would keep production to one block of transactions roughly every 10 minutes. In addition, the size of each block bounty would halve every 210,000 blocks—first from 50 bitcoins to 25, then from 25 to 12.5, and so on. Around the year 2140, the currency would reach its preordained limit of 21 million bitcoins.

When Nakamoto’s paper came out in 2008, trust in the ability of governments and banks to manage the economy and the money supply was at its nadir. The US government was throwing dollars at Wall Street and the Detroit car companies. The Federal Reserve was introducing “quantitative easing,” essentially printing money in order to stimulate the economy. The price of gold was rising. Bitcoin required no faith in the politicians or financiers who had wrecked the economy—just in Nakamoto’s elegant algorithms. Not only did bitcoin’s public ledger seem to protect against fraud, but the predetermined release of the digital currency kept the bitcoin money supply growing at a predictable rate, immune to printing-press-happy central bankers and Weimar Republic-style hyperinflation.

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Nakamoto himself mined the first 50 bitcoins—which came to be called the genesis block—on January 3, 2009. For a year or so, his creation remained the province of a tiny group of early adopters. But slowly, word of bitcoin spread beyond the insular world of cryptography. It has won accolades from some of digital currency’s greatest minds. Wei Dai, inventor of b-money, calls it “very significant”; Nick Szabo, who created bit gold, hails bitcoin as “a great contribution to the world”; and Hal Finney, the eminent cryptographer behind RPOW, says it’s “potentially world-changing.” The Electronic Frontier Foundation, an advocate for digital privacy, eventually started accepting donations in the alternative currency.

The small band of early bitcoiners all shared the communitarian spirit of an open source software project. Gavin Andresen, a coder in New England, bought 10,000 bitcoins for $50 and created a site called the Bitcoin Faucet, where he gave them away for the hell of it. Laszlo Hanyecz, a Florida programmer, conducted what bitcoiners think of as the first real-world bitcoin transaction, paying 10,000 bitcoins to get two pizzas delivered from Papa John’s. (He sent the bitcoins to a volunteer in England, who then called in a credit card order transatlantically.) A farmer in Massachusetts named David Forster began accepting bitcoins as payment for alpaca socks.

When they weren’t busy mining, the faithful tried to solve the mystery of the man they called simply Satoshi. On a bitcoin IRC channel, someone noted portentously that in Japanese Satoshi means “wise.” Someone else wondered whether the name might be a sly portmanteau of four tech companies: SAmsung, TOSHIba, NAKAmichi, and MOTOrola. It seemed doubtful that Nakamoto was even Japanese. His English had the flawless, idiomatic ring of a native speaker.

Perhaps, it was suggested, Nakamoto wasn’t one man but a mysterious group with an inscrutable purpose—a team at Google, maybe, or the National Security Agency. “I exchanged some emails with whoever Satoshi supposedly is,” says Hanyecz, who was on bitcoin’s core developer team for a time. “I always got the impression it almost wasn’t a real person. I’d get replies maybe every two weeks, as if someone would check it once in a while. Bitcoin seems awfully well designed for one person to crank out.”

Nakamoto revealed little about himself, limiting his online utterances to technical discussion of his source code. On December 5, 2010, after bitcoiners started to call for Wikileaks to accept bitcoin donations, the normally terse and all-business Nakamoto weighed in with uncharacteristic vehemence. “No, don’t ‘bring it on,’” he wrote in a post to the bitcoin forum. “The project needs to grow gradually so the software can be strengthened along the way. I make this appeal to Wikileaks not to try to use bitcoin. Bitcoin is a small beta community in its infancy. You would not stand to get more than pocket change, and the heat you would bring would likely destroy us at this stage.”

Then, as unexpectedly as he had appeared, Nakamoto vanished. At 6:22 pm GMT on December 12, seven days after his Wikileaks plea, Nakamoto posted his final message to the bitcoin forum, concerning some minutiae in the latest version of the software. His email responses became more erratic, then stopped altogether. Andresen, who had taken over the role of lead developer, was now apparently one of just a few people with whom he was still communicating. On April 26, Andresen told fellow coders: “Satoshi did suggest this morning that I (we) should try to de-emphasize the whole ‘mysterious founder’ thing when talking publicly about bitcoin.” Then Nakamoto stopped replying even to Andresen’s emails. Bitcoiners wondered plaintively why he had left them. But by then his creation had taken on a life of its own.

 

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How They’re Made

Bitcoin’s economy consists of a network of its users’ computers. At preset intervals, an algorithm releases new bitcoins into the network: 50 every 10 minutes, with the pace halving in increments until around 2140. The automated pace is meant to ensure regular growth of the monetary supply without interference by third parties, like a central bank, which can lead to hyperinflation.

How They’re Mined

To prevent fraud, the bitcoin software maintains a pseudonymous public ledger of every transaction. Some bitcoiners’ computers validate transactions by cracking cryptographic puzzles, and the first to solve each puzzle receives 50 new bitcoins. Bitcoins can be stored in a variety of places—from a “wallet” on a desktop computer to a centralized service in the cloud.

How They’re Spent

Once users download the bitcoin app to their machine, spending the currency is as easy as sending an email. The range of merchants that accept it is small but growing; look for the telltale

symbol at the cash register. And entrepreneurial bitcoiners are working to make it much easier to use the currency, building everything from point-of-service machines to PayPal alternatives.

“Bitcoin enthusiasts are almost evangelists,” Bruce Wagner says. “They see the beauty of the technology. It’s a huge movement. It’s almost like a religion. On the forum, you’ll see the spirit. It’s not just me, me, me. It’s what’s for the betterment of bitcoin.”

It’s a July morning. Wagner, whose boyish energy and Pantone-black hair belie his 50 years, is sitting in his office at OnlyOneTV, an Internet television startup in Manhattan. Over just a few months, he has become bitcoin’s chief proselytizer. He hosts The Bitcoin Show, a program on OnlyOneTV in which he plugs the nascent currency and interviews notables from the bitcoin world. He also runs a bitcoin meetup group and is gearing up to host bitcoin’s first “world conference” in August. “I got obsessed and didn’t eat or sleep for five days,” he says, recalling the moment he discovered bitcoin. “It was bitcoin, bitcoin, bitcoin, like I was on crystal meth!”

Wagner is not given to understatement. While bitcoin is “the most exciting technology since the Internet,” he says, eBay is “a giant bloodsucking corporation” and free speech “a popular myth.” He is similarly excitable when predicting the future of bitcoin. “I knew it wasn’t a stock and wouldn’t go up and down,” he explains. “This was something that was going to go up, up, up.”

For a while, he was right. Through 2009 and early 2010, bitcoins had no value at all, and for the first six months after they started trading in April 2010, the value of one bitcoin stayed below 14 cents. Then, as the currency gained viral traction in summer 2010, rising demand for a limited supply caused the price on online exchanges to start moving. By early November, it surged to 36 cents before settling down to around 29 cents. In February 2011, it rose again and was mentioned on Slashdot for achieving “dollar parity”; it hit $1.06 before settling in at roughly 87 cents.

In the spring, catalyzed in part by a much-linked Forbes story on the new “crypto currency,” the price exploded. From early April to the end of May, the going rate for a bitcoin rose from 86 cents to $8.89. Then, after Gawker published a story on June 1 about the currency’s popularity among online drug dealers, it more than tripled in a week, soaring to about $27. The market value of all bitcoins in circulation was approaching $130 million. A Tennessean dubbed KnightMB, who held 371,000 bitcoins, became worth more than $10 million, the richest man in the bitcoin realm. The value of those 10,000 bitcoins Hanyecz used to buy pizza had risen to $272,329. “I don’t feel bad about it,” he says. “The pizza was really good.”

Bitcoin was drawing the kind of attention normally reserved for overhyped Silicon Valley IPOs and Apple product launches. On his Internet talk show, journo-entrepreneur Jason Calacanis called it “a fundamental shift” and “one of the most interesting things I’ve seen in 20 years in the technology business.” Prominent venture capitalist Fred Wilson heralded “societal upheaval” as the Next Big Thing on the Internet, and the four examples he gave were Wikileaks, PlayStation hacking, the Arab Spring, and bitcoin. Andresen, the coder, accepted an invitation from the CIA to come to Langley, Virginia, to speak about the currency. Rick Falkvinge, founder of the Swedish Pirate Party (whose central policy plank includes the abolition of the patent system), announced that he was putting his life savings into bitcoins.

The future of bitcoin seemed to shimmer with possibility. Mark Suppes, an inventor building a fusion reactor in a Brooklyn loft from eBay-sourced parts, got an old ATM and began retrofitting it to dispense cash for bitcoins. On the so-called secret Internet (the invisible grid of sites reachable by computers using Tor anonymizing software), the black-and-gray-market site Silk Road anointed the bitcoin the coin of the realm; you could use bitcoins to buy everything from Purple Haze pot to Fentanyl lollipops to a kit for converting a rifle into a machine gun. A young bitcoiner, The Real Plato, brought On the Road into the new millennium by video-blogging a cross-country car trip during which he spent only bitcoins. Numismatic enthusiasts among the currency’s faithful began dreaming of collectible bitcoins, wondering what price such rarities as the genesis block might fetch.

As the price rose and mining became more popular, the increased competition meant decreasing profits. An arms race commenced. Miners looking for horsepower supplemented their computers with more powerful graphics cards, until they became nearly impossible to find. Where the first miners had used their existing machines, the new wave, looking to mine bitcoins 24 hours a day, bought racks of cheap computers with high-speed GPUs cooled by noisy fans. The boom gave rise to mining-rig porn, as miners posted photos of their setups. As in any gold rush, people recounted tales of uncertain veracity. An Alaskan named Darrin reported that a bear had broken into his garage but thankfully ignored his rig. Another miner’s electric bill ran so high, it was said, that police raided his house, suspecting that he was growing pot.

Amid the euphoria, there were troubling signs. Bitcoin had begun in the public-interested spirit of open source peer-to-peer software and libertarian political philosophy, with references to the Austrian school of economics. But real money was at stake now, and the dramatic price rise had attracted a different element, people who saw the bitcoin as a commodity in which to speculate. At the same time, media attention was bringing exactly the kind of heat that Nakamoto had feared. US senator Charles Schumer held a press conference, appealing to the DEA and Justice Department to shut down Silk Road, which he called “the most brazen attempt to peddle drugs online that we have ever seen” and describing bitcoin as “an online form of money-laundering.”

