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What is the Difference Between a Tax Deduction and a Tax Credit?

Out2News.comTax deductions and credits are terms often used together when talking about taxes. While you probably know that they can lower your tax liability, you might wonder about the difference between the two.

A tax deduction reduces your taxable income, so when you calculate your tax liability, you’re doing so against a lower amount. Essentially, your tax obligation is reduced by an amount equal to your deductions multiplied by your marginal tax rate. For example, if you’re in the 22% tax bracket and have $1,000 in tax deductions, your tax liability will be reduced by $220 ($1,000 x 0.22 = $220). The reduction would be even greater if you are in a higher tax bracket.

A tax credit, on the other hand, is a dollar-for-dollar reduction of your tax liability. Generally, after you’ve calculated your federal taxable income and determined how much tax you owe, you subtract the amount of any tax credit for which you are eligible from your tax obligation. For example, a $500 tax credit will reduce your tax liability by $500, regardless of your tax bracket.

The Tax Cuts and Jobs Act, signed into law late last year, made significant changes to the individual tax landscape, including changes to several tax deductions and credits.

The legislation roughly doubled existing standard deduction amounts and repealed the deduction for personal exemptions. The higher standard deduction amounts will generally mean that fewer taxpayers will itemize deductions going forward.

The law also made changes to a number of other deductions, such as those for state and local property taxes, home mortgage interest, medical expenses, and charitable contributions.

As for tax credits, the law doubled the child tax credit from $1,000 to $2,000 for each qualifying child under the age of 17. In addition, it created a new $500 nonrefundable credit available for qualifying dependents who are not qualifying children under age 17. The tax law provisions expire after 2025.

For more information on the various tax deductions and credits that are available to you, visit irs.gov.

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 # 1-738019

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 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)

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Palm City Chamber of Commerce -Stuart Air Show & Martin County Airport Hosts Networking Business After Hours

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In Photo: Board Members and Employees with the Stuart Air Show

Stuart – The Stuart Air Show & Martin County Airport hosted the Palm City Chamber of Commerce Business After Hours on Thursday, August 16th,

from 5:00 – 7:00pm. The event was held at the Airport on 1895 SE Flying Fortress Lane in Stuart.

Celebrating National Aviation Day the event was catered by Zaxby’s. There was plenty of refreshments for all guests who attended on a warm evening.

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: info@out2martincounty.com

Photo by: Robin Hall–Out2News/Out2martincounty.com

“Martin County’s Photo Journal”

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Palm City Chamber of Commerce -Stuart Air Show & Martin County Airport Hosts Networking Business After Hours

Out2News.com

In Photo: Andrew Hall – Hinckley Yacht Services and Eric Hruska – General Manager – Hinckley Yacht Services

Stuart – The Stuart Air Show & Martin County Airport hosted the Palm City Chamber of Commerce Business After Hours on Thursday, August 16th,

from 5:00 – 7:00pm. The event was held at the Airport on 1895 SE Flying Fortress Lane in Stuart.

Celebrating National Aviation Day the event was catered by Zaxby’s. There was plenty of refreshments for all guests who attended on a warm evening.

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: info@out2martincounty.com

Photo by: Robin Hall–Out2News/Out2martincounty.com

“Martin County’s Photo Journal”

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Palm City Chamber of Commerce -Stuart Air Show & Martin County Airport Hosts Networking Business After Hours

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In Photo: Mark  Sandler – Painting with a Twist, Lori Barger – Palm City Chamber, Brett Dugas – Comcast Spotlight

Stuart – The Stuart Air Show & Martin County Airport hosted the Palm City Chamber of Commerce Business After Hours on Thursday, August 16th,

from 5:00 – 7:00pm. The event was held at the Airport on 1895 SE Flying Fortress Lane in Stuart.

Celebrating National Aviation Day the event was catered by Zaxby’s. There was plenty of refreshments for all guests who attended on a warm evening.

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: info@out2martincounty.com

Photo by: Robin Hall–Out2News/Out2martincounty.com

“Martin County’s Photo Journal”

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Palm City Chamber of Commerce -Stuart Air Show & Martin County Airport Hosts Networking Business After Hours

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In Photo: Wendie Berardi – Healthlives 365

Stuart – The Stuart Air Show & Martin County Airport hosted the Palm City Chamber of Commerce Business After Hours on Thursday, August 16th,

from 5:00 – 7:00pm. The event was held at the Airport on 1895 SE Flying Fortress Lane in Stuart.

Celebrating National Aviation Day the event was catered by Zaxby’s. There was plenty of refreshments for all guests who attended on a warm evening.

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: info@out2martincounty.com

Photo by: Robin Hall–Out2News/Out2martincounty.com

“Martin County’s Photo Journal”

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Out2martincounty.com

Palm City Chamber of Commerce -Stuart Air Show & Martin County Airport Hosts Networking Business After Hours

Out2News.com

Stuart – The Stuart Air Show & Martin County Airport hosted the Palm City Chamber of Commerce Business After Hours on Thursday, August 16th,

from 5:00 – 7:00pm. The event was held at the Airport on 1895 SE Flying Fortress Lane in Stuart.

Celebrating National Aviation Day the event was catered by Zaxby’s. There was plenty of refreshments for all guests who attended on a warm evening.

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: info@out2martincounty.com

Photo by: Robin Hall–Out2News/Out2martincounty.com

“Martin County’s Photo Journal”

Out2martincounty.com

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Out2martincounty.com

Palm City Chamber of Commerce -Stuart Air Show & Martin County Airport Hosts Networking Business After Hours

Out2News.com

Stuart – The Stuart Air Show & Martin County Airport hosted the Palm City Chamber of Commerce Business After Hours on Thursday, August 16th,

from 5:00 – 7:00pm. The event was held at the Airport on 1895 SE Flying Fortress Lane in Stuart.

Celebrating National Aviation Day the event was catered by Zaxby’s. There was plenty of refreshments for all guests who attended on a warm evening.

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: info@out2martincounty.com

Photo by: Robin Hall–Out2News/Out2martincounty.com

“Martin County’s Photo Journal”

Out2martincounty.com

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Out2martincounty.com

Palm City Chamber of Commerce -Stuart Air Show & Martin County Airport Hosts Networking Business After Hours

Out2News.com

Stuart – The Stuart Air Show & Martin County Airport hosted the Palm City Chamber of Commerce Business After Hours on Thursday, August 16th,

from 5:00 – 7:00pm. The event was held at the Airport on 1895 SE Flying Fortress Lane in Stuart.

Celebrating National Aviation Day the event was catered by Zaxby’s. There was plenty of refreshments for all guests who attended on a warm evening.

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: info@out2martincounty.com

Photo by: Robin Hall–Out2News/Out2martincounty.com

“Martin County’s Photo Journal”

Out2martincounty.com

Out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce -Stuart Air Show & Martin County Airport Hosts Networking Business After Hours

Out2News.com

Stuart – The Stuart Air Show & Martin County Airport hosted the Palm City Chamber of Commerce Business After Hours on Thursday, August 16th,

from 5:00 – 7:00pm. The event was held at the Airport on 1895 SE Flying Fortress Lane in Stuart.

Celebrating National Aviation Day the event was catered by Zaxby’s. There was plenty of refreshments for all guests who attended on a warm evening.

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: info@out2martincounty.com

Photo by: Robin Hall–Out2News/Out2martincounty.com

“Martin County’s Photo Journal”

Out2martincounty.com

Out2News.comFor more information on advertising with us call us -772- 834-1890

Out2martincounty.com

Palm City Chamber of Commerce -Stuart Air Show & Martin County Airport Hosts Networking Business After Hours

Out2News.com

Stuart – The Stuart Air Show & Martin County Airport hosted the Palm City Chamber of Commerce Business After Hours on Thursday, August 16th,

from 5:00 – 7:00pm. The event was held at the Airport on 1895 SE Flying Fortress Lane in Stuart.

Celebrating National Aviation Day the event was catered by Zaxby’s. There was plenty of refreshments for all guests who attended on a warm evening.

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: info@out2martincounty.com

Photo by: Robin Hall–Out2News/Out2martincounty.com

“Martin County’s Photo Journal”

Out2martincounty.com

Out2martincounty.com

Out2martincounty.com

Palm City Chamber of Commerce -Stuart Air Show & Martin County Airport Hosts Networking Business After Hours

Out2News.com

Stuart – The Stuart Air Show & Martin County Airport hosted the Palm City Chamber of Commerce Business After Hours on Thursday, August 16th,

from 5:00 – 7:00pm. The event was held at the Airport on 1895 SE Flying Fortress Lane in Stuart.

Celebrating National Aviation Day the event was catered by Zaxby’s. There was plenty of refreshments for all guests who attended on a warm evening.

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: info@out2martincounty.com

Photo by: Robin Hall–Out2News/Out2martincounty.com

“Martin County’s Photo Journal”

Out2martincounty.com

Out2News.com

Out2martincounty.com

Palm City Chamber of Commerce -Stuart Air Show & Martin County Airport Hosts Networking Business After Hours

Out2News.com

Stuart – The Stuart Air Show & Martin County Airport hosted the Palm City Chamber of Commerce Business After Hours on Thursday, August 16th,

from 5:00 – 7:00pm. The event was held at the Airport on 1895 SE Flying Fortress Lane in Stuart.

Celebrating National Aviation Day the event was catered by Zaxby’s. There was plenty of refreshments for all guests who attended on a warm evening.

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: info@out2martincounty.com

Photo by: Robin Hall–Out2News/Out2martincounty.com

“Martin County’s Photo Journal”

Out2martincounty.com

Brightway Insurance – Vincent Zanfini Family Agency Hosts Stuart/Martin County Chamber Networking Breakfast

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In Photo: Matt Barile-Brightway Insurance,Chamber Chairman Rob Gluckman -Treasure Coast Urgent & Primary Care, Vincent and Kim Zinfini, Peter Sicoli-Brightway Insurance and Chamber President/CEO Joe Catrambone

Stuart – The Vincent Zanfini Family Agency offers the best insurance-buying experience available. That means being the trusted industry experts in your neighborhood and providing more choices of insurance companies and policies.If we can answer any questions about Home, Auto, Business, Life or other types of insurance, stop by or give us a call at: 772-872-7800.

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

Brightway Insurance – Vincent Zanfini Family Agency Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Margie Johnson – DFS Human Capital Management,Marney McKee-Raymond James and Marianne Romero-All Dry USA

Stuart – The Vincent Zanfini Family Agency offers the best insurance-buying experience available. That means being the trusted industry experts in your neighborhood and providing more choices of insurance companies and policies.If we can answer any questions about Home, Auto, Business, Life or other types of insurance, stop by or give us a call at: 772-872-7800.

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

Brightway Insurance – Vincent Zanfini Family Agency Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Mariah Janbou, Gina Johnson and Summer Walsh – The Fiorella Insurance Agency

Stuart – The Vincent Zanfini Family Agency offers the best insurance-buying experience available. That means being the trusted industry experts in your neighborhood and providing more choices of insurance companies and policies.If we can answer any questions about Home, Auto, Business, Life or other types of insurance, stop by or give us a call at: 772-872-7800.

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

Brightway Insurance – Vincent Zanfini Family Agency Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Luis Rivera – Fully Promoted, Candace Lopes-Skin Serenity Spa, Guyton Stone-Guyton’s Custom Design

Stuart – The Vincent Zanfini Family Agency offers the best insurance-buying experience available. That means being the trusted industry experts in your neighborhood and providing more choices of insurance companies and policies.If we can answer any questions about Home, Auto, Business, Life or other types of insurance, stop by or give us a call at: 772-872-7800.

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

Kyle G’S Hosts Jensen Beach Chamber Mix & Mingle Business After Hours

Out2News.com

Jensen Beach — Kyle G’s hosted the Mix & Mingle Jensen Beach Business After Hours. Kyle G’s Prime Seafood features an ‘Eat Local, Be Coastal’ philosophy. Kyle G’s eclectic, seafood-centric menu blends the freshest daily catches from local fisherman with the highest-quality raw bar and shellfish selections, and premium cuts of meat, all thoughtfully prepared with locally sourced ingredients for patrons to enjoy inside, or oceanside. Kyle G’s Prime Seafood is open seven days a week, serving lunch, dinner, and Sunday brunch.