Meanwhile, a cult of Satoshi was developing. Someone started selling I AM SATOSHI NAKAMOTO T-shirts. Disciples lobbied to name the smallest fractional denomination of a bitcoin a “satoshi.” There was Satoshi-themed fan fiction and manga art. And bitcoiners continued to ponder his mystery. Some speculated that he had died. A few postulated that he was actually Wikileaks founder Julian Assange. Many more were convinced that he was Gavin Andresen. Still others believed that he must be one of the older crypto-currency advocates—Finney or Szabo or Dai. Szabo himself suggested it could be Finney or Dai. Stefan Thomas, a Swiss coder and active community member, graphed the time stamps for each of Nakamoto’s 500-plus bitcoin forum posts; the resulting chart showed a steep decline to almost no posts between the hours of 5 am and 11 am Greenwich Mean Time. Because this pattern held true even on Saturdays and Sundays, it suggested that the lull was occurring when Nakamoto was asleep, rather than at work. (The hours of 5 am to 11 am GMT are midnight to 6 am Eastern Standard Time.) Other clues suggested that Nakamoto was British: A newspaper headline he had encoded in the genesis block came from the UK-published Times of London, and both his forum posts and his comments in the bitcoin source code used such Brit spellings as optimise and colour.

Even the purest technology has to live in an impure world. Both the code and the idea of bitcoin may have been impregnable, but bitcoins themselves—unique strings of numbers that constitute units of the currency—are discrete pieces of information that have to be stored somewhere. By default, bitcoin kept users’ currency in a digital “wallet” on their desktop, and when bitcoins were worth very little, easy to mine, and possessed only by techies, that was sufficient. But once they started to become valuable, a PC felt inadequate. Some users protected their bitcoins by creating multiple backups, encrypting and storing them on thumb drives, on forensically scrubbed virgin computers without Internet connections, in the cloud, and on printouts stored in safe-deposit boxes. But even some sophisticated early adopters had trouble keeping their bitcoins safe. Stefan Thomas had three copies of his wallet yet inadvertently managed to erase two of them and lose his password for the third. In a stroke, he lost about 7,000 bitcoins, at the time worth about $140,000. “I spent a week trying to recover it,” he says. “It was pretty painful.” Most people who have cash to protect put it in a bank, an institution about which the more zealous bitcoiners were deeply leery. Instead, for this new currency, a primitive and unregulated financial-services industry began to develop. Fly-by-night online “wallet services” promised to safeguard clients’ digital assets. Exchanges allowed anyone to trade bitcoins for dollars or other currencies. Bitcoin itself might have been decentralized, but users were now blindly entrusting increasing amounts of currency to third parties that even the most radical libertarian would be hard-pressed to claim were more secure than federally insured institutions. Most were Internet storefronts, run by who knows who from who knows where.

Sure enough, as the price headed upward, disturbing events began to bedevil the bitcoiners. In mid-June, someone calling himself Allinvain reported that 25,000 bitcoins worth more than $500,000 had been stolen from his computer. (To this day, nobody knows whether this claim is true.) About a week later, a hacker pulled off an ingenious attack on a Tokyo-based exchange site called Mt. Gox, which handled 90 percent of all bitcoin exchange transactions. Mt. Gox restricted account withdrawals to $1,000 worth of bitcoins per day (at the time of the attack, roughly 35 bitcoins). After he broke into Mt. Gox’s system, the hacker simulated a massive sell-off, driving the exchange rate to zero and letting him withdraw potentially tens of thousands of other people’s bitcoins.

As it happened, market forces conspired to thwart the scheme. The price plummeted, but as speculators flocked to take advantage of the fire sale, they quickly drove it back up, limiting the thief’s haul to only around 2,000 bitcoins. The exchange ceased operations for a week and rolled back the postcrash transactions, but the damage had been done; the bitcoin never got back above $17. Within a month, Mt. Gox had lost 10 percent of its market share to a Chile-based upstart named TradeHill. Most significantly, the incident had shaken the confidence of the community and inspired loads of bad press.

In the public’s imagination, overnight the bitcoin went from being the currency of tomorrow to a dystopian joke. The Electronic Frontier Foundation quietly stopped accepting bitcoin donations. Two Irish scholars specializing in network analysis demonstrated that bitcoin wasn’t nearly as anonymous as many had assumed: They were able to identify the handles of a number of people who had donated bitcoins to Wikileaks. (The organization announced in June 2011 that it was accepting such donations.) Nontechnical newcomers to the currency, expecting it to be easy to use, were disappointed to find that an extraordinary amount of effort was required to obtain, hold, and spend bitcoins. For a time, one of the easier ways to buy them was to first use Paypal to buy Linden dollars, the virtual currency in Second Life, then trade them within that make-believe universe for bitcoins. As the tone of media coverage shifted from gee-whiz to skeptical, attention that had once been thrilling became a source of resentment.

More disasters followed. Poland-based Bitomat, the third-largest exchange, revealed that it had—oops—accidentally overwritten its entire wallet. Security researchers detected a proliferation of viruses aimed at bitcoin users: Some were designed to steal wallets full of existing bitcoins; others commandeered processing power to mine fresh coins. By summer, the oldest wallet service, MyBitcoin, stopped responding to emails. It had always been fishy—registered in the West Indies and run by someone named Tom Williams, who never posted in the forums. But after a month of unbroken silence, Wagner, the New York City bitcoin evangelist, finally stated what many had already been thinking: Whoever was running MyBitcoin had apparently gone AWOL with everyone’s money. Wagner himself revealed that he had been keeping all 25,000 or so of his bitcoins on MyBitcoin and had recommended to friends and relatives that they use it, too. He also aided a vigilante effort that publicly named several suspects. MyBitcoin’s supposed owner resurfaced, claiming his site had been hacked. Then Wagner became the target of a countercampaign that publicized a successful lawsuit against him for mortgage fraud, costing him much of his reputation within the community. “People have the mistaken impression that virtual currency means you can trust a random person over the Internet,” says Jeff Garzik, a member of bitcoin’s core developer group.

And nobody had been as trusted as Nakamoto himself, who remained mysteriously silent as the world he created threatened to implode. Some bitcoiners began to suspect that he was working for the CIA or Federal Reserve. Others worried that bitcoin had been a Ponzi scheme, with Nakamoto its Bernie Madoff—mining bitcoins when they were worthless, then waiting for their value to rise. The most dedicated bitcoin loyalists maintained their faith, not just in Nakamoto, but in the system he had built. And yet, unmistakably, beneath the paranoia and infighting lurked something more vulnerable, an almost theodical disappointment. What bitcoiners really seemed to be asking was, why had Nakamoto created this world only to abandon it?

If Nakamoto has forsaken his adherents, though, they are not prepared to let his creation die. Even as the currency’s value has continued to drop, they are still investing in the fragile economy. Wagner has advocated for it to be used by people involved in the Occupy Wall Street movement. While the gold-rush phase of mining has ended, with some miners dumping their souped-up mining rigs—”People are getting sick of the high electric bills, the heat, and the loud fans,” Garzik says—the more serious members of the community have turned to infrastructure. Mt. Gox is developing point-of-sale hardware. Other entrepreneurs are working on PayPal-like online merchant services. Two guys in Colorado have launched BitcoinDeals, an etailer offering “over 1,000,000 items.” The underworld’s use of the bitcoin has matured, too: Silk Road is now just one of many Tor-enabled back alleys, including sites like Black Market Reloaded, where self-proclaimed hit men peddle contract killings and assassinations.

“You could say it’s following Gartner’s Hype Cycle,” London-based core developer Amir Taaki says, referring to a theoretical technology-adoption-and-maturation curve that begins with a “technology trigger,” ascends to a “peak of inflated expectations,” collapses into a “trough of disillusionment,” and then climbs a “slope of enlightenment” until reaching a “plateau of productivity.” By this theory, bitcoin is clambering out of the trough, as people learn to value the infallible code and discard the human drama and wild fluctuations that surround it.

But that distinction is ultimately irrelevant. The underlying vulnerabilities that led to bitcoin’s troubles—its dependence on unregulated, centralized exchanges and online wallets—persist. Indeed, the bulk of mining is now concentrated in a handful of huge mining pools, which theoretically could hijack the entire network if they worked in concert.

Beyond the most hardcore users, skepticism has only increased. Nobel Prize-winning economist Paul Krugman wrote that the currency’s tendency to fluctuate has encouraged hoarding. Stefan Brands, a former ecash consultant and digital currency pioneer, calls bitcoin “clever” and is loath to bash it but believes it’s fundamentally structured like “a pyramid scheme” that rewards early adopters. “I think the big problems are ultimately the trust issues,” he says. “There’s nothing there to back it up. I know the counterargument, that that’s true of fiat money, too, but that’s completely wrong. There’s a whole trust fabric that’s been established through legal mechanisms.”

It would be interesting to know what Nakamoto thinks of all this, but he’s not talking. He didn’t respond to emails, and the people who might know who he is say they don’t. Andresen flatly denies he is Nakamoto. “I don’t know his real name,” he says. “I’m hoping one day he decides not to be anonymous anymore, but I expect not.” Szabo also denies that he is Nakamoto, and so does Dai. Finney, who has blogged eloquently about being diagnosed with amyotrophic lateral sclerosis, sent his denial in an email: “Under my current circumstances, facing limited life expectancy, I would have little to lose by shedding anonymity. But it was not I.” Both The New Yorker and Fast Company have launched investigations but ended up with little more than speculation.

The signal in the noise, the figure that emerges from the carpet of clues, suggests an academic with somewhat outdated programming training. (Nakamoto’s style of notation “was popular in the late ’80s and early ’90s,” Taaki notes. “Maybe he’s around 50, plus or minus 10 years.”) Some conjecturers are confident in their precision. “He has at best a master’s,” says a digital-currency expert. “It seems quite obvious it’s one of the developers. Maybe Gavin, just looking at his background.”

“I suspect Satoshi is a small team at a financial institution,” whitehat hacker Dan Kaminsky says. “I just get that feeling. He’s a quant who may have worked with some of his friends.”

But Garzik, the developer, says that the most dedicated bitcoiners have stopped trying to hunt down Nakamoto. “We really don’t care,” he says. It’s not the individuals behind the code who matter, but the code itself. And while people have stolen and cheated and abandoned the bitcoiners, the code has remained true.

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Social Media Ads As Effective As Broadcast TV

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By: Ron Rose

Social media ads are considered to be as effective at generating sales as broadcast TV ads, according to a survey of local ad agencies from Borrell Associates.

Based on a 5-point scale, broadcast TV emerged on top with an average rating of 3.22. However, that was only a hair ahead of social media, with its score of 3.17.

The next most effective media ads were email ads (3.09), direct mail (3.00), cable TV (2.99), radio (2.82), banner ads (2.68), outdoor (2.27), newspaper (2.26) and magazines (1.80), according to the study. A score of 3 or higher indicated Social media ads as effective as broadcast TVthat the media’s performance was “good” or better, while a score of 2 was considered “fair.”

The report also suggests that broadcast TV and social media are thought to have the highest ROI. Facebook is the clear winner among social platforms, with most not seeing Instagram, Snapchat or Twitter as effective (at least for local ad buyers).

Overall, Borrell’s study finds that a slight majority of local ad agencies feel that the best mix of advertising media leans mostly towards traditional, with some digital added.