They are located at 10900 S Ocean Dr, Hutchinson Island in Jensen Beach. For more information contact at: 772.237.5461.

The Jensen Beach Chamber of Commerce is located in downtown historic Jensen Beach. Through seminars, workshops and monthly luncheons the Chamber provides members with many opportunities to network and enhance businesses.

Jensen Beach is not only considered one of the most charming places to vacation in Florida, but our quaint community was also recently named as one of the top places to retire in the United States!

You can feel the “Old Florida” charm when you visit Jensen Beach – a unique riverfront town over a century old. Hutchinson Island beaches are natural and captivating.

With its perfect climate, natural beauty and warm hospitality, Jensen Beach and Hutchinson Island offer lots of things to do – great fishing spots, popular events, challenging golf courses, wonderful dining choices, quality lodging facilities, and unlimited shopping opportunities from a regional mall, to unique boutiques and art galleries.

From the scenic coastline of Hutchinson Island to the historic shops of Jensen Beach through the lagoons of Sewall’s Point along the tree-lined streets of Rio… this is Jensen Beach.

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: 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”

Out2martincounty.com

Kyle G’S Hosts Jensen Beach Chamber Mix & Mingle Business After Hours

Out2News.com

Jensen Beach — Kyle G’s hosted the Mix & Mingle Jensen Beach Business After Hours. Kyle G’s Prime Seafood features an ‘Eat Local, Be Coastal’ philosophy. Kyle G’s eclectic, seafood-centric menu blends the freshest daily catches from local fisherman with the highest-quality raw bar and shellfish selections, and premium cuts of meat, all thoughtfully prepared with locally sourced ingredients for patrons to enjoy inside, or oceanside. Kyle G’s Prime Seafood is open seven days a week, serving lunch, dinner, and Sunday brunch.

They are located at 10900 S Ocean Dr, Hutchinson Island in Jensen Beach. For more information contact at: 772.237.5461.

The Jensen Beach Chamber of Commerce is located in downtown historic Jensen Beach. Through seminars, workshops and monthly luncheons the Chamber provides members with many opportunities to network and enhance businesses.

Jensen Beach is not only considered one of the most charming places to vacation in Florida, but our quaint community was also recently named as one of the top places to retire in the United States!

You can feel the “Old Florida” charm when you visit Jensen Beach – a unique riverfront town over a century old. Hutchinson Island beaches are natural and captivating.

With its perfect climate, natural beauty and warm hospitality, Jensen Beach and Hutchinson Island offer lots of things to do – great fishing spots, popular events, challenging golf courses, wonderful dining choices, quality lodging facilities, and unlimited shopping opportunities from a regional mall, to unique boutiques and art galleries.

From the scenic coastline of Hutchinson Island to the historic shops of Jensen Beach through the lagoons of Sewall’s Point along the tree-lined streets of Rio… this is Jensen Beach.

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: 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”

Out2martincounty.com

Kyle G’S Hosts Jensen Beach Chamber Mix & Mingle Business After Hours

Out2News.com

Jensen Beach — Kyle G’s hosted the Mix & Mingle Jensen Beach Business After Hours. Kyle G’s Prime Seafood features an ‘Eat Local, Be Coastal’ philosophy. Kyle G’s eclectic, seafood-centric menu blends the freshest daily catches from local fisherman with the highest-quality raw bar and shellfish selections, and premium cuts of meat, all thoughtfully prepared with locally sourced ingredients for patrons to enjoy inside, or oceanside. Kyle G’s Prime Seafood is open seven days a week, serving lunch, dinner, and Sunday brunch.

They are located at 10900 S Ocean Dr, Hutchinson Island in Jensen Beach. For more information contact at: 772.237.5461.

The Jensen Beach Chamber of Commerce is located in downtown historic Jensen Beach. Through seminars, workshops and monthly luncheons the Chamber provides members with many opportunities to network and enhance businesses.

Jensen Beach is not only considered one of the most charming places to vacation in Florida, but our quaint community was also recently named as one of the top places to retire in the United States!

You can feel the “Old Florida” charm when you visit Jensen Beach – a unique riverfront town over a century old. Hutchinson Island beaches are natural and captivating.

With its perfect climate, natural beauty and warm hospitality, Jensen Beach and Hutchinson Island offer lots of things to do – great fishing spots, popular events, challenging golf courses, wonderful dining choices, quality lodging facilities, and unlimited shopping opportunities from a regional mall, to unique boutiques and art galleries.

From the scenic coastline of Hutchinson Island to the historic shops of Jensen Beach through the lagoons of Sewall’s Point along the tree-lined streets of Rio… this is Jensen Beach.

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: 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”

Out2martincounty.com

Kyle G’S Hosts Jensen Beach Chamber Mix & Mingle Business After Hours

Out2News.com

Jensen Beach — Kyle G’s hosted the Mix & Mingle Jensen Beach Business After Hours. Kyle G’s Prime Seafood features an ‘Eat Local, Be Coastal’ philosophy. Kyle G’s eclectic, seafood-centric menu blends the freshest daily catches from local fisherman with the highest-quality raw bar and shellfish selections, and premium cuts of meat, all thoughtfully prepared with locally sourced ingredients for patrons to enjoy inside, or oceanside. Kyle G’s Prime Seafood is open seven days a week, serving lunch, dinner, and Sunday brunch.

They are located at 10900 S Ocean Dr, Hutchinson Island in Jensen Beach. For more information contact at: 772.237.5461.

The Jensen Beach Chamber of Commerce is located in downtown historic Jensen Beach. Through seminars, workshops and monthly luncheons the Chamber provides members with many opportunities to network and enhance businesses.

Jensen Beach is not only considered one of the most charming places to vacation in Florida, but our quaint community was also recently named as one of the top places to retire in the United States!

You can feel the “Old Florida” charm when you visit Jensen Beach – a unique riverfront town over a century old. Hutchinson Island beaches are natural and captivating.

With its perfect climate, natural beauty and warm hospitality, Jensen Beach and Hutchinson Island offer lots of things to do – great fishing spots, popular events, challenging golf courses, wonderful dining choices, quality lodging facilities, and unlimited shopping opportunities from a regional mall, to unique boutiques and art galleries.

From the scenic coastline of Hutchinson Island to the historic shops of Jensen Beach through the lagoons of Sewall’s Point along the tree-lined streets of Rio… this is Jensen Beach.

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: 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”

Out2martincounty.com

Kyle G’S Hosts Jensen Beach Chamber Mix & Mingle Business After Hours

Out2News.com

Jensen Beach — Kyle G’s hosted the Mix & Mingle Jensen Beach Business After Hours. Kyle G’s Prime Seafood features an ‘Eat Local, Be Coastal’ philosophy. Kyle G’s eclectic, seafood-centric menu blends the freshest daily catches from local fisherman with the highest-quality raw bar and shellfish selections, and premium cuts of meat, all thoughtfully prepared with locally sourced ingredients for patrons to enjoy inside, or oceanside. Kyle G’s Prime Seafood is open seven days a week, serving lunch, dinner, and Sunday brunch.

They are located at 10900 S Ocean Dr, Hutchinson Island in Jensen Beach. For more information contact at: 772.237.5461.

The Jensen Beach Chamber of Commerce is located in downtown historic Jensen Beach. Through seminars, workshops and monthly luncheons the Chamber provides members with many opportunities to network and enhance businesses.

Jensen Beach is not only considered one of the most charming places to vacation in Florida, but our quaint community was also recently named as one of the top places to retire in the United States!

You can feel the “Old Florida” charm when you visit Jensen Beach – a unique riverfront town over a century old. Hutchinson Island beaches are natural and captivating.

With its perfect climate, natural beauty and warm hospitality, Jensen Beach and Hutchinson Island offer lots of things to do – great fishing spots, popular events, challenging golf courses, wonderful dining choices, quality lodging facilities, and unlimited shopping opportunities from a regional mall, to unique boutiques and art galleries.

From the scenic coastline of Hutchinson Island to the historic shops of Jensen Beach through the lagoons of Sewall’s Point along the tree-lined streets of Rio… this is Jensen Beach.

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: 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”

Out2martincounty.com

Kyle G’S Hosts Jensen Beach Chamber Mix & Mingle Business After Hours

Out2News.com

Jensen Beach — Kyle G’s hosted the Mix & Mingle Jensen Beach Business After Hours. Kyle G’s Prime Seafood features an ‘Eat Local, Be Coastal’ philosophy. Kyle G’s eclectic, seafood-centric menu blends the freshest daily catches from local fisherman with the highest-quality raw bar and shellfish selections, and premium cuts of meat, all thoughtfully prepared with locally sourced ingredients for patrons to enjoy inside, or oceanside. Kyle G’s Prime Seafood is open seven days a week, serving lunch, dinner, and Sunday brunch.

They are located at 10900 S Ocean Dr, Hutchinson Island in Jensen Beach. For more information contact at: 772.237.5461.

The Jensen Beach Chamber of Commerce is located in downtown historic Jensen Beach. Through seminars, workshops and monthly luncheons the Chamber provides members with many opportunities to network and enhance businesses.

Jensen Beach is not only considered one of the most charming places to vacation in Florida, but our quaint community was also recently named as one of the top places to retire in the United States!

You can feel the “Old Florida” charm when you visit Jensen Beach – a unique riverfront town over a century old. Hutchinson Island beaches are natural and captivating.

With its perfect climate, natural beauty and warm hospitality, Jensen Beach and Hutchinson Island offer lots of things to do – great fishing spots, popular events, challenging golf courses, wonderful dining choices, quality lodging facilities, and unlimited shopping opportunities from a regional mall, to unique boutiques and art galleries.

From the scenic coastline of Hutchinson Island to the historic shops of Jensen Beach through the lagoons of Sewall’s Point along the tree-lined streets of Rio… this is Jensen Beach.

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: 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”

Out2martincounty.com

Tax Benefits of Homeownership After Tax Reform

Out2News.comBuying a home can be a major expenditure. Fortunately, federal tax benefits are still available, even after recent tax reform legislation, to help make homeownership more affordable. There may also be tax benefits under state law.

Mortgage interest deduction
One of the most important tax benefits of owning a home is that you may be able to deduct the mortgage interest you pay. If you itemize deductions on your federal income tax return, you can deduct the interest on a loan secured by your home and used to buy, build, or substantially improve your home. For loans incurred before December 16, 2017, up to $1 million of such “home acquisition debt” ($500,000 if married filing separately) qualifies for the interest deduction. For loans incurred after December 15, 2017, the limit is $750,000 ($375,000 if married filing separately).
This interest deduction is also still available for home equity loans or lines of credit used to buy, build, or substantially improve your home. [Prior to 2018, a separate deduction was available for interest on home equity loans or lines of credit of up to $100,000 ($50,000 if married filing separately) used for any other purpose.]

Deduction for real estate property taxes
If you itemize deductions on your federal income tax return, you can generally deduct real estate taxes you pay on property that you own. However, for 2018 to 2025, you can deduct a total of only $10,000 ($5,000 if married filing separately) of your state and local taxes each year (including income taxes and real estate taxes). For alternative minimum tax purposes, however, no deduction is allowed for state and local taxes, including property taxes.

Points and closing costs
When you take out a loan to buy a home, or when you refinance an existing loan on your home, you’ll probably be charged closing costs. These may include points, as well as attorney’s fees, recording fees, title search fees, appraisal fees, and loan or document preparation and processing fees. Points are typically charged to reduce the interest rate for the loan.
When you buy your main home, you may be able to deduct points in full in the year you pay them if you itemize deductions and meet certain requirements. You may even be able to deduct points that the seller pays for you.
Refinanced loans are treated differently. Generally, points that you pay on a refinanced loan are not deductible in full in the year you pay them. Instead, they’re deducted ratably over the life of the loan. In other words, you can deduct a certain portion of the points each year. If the loan is used to make improvements to your principal residence, however, you may be able to deduct the points in full in the year paid.
Otherwise, closing costs are nondeductible. But they can increase the tax basis of your home, which in turn can lower your taxable gain when you sell the property.

Home improvements
Home improvements (unless medically required) are nondeductible. Improvements, though, can increase the tax basis of your home, which in turn can lower your taxable gain when you sell the property.

Capital gain exclusion
If you sell your principal residence at a loss, you can’t deduct the loss on your tax return. If you sell your principal residence at a gain, you may be able to exclude some or all of the gain from federal income tax.
Capital gain (or loss) on the sale of your principal residence equals the sale price of your home minus your adjusted basis in the property. Your adjusted basis is typically the cost of the property (i.e., what you paid for it initially) plus amounts paid for capital improvements.
If you meet all requirements, you can exclude from federal income tax up to $250,000 ($500,000 if you’re married and file a joint return) of any capital gain that results from the sale of your principal residence. Anything over those limits may be subject to tax (at favorable long-term capital gains tax rates). In general, this exclusion can be used only once every two years. To qualify for the exclusion, you must have owned and used the home as your principal residence for a total of two out of the five years before the sale.
What if you fail to meet the two-out-of-five-year rule or you used the capital gain exclusion within the past two years with respect to a different principal residence? You may still be able to exclude part of your gain if your home sale was due to a change in place of employment, health reasons, or certain other unforeseen circumstances. In such a case, exclusion of the gain may be prorated.

Other considerations
It’s important to note that special rules apply in a number of circumstances, including situations in which you maintain a home office for tax purposes or otherwise use your home for business or rental purposes.

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 # 1-746630

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 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

Banyan 320 Kitchen & Bar Host Young Professionals of Martin County Networking Breakfast

Out2News.com

Stuart – Located 320 SE Denver Avenue in downtown Stuart. Very relaxing atmosphere, worth mentioning is that all of the ingredients are locally sourced, nice to know and nice to support. The staff is very friendly and most accommodating!The restaurant is open for lunch during the weekdays and weekend brunch. They do host events later in the day and evening.

More questions? Call them 772.888.9014

YPMC is a catalyst for bringing goal-oriented and socially active people in their 20’s and 30’s together for professional and personal gain. YPMC organizes a number of events for its members that foster an environment of networking, learning, and community involvement including:

After-hours events,Networking and educational luncheons,Professional and personal development seminars, Community service projects

For more information about the Young Professionals of Martin County contact them at: 772.497.6297

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”

Out2martincounty.com

Banyan 320 Kitchen & Bar Host Young Professionals of Martin County Networking Breakfast

Out2News.com

Stuart – Located 320 SE Denver Avenue in downtown Stuart. Very relaxing atmosphere, worth mentioning is that all of the ingredients are locally sourced, nice to know and nice to support. The staff is very friendly and most accommodating!The restaurant is open for lunch during the weekdays and weekend brunch. They do host events later in the day and evening.

More questions? Call them 772.888.9014

YPMC is a catalyst for bringing goal-oriented and socially active people in their 20’s and 30’s together for professional and personal gain. YPMC organizes a number of events for its members that foster an environment of networking, learning, and community involvement including:

After-hours events,Networking and educational luncheons,Professional and personal development seminars, Community service projects

For more information about the Young Professionals of Martin County contact them at: 772.497.6297

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”

Banyan 320 Kitchen & Bar Host Young Professionals of Martin County Networking Breakfast

Out2News.com

Stuart – Located 320 SE Denver Avenue in downtown Stuart. Very relaxing atmosphere, worth mentioning is that all of the ingredients are locally sourced, nice to know and nice to support. The staff is very friendly and most accommodating!The restaurant is open for lunch during the weekdays and weekend brunch. They do host events later in the day and evening.

More questions? Call them 772.888.9014

YPMC is a catalyst for bringing goal-oriented and socially active people in their 20’s and 30’s together for professional and personal gain. YPMC organizes a number of events for its members that foster an environment of networking, learning, and community involvement including:

After-hours events,Networking and educational luncheons,Professional and personal development seminars, Community service projects

For more information about the Young Professionals of Martin County contact them at: 772.497.6297

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”

Out2martincounty.com

Banyan 320 Kitchen & Bar Host Young Professionals of Martin County Networking Breakfast

Out2News.com

Stuart – Located 320 SE Denver Avenue in downtown Stuart. Very relaxing atmosphere, worth mentioning is that all of the ingredients are locally sourced, nice to know and nice to support. The staff is very friendly and most accommodating!The restaurant is open for lunch during the weekdays and weekend brunch. They do host events later in the day and evening.

More questions? Call them 772.888.9014

YPMC is a catalyst for bringing goal-oriented and socially active people in their 20’s and 30’s together for professional and personal gain. YPMC organizes a number of events for its members that foster an environment of networking, learning, and community involvement including:

After-hours events,Networking and educational luncheons,Professional and personal development seminars, Community service projects

For more information about the Young Professionals of Martin County contact them at: 772.497.6297

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”

Out2martincounty.com

Banyan 320 Kitchen & Bar Host Young Professionals of Martin County Networking Breakfast

Out2News.com

Stuart – Located 320 SE Denver Avenue in downtown Stuart. Very relaxing atmosphere, worth mentioning is that all of the ingredients are locally sourced, nice to know and nice to support. The staff is very friendly and most accommodating!The restaurant is open for lunch during the weekdays and weekend brunch. They do host events later in the day and evening.

More questions? Call them 772.888.9014

YPMC is a catalyst for bringing goal-oriented and socially active people in their 20’s and 30’s together for professional and personal gain. YPMC organizes a number of events for its members that foster an environment of networking, learning, and community involvement including:

After-hours events,Networking and educational luncheons,Professional and personal development seminars, Community service projects

For more information about the Young Professionals of Martin County contact them at: 772.497.6297

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”

Out2martincounty.com

South Florida Water Management Hosts Stuart/Martin County Chamber August Business Luncheon at The Kane Center

Out2News.com

In Photo: South Florida Water Management governing board member Brandon Tucker sponsor for the Luncheon

The South Florida Water Management District is a regional governmental agency that manages the water resources in the southern half of the state, covering 16 counties from Orlando to the Florida Keys and serving a population of 8.1 million residents. It is the oldest and largest of the state’s five water management districts. Created in 1949, the agency is responsible for managing and protecting water resources of South Florida by balancing and improving flood control, water supply, water quality and natural systems.

A key initiative is restoration of the Everglades – the largest environmental restoration project in the nation’s history. The District is also working to improve the Kissimmee River and its floodplain, Lake Okeechobee and South Florida’s coastal estuaries.

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

South Florida Water Management Hosts Stuart/Martin County Chamber August Business Luncheon at The Kane Center

Out2News.com

In Photo: H.B. Barrett- Ambassador of the Month award from Chairman Rob Gluckman-Treasure Urgent & Primary Care

The South Florida Water Management District is a regional governmental agency that manages the water resources in the southern half of the state, covering 16 counties from Orlando to the Florida Keys and serving a population of 8.1 million residents. It is the oldest and largest of the state’s five water management districts. Created in 1949, the agency is responsible for managing and protecting water resources of South Florida by balancing and improving flood control, water supply, water quality and natural systems.

A key initiative is restoration of the Everglades – the largest environmental restoration project in the nation’s history. The District is also working to improve the Kissimmee River and its floodplain, Lake Okeechobee and South Florida’s coastal estuaries.

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

South Florida Water Management Hosts Stuart/Martin County Chamber August Business Luncheon at The Kane Center

Out2News.com

In Photo: Chamber Chairman Rob Gluckman-Treasure Coast Urgent & Primary Care, included Jeffrey Bishop, M.D., Richard Costello, Lauren Silverstein, Francine Costello, Kim Hughes and Terry Churney

The South Florida Water Management District is a regional governmental agency that manages the water resources in the southern half of the state, covering 16 counties from Orlando to the Florida Keys and serving a population of 8.1 million residents. It is the oldest and largest of the state’s five water management districts. Created in 1949, the agency is responsible for managing and protecting water resources of South Florida by balancing and improving flood control, water supply, water quality and natural systems.

A key initiative is restoration of the Everglades – the largest environmental restoration project in the nation’s history. The District is also working to improve the Kissimmee River and its floodplain, Lake Okeechobee and South Florida’s coastal estuaries.

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

Salerno Bay Health & ReHab Center Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Erica Andrews and Diane Correll, Salerno Bay; Chamber Chairman Rob Gluckman, Treasure Coast Urgent & Primary Care; Susan Meer and Heather Langlais, Salerno Bay.

Stuart- Salerno Bay Health & ReHab Center understands that today’s residents, families and decision makers are vastly different than two decades ago when the organization started. The mindset and needs of care giving is ever evolving. That’s why Salerno Bay Health & Rehab Center is cultivating a pro-active, progressive approach to meet the needs of a new generation of residents. They understand the challenges and mindset of boomers and their parents. Yet always at the core remains that distinct and genuine heartfelt care giving supported by exceptional medical expertise. When families entrust their loved ones with Gulf Coast, they know and believe they’ve found a place where life is brighter, life is fuller and life is lived out the way it should be.

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

Salerno Bay Health & ReHab Center Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Chamber Trustee Cathleen Owen-Recovery Insurance Adjusters and Ron Burns-Group One Safety & Security

Stuart- Salerno Bay Health & ReHab Center understands that today’s residents, families and decision makers are vastly different than two decades ago when the organization started. The mindset and needs of care giving is ever evolving. That’s why Salerno Bay Health & Rehab Center is cultivating a pro-active, progressive approach to meet the needs of a new generation of residents. They understand the challenges and mindset of boomers and their parents. Yet always at the core remains that distinct and genuine heartfelt care giving supported by exceptional medical expertise. When families entrust their loved ones with Gulf Coast, they know and believe they’ve found a place where life is brighter, life is fuller and life is lived out the way it should be.

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

Salerno Bay Health & ReHab Center Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Kieran Hair and Associate Dominique Bartko – President of Paws For Recovery 

Stuart- Salerno Bay Health & ReHab Center understands that today’s residents, families and decision makers are vastly different than two decades ago when the organization started. The mindset and needs of care giving is ever evolving. That’s why Salerno Bay Health & Rehab Center is cultivating a pro-active, progressive approach to meet the needs of a new generation of residents. They understand the challenges and mindset of boomers and their parents. Yet always at the core remains that distinct and genuine heartfelt care giving supported by exceptional medical expertise. When families entrust their loved ones with Gulf Coast, they know and believe they’ve found a place where life is brighter, life is fuller and life is lived out the way it should be.

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

Salerno Bay Health & ReHab Center Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Adrienne Schoenwalder-Sailfish Plumbing, Aileen Fornuto, Attorney Svetlana Nemeroff and Lena Trunina – SF Tax Accounting & Financial Solutions

Stuart- Salerno Bay Health & ReHab Center understands that today’s residents, families and decision makers are vastly different than two decades ago when the organization started. The mindset and needs of care giving is ever evolving. That’s why Salerno Bay Health & Rehab Center is cultivating a pro-active, progressive approach to meet the needs of a new generation of residents. They understand the challenges and mindset of boomers and their parents. Yet always at the core remains that distinct and genuine heartfelt care giving supported by exceptional medical expertise. When families entrust their loved ones with Gulf Coast, they know and believe they’ve found a place where life is brighter, life is fuller and life is lived out the way it should be.

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

I Received a Large Refund on my Tax Return this year. Should I Adjust my Withholding?

Out2News.comYou must have been pleasantly surprised to find out you’d be getting a refund from the IRS — especially if it was a large sum. And while you may have considered this type of windfall a stroke of good fortune, is it really?

The IRS issued over 112 million federal income tax refunds, averaging $2,895, for tax year 2016.1 You probably wouldn’t pay someone $240 each month in order to receive $2,900 back, without interest, at the end of a year. But that’s essentially what a tax refund is — a short-term loan to the government.

Because you received a large refund on your tax return this year, you may want to reevaluate your federal income tax withholding. That way you could end up taking home more of your pay and putting it to good use.

When determining the correct withholding amount, your objective is to have just enough withheld to prevent you from having to owe a large amount of money or scramble for cash at tax time next year, or from owing a penalty for having too little withheld.

It’s generally a good idea to check your withholding periodically. This is particularly important when something changes in your life; for example, if you get married, divorced, or have a child; you or your spouse change jobs; or your financial situation changes significantly.