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Hobe Sound Golf Club Names New Executive Chef

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Hobe Sound, Fla. (Oct. 5, 2017)… Hobe Sound Golf Club, a private golf club in southern Martin County, FL, has named Wayan Sutriasa as the new Executive Chef at HSGC.

Born and raised in Bali, Indonesia, Wayan Sutriasa was formerly trained and graduated from the “Epicurean School of Culinary Arts” in Los Angeles, CA in 1997 and has worked in a number of fine restaurants, hotels and clubs, including The Loxahatchee Club in Jupiter and Orchid Island Golf and Beach Club in Vero Beach, where he won first place in the Orchid Iron Chef Competition.

He is an active member of ACF, the American Culinary Federation. He also mastered Southeast Asian cuisine while working at The Mandarin Oriental Hotel in Hong Kong in 1993.

“I started as a cook and have worked my way up these past 17 years perfecting my craft,” said Chef Sutriasa. “I’m always learning new techniques and improving beyond my own knowledge as there is always something new to learn and new horizons to discover. I am very honored to join such a great Club and provide a high degree of satisfaction to the Hobe Sound Golf Club members,” he said.

The 2017-18 season at Hobe Sound Golf Club starts on Oct. 16. Golf and social memberships are available. Inquiries can be made to Membership Director Michele Blanco at (772) 545-3017 or mblanco@hobesoundgolfclub.com.

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Moving the Cloud Closer to the Business

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By: Andrew Froelich

We will soon reach the point where connectivity to cloud resources is going to become a serious issue in terms of real-time computing functions. So, how do we bring the cloud closer to us?

Having all the data in the world is worthless if we can’t quickly access and analyze it in real-time. The advent of cloud computing has solved many enterprise IT challenges in the wake of the digitization of the business landscape. Cloud elasticity, scalability and security allow organizations to accomplish things never thought possible, thanks to the elimination of massive up-front infrastructure costs.

This has led to big data analytics, the Internet of Things (IoT) and artificial intelligence (AI), among other new business practices. Yet with all the advancements inside the cloud, it leaves many of us with one final problem — connectivity to the cloud.

While bandwidth and latency can be managed with relative ease when working with private clouds and leased lines, most companies are moving toward the use of public clouds and the use of Internet broadband connections to access cloud content. This shift has led to an increase in the adoption of technologies such as WAN optimization and SD-WAN to help improve and control speed and latency in accessing the cloud.

Another issue to consider is that your end users are likely accessing company cloud resources outside the corporate LAN. More than ever before, workforces are becoming mobile. What this means is that cloud data must be accessible no matter who the user is, where they are located, or what device is used. This issue becomes incredibly complex for IT administrators because the use of the public cloud and Internet broadband technologies to access the cloud means they lack the ability to control the network between the end user and that cloud. The further away a user is from the cloud, the more likely they are to run into connectivity and latency problems that can impact the usefulness of a real-time application.

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Out2martincounty.com

Business Development Board of Martin County
Receives Excellence in Economic Development Award

Out2News.com

WASHINGTON, DC — The Business Development Board of Martin County (BDBMC) won a Silver Excellence in Economic Development Award for its “Martin County Business Page, a project in the category of Ad Campaign from the International Economic Development Council (IEDC).

The honor was presented at an awards ceremony on Tuesday, Sept. 19, during the IEDC Annual Conference.

“On behalf of the IEDC board of directors and Excellence in Economic Development Awards Advisory Committee, congratulations to the Business Development Board of Martin County. Not only did they work to provide a necessary service to their community; but also, their participation in the awards program sheds light on their stellar projects which other communities can now use as a benchmark.” – Michael Langley, FM, CEO of GREATER MSP, Minneapolis–St. Paul, MN, and 2017 IEDC Board Chair

“We are happy to accept this recognition and hope that other economic development organizations can mirror this concept to increase visibility for their local businesses” said Tim Dougher, Executive Director, BDBMC.

The BDB is the official economic development organization in Martin County, Florida, and is the creator of the Martin County Business Page. Working with The Stuart News, The Business Page was an opportunity to promote local companies that provide goods and services that add to the overall economy of the area. The BDBMC wanted to recognize the accomplishments of local businesses in order for residents to understand the importance of smart growth in Martin County.

“The awards process is a thorough, non-biased and multi-layered process. These are extraordinary accomplishments for all winners, and an overall great effort by all participants. We look forward to next year’s awards competition,” Langley said.

Out2martincounty.com

Is the Social Security Administration
still mailing Social Security Statements?

Out2News.comYour Social Security Statement provides important information about your Social Security record and future benefits. For several years, the Social Security Administration (SSA) mailed these statements every five years to people starting at age 25, but due to budgetary concerns, the SSA has stopped mailing Social Security Statements to individuals under age 60.

Workers age 60 and over who aren’t receiving Social Security benefits will still receive paper statements in the mail, unless they opt to sign up for online statements instead. If you’re age 60 or older, you should receive your statement every year, about three months before your birthday. The SSA will mail statements upon request to individuals under age 60.

However, the quickest way to get a copy of your Social Security Statement is to sign up for a my Social Security account at the SSA website, Once you’ve signed up, you’ll have immediate access to your statement, which you can view, download, or print. Statement information generally includes a projection of your retirement benefits at age 62, at full retirement age (66 to 67), and at age 70; projections of disability and survivor benefits; a detailed record of your earnings; and other information about the Social Security program.

The SSA has recently begun using a two-step identification method to help protect my Social Security accounts from unauthorized use and potential identity fraud. If you’ve never registered for an online account or haven’t attempted to log in to yours since this change, you will be prompted to add either your cell phone or email address as a second identification method. Every time you enter your account username and password, you will then be prompted to request a unique security code via the identification method you’ve chosen, and you need to enter that code to complete the log-in process.

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

WORKING IN RETIREMENT: WHAT YOU NEED TO KNOW

Out2News.comPlanning on working during retirement? If so, you’re not alone. Recent studies have consistently shown that a majority of retirees plan to work at least some period of time during their retirement years. Here are some points to consider.

Why work during retirement?

Obviously, if you work during retirement, you’ll be earning money and relying less on your retirement savings, leaving more to grow for the future. You may also have access to affordable health care, as more and more employers offer this important benefit to part-time employees. But there are also non-economic reasons for working during retirement. Many retirees work for personal fulfillment, to stay mentally and physically active, to enjoy the social benefits of working, and to try their hand at something new.

What about my Social Security benefit?

Working may enable you to postpone claiming Social Security until a later date. In general, the later you begin receiving benefit payments, the greater your benefit will be. Whether delaying the start of Social Security benefits is the right decision for you depends on your personal circumstances.

One factor to consider is whether you want to continue working after you start receiving Social Security retirement benefits, because your earnings may affect the amount of your benefit payment.

If you’ve reached full retirement age (66 to 67, depending on when you were born), you don’t need to worry about this — you can earn as much as you want without affecting your Social Security benefit. But if you haven’t yet reached full retirement age, $1 in benefits will be withheld for every $2 you earn over the annual earnings limit ($16,920 in 2017). A higher earnings limit applies in the year you reach full retirement age. If you earn more than this higher limit ($44,880 in 2017), $1 in benefits will be withheld for every $3 you earn over that amount, until the month you reach full retirement age — then you’ll get your full benefit no matter how much you earn. Yet another special rule applies in your first year of Social Security retirement — you’ll get your full benefit for any month you earn less than one-twelfth of the annual earnings limit ($1,410 in 2017) and you don’t perform substantial services in self-employment.

Not all income reduces your Social Security benefit. In general, Social Security only takes into account wages you’ve earned as an employee, net earnings from self-employment, and other types of work-related income such as bonuses, commissions, and fees. Pensions, annuities, IRA payments, and investment income won’t reduce your benefit.

Even if some of your benefits are withheld prior to your full retirement age, you’ll generally receive a higher monthly benefit starting at your full retirement age, because the Social Security Administration (SSA) will recalculate your benefit and give you credit for amounts that were withheld. If you continue to work, any new earnings may also increase your monthly benefit. The SSA reviews your earnings record every year to see if you had additional earnings that would increase your benefit.

One last important point to consider. In general, your Social Security benefit won’t be subject to federal income tax if that’s the only income you receive during the year. But if you work during retirement (or you receive any other taxable income or tax-exempt interest), a portion of your benefit may become taxable. IRS Publication 915 has a worksheet that can help you determine whether any part of your Social Security benefit is subject to income tax.

How will working affect my pension?

Some employers have adopted “phased retirement” programs that allow you to ease into retirement by working fewer hours, while also allowing you to receive all or part of your pension benefit. However, other employers require that you fully retire before you can receive your pension. And some plans even require that your pension benefit be suspended if you retire and then return to work for the same employer, even part-time. Check with your plan administrator.

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

Treasure Coast Referral Network Breakfast Tradition Town Hall

Out2News.com

PORT ST LUCIE — The mission of TREASURE COAST REFERRAL NETWORK is to help members increase their business through a semi-structured, positive, and professional “word-of-mouth” environment that enables them to develop long-term, meaningful relationships with quality business professionals.

This group meets twice per month. This “one-of” group (one per business classification exclusively) meet on the first and third Friday of each month.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshallout2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

Photo by Robin Hall – Out2News/Out2martincounty.com

“Martin county’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Referral Network Breakfast Tradition Town Hall

Out2News.com

PORT ST LUCIE — The mission of TREASURE COAST REFERRAL NETWORK is to help members increase their business through a semi-structured, positive, and professional “word-of-mouth” environment that enables them to develop long-term, meaningful relationships with quality business professionals.

This group meets twice per month. This “one-of” group (one per business classification exclusively) meet on the first and third Friday of each month.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshallout2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

Photo by Robin Hall – Out2News/Out2martincounty.com

“Martin county’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Referral Network Breakfast Tradition Town Hall

Out2News.com

PORT ST LUCIE — The mission of TREASURE COAST REFERRAL NETWORK is to help members increase their business through a semi-structured, positive, and professional “word-of-mouth” environment that enables them to develop long-term, meaningful relationships with quality business professionals.

This group meets twice per month. This “one-of” group (one per business classification exclusively) meet on the first and third Friday of each month.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshallout2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

Photo by Robin Hall – Out2News/Out2martincounty.com

“Martin county’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Referral Network Breakfast Tradition Town Hall

Out2News.com

PORT ST LUCIE — The mission of TREASURE COAST REFERRAL NETWORK is to help members increase their business through a semi-structured, positive, and professional “word-of-mouth” environment that enables them to develop long-term, meaningful relationships with quality business professionals.

This group meets twice per month. This “one-of” group (one per business classification exclusively) meet on the first and third Friday of each month.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshallout2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

Photo by Robin Hall – Out2News/Out2martincounty.com

“Martin county’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Referral Network Breakfast Tradition Town Hall

Out2News.com

PORT ST LUCIE — The mission of TREASURE COAST REFERRAL NETWORK is to help members increase their business through a semi-structured, positive, and professional “word-of-mouth” environment that enables them to develop long-term, meaningful relationships with quality business professionals.