Furthermore, the implementation of the new tax law at the beginning of 2018 means your withholding could be off more than it might be in a typical year. Employers withhold taxes from paychecks based on W-4 information and IRS withholding tables. The IRS released 2018 calculation tables reflecting the new rates and rules earlier this year. Even so, the old W-4 and worksheet you previously gave to your employer reflect deductions and credits that have changed or been eliminated under the new tax law.

The IRS has revised a useful online withholding calculator that can help you determine the appropriate amount of withholding. You still need to complete and submit a new W-4 to your employer to make any adjustments. Visit irs.gov for more information.

1Internal Revenue Service, 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 # 1-738019

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 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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“Martin County’s Photo Journal”

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Christian FM Back To School Family Expo

Out2News.com

Treasure Coast – On Saturday, August 4th from 10am-4pm. The Christian FM First Annual Back to School Family Expo was held at the Port St Lucie Civic Center in Port St Lucie. The event includes multiple food trucks, snacks, arts & crafts, entertainment and more. This event was held to provide an educational day for the whole family, just in time for the kids going back to school. The day spotlighted vendors who target families in their businesses. Vendors provided special offers for attendees during the day.

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@out2martincounty.com

www.Out2martincounty.com

Out2martincounty.com

Palm City New Member Reception Hosted by Seacoast Bank & Martin Downs Animal Hospital

Out2News.com

Palm City- On Wednesday, August 1 a New Member Reception was held at Seacoast Bank is Palm City.Host for the event were Seacoast Bank and Martin Downs Animal Hospital. This event is held to welcome the newest members to the chamber and give them information to help market and build their business.

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

Palm City New Member Reception Hosted by Seacoast Bank & Martin Downs Animal Hospital

Out2News.com

Palm City- On Wednesday, August 1 a New Member Reception was held at Seacoast Bank is Palm City.Host for the event were Seacoast Bank and Martin Downs Animal Hospital. This event is held to welcome the newest members to the chamber and give them information to help market and build their business.

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

Palm City New Member Reception Hosted by Seacoast Bank & Martin Downs Animal Hospital

Out2News.com

Palm City- On Wednesday, August 1 a New Member Reception was held at Seacoast Bank is Palm City.Host for the event were Seacoast Bank and Martin Downs Animal Hospital. This event is held to welcome the newest members to the chamber and give them information to help market and build their business.

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

Palm City New Member Reception Hosted by Seacoast Bank & Martin Downs Animal Hospital

Out2News.com

Palm City- On Wednesday, August 1 a New Member Reception was held at Seacoast Bank is Palm City.Host for the event were Seacoast Bank and Martin Downs Animal Hospital. This event is held to welcome the newest members to the chamber and give them information to help market and build their business.

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

Palm City New Member Reception Hosted by Seacoast Bank & Martin Downs Animal Hospital

Out2News.com

Palm City- On Wednesday, August 1 a New Member Reception was held at Seacoast Bank is Palm City.Host for the event were Seacoast Bank and Martin Downs Animal Hospital. This event is held to welcome the newest members to the chamber and give them information to help market and build their business.

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

Palm City New Member Reception Hosted by Seacoast Bank & Martin Downs Animal Hospital

Out2News.com

Palm City- On Wednesday, August 1 a New Member Reception was held at Seacoast Bank is Palm City.Host for the event were Seacoast Bank and Martin Downs Animal Hospital. This event is held to welcome the newest members to the chamber and give them information to help market and build their business.

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

Palm City New Member Reception Hosted by Seacoast Bank & Martin Downs Animal Hospital

Out2News.com

Palm City- On Wednesday, August 1 a New Member Reception was held at Seacoast Bank is Palm City.Host for the event were Seacoast Bank and Martin Downs Animal Hospital. This event is held to welcome the newest members to the chamber and give them information to help market and build their business.

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

Palm City New Member Reception Hosted by Seacoast Bank & Martin Downs Animal Hospital

Out2News.com

Palm City- On Wednesday, August 1 a New Member Reception was held at Seacoast Bank is Palm City.Host for the event were Seacoast Bank and Martin Downs Animal Hospital. This event is held to welcome the newest members to the chamber and give them information to help market and build their business.

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

Palm City New Member Reception Hosted by Seacoast Bank & Martin Downs Animal Hospital

Out2News.com

Palm City- On Wednesday, August 1 a New Member Reception was held at Seacoast Bank is Palm City.Host for the event were Seacoast Bank and Martin Downs Animal Hospital. This event is held to welcome the newest members to the chamber and give them information to help market and build their business.

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

Quiz: Financial Facts That Might Surprise You

Out2News.comIf you have a penchant for financial trivia, put your knowledge to the test by taking this short quiz. Perhaps some of the answers to these questions will surprise you.

Questions

1. The first organized stock market in New York was founded on Wall Street under what kind of tree?
a. Maple
b. Linden
c. Buttonwood
d. Elm

2. Who invented the 401(k)?
a. Congress
b. Ted Benna
c. The IRS
d. Juanita Kreps

3. Which three U.S. bills together account for 81% of the paper currency in circulation?
a. $1, $20, $100
b. $1, $5, $20
c. $1, $10, $20
d. $1, $10, $100

4. Small businesses comprise what percentage of U.S. businesses?
a. More than 39%
b. More than 59%
c. More than 79%
d. More than 99%

5. Which U.S. president signed Medicare into law?
a. President John F. Kennedy
b. President Lyndon B. Johnson
c. President Richard M. Nixon
d. President George W. Bush

Answers

1. c. Buttonwood. On May 17, 1792, 24 New York City stockbrokers and merchants met under a buttonwood tree outside of what is now 68 Wall Street. Their two-sentence brokers’ agreement is known as the Buttonwood Agreement.1

2. b. Ted Benna. A 401(k) is a tax-deferred, employer-sponsored retirement savings plan. Although the name comes from Section 401(k) of the Internal Revenue Code, this type of retirement savings plan was created by Ted Benna in 1979. At the time, he was a co-owner of The Johnson Companies, a small benefits consulting firm. 2

3. a. $1, $20, $100. The $1 bill represents about 29% of the total paper currency in circulation. The $20 bill represents about 22%, and the $100 bill represents about 30%.3

4. d. More than 99%. Despite their size, small businesses are a big part of the U.S. economy. According to the U.S. Small Business Administration, small businesses (independent businesses with fewer than 500 employees) comprise 99.9% of all firms and account for 62% of net new jobs.4

5. b. President Lyndon B. Johnson. President Kennedy recommended creating a national health insurance program in 1961, but it was President Johnson who signed the Medicare bill into law on July 30, 1965. President Nixon extended Medicare eligibility to certain people under age 65 in 1972, and President Bush expanded Medicare to include prescription drug benefits in 2003.5

1NYSEData.com

2401kbenna.com

3 Federal Reserve, Currency in Circulation: Volume, December 2017

4 U.S. Small Business Administration, August 2017

5 Centers for Medicare & Medicaid Services

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 # 1-738019

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

Out2martincounty.com

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

In Photo: Speaker for the luncheon -Christina Stamper – CEO of Madision’s Miracles

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

 

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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

Dolphin Bar & Shrimp House Host

July Women’s Power Lunch

Out2News.com

Jensen Beach -– The Women’s Power Lunch, started by Anne Thompson Schafer, 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

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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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 – Lisa Grassam-Smith with Grassam Spine and Wellness was the Sponsor for the Palm City Chamber Monthly Breakfast. Helping 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!

Find out why other Stuart-area residents prefer the chiropractic care that we provide at Grassam Family Chiropractic.

Call to arrange a consultation today and find out if you’re a good candidate for today’s chiropractic care! For more information call: 772-286-5433.

The Speaker for the breakfast was Marsha Power with the Martin County School Board. Missi Campbell, teacher with the Martin County School District also spoke about the teachers in the community.

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.

Sponsor for the Monthly Breakfast was ITS Fiber and the speakers were Vicki Davis, Supervisor of elections and John Lass with the YMCA. The YMCA brought Ms. Nicole Daly who is a state officier in the press corps program the YMCA Youth in Government State Assembly at the Capital in Tallahassee. 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

Have You Made Any of These Financial Mistakes?

Out2News.comAs people move through different stages of life, there are new financial opportunities — and potential pitfalls — around every corner. Have you made any of these mistakes?

Your 50s and 60s

1. Raiding your home equity or retirement funds. It goes without saying that doing so will prolong your debt and/or reduce your nest egg.

2. Not quantifying your expected retirement income. As you near retirement, you should know how much money you (and your spouse, if applicable) can expect from three sources:

• Your retirement accounts such as 401(k) plans, 403(b) plans, and IRAs

• Pension income from your employer, if any

• Social Security (at age 62, at your full retirement age, and at age 70)

3. Co-signing loans for adult children. Co-signing means you’re 100% on the hook if your child can’t pay, a less-than-ideal situation as you’re getting ready to retire.

4. Living an unhealthy lifestyle. Take steps now to improve your diet and fitness level. Not only will you feel better today, but you may reduce your health-care costs in the future.

Your 40s

1. Trying to keep up with the Joneses. Appearances can be deceptive. The nice lifestyle your friends, neighbors, or colleagues enjoy might look nice on the outside, but behind the scenes there may be a lot of debt supporting that lifestyle. Don’t spend money you don’t have trying to keep up with others.

2. Funding college over retirement. In your 40s, saving for your children’s college costs at the expense of your own retirement may be a mistake. If you have limited funds, consider setting aside a portion for college while earmarking the majority for retirement. Then sit down with your teenager and have a frank discussion about college options that won’t break the bank — for either of you.

3. Not having a will or an advance medical directive. No one likes to think about death or catastrophic injury, but these documents can help your loved ones immensely if something unexpected should happen to you.

Your 30s

1. Being house poor. Whether you’re buying your first home or trading up, think twice about buying a house you can’t afford, even if the bank says you can. Build in some wiggle room for a possible dip in household income that could result from leaving the workforce to raise a family or a job change or layoff.

2. Not saving for retirement. Maybe your 20s passed you by in a bit of a blur and retirement wasn’t even on your radar. But now that you’re in your 30s, it’s essential to start saving for retirement. Start now, and you still have 30 years or more to save. Wait much longer, and it can be very hard to catch up.

3. Not protecting yourself with life and disability insurance. Life is unpredictable. Consider what would happen if one day you were unable to work and earn a paycheck. Life and disability insurance can help protect you and your family. Though the cost and availability of life insurance will depend on several factors including your health, generally the younger you are when you buy life insurance, the lower your premiums will be.

Your 20s

1. Living beyond your means. It’s tempting to splurge on gadgets, entertainment, and travel, but if you can’t pay for most of your wants up front, then you need to rein in your lifestyle, especially if you have student loans to repay.

2. Not paying yourself first. Save a portion of every paycheck first and then spend what’s left over, not the other way around. And why not start saving for retirement, too? Earmark a portion of your annual pay now for retirement and your 67-year-old self will thank you.

3. Being financially illiterate. Learn as much as you can about saving, budgeting, and investing now and you could benefit from it for the rest of your life.

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 # 1-746630

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 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

Two Men & A Truck Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Shauna Bledsoe – Owner Two Men and A truck and Fabiola Simon with Two Men and A Truck Hosts/Sponsors for the Stuart /Martin County Chamber of Commerce July Breakfast

Stuart -Two Men and A Truck of Treasure Coast first opened its doors in March of 2012. Since then, their team has earned rave reviews by delivering superior customer service to customers in the area. Customers from Sebastian to Stuart are served out of their second location in Vero Beach. Based on customer ratings, 97% of their customers said they would recommend them to their friends and 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: Robin 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

Out2martincounty.com

Two Men & A Truck Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: “Truckee”- with  Two Men and A Truck Hosts/Sponsors for the Stuart /Martin County Chamber of Commerce July Breakfast

Stuart -Two Men and A Truck of Treasure Coast first opened its doors in March of 2012. Since then, their team has earned rave reviews by delivering superior customer service to customers in the area. Customers from Sebastian to Stuart are served out of their second location in Vero Beach. Based on customer ratings, 97% of their customers said they would recommend them to their friends and 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: Robin 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

Out2martincounty.com

Two Men & A Truck Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart -Two Men and A Truck of Treasure Coast first opened its doors in March of 2012. Since then, their team has earned rave reviews by delivering superior customer service to customers in the area. Customers from Sebastian to Stuart are served out of their second location in Vero Beach. Based on customer ratings, 97% of their customers said they would recommend them to their friends and 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: Robin 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

Out2martincounty.com

Two Men & A Truck Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart -Two Men and A Truck of Treasure Coast first opened its doors in March of 2012. Since then, their team has earned rave reviews by delivering superior customer service to customers in the area. Customers from Sebastian to Stuart are served out of their second location in Vero Beach. Based on customer ratings, 97% of their customers said they would recommend them to their friends and 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: Robin 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

Out2martincounty.com

Two Men & A Truck Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart -Two Men and A Truck of Treasure Coast first opened its doors in March of 2012. Since then, their team has earned rave reviews by delivering superior customer service to customers in the area. Customers from Sebastian to Stuart are served out of their second location in Vero Beach. Based on customer ratings, 97% of their customers said they would recommend them to their friends and 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: Robin 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

Out2martincounty.com

Two Men & A Truck Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart -Two Men and A Truck of Treasure Coast first opened its doors in March of 2012. Since then, their team has earned rave reviews by delivering superior customer service to customers in the area. Customers from Sebastian to Stuart are served out of their second location in Vero Beach. Based on customer ratings, 97% of their customers said they would recommend them to their friends and 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: Robin 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

Out2martincounty.com

Two Men & A Truck Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart -Two Men and A Truck of Treasure Coast first opened its doors in March of 2012. Since then, their team has earned rave reviews by delivering superior customer service to customers in the area. Customers from Sebastian to Stuart are served out of their second location in Vero Beach. Based on customer ratings, 97% of their customers said they would recommend them to their friends and 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: Robin 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

Out2martincounty.com

Two Men & A Truck Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart -Two Men and A Truck of Treasure Coast first opened its doors in March of 2012. Since then, their team has earned rave reviews by delivering superior customer service to customers in the area. Customers from Sebastian to Stuart are served out of their second location in Vero Beach. Based on customer ratings, 97% of their customers said they would recommend them to their friends and 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: Robin 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

Out2martincounty.com

Two Men & A Truck Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart -Two Men and A Truck of Treasure Coast first opened its doors in March of 2012. Since then, their team has earned rave reviews by delivering superior customer service to customers in the area. Customers from Sebastian to Stuart are served out of their second location in Vero Beach. Based on customer ratings, 97% of their customers said they would recommend them to their friends and 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: Robin 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

Out2martincounty.com

Two Men & A Truck Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart -Two Men and A Truck of Treasure Coast first opened its doors in March of 2012. Since then, their team has earned rave reviews by delivering superior customer service to customers in the area. Customers from Sebastian to Stuart are served out of their second location in Vero Beach. Based on customer ratings, 97% of their customers said they would recommend them to their friends and 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: Robin 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

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

In Photo: Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services – Speaker for the luncheon

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Ocean Breeze Resort Hosts Jensen Beach, Palm City and Stuart/Martin County Chamber Joint Luncheon

Out2News.com

Jensen Beach – On Thursday, July 19th a Joint Luncheon with Jensen Beach, Palm City and Stuart/Martin County Chambers was held at the Ocean Breeze Resort at 3000 NE Indian River Drive in Jensen Beach.

Members of all chambers were present to hear speaker Florida State Senator Denise Grimsley, Candidate for Florida Commissioner of Agriculture & Consumer Services, review important issues from throughout the state.

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”

Out2martincounty.com

Martin County Sheriff’s Pal Program Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Chamber Chairman Rob Gluckman-Treasure Coast Urgent & Primary Care, Trisha Kukuvka-M.C. Sheriff’s Office, Noel Devalle-PAL and M.C. Sheriff Capt. John Perez.

Stuart-Martin County Police Athletic League is a crime prevention community program designed to provide alternatives for kids and develop the bond with officers.

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

Martin County Sheriff’s Pal Program Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Michael Borlaug-Capstone IT,Sam Oaks- Comet Delivery Services and Dustin Oaks-Comet Delivery Services

Stuart-Martin County Police Athletic League is a crime prevention community program designed to provide alternatives for kids and develop the bond with officers.

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

Martin County Sheriff’s Pal Program Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Chamber Ambassador H.B. Barrett, Nicole Porter-Armellini On-Site Storage and Natalie Armellini-Armellini Express Lines

Stuart-Martin County Police Athletic League is a crime prevention community program designed to provide alternatives for kids and develop the bond with officers.

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

Martin County Sheriff’s Pal Program Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Barbara Nurenberg-Jon Smith Subs,Suzanne Adams-The Grace Place,Melissa Serra-photographer

Stuart-Martin County Police Athletic League is a crime prevention community program designed to provide alternatives for kids and develop the bond with officers.

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

White Glove Moving & Storage Sponsor of the Stuart/Martin County Chamber July Networking Luncheon at Bonefish Grill

Out2News.com

In Photo: Bill Norton – White Glove, Chamber Chairman Rob Gluckman – Treasure Coast Urgent & Primary Care, Anna Valencia-Tillery – White Glove, Chamber President/CEO Joe Catrambone

Stuart-White Glove Moving & Storage is more than 20 years of experience in packaging, shipping and moving fine furniture and art all over the world, created White Glove out of a need to service the Interior Design world. Currently, the company offers high quality moving, receiving, storage, and delivery services to an array of customers with pricing that can accommodate any budget.

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

White Glove Moving & Storage Sponsor of the Stuart/Martin County Chamber July Networking Luncheon at Bonefish Grill

Out2News.com

In Photo: Dan Weaver – Merrill Lynch, Brett Dugas – Comcast Spotlight

Stuart-White Glove Moving & Storage is more than 20 years of experience in packaging, shipping and moving fine furniture and art all over the world, created White Glove out of a need to service the Interior Design world. Currently, the company offers high quality moving, receiving, storage, and delivery services to an array of customers with pricing that can accommodate any budget.

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

White Glove Moving & Storage Sponsor of the Stuart/Martin County Chamber July Networking Luncheon at Bonefish Grill

Out2News.com

In Photo: Elisabeth Glynn – United Way of Martin County, Leslie Warren – Seacoast Bank

Stuart-White Glove Moving & Storage is more than 20 years of experience in packaging, shipping and moving fine furniture and art all over the world, created White Glove out of a need to service the Interior Design world. Currently, the company offers high quality moving, receiving, storage, and delivery services to an array of customers with pricing that can accommodate any budget.

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

White Glove Moving & Storage Sponsor of the Stuart/Martin County Chamber July Networking Luncheon at Bonefish Grill

Out2News.com

In Photo: Michelle Duquette – Courtyard by Marriott/Stuart, Candidate Sasha Dadan – Florida State Rep

Stuart-White Glove Moving & Storage is more than 20 years of experience in packaging, shipping and moving fine furniture and art all over the world, created White Glove out of a need to service the Interior Design world. Currently, the company offers high quality moving, receiving, storage, and delivery services to an array of customers with pricing that can accommodate any budget.

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

White Glove Moving & Storage Sponsor of the Stuart/Martin County Chamber July Networking Luncheon at Bonefish Grill

Out2News.com

In Photo: Tom Munhollen – ELB Consulting, Inc., Chairman Rob Gluckman – Treasure Coast Urgent & Primary Care

Stuart-White Glove Moving & Storage is more than 20 years of experience in packaging, shipping and moving fine furniture and art all over the world, created White Glove out of a need to service the Interior Design world. Currently, the company offers high quality moving, receiving, storage, and delivery services to an array of customers with pricing that can accommodate any budget.

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

Palm City Chamber of Commerce Celebrates Etling Orthodontics Ribbon Cutting

Out2News.com

Palm City -Dr. James Etling a respected provider in your orthodontic care community. Located in Palm City, their practice’s top priority is to provide you with the highest quality orthodontic care in a friendly, comfortable environment. They utilize the latest technological advancements in the industry, along with the latest computer technology, to ensure that you receive the most effective care possible.

They recognize that each patient has different needs, and they pride ourselves in the courteous service they deliver to every person who walks through their doors. Whether you’re an adult, adolescent or child, their knowledgeable doctor and staff are committed to helping you achieve the healthy, beautiful smile you deserve!

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

Shopping for a New or Used Car

Out2News.comIt’s time to replace your current car. But should you buy a new car or a used one? Consider the following advantages and disadvantages of each as you shop around for the vehicle that’s right for you.

Buying a new car

Advantages. That new-car smell, a clean interior, and the latest technology and safety features…there’s no denying the appeal of buying a new car. Aesthetics aside, there is an additional advantage to buying new: starting with a blank slate. You won’t need to worry about how the previous driver treated the vehicle. Ownership of a new car comes with the freedom to decide whether to modify the vehicle, how much to drive it, and how much insurance to carry (although your lender may impose some minimum requirements if you take out a loan to buy the car). Bear in mind that there are also state requirements as to how much insurance you need.

The warranty on a new car is typically much better than a used one, offering you greater protection against any defects that may cause your car to malfunction in the first few years of ownership. A new vehicle also comes with benefits like roadside assistance, higher fuel efficiency standards, and the latest safety features. These features help make your car safer to drive, which can provide you with peace of mind.

Disadvantages. The major downside of buying a new car is the hit it will take on your wallet. New cars tend to cost more than used cars for the same make and model, and they also depreciate in value more quickly. In fact, a vehicle loses the majority of its value in the first few years of ownership.

And remember, your new car won’t stay new forever. Eventually, the new-car smell will fade, dents and scratches could appear, and the interior will experience wear and tear.

Buying a used car

Advantages. Even if you can afford a new car, buying a used car can be a smart alternative. In addition to saving on the upfront cost, you’re also likely to save on insurance because used cars tend to be less expensive to insure than new cars.

Compared to new vehicles, used vehicles tend to depreciate less rapidly. Chances are that a used car’s previous owner paid for the bulk of depreciation.

Since most modern cars can go 100,000 miles or more with few mechanical problems, you might not even notice a difference between buying a late-model used car with low mileage and buying a new car.

Disadvantages. A used vehicle comes with many unknowns. You probably won’t know why it was traded in or how it was treated by the previous owner. As a result, you may need to be prepared to pay for required maintenance sooner than you would on a new car. You’ll want to have a reputable mechanic check out a used vehicle before you buy it. Though you’ll have to pay a mechanic for this service, it could end up saving you from paying costly repair bills down the road.

Bear in mind that your choice of models and options is much more limited if you decide to buy a used car. If you have your heart set on a specific kind of car or certain features, this might mean that you’ll need to spend a much longer time shopping around.

Additional considerations

Whether you choose to buy a new or used car, make sure you consider the following questions as you go through the car shopping process:

• What do you like and dislike about your current car?

• How will you use the car? Will it be a commuter vehicle that’s driven on highways daily, or will it be used less frequently around town?

• Do you need a larger car with a roomy trunk and plenty of seating to accommodate your family, or will a smaller two-door car suit your needs?

• What kinds of features are on your wish list? Do you want a car with the latest technology, or one with a leather interior? Is there a particular body style that you’d favor over another?

If you prefer to trade in your car for a new one every few years, explore leasing as an alternative to buying a new car. Monthly lease payments are generally lower than the payments on a loan to purchase the same vehicle. But leasing a car could mean that you’re required to carry more insurance than if you purchase the car. Plus, lease contracts can be confusing, so make sure you know exactly how they work to avoid paying more than you need to.

Buying a car is an important financial decision. Do your research and understand how this purchase will affect you in the short term and the long term to make the most out of your new ride.

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

 

CenterState Bank Hosts and Sponsor Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Chamber Chairman Rob Gluckman-Treasure Coast Urgent & Family Care, Amy Bottegal, Randy Pennington and Kim Klein with CenterState Bank.

Stuart-CenterState Bank was started by a group of bankers and entrepreneurs over 25 years ago with 3 separate banks in Polk, Osceola and Pasco Counties with the history of quality service and community focus.

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

CenterState Bank Hosts and Sponsor Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Craig Anderson, C&W Technologies; City of Stuart Interim Manager David Dyess and Bill Norton, White Glove Moving & Storage

Stuart-CenterState Bank was started by a group of bankers and entrepreneurs over 25 years ago with 3 separate banks in Polk, Osceola and Pasco Counties with the history of quality service and community focus.