This group meets twice per month. This “one-of” group (one per business classification exclusively) meet on the first and third Friday of each month.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshallout2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

Photo by Robin Hall – Out2News/Out2martincounty.com

“Martin county’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Referral Network Breakfast Tradition Town Hall

Out2News.com

PORT ST LUCIE — The mission of TREASURE COAST REFERRAL NETWORK is to help members increase their business through a semi-structured, positive, and professional “word-of-mouth” environment that enables them to develop long-term, meaningful relationships with quality business professionals.

This group meets twice per month. This “one-of” group (one per business classification exclusively) meet on the first and third Friday of each month.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshallout2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

Photo by Robin Hall – Out2News/Out2martincounty.com

“Martin county’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

Treasure Coast Referral Network Breakfast Tradition Town Hall

Out2News.com

PORT ST LUCIE — The mission of TREASURE COAST REFERRAL NETWORK is to help members increase their business through a semi-structured, positive, and professional “word-of-mouth” environment that enables them to develop long-term, meaningful relationships with quality business professionals.

This group meets twice per month. This “one-of” group (one per business classification exclusively) meet on the first and third Friday of each month.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshallout2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

Photo by Robin Hall – Out2News/Out2martincounty.com

“Martin county’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

Out2martincounty.com

TEST YOUR INVESTING IQ

Out2News.comHow much do you know about market basics? Put your investing IQ to the test with this quiz on stocks, bonds, and mutual funds.

Questions

1. What does it mean to buy stock in a company?

a. The investor loans money to the company

b. The investor becomes a part owner of the company

c. The investor is liable for the company’s debts

2. Which of the following statements about stock indexes is correct?

a. A stock index is an indicator of stock price movements

b. There are many different types of stock indexes

c. They can be used as benchmarks to compare the performance of an individual investment to a group of its peers

d. All of the above

3. What is a bond?

a. An equity security

b. A nonnegotiable note

c. A debt investment in which an investor loans money to an entity

4. What kind of bond pays no periodic interest?

a. Zero-coupon

b. Floating-rate

c. Tax-exempt

5. What is a mutual fund?

a. A portfolio of securities assembled by an investment company

b. An investment technique of buying a fixed dollar amount of a particular investment regularly

c. A legal document that provides details about an investment

6. What is the difference between mutual fund share classes?

a. The investment advisers responsible for managing each class

b. The investments each class makes

c. The fees and expenses charged by each fund class

Answers

1. b. The investor becomes a part owner of the company. Stocks are often referred to as equities because they represent an ownership position. As part owners, shareholders assume both the potential financial risks and benefits of this position, but without the responsibility of running the company.

2. d. All of the above. A stock index measures and reports value changes in representative stock groupings. A broad-based stock index represents a diverse cross-section of stocks and reflects movements in the market as a whole. The Dow Jones Industrial Average, NASDAQ Composite Index, and S&P 500 are three of the most widely used U.S. stock indexes. There are also more narrowly focused indexes that track stocks in a particular industry or market segment.

3. c. A debt investment in which an investor loans money to an entity. Unlike shareholders, bondholders do not have ownership rights in a company. Instead, investors who buy bonds are lending their money to the issuer (such as a municipality or a corporation) and thus become the issuer’s creditors.

4. a. Zero-coupon. Unlike many types of bonds, zero-coupon bonds pay no periodic interest. They are purchased at a discount, meaning the purchase price is lower than the face value. When the bond matures, the difference between the purchase price and that face value is the investment’s return.

5. a. A portfolio of securities assembled by an investment company. A mutual fund is a pooled investment that may combine dozens to hundreds of stocks, bonds, and other securities into one portfolio shared by many investors.

6. c. The fees and expenses charged by each fund class. A mutual fund may offer various share classes to investors, most commonly A, B, and C. This gives an investor the opportunity to select a share class best suited to his or her investment goals.

Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

CHART: YOUNG ADULT MILESTONES, 1975 VS. 2016

Out2News.comThe following pie charts compare four common milestones of adulthood — getting married, having children, working, and living independently — achieved by young adults ages 25 to 34 in 1975 and 2016. The data indicates that the experiences of young people today are more diverse, with fewer accomplishing all four milestones in young adulthood. Instead, many young adults are delaying or forgoing some experiences (marrying and having children) in favor of others (living independently and gaining work experience).

Out2News.com

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

WHAT IS A ROLLOVER IRA, AND DO I NEED ONE?

Out2News.comGenerally, the term “rollover IRA” refers to an IRA that you establish to receive funds from an employer retirement plan like a 401(k). A rollover IRA is also sometimes referred to as a “conduit IRA.”

When you roll funds over from an employer plan to an IRA, your financial institution may suggest that you use a rollover IRA to receive the funds. Of course, you can transfer those dollars to any other IRA you own at some future date, because there’s no legal requirement that you keep your plan distribution in a separate IRA. But even though separate IRAs are not legally required, there are at least two reasons to consider keeping your employer plan rollover separate from your contributory IRAs.

The first reason to maintain a separate rollover IRA deals with federal bankruptcy law. Your IRAs are protected from your creditors under federal law if you declare bankruptcy, but this protection is currently limited to $1.28 million for all your IRAs.1 The $1.28 million limit doesn’t apply, though, to amounts you roll over to an IRA from an employer plan, or any earnings on that rollover. These dollars are protected in full if you declare bankruptcy, just as they would have been in your employer’s plan. Obviously, it’s easier to track the amount rolled over, and any future earnings, if you keep those dollars separate from your contributory IRAs. So a rollover IRA may make sense if creditor protection is important to you.

The second reason to maintain a rollover IRA is that you might decide in the future that you want to roll your distribution back into a new employer’s plan. In the distant past, employer plans could accept rollovers only from rollover (conduit) IRAs — rollovers from contributory IRAs weren’t permitted. Now, however, employer plans can accept rollovers from both contributory IRAs and rollover IRAs.2 Despite this, employer plans aren’t required to accept rollovers, and they can limit the types of contributions they’ll accept. And while it’s becoming less common, some still accept rollovers only from rollover IRAs. So keep this in mind if you are contemplating a rollover back to an employer plan in the future.

1SEP and SIMPLE IRAs have unlimited protection under federal bankruptcy law.

2Nontaxable traditional IRA dollars can’t be rolled back into an employer plan.

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

NEW ENGLAND FISH MARKET EARNS
2017 TRIPADVISOR CERTIFICATE OF EXCELLENCE 6th YEAR

Out2News.com

​PALM CITY — New England Fish Market and Restaurant today announced that it has received a TripAdvisor® Certificate of Excellence for the sixth year in a row. Now in its seventh year, the achievement celebrates hospitality businesses that have earned great traveler reviews on TripAdvisor over the past year. Certificate of Excellence recipients include restaurants, accommodations and attractions located all over the world that have continually delivered a quality customer experience.

“Our entire New England Fish Market & Restaurant team is thrilled with the constancy of this achievement. We are proud of our great reputation, but we work hard at being better everyday,” said Bob Thesz, Restaurant General Manager of both Jensen Beach and Palm City locations.

“TripAdvisor is excited to announce the recipients of the 2017 Certificate of Excellence, which celebrates hospitality businesses that have consistently received strong praise and ratings from travelers,” said Heather Leisman, Vice President of Industry Marketing, TripAdvisor. “This recognition allows us to publicly honor businesses that are actively engaging with customers and using feedback to help travelers identify and confidently book the perfect trip.”

The Certificate of Excellence accounts for the quality, quantity and recency of reviews submitted by travelers on TripAdvisor over a 12-month period. To qualify, a business must maintain an overall TripAdvisor bubble rating of at least four out of five, have a minimum number of reviews and must have been listed on TripAdvisor for at least 12 months.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Out2martincounty.com

THE HEALTH-WEALTH CONNECTION

Out2News.comIt’s a vicious cycle: Money is one of the greatest causes of stress, prolonged stress can lead to serious health issues, and health issues often result in yet more financial struggles.¹ The clear connection between health and wealth is why it’s so important to develop and maintain lifelong plans to manage both.

The big picture

Consider the following statistics:

1. More than 20% of Americans say they have either considered skipping or skipped going to the doctor due to financial worries. (American Psychological Association, 2015)

2. More than half of retirees who retired earlier than planned did so because of their own health issues or to care for a family member. (Employee Benefit Research Institute, 2017)

3. Chronic diseases such as heart disease, type 2 diabetes, obesity, and arthritis are among the most common, costly, and preventable of all health problems. (Centers for Disease Control and Prevention, 2017)

4. Chronic conditions make you more likely to need long-term care, which can cost anywhere from $21 per hour for a home health aide to more than $6,000 a month for a nursing home. (Department of Health and Human Services, 2017)

5. A 65-year-old married couple on Medicare with median prescription drug costs would need about $265,000 to have a 90% chance of covering their medical expenses in retirement. (Employee Benefit Research Institute, 2017)

Develop a plan for long-term health …

The recommendations for living a healthy lifestyle are fairly straightforward: eat right, exercise regularly, don’t smoke or engage in other risky behaviors, limit soda and alcohol consumption, get enough sleep (at least seven hours for most adults), and manage stress. And before embarking on any new health-related endeavor, talk to your doctor, especially if you haven’t received a physical exam within the past year. Your doctor will benchmark important information such as your current weight and risk factors for developing chronic disease. Come to the appointment prepared to share your family’s medical history, be honest about your daily habits, and set goals with your doctor.

Other specific tips from the Department of Health and Human Services include:

Nutrition: Current nutritional guidelines call for eating a variety of vegetables and whole fruits; whole grains; low-fat dairy; a wide variety of protein sources including lean meats, fish, eggs, legumes, and nuts; and healthy oils. Some medical professionals are hailing the long-term benefits of the so-called “Mediterranean diet.” Details for a basic healthy diet and the Mediterranean diet can be found at health.gov/dietaryguidelines.

Exercise: Any physical activity is better than none. Inactive adults can achieve some health benefits from as little as 60 minutes of moderate-intensity aerobic activity per week. However, the ideal target is at least 150 minutes of moderate-intensity or 75 minutes of high-intensity workouts per week. For more information, visit health.gov/paguidelines.

… and long-term wealth

The recommendations for living a financially healthy life aren’t quite as straightforward because they depend so much on your individual circumstances. But there are a few basic principles to ponder:

Emergency savings: The amount you need can vary depending on whether you’re single or married, self-employed or work for an organization (and if that organization is a risky startup or an established entity). Typical recommendations range from three months’ to a year’s worth of expenses.

Retirement savings: Personal finance commentator Jean Chatzky advocates striving to save 15% of your income toward retirement, including any employer contributions. If this seems like a lofty goal, bear in mind that as with exercise, any activity is better than none — setting aside even a few dollars per pay period can lead to good financial habits. Consider starting small and then increasing your contributions as your financial circumstances improve.