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

CenterState Bank Hosts and Sponsor Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Michael Weissing-Merrill Lynch and Jake Scott-Colonial Life

Stuart-CenterState Bank was started by a group of bankers and entrepreneurs over 25 years ago with 3 separate banks in Polk, Osceola and Pasco Counties with the history of quality service and community focus.

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

CenterState Bank Hosts and Sponsor Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart-CenterState Bank was started by a group of bankers and entrepreneurs over 25 years ago with 3 separate banks in Polk, Osceola and Pasco Counties with the history of quality service and community focus.

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

Marriage and Money: Taking a Team Approach to Retirement

Out2News.comNow that it’s fairly common for families to have two wage earners, many husbands and wives are accumulating assets in separate employer-sponsored retirement accounts. In 2018, the maximum employee contribution to a 401(k) or 403(b) plan is $18,500 ($24,500 for those age 50 and older), and employers often match contributions up to a set percentage of salary.

But even when most of a married couple’s retirement assets reside in different accounts, it’s still possible to craft a unified retirement strategy. To make it work, open communication and teamwork are especially important when it comes to saving and investing for retirement.

Retirement for two

Tax-deferred retirement accounts such as 401(k)s, 403(b)s, and IRAs can only be held in one person’s name, although a spouse is typically listed as the beneficiary who would automatically inherit the account upon the original owner’s death. Taxable investment accounts, on the other hand, may be held jointly.

Owning and managing separate portfolios allows each spouse to choose investments based on his or her individual risk tolerance. Some couples may prefer to maintain a high level of independence for this reason, especially if one spouse is more comfortable with market volatility than the other.

However, sharing plan information and coordinating investments might help some families build more wealth over time. For example, one spouse’s workplace plan may offer a broader selection of investment options, or the offerings in one plan might be somewhat limited. With a joint strategy, both spouses agree on an appropriate asset allocation for their combined savings, and their contributions are invested in a way that takes advantage of each plan’s strengths while avoiding any weaknesses.

Asset allocation is a method to help manage investment risk; it does not guarantee a profit or protect against loss.

Spousal IRA opportunity

It can be difficult for a stay-at-home parent who is taking time out of the workforce, or anyone who isn’t an active participant in an employer-sponsored plan, to keep his or her retirement savings on track. Fortunately, a working spouse can contribute up to $5,500 to his or her own IRA and up to $5,500 more to a spouse’s IRA (in 2018), as long as the couple’s combined income exceeds both contributions and they file a joint tax return. An additional $1,000 catch-up contribution can be made for each spouse who is age 50 or older. All other IRA eligibility rules must be met.

Contributing to the IRA of a nonworking spouse offers married couples a chance to double up on retirement savings and might also provide a larger tax deduction than contributing to a single IRA. For married couples filing jointly, the ability to deduct contributions to the IRA of an active participant in an employer-sponsored plan is phased out if their modified adjusted gross income (MAGI) is between $101,000 and $121,000 (in 2018). There are higher phaseout limits when the contribution is being made to the IRA of a nonparticipating spouse: MAGI between $189,000 and $199,000 (in 2018).

Out2News.com

Thus, some participants in workplace plans who earn too much to deduct an IRA contribution for themselves may be able to make a deductible IRA contribution to the account of a nonparticipating spouse. You can make IRA contributions for the 2018 tax year up until April 15, 2019.

Withdrawals from tax-deferred retirement plans are taxed as ordinary income and may be subject to a 10% federal income tax penalty if withdrawn prior to age 59½, with certain exceptions as outlined by the IRS.

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

Stuart Martin County Chamber of Commerce Council of Chambers
Luncheon at Mariner Sands Country Club

Out2News.com

In Photo: Stuart/Martin County Chamber Chairman- Joe Catrambone, Candidates Harold Markey and Nikki Norton, Luncheon sponsor Amy Brunjes- FPL, Candidates Stacey Hetherington and Butch Olsen, Angela Hoffman-Hobe Sound Chamber Executive Director, Ron Rose-Jensen Beach Chamber Executive Director and Stuart/Martin County Chamber Chairman Rob Gluckman-Treasure Coast Urgent & Family Care.

Palm City- On June 19th the Council of Chambers Luncheon with the Stuart/Martin County Chamber of Commerce was held at Mariner Sands Country Club. The Luncheon was sponsored by FPL. The luncheon was to let all Martin County Commission Candidates have a chance to provide a brief overview of their positions on various local issues.

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 of Commerce Council of Chambers
Luncheon at Mariner Sands Country Club

Out2News.com

In Photo: Linda Fitzpatrick-Community Relations Coordinator Keiser University,John Hoatson-Campaign Chairman-Belinda Keiser For Florida Senate

 

Palm City- On June 19th the Council of Chambers Luncheon with the Stuart/Martin County Chamber of Commerce was held at Mariner Sands Country Club. The Luncheon was sponsored by FPL. The luncheon was to let all Martin County Commission Candidates have a chance to provide a brief overview of their positions on various local issues.

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 of Commerce Council of Chambers
Luncheon at Mariner Sands Country Club

Out2News.com

In Photo: Chelsey Matheson-Council on Aging/The Kane Center,Merritt Matheson-City of Stuart Commission Candidate

Palm City- On June 19th the Council of Chambers Luncheon with the Stuart/Martin County Chamber of Commerce was held at Mariner Sands Country Club. The Luncheon was sponsored by FPL. The luncheon was to let all Martin County Commission Candidates have a chance to provide a brief overview of their possitions on various local issues.

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 of Commerce Council of Chambers
Luncheon at Mariner Sands Country Club

Out2News.com

In Photo: Jess Brancaccio-Straticon Construction, Kiana Harris-Straticon Construction,Meredith Wahl-Sit & Stay Pet Care

Palm City- On June 19th the Council of Chambers Luncheon with the Stuart/Martin County Chamber of Commerce was held at Mariner Sands Country Club. The Luncheon was sponsored by FPL. The luncheon was to let all Martin County Commission Candidates have a chance to provide a brief overview of their possitions on various local issues.

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 I Undo my Roth IRA Conversion in 2018?

Out2News.comThe answer is: It depends.

When you convert a traditional IRA to a Roth IRA, you include the value of your traditional IRA, reduced by any nondeductible contributions you’ve made, in your income for federal tax purposes in the year of the conversion. For conversions prior to 2018, if you subsequently decided to “recharacterize” or undo the conversion for any reason — e.g., the value of your IRA assets declined after the conversion, resulting in a bad tax deal — the IRS would permit you to do so, provided the recharacterization took place in a timely fashion.

For example, assume you converted a fully taxable traditional IRA worth $50,000 to a Roth IRA in 2016. You would have been required to include $50,000 in income on your 2016 federal income tax return. But shortly after the conversion, the value of your Roth IRA declined to $40,000. Suddenly you were faced with the proposition of paying taxes on $50,000, while your Roth IRA was worth only $40,000. Fortunately, you had until your tax return due date (including extensions) to undo all or part of a conversion. So in this example, you would have had until October 15, 2017, to recharacterize the conversion.

Unfortunately, the Tax Cuts and Jobs Act passed in 2017 eliminated the option to recharacterize a Roth conversion, with one exception: If you converted your Roth IRA in 2017 and have since changed your mind, you have until your filing deadline, including extensions (or until October 15, 2018), to recharacterize.

When you recharacterize, you need to withdraw the amount you originally converted, plus any earnings, out of the Roth IRA and transfer it back to a traditional IRA.
If you already paid your taxes for 2017, you’ll need to file an amended return to obtain a refund for any taxes paid on the conversion. An amended return can generally be filed as late as three years after the original return was filed.

Undoing a Roth conversion can be complicated, so it’s probably a good idea to consult your tax professional before taking action.

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

NAI Southcoast Hosts Stuart/Martin County Chamber Networking Business After Hours

Out2News.com

In Photo: Host & Sponsor – Heather Tinney -Marketing Director NAI Southcoast, Stuart Duffin – Sales Associate, NAI Southcoast and his beautiful wife

Stuart – Established in 1982. It has a total of nine sales associates and six professional staff. It holds designations with the Society of Industrial and Office Realtors, Certified Commercial Investment Member/Realtor, The International Council of Shopping Centers, and Certified Shopping Center Manager designation for the ICSC.

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: 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”

Out2martincounty.com

NAI Southcoast Hosts Stuart/Martin County Chamber Networking Business After Hours

Out2News.com

Stuart – Established in 1982. It has a total of nine sales associates and six professional staff. It holds designations with the Society of Industrial and Office Realtors, Certified Commercial Investment Member/Realtor, The International Council of Shopping Centers, and Certified Shopping Center Manager designation for the ICSC.

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: 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”

Out2martincounty.com

NAI Southcoast Hosts Stuart/Martin County Chamber Networking Business After Hours

Out2News.com

Stuart – Established in 1982. It has a total of nine sales associates and six professional staff. It holds designations with the Society of Industrial and Office Realtors, Certified Commercial Investment Member/Realtor, The International Council of Shopping Centers, and Certified Shopping Center Manager designation for the ICSC.

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: 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”

Out2martincounty.com

NAI Southcoast Hosts Stuart/Martin County Chamber Networking Business After Hours

Out2News.com

Stuart – Established in 1982. It has a total of nine sales associates and six professional staff. It holds designations with the Society of Industrial and Office Realtors, Certified Commercial Investment Member/Realtor, The International Council of Shopping Centers, and Certified Shopping Center Manager designation for the ICSC.

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: 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”

Out2martincounty.com

NAI Southcoast Hosts Stuart/Martin County Chamber Networking Business After Hours

Out2News.com

Stuart – Established in 1982. It has a total of nine sales associates and six professional staff. It holds designations with the Society of Industrial and Office Realtors, Certified Commercial Investment Member/Realtor, The International Council of Shopping Centers, and Certified Shopping Center Manager designation for the ICSC.

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: 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”

Out2martincounty.com

NAI Southcoast Hosts Stuart/Martin County Chamber Networking Business After Hours

Out2News.com

Stuart – Established in 1982. It has a total of nine sales associates and six professional staff. It holds designations with the Society of Industrial and Office Realtors, Certified Commercial Investment Member/Realtor, The International Council of Shopping Centers, and Certified Shopping Center Manager designation for the ICSC.

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: 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”

Out2martincounty.com

NAI Southcoast Hosts Stuart/Martin County Chamber Networking Business After Hours

Out2News.com

Stuart – Established in 1982. It has a total of nine sales associates and six professional staff. It holds designations with the Society of Industrial and Office Realtors, Certified Commercial Investment Member/Realtor, The International Council of Shopping Centers, and Certified Shopping Center Manager designation for the ICSC.

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: 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”

Out2martincounty.com

Cole Clark Branch Boys & Girls Clubs of Martin County Host Hobe Sound Chamber of Commerce June Breakfast

Out2News.com

In photo: Doug Smith-Chamber President, Janus Background Investigations, Darlene VanRiper – Martin County Taxpayers Association, Dave Frodsham -Tetra Tech, Mike Sancho – Boys & Girls Clubs Martin County

Hobe Sound-The Hobe Sound Chamber of Commerce wishes to thank this Month’s speaker for breakfast Darlene VanRiper of Martin County Taxpayers Association. The event was sponsored by Dave Frodsham of Tetra Tech. The breakfast was catered by Scooters.

The Boys & Girls Club of Martin County is located at 11500 SE Lares Avenue in Hobe Sound.

The Hobe Sound Chamber of Commerce is a 501(c)non-profit organization. Their mission is to advance the general welfare and the prosperity of the Hobe Sound area so that its citizens and all areas of its business community shall prosper. All necessary means of promotion shall be provided and particular attention and emphasis shall be given to the economic, civic, commercial, cultural, industrial and educational interests of the area.

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

Cole Clark Branch Boys & Girls Clubs of Martin County Host Hobe Sound Chamber of Commerce June Breakfast

Out2News.com

In photo: Mike Sancho – Boys & Girls Clubs Martin County

Hobe Sound-The Hobe Sound Chamber of Commerce wishes to thank this Month’s speaker for breakfast Darlene VanRiper of Martin County Taxpayers Association. The event was sponsored by Dave Frodsham of Tetra Tech. The breakfast was catered by Scooters.