Insurance: Make sure you have adequate amounts of health and disability income insurance, and life insurance if others depend on your income. You might also consider long-term care coverage.²

Health savings accounts: These tax-advantaged accounts are designed to help those with high-deductible health plans set aside money specifically for medical expenses. If you have access to an HSA at work, consider the potential benefits of using it to help save for health expenses.

If you’re looking for an advisor who can assist you in this time of change, give me a call.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

Out2martincounty.com

5 Questions You Should Ask Every Customer

Out2News.comBy: Ron Rose

Constantly seeking feedbaCk from your customers is a great way to learn how to market your business more effectively. If you’ve never done this before, do it immediately as it is one of the best ways to discover what you do that actually differentiates you from your competition.

I can’t tell you how many times I’ve worked with a small business that had no idea what its competitive advantage was until we heard it right from the mouths of happy customers. Seeking feedback is also a great way to get better and plug gaps. I can tell you that if you’re not receiving a large amount of your business by way of referral or word of mouth, you’ve probably got some gaps in your processes.

Below are five questions I like to pose to customers as they can provide a great discussion base for getting at what’s truly important to you and your customers. Create a form and get in the habit of surveying a handful of customers every month. I think you’ll be rewarded with tremendous insight and you’ll also find that your customers enjoy being asked what they think. One word of caution: Don’t accept vague answers like “you provide good service.” While that may be true and good to hear, you can’t work with that. Push a bit and ask what good service looks like and maybe even if they can tell you about a specific instance in which they felt they got good service.

1. What made you decide to hire us/buy from us in the first place?

This is a good baseline question for your marketing. It can get at how effective your advertising, message and lead conversion processes are working. I’ve also heard customers talk about the personal connection or culture that felt right in this question.

2. What’s one thing we do better than others you do business with?

In this question you are trying to discover something that you can work with as a true differentiator. This is probably the question you’ll need to work hardest at getting specifics. You want to look for words and phrases and actual experiences that keep coming up over and over again, no matter how insignificant they may seem to you. If your customers are explaining what they value about what you do, you may want to consider making that the core marketing message for your business.

3. What’s one thing we could do to create a better experience for you?

On the surface, this question could be looked at as a customer service improvement question, and it may be, but the true gold in this question is when your customers can identify an innovation. Sometimes we go along doing what we’ve always done and then out of the blue a customer says something like, “I sure wish it came like this,” and all of a sudden, it’s painfully clear how you can create a meaningful innovation to your products, services and processes. Push your customers to describe the perfect experience buying what you sell.

4. Do you refer us to others, and if so, why?

This is the ultimate question of satisfaction because a truthful answer means your customer likes the product and likes the experience of getting the product. (You can substitute service here, of course.) There’s an entire consulting industry cropping up around helping people discover what Fred Reichheld called the Net Promote

Score in his book The Ultimate Question.

Small businesses can take this a step deeper and start understanding specifically why they get referrals and perhaps the exact words and phrases a customer might use when describing to a friend why your company is the best.

5. What would you Google to find a business like ours?

This is the new lead generation question, but understanding what it implies is very important. If you want to get very, very good at being found online, around the world or around the town, you have to know everything you can about the actual terms and phrases your customers use when they go looking for companies like yours.

Far too often, businesses optimize their websites around industry jargon and technical terms when people really search for “stuff to make my life better.”Bonus: I’m a big fan of building strategic partnerships and networks. Another question I would suggest you get in the habit of asking your customer: “What other companies do you love to refer?” If you can start building a list of “best of class” companies, based on your customer’s say so, there’s a pretty good chance you’ve got a list of folks you should be building strategic relationships with. John Jantsch is a marketing consultant, speaker and author of Duct Tape Marketing, Duct Tape Selling, The Commitment Engine and The Referral Engineand the founder of the Duct Tape Marketing Consultant Network. His latest book, SEO for Growth: The Ultimate Guide for Marketers, Web Designers and Entrepreneurs,is changing the way the world thinks about search engine optimization.

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Access 365 Urgent Care Celebrates Ribbon Cutting

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In photo: Dr. Robert Mclaughlin, Mark Martin, Family, Friends, Staff and Ambassadors from both Palm City and Stuart/Martin County Chambers of Commerce celebrate ribbon ctting

Stuart — Access 365 is committed to the highest levels of service and quality care. It is our mission to improve how people experience healthcare.

Access 365 offers online check-in capabilities and can coordinate referral options when specialty or follow-up care is needed. We are dedicated to providing convenient, quality care that not only fits into the patient’s schedule, but is also an affordable alternative to the emergency room.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”. Do you have something to say, an event to talk about? An event you would like to have covered? Do it here! Email your story or request to: rshall@out2martincounty.com

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What Execs Should Know About Deep Learning

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Deep learning takes a step beyond machine learning, and it’s first killer app is computervision.

From Uber using past trips to predict its customers’ future habits to Facebook automatically tagging a picture you upload of your family, data is everywhere these days, and smart companies are using it to inform a better experience for their customers. Could the same be true for your company?

When it comes to making sense of big data, enterprises are heavily invested in machine learning. Simply put, machine learning uses algorithms to find patterns in data fed to it by humans. (There are resources out there for executives who want a high-level overview of this approach.)

Typically, machine learning deals with data that is relatively simple. This low-dimensional data, whether structured or unstructured, can be analyzed in light of a handful of factors. But eventually, companies started amassing a lot of highly complex data, things like images. That meant it was time for more sophisticated analytics tools. Enter deep learning.

“Wait,” you may be thinking. “I’ve been using those terms interchangeably. Aren’t they the same thing?” That is a pretty widespread assumption, but deep learning is exactly as it sounds, deeper.

Traditional machine learning requires humans to provide context for data — something called feature engineering — so a machine can make better predictions. Deep learning uses a layered approach to make better decisions by constantly curating the data it is fed. It simplifies feature engineering in many ways, putting more of the work on machines, and ever more complex, self-learning models. Essentially, deep learning can assess and categorize data like our five human senses, and then make correlations more akin to the human mind.

How can deep learning change your business?

So how do you know if deep learning is right for your business? For starters, you need a lot of data for it to work. It’s a powerful tool, but you need a really complex problem to use it effectively. The amount of data produced every day sits around 2.5 exabytes, and businesses now equate parsing through all this data as a solution to their business problems. And with deep learning, they now have smart machines to parse through their most complex, multidimensional data to gain new insights.

Deep learning is great for video, speech or images. Traditional machine learning models can’t make heads-or-tails of complex images, for example. Yet deep learning and its tool computervision, can, relatively easily, teach itself the difference between cats and dogs. Vision and image detection are great deep learning applications. With it, businesses can track sentiment from pictures on Instagram. Or it can build image recognition into apps, so users that want to re-purchase an item can simply capture it on the camera — a current feature of Amazon’s app — to place the item in their shopping cart.

Which industries stand to benefit the most from the deep learning revolution?

Above all other applications, deep learning holds the most immediate promise in healthcare. It is an industry full of visual data, and one that is on track to account for $1 out of every $5 spent in the United States. A lot of expensive and skilled procedures in healthcare involve imaging. From MRIs to CAT scans and even simple X-rays, doctors use visual observation to determine a diagnosis from a picture.

Deep learning currently excels at image recognition and can perform this task faster than humans. By showing a program millions, even billions, of scanned images and how they correlate with diagnosis, deep learning could take the human out of the loop, bringing the doctor back in to come up with a treatment plan.

Manufacturing is also going through a pivot, from simple, introductory automation to what the market is terming Industry 4.0. The factory of the future will see the convergence of many leading-edge fields like robotics, cloud computing, the internet of things and additive manufacturing. Instead of humans doing all the assembling, defect identification and the like, those tasks involving multi-dimensional data are passed through a deep learning algorithm that leverages sensor information to enable better decision making.

Lastly, retail is another area in which there is a lot of visual information. Some companies are honing in on exactly what types of clothes someone would like to purchase, using their previous style choices as a template for making recommendations. In the far future, retailers could provide shoppers with assistant bots that could interpret natural language and provide shoppers with a personalized shopping experience in-store.

As deep learning’s sophistication grows, it will be able to tackle more and more business challenges. For companies that are awash in data, especially images, videos and speech — and whose data scientist are strapped to deal with the data tsunami — they need to kick the tires on deep learning. There is simply too much promise for how it can optimize businesses for executives to ignore.

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DEP Southeast District Presents
First Superior Excellence Distinction (S.E.D.) Award
to Triumph Aerospace Structures

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In photo L to R: Jennifer Smith, DEP Southeast District director; Nick Drazic, general manager of Triumph Aerospace Structures – Stuart; and Dana Blackburn, Triumph Environmental, Safety and Health.

WEST PALM BEACH — Today, the Florida Department of Environmental Protection’s Southeast District recognized Triumph Aerospace Structures in Stuart for outstanding environmental stewardship and its exemplary commitment to implementing environmental management policies.

“On behalf of DEP and the State of Florida, I am thrilled to recognize Triumph Aerospace Structures for their environmental stewardship. They have demonstrated significant and measurable achievements that provide a direct benefit to the environment,” said Jennifer Smith, director of DEP’s Southeast District. “Triumph actively promotes environmentally responsible practices, which in turn helps us to better accomplish our goal of protecting Florida’s natural resources.”

Representatives from Triumph Aerospace Structures were on hand to accept the award. “Triumph’s Stuart location is honored that this award acknowledges our unwavering dedication to environmental safety, which includes assigning a senior level manager to spearhead all environmental activities each month,” said Nick Drazic, general manager of Triumph Aerospace Structures – Stuart. “Dana Blackburn from Triumph Environmental, Safety and Health has been instrumental in getting management and employees involved to maintain our high level of environmental stewardship, and we are proud that our collective efforts have been noticed by the Florida DEP.”

The award was presented during the district’s annual open house aimed at growing the community’s awareness of the agency’s mission, increasing communication and developing collaborative relationships with the community. Southeast District staff enjoyed welcoming customers and stakeholders throughout the region to the open house. Over 150 people attended representing local government, industry, utilities and more. Guests were invited to meet the district’s staff and Director Jennifer Smith. Permitting and compliance experts from each of the district’s regulatory programs – waste, air, water and environmental resources – were on hand to answer questions and provide information about their respective programs.

Triumph Aerospace Structures is the first organization to be recognized under the Southeast District’s new Superior Excellence Distinction Award Program. The program was developed to support DEP’s vision of creating strong community partnerships, safeguarding Florida’s natural resources and enhancing its ecosystems.