The Boys & Girls Club of Martin County is located at 11500 SE Lares Avenue in Hobe Sound.

The Hobe Sound Chamber of Commerce is a 501(c)non-profit organization. Their mission is to advance the general welfare and the prosperity of the Hobe Sound area so that its citizens and all areas of its business community shall prosper. All necessary means of promotion shall be provided and particular attention and emphasis shall be given to the economic, civic, commercial, cultural, industrial and educational interests of the area.

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

Cole Clark Branch Boys & Girls Clubs of Martin County Host Hobe Sound Chamber of Commerce June Breakfast

Out2News.com

In photo: Angela Yearwood – Boys & Girls Club, Fabiola Simon – Two Men and a Truck, Jackie  McNeal-Better Business Bureau

Hobe Sound-The Hobe Sound Chamber of Commerce wishes to thank this Month’s speaker for breakfast Darlene VanRiper of Martin County Taxpayers Association. The event was sponsored by Dave Frodsham of Tetra Tech. The breakfast was catered by Scooters.

The Boys & Girls Club of Martin County is located at 11500 SE Lares Avenue in Hobe Sound.

The Hobe Sound Chamber of Commerce is a 501(c)non-profit organization. Their mission is to advance the general welfare and the prosperity of the Hobe Sound area so that its citizens and all areas of its business community shall prosper. All necessary means of promotion shall be provided and particular attention and emphasis shall be given to the economic, civic, commercial, cultural, industrial and educational interests of the area.

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

Cole Clark Branch Boys & Girls Clubs of Martin County Host Hobe Sound Chamber of Commerce June Breakfast

Out2News.com

Hobe Sound-The Hobe Sound Chamber of Commerce wishes to thank this Month’s speaker for breakfast Darlene VanRiper of Martin County Taxpayers Association. The event was sponsored by Dave Frodsham of Tetra Tech. The breakfast was catered by Scooters.

The Boys & Girls Club of Martin County is located at 11500 SE Lares Avenue in Hobe Sound.

The Hobe Sound Chamber of Commerce is a 501(c)non-profit organization. Their mission is to advance the general welfare and the prosperity of the Hobe Sound area so that its citizens and all areas of its business community shall prosper. All necessary means of promotion shall be provided and particular attention and emphasis shall be given to the economic, civic, commercial, cultural, industrial and educational interests of the area.

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

Cole Clark Branch Boys & Girls Clubs of Martin County Host Hobe Sound Chamber of Commerce June Breakfast

Out2News.com

Hobe Sound-The Hobe Sound Chamber of Commerce wishes to thank this Month’s speaker for breakfast Darlene VanRiper of Martin County Taxpayers Association. The event was sponsored by Dave Frodsham of Tetra Tech. The breakfast was catered by Scooters.

The Boys & Girls Club of Martin County is located at 11500 SE Lares Avenue in Hobe Sound.

The Hobe Sound Chamber of Commerce is a 501(c)non-profit organization. Their mission is to advance the general welfare and the prosperity of the Hobe Sound area so that its citizens and all areas of its business community shall prosper. All necessary means of promotion shall be provided and particular attention and emphasis shall be given to the economic, civic, commercial, cultural, industrial and educational interests of the area.

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

Cole Clark Branch Boys & Girls Clubs of Martin County Host Hobe Sound Chamber of Commerce June Breakfast

Out2News.com

Hobe Sound-The Hobe Sound Chamber of Commerce wishes to thank this Month’s speaker for breakfast Darlene VanRiper of Martin County Taxpayers Association. The event was sponsored by Dave Frodsham of Tetra Tech. The breakfast was catered by Scooters.

The Boys & Girls Club of Martin County is located at 11500 SE Lares Avenue in Hobe Sound.

The Hobe Sound Chamber of Commerce is a 501(c)non-profit organization. Their mission is to advance the general welfare and the prosperity of the Hobe Sound area so that its citizens and all areas of its business community shall prosper. All necessary means of promotion shall be provided and particular attention and emphasis shall be given to the economic, civic, commercial, cultural, industrial and educational interests of the area.

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

Cole Clark Branch Boys & Girls Clubs of Martin County Host Hobe Sound Chamber of Commerce June Breakfast

Out2News.com

Hobe Sound-The Hobe Sound Chamber of Commerce wishes to thank this Month’s speaker for breakfast Darlene VanRiper of Martin County Taxpayers Association. The event was sponsored by Dave Frodsham of Tetra Tech. The breakfast was catered by Scooters.

The Boys & Girls Club of Martin County is located at 11500 SE Lares Avenue in Hobe Sound.

The Hobe Sound Chamber of Commerce is a 501(c)non-profit organization. Their mission is to advance the general welfare and the prosperity of the Hobe Sound area so that its citizens and all areas of its business community shall prosper. All necessary means of promotion shall be provided and particular attention and emphasis shall be given to the economic, civic, commercial, cultural, industrial and educational interests of the area.

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

Cole Clark Branch Boys & Girls Clubs of Martin County Host Hobe Sound Chamber of Commerce June Breakfast

Out2News.com

Hobe Sound-The Hobe Sound Chamber of Commerce wishes to thank this Month’s speaker for breakfast Darlene VanRiper of Martin County Taxpayers Association. The event was sponsored by Dave Frodsham of Tetra Tech. The breakfast was catered by Scooters.

The Boys & Girls Club of Martin County is located at 11500 SE Lares Avenue in Hobe Sound.

The Hobe Sound Chamber of Commerce is a 501(c)non-profit organization. Their mission is to advance the general welfare and the prosperity of the Hobe Sound area so that its citizens and all areas of its business community shall prosper. All necessary means of promotion shall be provided and particular attention and emphasis shall be given to the economic, civic, commercial, cultural, industrial and educational interests of the area.

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

Cole Clark Branch Boys & Girls Clubs of Martin County Host Hobe Sound Chamber of Commerce June Breakfast

Out2News.com

Hobe Sound-The Hobe Sound Chamber of Commerce wishes to thank this Month’s speaker for breakfast Darlene VanRiper of Martin County Taxpayers Association. The event was sponsored by Dave Frodsham of Tetra Tech. The breakfast was catered by Scooters.

The Boys & Girls Club of Martin County is located at 11500 SE Lares Avenue in Hobe Sound.

The Hobe Sound Chamber of Commerce is a 501(c)non-profit organization. Their mission is to advance the general welfare and the prosperity of the Hobe Sound area so that its citizens and all areas of its business community shall prosper. All necessary means of promotion shall be provided and particular attention and emphasis shall be given to the economic, civic, commercial, cultural, industrial and educational interests of the area.

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

Cole Clark Branch Boys & Girls Clubs of Martin County Host Hobe Sound Chamber of Commerce June Breakfast

Out2News.com

Hobe Sound-The Hobe Sound Chamber of Commerce wishes to thank this Month’s speaker for breakfast Darlene VanRiper of Martin County Taxpayers Association. The event was sponsored by Dave Frodsham of Tetra Tech. The breakfast was catered by Scooters.

The Boys & Girls Club of Martin County is located at 11500 SE Lares Avenue in Hobe Sound.

The Hobe Sound Chamber of Commerce is a 501(c)non-profit organization. Their mission is to advance the general welfare and the prosperity of the Hobe Sound area so that its citizens and all areas of its business community shall prosper. All necessary means of promotion shall be provided and particular attention and emphasis shall be given to the economic, civic, commercial, cultural, industrial and educational interests of the area.

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

Cole Clark Branch Boys & Girls Clubs of Martin County Host Hobe Sound Chamber of Commerce June Breakfast

Out2News.com

Hobe Sound-The Hobe Sound Chamber of Commerce wishes to thank this Month’s speaker for breakfast Darlene VanRiper of Martin County Taxpayers Association. The event was sponsored by Dave Frodsham of Tetra Tech. The breakfast was catered by Scooters.

The Boys & Girls Club of Martin County is located at 11500 SE Lares Avenue in Hobe Sound.

The Hobe Sound Chamber of Commerce is a 501(c)non-profit organization. Their mission is to advance the general welfare and the prosperity of the Hobe Sound area so that its citizens and all areas of its business community shall prosper. All necessary means of promotion shall be provided and particular attention and emphasis shall be given to the economic, civic, commercial, cultural, industrial and educational interests of the area.

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

Sailfish Cafe Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

In Photo: Host and Sponsor for the Breakfast – Ben Grant owner of The Sailfish Cafe

Stuart – Ben Grant owner of the Sailfish Cafe is a staple in Stuart and has been for years! For years they have been serving breakfast now they also serve Lunch! Located at 2891 SE Ocean Blvd., in Stuart.Call them at 772.324.8350.

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: 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

Sailfish Cafe Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Ben Grant owner of the Sailfish Cafe is a staple in Stuart and has been for years! For years they have been serving breakfast now they also serve Lunch! Located at 2891 SE Ocean Blvd., in Stuart.Call them at 772.324.8350.

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: 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

Sailfish Cafe Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Ben Grant owner of the Sailfish Cafe is a staple in Stuart and has been for years! For years they have been serving breakfast now they also serve Lunch! Located at 2891 SE Ocean Blvd., in Stuart.Call them at 772.324.8350.

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: 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

Sailfish Cafe Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Ben Grant owner of the Sailfish Cafe is a staple in Stuart and has been for years! For years they have been serving breakfast now they also serve Lunch! Located at 2891 SE Ocean Blvd., in Stuart.Call them at 772.324.8350.

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: 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

Sailfish Cafe Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Ben Grant owner of the Sailfish Cafe is a staple in Stuart and has been for years! For years they have been serving breakfast now they also serve Lunch! Located at 2891 SE Ocean Blvd., in Stuart.Call them at 772.324.8350.

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: 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

Sailfish Cafe Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Ben Grant owner of the Sailfish Cafe is a staple in Stuart and has been for years! For years they have been serving breakfast now they also serve Lunch! Located at 2891 SE Ocean Blvd., in Stuart.Call them at 772.324.8350.

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: 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

Sailfish Cafe Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Ben Grant owner of the Sailfish Cafe is a staple in Stuart and has been for years! For years they have been serving breakfast now they also serve Lunch! Located at 2891 SE Ocean Blvd., in Stuart.Call them at 772.324.8350.

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: 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

Sailfish Cafe Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Ben Grant owner of the Sailfish Cafe is a staple in Stuart and has been for years! For years they have been serving breakfast now they also serve Lunch! Located at 2891 SE Ocean Blvd., in Stuart.Call them at 772.324.8350.

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: 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

Sailfish Cafe Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Ben Grant owner of the Sailfish Cafe is a staple in Stuart and has been for years! For years they have been serving breakfast now they also serve Lunch! Located at 2891 SE Ocean Blvd., in Stuart.Call them at 772.324.8350.

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: 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

Sailfish Cafe Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Ben Grant owner of the Sailfish Cafe is a staple in Stuart and has been for years! For years they have been serving breakfast now they also serve Lunch! Located at 2891 SE Ocean Blvd., in Stuart.Call them at 772.324.8350.

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: 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

Sailfish Cafe Hosts Stuart/Martin County Chamber Networking Breakfast

Out2News.com

Stuart – Ben Grant owner of the Sailfish Cafe is a staple in Stuart and has been for years! For years they have been serving breakfast now they also serve Lunch! Located at 2891 SE Ocean Blvd., in Stuart.Call them at 772.324.8350.

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: 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

Quiz: 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 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

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Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Sandhill Cove Retirement Living Palm City Chamber of Commerce Candidate Forum Luncheon

Out2News.com

Palm City – On Thursday, June 7, 2018 Martin County Economics Council and the Palm City Chamber of Commerce held the Candidate Forum with Martin County Commission Candidates and Martin Country School Board Candidates at Sandhill Cove Retirement Living, located in Palm City. The event was sponsored by the Stuart Jet Center, LLC.

The luncheon gave members of the chambers the opportunity to learn more about the candidates, ask questions and listen to the views and beliefs on each one subject addressed. The event was monitored by Shawn Plymale with Treasure Coast Legal.

The Stuart Jet Center is located at Witham Field in Stuart. They are a 53-acre facility with hangars large enoughto accommodate airecraft as large as Golfstream V.