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DON’T FORGET TO INCLUDE MEMORY LOSS
WHEN PLANNING FOR RETIREMENT

Out2News.comWhen planning for retirement, an important factor that is often overlooked is the potential for declining cognitive skills associated with aging. Cognitive impairment (CI), often attributable to dementia or Alzheimer’s disease, can have profound implications for your overall health and well-being, particularly during retirement. The cost of care can absorb income and significantly deplete retirement savings. It can also deprive you of the ability to effectively manage your financial affairs.
Cognitive impairment — a growing concern

The possibility of suffering from some form of cognitive impairment later in life is real. Dementia affects approximately 2.4 to 5.5 million Americans. Its prevalence increases with age: 5% in persons ages 71 to 79, 24% in those ages 80 to 89, and 37% in those 90 and older.1 One in eight adults age 60 and older (12.7%) experiences confusion or memory loss that is happening more often or getting worse. Unfortunately, among these individuals, only 19.3% discuss these changes with a health-care provider. Additionally, 34.5% of those affected by CI live alone.2
Financial impact of the cost of care

Dementia, including Alzheimer’s, is the most costly disease in the United States and is set to increase like no other. In 2016, Alzheimer’s and other forms of dementia will cost the United States an estimated $236 billion. By 2050, this number is expected to grow to more than $1.2 trillion. Among all nursing home residents, more than 64% have been diagnosed with Alzheimer’s or another dementia. Alzheimer’s is the sixth highest cause of death in the United States.3

Unfortunately, those suffering from advanced stages of cognitive impairment often require long-term care. The cost of care can quickly deplete your retirement savings and affect the quality of life for you and your family, leaving little or no income or savings. Average costs of long-term care include the following:4

$6,235 per month, or $74,820 per year, for a semi-private room in a nursing home
$6,965 per month, or $83,580 per year, for a private room in a nursing home
$3,293 per month for a one-bedroom unit in an assisted living facility
$21 per hour for a home health aide
$19 per hour for homemaker services
$67 per day, or roughly $2,010 per month, for services in an adult day health-care center

The cost of long-term care depends on the type and duration of care you need, the health-care provider you use, and where you live. While one-third of 65-year-olds may never need long-term care, 20% will need it for more than five years.5
Loss of ability to manage finances

Your financial plan should consider not only the potential cost of care if you or your spouse suffer from cognitive impairment, but also determine who will make financial decisions about your care.

Even if you suffer from mild cognitive impairment (MCI), you may find it more difficult to manage investments or a household budget. If you are the primary money manager and experience declining cognitive skills, your spouse could be left financially vulnerable.
Make it part of your plan

A comprehensive financial and legal plan is important. It is helpful to prepare as early as possible. Some families use the services of an elder law attorney.

There may come a time when you can no longer make decisions for yourself, including financial and health-care decisions. This can create a hardship for a caregiver trying to conduct financial transactions and make medical decisions. Several types of legal documents can be written before they are needed to help you and family members through this difficult time. These documents include, but are not limited to, an advance medical directive, a medical power of attorney or health-care proxy, and a durable power of attorney, which allows a representative or agent to make financial decisions and transactions on your behalf, should you become unable to do so.

There are generally three ways to pay for long-term care expenses: use your own income and savings, share the cost of care through some form of private insurance, and/or seek the assistance of state or federal government programs, such as Medicare and Medicaid. The choices you make will likely depend on several factors, including your financial and family situation, your age, and your state of residence. In any case, it’s wise to consider the ramifications of cognitive impairment when planning for retirement.

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***Book Review***

Don’t Be That KID!

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“Lois McGuire has created an engaging way through rhymes for elementary-age children to talk about and then address positive character behaviors. I purchased a Don’t Be That KID! At School book for each of my grandchildren and a resource guide for their parents.” Bill P., Grandfather of 5

“The Don’t Be That KID! At School Resource Guide provides my teachers with a year-long plan that supports their students in engaging in positive behaviors and social interactions. Both the book and the resource guide are invaluable tools to help our students feel confident and our classrooms feel secure.” Lauren B., Principal.

These are just two testimonials concerning Lois McGuire’s new character education books: Don’t Be That KID! At School and the Don’t Be That KID! At School Resource Guide. Dr. McGuire feels that building positive character values is as important as teaching core subject areas. She says, “What good is being an ‘A’ student if you aren’t an ‘A’ person? Parents and teachers need to work together to infuse the key character education principles into their children’s daily lives. Make no mistake about it, character in not just innate – it can be taught and learned which is why I wrote Don’t Be That KID! At School.”

Don’t Be That KID! At School is about a little goat who misbehaves at school but ultimately learns his lesson. Each scene provides an opportunity to discuss character building values, such as honesty, consideration, responsibility and respect. The “Don’t Be That KID! At School Resource Guide accompanies the book but can be used independently by teachers and parents to help reinforce desired behaviors and character education principles. Although separated into appropriate activities for grades K-1, 2-3 and 4-5, the Guide can easily be adapted for all ages and abilities.

Learn more about Don’t Be That KID! At School and the Don’t Be That KID! At School Resource Guide by going to the website: dontbethatkid.net Both books can be purchased through the website or through Amazon.com and Barnes & Noble .com.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2martincounty.com

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“Martin County’s Photo Journal”

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Organic Solutions Hosts Three Chamber Celebration
And Three Chamber Business After Hours

Out2News.com

Stuart — Sustainability is a word that is often used but largely misunderstood. To Organic Solutions “sustainability” comes down to one very basic principle… It means creating healthy landscapes that improve the quality of the environment, make economic sense, and result in beautiful places for people to gather and enjoy their families, friends and neighbors.

Sustainability in landscaping is based upon three key considerations: social, environmental, and economic impacts. The goal is to create healthy, regenerative landscapes that are economically viable. The result is reduced labor and materials and lower long-term maintenance costs. Sustainable landscaping saves money while also preserving, and in some cases, saving the environment.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Dick Hall Out2News/Out2Martin County.com

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Dolphin Bar and Shrimp House
Hosts March “Women’s Power Lunch

Out2News.com

In photo: Author Lois McGuire tells her story and sells her book

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, celebrating their 15th year of connecting powerful women in business at Dolphin Bar and Shrimp House.

The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

Schafer says of the groups’ members; “You have made the Power Lunch what it has become, and what it will grow to be! Be who you are, present a message, and join in! This is a ladies’ group that provides networking and support, the two basic elements that make it the huge success it is today!”

What began as an afternoon luncheon for ten friends, has grown into a calling list of over three hundred women, and an attendance of over one hundred women at the monthly luncheons. Anne Schafer, the founder of the Ladies Power Lunch, attributes the success of the group to great networking and support for one another!

The energy that they all have is wonderful! The friendship and service given is awesome! As they go into their tenth year they look forward to many new friendships, togetherness, much laughter, meeting and greeting many, more women of interest ………….” we have much to be thankful for!”

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Robin Hall Out2News/Out2martincounty.com

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rshall@out2news.com/martincounty

Lets Talk About getting YOU on Out2News TV

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Treasure Coast Hospice & Author Harriet Vogel
Host Stuart/Martin County Chamber March Business Breakfast

Out2News.com

In photo: Thanks to Harriet Vogel, author of “Sad Is Not Bad”, our guest Speaker. Take a look below and see her appearance on Out2News TV

Stuart — Life is a process of letting go – letting go of conditions we can’t control, letting go of times, places, experiences, and letting go of people as they move out of our lives.

Through her book, professional counseling, and speaking engagements, Harriet seeks to ease the grieving journey – revealing opportunities for growth we hadn’t imagined.

When you and your family face serious health issues, you need answers. We are here to help you make choices that work for you, and we provide a support system of comprehensive care to honor those choices.

We are a community-based, not-for-profit healthcare organization serving Florida’s Martin and St. Lucie counties.

We specialize in palliative care – a holistic approach that aggressively seeks to alleviate both physical and emotional discomfort associated with chronic and serious illness. With more than 30 years of experience in enhancing quality of life, we know that each situation is different. Our expert team of doctors, clinicians and counselors work together to develop individualized care to meet the unique needs of each person and family. Our specialized services also extend to families and loved ones who are dealing with grief and loss.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2martincounty.com

Photo by: Dick Hall Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2martincounty.com

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401(K) WITHDRAWALS: BEWARE THE PENALTY TAX

Out2News.comYou’ve probably heard that if you withdraw taxable amounts from your 401(k) or 403(b) plan before age 59½, you may be socked with a 10% early distribution penalty tax on top of the federal income taxes you’ll be required to pay. But did you know that the Internal Revenue Code contains quite a few exceptions that allow you to take penalty-free withdrawals before age 59½?

Sometimes age 59½ is really age 55…or age 50

If you’ve reached age 55, you can take penalty-free withdrawals from your 401(k) plan after leaving your job if your employment ends during or after the year you reach age 55. This is one of the most important exceptions to the penalty tax.

And if you’re a qualified public safety employee, this exception applies after you’ve reached age 50. You’re a qualified public safety employee if you provided police protection, firefighting services, or emergency medical services for a state or municipality, and you separated from service in or after the year you attained age 50.

Be careful though. This exception applies only after you leave employment with the employer that sponsored the plan making the distribution. For example, if you worked for Employer A and quit at age 45, then took a job with Employer B and quit at age 55, only distributions from Employer B’s plan would be eligible for this exception. You’ll have to wait until age 59½ to take penalty-free withdrawals from Employer A’s plan, unless another exception applies.

Think periodic, not lump sums

Another important exception to the penalty tax applies to “substantially equal periodic payments,” or SEPPs. This exception also applies only after you’ve stopped working for the employer that sponsored the plan. To take advantage of this exception, you must withdraw funds from your plan at least annually based on one of three rather complicated IRS-approved distribution methods.

Regardless of which method you choose, you generally can’t change or alter the payments for five years or until you reach age 59½, whichever occurs later. If you do modify the payments (for example, by taking amounts smaller or larger than required distributions or none at all), you’ll again wind up having to pay the 10% penalty tax on the taxable portion of all your pre-age 59½ SEPP distributions (unless another exception applies).

And more exceptions…

Distributions described below generally won’t be subject to the penalty tax even if you’re under age 59½ at the time of the payment.

• Distributions from your plan up to the amount of your unreimbursed medical expenses for the year that exceed 10% of your adjusted gross income for that year (You don’t have to itemize deductions to use this exception, and the distributions don’t have to actually be used to pay those medical expenses.)

• Distributions made as a result of your qualifying disability (This means you must be unable to engage in any “substantial gainful activity” by reason of a “medically determinable physical or mental impairment which can be expected to result in death or to be of long-continued and indefinite duration.”)

• Certain distributions to qualified military reservists called to active duty

• Distributions made pursuant to a qualified domestic relations order (QDRO)

• Distributions made to your beneficiary after your death, regardless of your beneficiary’s age

Keep in mind that the penalty tax applies only to taxable distributions, so tax-free rollovers of retirement assets are not subject to the penalty. Also note that the exceptions applicable to IRAs are similar to, but not identical to, the rules that apply to employer plans.