The Economic Council of Martin County is an organization of community and business leaders dedicated to building a quality community, which provides a healthy economy and improves our quality of life. Contact them at 772-288-1225

The 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: 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

Palm City Chamber of Commerce Celebrates Kelly Spoto/ReMax Ultimate Realty Ribbon Cutting

Out2News.com

Jensen Beach – On Wednesday, June 6th Kelly Spoto /ReMax Ultimate Realty had a ribbon cutting/ Luncheon at their office at 3350 NW Royal Oak Blvd. in Jensen Beach. Re/Max Realty realtors, family and friend along with the Palm City Chamber of Commerce Board Members,Ambassadors.

For more information contact Kelly Spoto at 772.634.2681.

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

Palm City Chamber of Commerce Celebrates Kelly Spoto/ReMax Ultimate Realty Ribbon Cutting

Out2News.com

Jensen Beach – On Wednesday, June 6th Kelly Spoto /ReMax Ultimate Realty had a ribbon cutting/ Luncheon at their office at 3350 NW Royal Oak Blvd. in Jensen Beach. Re/Max Realty realtors, family and friend along with the Palm City Chamber of Commerce Board Members,Ambassadors.

For more information contact Kelly Spoto at 772.634.2681.

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

Palm City Chamber of Commerce Celebrates Kelly Spoto/ReMax Ultimate Realty Ribbon Cutting

Out2News.com

Jensen Beach – On Wednesday, June 6th Kelly Spoto /ReMax Ultimate Realty had a ribbon cutting/ Luncheon at their office at 3350 NW Royal Oak Blvd. in Jensen Beach. Re/Max Realty realtors, family and friend along with the Palm City Chamber of Commerce Board Members,Ambassadors.

For more information contact Kelly Spoto at 772.634.2681.

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

Palm City Chamber of Commerce Celebrates Kelly Spoto/ReMax Ultimate Realty Ribbon Cutting

Out2News.com

Jensen Beach – On Wednesday, June 6th Kelly Spoto /ReMax Ultimate Realty had a ribbon cutting/ Luncheon at their office at 3350 NW Royal Oak Blvd. in Jensen Beach. Re/Max Realty realtors, family and friend along with the Palm City Chamber of Commerce Board Members,Ambassadors.

For more information contact Kelly Spoto at 772.634.2681.

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

Palm City Chamber of Commerce Celebrates Kelly Spoto/ReMax Ultimate Realty Ribbon Cutting

Out2News.com

Jensen Beach – On Wednesday, June 6th Kelly Spoto /ReMax Ultimate Realty had a ribbon cutting/ Luncheon at their office at 3350 NW Royal Oak Blvd. in Jensen Beach. Re/Max Realty realtors, family and friend along with the Palm City Chamber of Commerce Board Members,Ambassadors.

For more information contact Kelly Spoto at 772.634.2681.

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

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 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

Mid-Year Planning: Tax Changes to Factor In

Out2News.com

Out2News.comThe Tax Cuts and Jobs Act, passed in December of last year, fundamentally changes the federal tax landscape for both individuals and businesses. Many of the provisions in the legislation are permanent, others (including most of the tax cuts that apply to individuals) expire at the end of 2025. Here are some of the significant changes you should factor in to any mid-year tax planning. You should also consider reviewing your situation with a tax professional.

New lower marginal income tax rates
In 2018, there remain seven marginal income tax brackets, but most of the rates have dropped from last year. The new rates are 10%, 12%, 22%, 24%, 32%, 35%, and 37%. Most, but not all, will benefit to some degree from the lower rates. For example, all other things being equal, those filing as single with taxable incomes between approximately $157,000 and $400,000 may actually end up paying tax at a higher top marginal rate than they would have last year. Consider how the new rates will affect you based on your filing status and estimated taxable income.

Higher standard deduction amounts
Standard deduction amounts are nearly double what they were last year, but personal exemptions (the amount, $4,050 in 2017, that you could deduct for yourself, and potentially your spouse and your dependents) are no longer available. Additional standard deduction amounts allowed for the elderly and the blind remain available for those who qualify. If you’re single or married without children, the increase in the standard deduction more than makes up for the loss of personal exemption deductions. If you’re a family of four or more, though, the math doesn’t work out in your favor.

Itemized deductions — good and bad
The overall limit on itemized deductions that applied to higher-income taxpayers is repealed, the income threshold for deducting medical expenses is reduced for 2018, and the income limitations on charitable deductions are eased. That’s the good news. The bad news is that the deduction for personal casualty and theft losses is eliminated, except for casualty losses suffered in a federal disaster area, and miscellaneous itemized deductions that would be subject to the 2% AGI threshold, including tax-preparation expenses and unreimbursed employee business expenses, are no longer deductible.

Other deductions affected include:
• State and local taxes — Individuals are only able to claim an itemized deduction of up to $10,000 ($5,000 if married filing a separate return) for state and local property taxes and state and local income taxes (or sales taxes in lieu of income).
• Home mortgage interest deduction — Individuals can deduct mortgage interest on no more than $750,000 ($375,000 for married individuals filing separately) of qualifying mortgage debt. For mortgage debt incurred prior to December 16, 2017, the prior $1 million limit will continue to apply. No deduction is allowed for interest on home equity loans or lines of credit unless the debt is used to buy, build or substantially improve a principal residence or a second home.
Other important changes
• Child tax credit — The credit has been doubled to $2,000 per qualifying child, refundability has been expanded, and the credit will now be available to many who didn’t qualify in the past based on income; there’s also a new nonrefundable $500 credit for dependents who aren’t qualified children for purposes of the credit.
• Alternative minimum tax (AMT) — The Tax Cuts and Jobs Act significantly narrowed the reach of the AMT by increasing AMT exemption amounts and dramatically increasing the income threshold at which the exemptions begin to phase out.
• Roth conversion recharacterizations — In a permanent change that starts this year, Roth conversions can’t be “undone” by recharacterizing the conversion as a traditional IRA contribution by the return due date.

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 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”

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ITS Fiber & Waste Management Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

ITS Fiber Business Services are premium communication products offered by ITS Telecommunications Systems, Inc. (ITS Telecom) based in Indiantown, Florida. The company’s 60+ years of serving businesses and residents with state-of-the-art telecommunication service has prepared the way for today’s premier business offerings. Through the cutting-edge technology of our 100% fiber-optic network we are able to provide a variety of metro (broadband) connections, network, data center, voice, and cloud services for small to large organizations.

They are located at 15931 SW Warfield Blvd., Indiantown or call them at 772-597-3423.

Waste Management is the leading provider of comprehensive waste management services in North America, providing services that range from collection and disposal to recycling and renewable energy generation.Contact them at: 772-5456-7700.Located in Hobe Sound at 770 SE Bridge Road.

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

ITS Fiber & Waste Management Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

Indiantown-ITS Fiber Business Services are premium communication products offered by ITS Telecommunications Systems, Inc. (ITS Telecom) based in Indiantown, Florida. The company’s 60+ years of serving businesses and residents with state-of-the-art telecommunication service has prepared the way for today’s premier business offerings. Through the cutting-edge technology of our 100% fiber-optic network we are able to provide a variety of metro (broadband) connections, network, data center, voice, and cloud services for small to large organizations.

They are located at 15931 SW Warfield Blvd., Indiantown or call them at 772-597-3423.

Waste Management is the leading provider of comprehensive waste management services in North America, providing services that range from collection and disposal to recycling and renewable energy generation.Contact them at: 772-5456-7700.Located in Hobe Sound at 770 SE Bridge Road.

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

ITS Fiber & Waste Management Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

Indiantown-ITS Fiber Business Services are premium communication products offered by ITS Telecommunications Systems, Inc. (ITS Telecom) based in Indiantown, Florida. The company’s 60+ years of serving businesses and residents with state-of-the-art telecommunication service has prepared the way for today’s premier business offerings. Through the cutting-edge technology of our 100% fiber-optic network we are able to provide a variety of metro (broadband) connections, network, data center, voice, and cloud services for small to large organizations.

They are located at 15931 SW Warfield Blvd., Indiantown or call them at 772-597-3423.

Waste Management is the leading provider of comprehensive waste management services in North America, providing services that range from collection and disposal to recycling and renewable energy generation.Contact them at: 772-5456-7700.Located in Hobe Sound at 770 SE Bridge Road.

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

ITS Fiber & Waste Management Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

Indiantown-ITS Fiber Business Services are premium communication products offered by ITS Telecommunications Systems, Inc. (ITS Telecom) based in Indiantown, Florida. The company’s 60+ years of serving businesses and residents with state-of-the-art telecommunication service has prepared the way for today’s premier business offerings. Through the cutting-edge technology of our 100% fiber-optic network we are able to provide a variety of metro (broadband) connections, network, data center, voice, and cloud services for small to large organizations.

They are located at 15931 SW Warfield Blvd., Indiantown or call them at 772-597-3423.

Waste Management is the leading provider of comprehensive waste management services in North America, providing services that range from collection and disposal to recycling and renewable energy generation.Contact them at: 772-5456-7700.Located in Hobe Sound at 770 SE Bridge Road.

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

ITS Fiber & Waste Management Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

Indiantown-ITS Fiber Business Services are premium communication products offered by ITS Telecommunications Systems, Inc. (ITS Telecom) based in Indiantown, Florida. The company’s 60+ years of serving businesses and residents with state-of-the-art telecommunication service has prepared the way for today’s premier business offerings. Through the cutting-edge technology of our 100% fiber-optic network we are able to provide a variety of metro (broadband) connections, network, data center, voice, and cloud services for small to large organizations.

They are located at 15931 SW Warfield Blvd., Indiantown or call them at 772-597-3423.

Waste Management is the leading provider of comprehensive waste management services in North America, providing services that range from collection and disposal to recycling and renewable energy generation.Contact them at: 772-5456-7700.Located in Hobe Sound at 770 SE Bridge Road.

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

ITS Fiber & Waste Management Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

Indiantown-ITS Fiber Business Services are premium communication products offered by ITS Telecommunications Systems, Inc. (ITS Telecom) based in Indiantown, Florida. The company’s 60+ years of serving businesses and residents with state-of-the-art telecommunication service has prepared the way for today’s premier business offerings. Through the cutting-edge technology of our 100% fiber-optic network we are able to provide a variety of metro (broadband) connections, network, data center, voice, and cloud services for small to large organizations.

They are located at 15931 SW Warfield Blvd., Indiantown or call them at 772-597-3423.

Waste Management is the leading provider of comprehensive waste management services in North America, providing services that range from collection and disposal to recycling and renewable energy generation.Contact them at: 772-5456-7700.Located in Hobe Sound at 770 SE Bridge Road.

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

ITS Fiber & Waste Management Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

Indiantown-ITS Fiber Business Services are premium communication products offered by ITS Telecommunications Systems, Inc. (ITS Telecom) based in Indiantown, Florida. The company’s 60+ years of serving businesses and residents with state-of-the-art telecommunication service has prepared the way for today’s premier business offerings. Through the cutting-edge technology of our 100% fiber-optic network we are able to provide a variety of metro (broadband) connections, network, data center, voice, and cloud services for small to large organizations.

They are located at 15931 SW Warfield Blvd., Indiantown or call them at 772-597-3423.

Waste Management is the leading provider of comprehensive waste management services in North America, providing services that range from collection and disposal to recycling and renewable energy generation.Contact them at: 772-5456-7700.Located in Hobe Sound at 770 SE Bridge Road.

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

ITS Fiber & Waste Management Hosts Palm City Chamber Business After Hours & Ribbon Cutting

Out2News.com

Indiantown-ITS Fiber Business Services are premium communication products offered by ITS Telecommunications Systems, Inc. (ITS Telecom) based in Indiantown, Florida. The company’s 60+ years of serving businesses and residents with state-of-the-art telecommunication service has prepared the way for today’s premier business offerings. Through the cutting-edge technology of our 100% fiber-optic network we are able to provide a variety of metro (broadband) connections, network, data center, voice, and cloud services for small to large organizations.

They are located at 15931 SW Warfield Blvd., Indiantown or call them at 772-597-3423.

Waste Management is the leading provider of comprehensive waste management services in North America, providing services that range from collection and disposal to recycling and renewable energy generation.Contact them at: 772-5456-7700.Located in Hobe Sound at 770 SE Bridge Road.

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

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

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

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

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

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/

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/

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/

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

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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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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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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