Steven W Landwersiek is a Registered Representative with and Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC

6530 S. Kanner Hwy | Stuart, FL, 34997-6396

Office: 772.233.4315 | Fax: 772.233.4316

steve@laaipg.com / Steven.landwersiek@lpl.com

http://www.laaipg.com/

 

 

 

 

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Trouble Selling? Try These Fixes

Out2News.comBy: Todd Doss

If you have had your home on the market for several months in Jensen Beach and haven’t seen much activity or any offers, chances are that one or more of the reasons below are to blame.

Problem: Your price is too high
Solution: Regardless of the reason, if you’ve priced your home too high, you’ve set yourself up for a number of obstacles to selling your home. The fact is this: your home is competing against those other homes, and what buyers are willing to pay is what will determine final sale price. Competitive pricing attracts more buyers and more offers.

Problem: The look of your home
Solution: The more you can do to make your home appeal to buyers, the better your chances for a quick sale. Your best “bang for the buck” is in paint and flooring. Repainting doesn’t cost much, and will usually make the biggest impact on buyers. And, you should consider putting in new carpet. Again, it’s not that expensive but it sure does make an impact on buyers coming to look at your home.

Problem: Your home’s location
Solution: The only really reliable way to overcome a bad location is with a lower price. It’s the oldest real estate cliché, but it’s true. Things like schools, crime rates, visual appeal of the neighborhood, noise and the smell of pollution affect how the desirability of the location.

Problem: Your home isn’t easily accessible
Solution: When an agent is compiling a list of homes to show a buyer, they’ll show houses that are easiest to gain access to first. You should let your agent put a lock box on your home for easier showing. If not, do anything you can to make it convenient for agents to show your home.

What this all comes down to is having a real estate agent who is on your side and helps you make good choices about selling your home. Pick someone with great industry relationships that makes you feel confident and comfortable with selling your home.

If you or someone you know needs a real estate agent, just give me a call or shoot me an e-mail.

Out2martincounty.com

Intelligence Report

Out2news.comBuild trust in your marketing messages through the use of repetition. Researchers conducted a survey that asked participants to rate how much they trusted a statement. Some statements were repeated multiple times, while others were stated only once. The study found that people consistently rated the repeated statements as more trustworthy. Previous studies have found similar results. How can you use this knowledge in copywriting? Try the classic Dale Carnegie technique: Tell the audience what you’re going to say, say it; then tell them what you’ve said. Within your copy, repeat the statements you most want your audience to believe and remember. Source: blog.kissmetrics.com

If you’re ever put on the spot to give an impromptu speech, use this simple format that will fit just about any business situation. Just remember these two words: Problem/Solution. Here’s how to go about it: 1) Problem: “We’re falling behind our major competitor. Here’s the situation.” Then give one or two examples. 2) Solution: “Here’s how we can regain our leadership position.” Then give an example. This format will give you instant focus for organizing your remarks into a commendable 3-minute speech that can be prepared in moments. Source: www.gramcomm.com

When negotiating a contract, ask for every no-cost or inexpensive option you can get. For example, when leasing a property, ask for an option to sublease even if you have no plans to do that. When committing to a longterm purchase contract, get an option to resell the goods you buy even if you intend to use them yourself. The other party usually is willing to give them away because they appear to be irrelevant to the deal — but sometimes they become very valuable later on. Source: www.journalofaccountancy.com

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Palm City Chamber Welcomes New Member:

“Resurface Specialist.com”

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Out2News.comKitchen and Bath Remodeling…most homeowners dread this long, drawn-out and expensive process. But, when you hire Resurface Specialist, it can be quick and affordable. Owner Pat Golinski explains, “After many years in the industry we have streamlined our process to allow us to change the color of a tub and tile bathroom in just one day. We usually save our customers thousands of dollars and weeks of time. We can offer the same results with a kitchen counter and tile backsplash.”

Pat got his start at a high-end classic car restoration shop in New England when he was just 17 years old. “I still use those skills and have applied them to Resurface Specialist.” That was over 30 years ago. Pat still restores classic cars, but just as a hobby.

Today, Resurface Specialist is known for their exceptional refinishing work. But along with refinishing work, Pat helps people with mobility issues by altering their bathtubs to make them a step-in shower. “I love helping people stay in their homes longer. This is a quick and affordable way to do so, and it only takes about 4 hours.”

Hiring an experienced professional is very important in refinishing. “We are “A-rated” on Angie’s List and won the Super Service Award for 2015. We stand behind everything we do!”

Kitchen and Bath Remodeling…most homeowners dread this long, drawn-out and expensive process. But, when you hire Resurface Specialist, it can be quick and affordable. Owner Pat Golinski explains, “After many years in the industry we have streamlined our process to allow us to change the color of a tub and tile bathroom in just one day. We usually save our customers thousands of dollars and weeks of time. We can offer the same results with a kitchen counter and tile backsplash.”

Pat got his start at a high-end classic car restoration shop in New England when he was just 17 years old. “I still use those skills and have applied them to Resurface Specialist.” That was over 30 years ago. Pat still restores classic cars, but just as a hobby.

Today, Resurface Specialist is known for their exceptional refinishing work. But along with refinishing work, Pat helps people with mobility issues by altering their bathtubs to make them a step-in shower. “I love helping people stay in their homes longer. This is a quick and affordable way to do so, and it only takes about 4 hours.”

Hiring an experienced professional is very important in refinishing. “We are “A-rated” on Angie’s List and won the Super Service Award for 2015. We stand behind everything we do!”

So if you are looking for a cost-effective and time-saving solution to updating your kitchen or bath, consider giving Resurface Specialist a call. (772)678-9758 or on the web at www.resurfacespecialist.com

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Congratulations To Laurie Gaylord for Superintendent

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In photo: Welcome new member Evie Klaussen from Colorado Pawn and Jewelry

Stuart — Originally founded in 1924 as “Ace Stores”, the company changed its name to “Ace Hardware Corporation” in 1931 ansd is a retailer-owned cooperative.

In 2014 and 2015, Ace launched its wholesale distribution network.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

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In photo: Congratulations to Gigi Suntum from 4 C’s our July Ambassador of the Month

Palm City — As a chiropractor, Dr Lisa Grassam/Smith gets to help people who suffer from a variety of health issues. Naturally, chiropractic helps traditional neck and back problems, but chiropractic has also produced wonderful results with a variety of organic and systemic problems. Chiropractic is safe. Chiropractic is natural. And Chiropractic works!

“My practice philosophy is to treat people as I would want to be treated. A good doctor should have a great ear. My objective is to restore each patient’s health to the best of my ability and teach people how to optimize their health using exercise, nutrition, and chiropractic.”

In August 2013, SFWMD approved the Water Farming Pilot Project known as “Caulkins”, located in Indiantown, Florida, a public/private partnership with Caulkins Citrus Company. The Caulkins property is uniquely located adjacent to C-44, below the Okeechobee locks, but above the S-80 discharge facility.

Since becoming operational in February 2014, this project has stored 20,000 acre-feet (and acre foot is 327,000 gallons), or 6.5 billion gallons, of water taken from the C-44 canal across its 413 acre footprint, removing this water and its pollutants, Nitrogen and Phosphorus, from the basin and reducing discharges to the St. Lucie Estuary and Indian River Lagoon.

Water Farming is an alternative water storage method. The “Caulkins” pilot program has proven to be a highly efficient, cost effective method of collecting, storing and “farming” water through transvaporation, percolation and evaporation. It is an alternative water storage facility that adds to, and supplements, other existing and proposed water retention, storage and diversion projects designed to reduce destructive discharges from Lake Okeechobee and local drainage.

The Caulkins Water Farm proposes to expand its existing 413 acre “pilot project”, already operating successfully on a portion of the fallow citrus groves that comprised Caulkins Citrus Company, to its entire 3300 acres. This expansion will create a large, shallow water storage facility, capable of receiving water diverted from the C-44 reducing the need to discharge, or waste the water to tide. Based on scientific monitoring, it can be estimated that approximately 70-80,000 ac-ft of water could be “harvested” from the C-44 and treated and captured within the 3000 acres available for expansion of the pilot.

The St. Lucie River Watershed Protection Plan estimated that 200,000 ac-ft of storage are needed within the basin to reduce discharge events by 90% annually. An expanded “Caulkins” satisfies almost 50% of that need.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

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In photo: Thank you Dr. Lisa Grassam/Smith for sponsoring our July breakfast

Palm City — As a chiropractor, Dr Lisa Grassam/Smith gets to help people who suffer from a variety of health issues. Naturally, chiropractic helps traditional neck and back problems, but chiropractic has also produced wonderful results with a variety of organic and systemic problems. Chiropractic is safe. Chiropractic is natural. And Chiropractic works!

“My practice philosophy is to treat people as I would want to be treated. A good doctor should have a great ear. My objective is to restore each patient’s health to the best of my ability and teach people how to optimize their health using exercise, nutrition, and chiropractic.”

In August 2013, SFWMD approved the Water Farming Pilot Project known as “Caulkins”, located in Indiantown, Florida, a public/private partnership with Caulkins Citrus Company. The Caulkins property is uniquely located adjacent to C-44, below the Okeechobee locks, but above the S-80 discharge facility.

Since becoming operational in February 2014, this project has stored 20,000 acre-feet (and acre foot is 327,000 gallons), or 6.5 billion gallons, of water taken from the C-44 canal across its 413 acre footprint, removing this water and its pollutants, Nitrogen and Phosphorus, from the basin and reducing discharges to the St. Lucie Estuary and Indian River Lagoon.

Water Farming is an alternative water storage method. The “Caulkins” pilot program has proven to be a highly efficient, cost effective method of collecting, storing and “farming” water through transvaporation, percolation and evaporation. It is an alternative water storage facility that adds to, and supplements, other existing and proposed water retention, storage and diversion projects designed to reduce destructive discharges from Lake Okeechobee and local drainage.

The Caulkins Water Farm proposes to expand its existing 413 acre “pilot project”, already operating successfully on a portion of the fallow citrus groves that comprised Caulkins Citrus Company, to its entire 3300 acres. This expansion will create a large, shallow water storage facility, capable of receiving water diverted from the C-44 reducing the need to discharge, or waste the water to tide. Based on scientific monitoring, it can be estimated that approximately 70-80,000 ac-ft of water could be “harvested” from the C-44 and treated and captured within the 3000 acres available for expansion of the pilot.

The St. Lucie River Watershed Protection Plan estimated that 200,000 ac-ft of storage are needed within the basin to reduce discharge events by 90% annually. An expanded “Caulkins” satisfies almost 50% of that need.

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”

The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

Photo by: Dick Hall Out2News/Out2Martin County.com

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This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2news.com/martincounty

 

Palm City Chamber of Commerce Business After Hours at the Home Design Center of Florida

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In photo: Bianca Fathauer welcomes Chamber members to July business after hours

Stuart -The Home Design Center of Florida and you will experience a one stop shop when it comes to kitchen design and remodeling. Experience the latest styles in kitchen, and flooring design from the industry’s leading manufacturers.

The showroom experience is created to be a one-on-one intimate interaction where our experts can give the time and energy each project deserves. Our customers come back to us for the same reason every time: the people. Not only do we offer experts to help you in your home remodel, but we set a purpose to have the proper amount of time to make sure the end result of each project exceeds the expectation of our customer every time.

Services Provided: Kitchen and bathroom remodeling, countertops, painting, flooring, rough and finish carpentry,

Areas Served: Treasure Coast, Indian River & Palm Beach County

Certifications and Awards: Certified IICRC Water Technician

Our Mission at the Palm City Chamber is “To serve as the principle advocate of the community and its businesses, acting as the catalyst in promoting the economic development of the Palm City area, stimulating jobs and improving the quality of life.”The Palm City Chamber is the only Chamber on the Treasure Coast that offers private tours of member businesses exclusively to their members.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

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Photo by: Dick Hall Out2News/Out2Martin County.com

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Dolphin Bar and Shrimp House

Hosts “Women’s Power Lunch”

 

In photo: June Hostess for the month Anne Warner

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, celebrating their 15th year of connecting powerful women in business at Dolphin Bar and Shrimp House.

The Dolphin Bar & Shrimp House location is intrinsically unique, as it sits over-hanging the river’s edge. This special touch came when it was built by the famous historic movie star, Frances Langford. With such an appropriate placement, it gives it’s customers the most spectacular panoramic views. These exceptional views span from the Stuart Causeway all the way up the river to the Jensen Beach Causeway Bridge. Incorporate the restaurant’s superb location with The Dolphin’s signature dish, The Dolphin a la Dolphin, and it is easy to feel the impact of these surroundings.

Schafer says of the groups’ members; “You have made the Power Lunch what it has become, and what it will grow to be! Be who you are, present a message, and join in! This is a ladies’ group that provides networking and support, the two basic elements that make it the huge success it is today!”

What began as an afternoon luncheon for ten friends, has grown into a calling list of over three hundred women, and an attendance of over one hundred women at the monthly luncheons. Anne Schafer, the founder of the Ladies Power Lunch, attributes the success of the group to great networking and support for one another!

The energy that they all have is wonderful! The friendship and service given is awesome! As they go into their tenth year they look forward to many new friendships, togetherness, much laughter, meeting and greeting many, more women of interest ………….” we have much to be thankful for!”

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: rshall@out2news.com/martincounty

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This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2news.com/martincounty

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Toastmasters Stuart/Martin County Chamber of Commerce® “Communicators” Hosts Stuart/Martin County Chamber

Networking Breakfast

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Stuart — The environment in a Toastmasters club is friendly and supportive. Everyone at a Toastmasters meeting feels welcome and valued – from complete beginners to advanced speakers. In a club meeting, you practice giving prepared speeches as well as brief impromptu presentations, known as Table Topics. There is no rush and no pressure: The Toastmasters program allows you to progress at your own pace.

Constructive evaluation is central to the Toastmasters philosophy. Each time you give a prepared speech, an evaluator will point out strengths as well as suggest improvements. Receiving – and giving – such feedback is a great learning experience. In Toastmasters, encouragement and improvement go hand-in-hand.

Through its worldwide network of clubs, Toastmasters helps nearly 280,000 people communicate effectively and achieve the confidence to lead others.

Whether you own a business, represent one, lead a corporate office, or manage an association, the Stuart/Martin County Chamber of Commerce® provides you with a voice of experience and influence locally as well as in Tallahassee. Our core mission is to fight for business and free enterprise before the State Legislature, the Governor’s mansion, regulatory agencies, the courts and the court of public opinion.

From its headquarters on Kanner Highway, the Chamber maintains a professional energetic staff representing you.

Our members include businesses of all sizes and sectors—from large Fortune 500 companies to home-based, one-person operations. In fact, 96% of our membership encompasses businesses with fewer than 50 employees.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2news.com/martincounty

Photo by: Dick Hall Out2News/Out2Martin County.com

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

This low resolution photo is NOT copy write protected. If you wish a copy simply right/click on the photo and hit “copy” or “save image as”. If you wish a high resolution file contact: rshall@out2news.com/martincounty

Lets Talk About getting YOU on Out2News TV

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How To Choose The Best Real Estate Agent For You

Out2News.comBy: Tod Doss

Planning to buy or sell your place in Jensen Beach is a major decision. The person you choose has an impact on your buying or selling experience during real estate transaction. So you want to choose the best agent for your needs. (Of course, I hope that great agent you choose is me!)

A smooth selling process happens because you have a committed, knowledgeable agent. As a well-connected agent, I can get the results you want, whether you’re buying or selling.

A great real estate agent will always:

Keep your interests at the forefront during the transaction.
Show you houses in your price range if you’re buying and
Price your house at an amount you’re happy when selling.
Have availability when you need them.
Make sure you understand what’s going on so you’re empowered to make decisions as a buyer or a seller.

As a top agent in Jensen Beach, I’ll available to answer any questions you have as they come up. If you’re looking to buy or sell, or know someone who is, let me know.

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No Tipping at NY Restaurants?

Is this a trend coming soon to a town near you?

When you head on up to New York for that new Broadway show or the Macy’s Christmas Parade you need to be aware that in some trendy restaurants there will be no need to tip. It is being reported that Union Square Hospitality Group will be eliminating tipping, starting next month.

“Starting at The Modern in late November, you will no longer find a tip line on your check, and there will be no need to leave additional cash at the table, the coat check, or the bar,” said Danny Meyer owner of the USHG. “Once these changes are implemented, the total cost you pay to dine with us won’t differ much from what you pay now. But for our teams, the change will be significant. We will now have the ability to compensate all of our employees equitably, competitively and professionally. And by eliminating tipping, our employees who want to grow financially and professionally will be able to earn those opportunities based on the merit of their work.”

Take a look at this from New York Times just a few years ago.

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This is really nothing new. There are restaurants in California that have been doing this for over thirty years.

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Thinking of Buying a Fixer-Upper?

Out2News.comWith all the popular TV shows centering on home renovation these days, it’s no surprise that many more people are interested in buying a house with some cosmetic issues, with plans to renovate it to their liking. If you do it right, it can be a great way to save money and get just what you want. But you need to be able to tell the difference between a place with potential and a possible money pit. Here are a few things to consider when looking into purchasing a fixer-upper.

Location — As with all real estate, so much depends on the location. You don’t want to spend your time and money fixing up a house in an unsafe neighborhood or one where no other properties have been renovated and homes aren’t selling. In the end, it’s a much safer bet to buy a lower-end property in a nicer neighborhood than the best house in a mediocre neighborhood.

Age — There are usually some inherent issues with homes that are 50 years old or more. There’s just a greater chance to come across more expensive fixes. And if a home that old has never been updated, there are many more things to consider than a house that has at least had a few upgrades along the way.

Cosmetics — The best bet is to find a home that you can get for a discount because of its shabby appearance, but one that also has good “bones”. Replacing things like carpet, paint, wallpaper, and light fixtures is usually relatively cheap and easy. If possible, you want to avoid large renovations such as dealing with water damage, foundation issues, roof replacement, and so on. These larger problems add up quick, and before you know it, you can go from saving money to actually spending more than you would have on a new home.

Floor plan — Another important thing to think about is finding a home with a floor plan that makes sense. You don’t want to tackle the task of moving walls or changing anything structurally, as that gets into the “big expensive renovations you want to avoid” category.

Inspection — The most important thing you can do is to get a professional inspection. You should make sure a completed inspection is a condition of purchase in any contract you sign. It’s highly likely that a professional home inspector will find things you didn’t even know you should check.

If you or someone you know is looking to buy or sell a fixer-upper property, call me at 772-934-9400, or email at todd@todddoss.com. I’ll make the process go as smoothly as possible, and will ensure the sale is made at the best value for my customer.

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Missionary Waters In Palm City Seeking

To Deliver Emergency Water Filtration Kits To Philippines

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In photo: RW2 water filtration kit

Palm City, FL – (December 11, 2013) Missionary Waters, a non-profit organization in Palm City, is preparing to send 3,000 portable water filtration kits to the Philippines to aid in the production of safe drinking water for the remote areas and islands hit by Typhoon Haiyan.

These light weight kits are easy to assemble and can produce up to 18 gallons per hour of clean water in the most remote places, providing pathogen-free and contaminant-free drinking water from any fresh water source. The kits will last for over six years without replacement parts, reducing the labor and cost of conventional water supplies.

“Together, right now, we can impact over 500,000 people” said Allen Korson, CEO and Founder. “Help us to help the people of the Philippines. A simple donation of $59 will send a complete kit and save over 170 lives from parasites and bacteria in their drinking and personal use water.”

The RW2 water filtration kits can be purchased through donation at the organizational website www.missionarywaters.com or contact us at 772-286-9995.

“When Renewed Waters came to the BDBMC looking for a location, we immediately jumped into action and found appropriate space within 48 hours”, said Tim Dougher, Executive Director of the Business Development Board of Martin County. “With so many people affected by water quality issues around the world, it’s nice to see a Martin County targeted company offer this kind of assistance” Dougher said.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2news.com/martincounty

Photo by: Eric Wickstrom Out2/Martin County.com contributingphotographer

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FPL Port Everglades Power Plant Demolition

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Ft. Lauderdale — On Tuesday FPL demolished its Port Everglades Power Plant to pave the way for a cleaner, more fuel-efficient energy center.

Shortly after sunrise, the historic smokestacks came tumbling down through a series of controlled explosions.

This was the largest demolition of its kind in Florida, the new energy center will be cleaner and will help reduce our dependence on foreign oil.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2news.com/martincounty

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Click here to view the video

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FPL Port Everglades Power Plant Demolition

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Ft. Lauderdale — On Tuesday FPL demolished its Port Everglades Power Plant to pave the way for a cleaner, more fuel-efficient energy center.

Shortly after sunrise, the historic smokestacks came tumbling down through a series of controlled explosions.

This was the largest demolition of its kind in Florida, the new energy center will be cleaner and will help reduce our dependence on foreign oil.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2news.com/martincounty

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Click here to view the video

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FPL Port Everglades Power Plant Demolition

Out2martincounty.com

Ft. Lauderdale — On Tuesday FPL demolished its Port Everglades Power Plant to pave the way for a cleaner, more fuel-efficient energy center.

Shortly after sunrise, the historic smokestacks came tumbling down through a series of controlled explosions.

This was the largest demolition of its kind in Florida, the new energy center will be cleaner and will help reduce our dependence on foreign oil.

Out2martincounty.com is a photo journal featuring people, “Who they are, what they do and where they do it”.

Do you have something to say, an event to talk about? An event you would like to have covered? Do it here!

Email your story or request to: info@out2news.com/martincounty

Out2martincounty.com adheres to full compliance with C.O.P.P.A. (Children’s Online Privacy Protection Act of 1998)

“Martin County’s Photo Journal”

Click here to view the video

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