Miles Grant Golf & Country Club Hosts Hobe Sound Chamber of Commerce August Breakfast


Stuart – On Wednesday, August 6, 2020 The Hobe Sound Chamber of Commerce had their monthly breakfast. Approximately 50 members attended.  Miles Grant Country Club did a great job with the social distancing of the membership. All attendees wore masks throughout the event.

They are located at: 5101 SE Miles Grant Road in Stuart. Miles Grant is a private country club located in Stuart, Florida, at East Cove Road on the shores of the Intracoastal Waterway and near the inlet to the sea, the Saint Lucie.

The club offers an 18-hole par-64 course, Har-Tru clay tennis courts, pool, shuffleboard, bocce and croquet, to name a few outdoor activities. Both formal and casual dining are offered at the Clubhouse. For more information call them at: 772-286-2220.

The sponsor for the breakfast was Joan Goodrich, Executive Director with the Business Development Board of Martin County. She spoke about how the Business Development Board helps businesses in the community. They are there to help your business navigate the local, regional, state and national resources here to help you prepare, maintain business continuity and recover, if needed. Contact them at 772.221.1380 or email us at with any questions.

The Hobe Sound Chamber of Commerce plays a significant role in the Martin County and northern Palm Beach County business community. The Chamber is a business organization financed entirely by membership investments. It provides opportunities for members to stay connected, network, advertise, receive continuing education, business support and always gives back to their community.  They are located at: 8958 SE Bridge Rd, Hobe Sound. Contact them at: 772-546-4724.

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Martin County Launches Business Renewal Program

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Martin County is pleased to announce the Business Renewal Program, designed to help businesses that were required to close or limit operations due to the Coronavirus pandemic. Martin County’s Business Renewal Program will utilize Coronavirus Aid, Relief, and Economic Security Act (CARES Act) funding and focus on Martin County-based small businesses with $5 million or less in annual gross sales.

The Business Renewal Program officially launches August 3 and will remain active as long as funds are available. The Business Renewal Program office is located at the Peter & Julie Cummings Library, at 2551 SW Matheson Ave. in Palm City. Small business owners interested in finding out more information or making an appointment can call 772-288-5951, Monday through Friday, 9 a.m. to 5 p.m., or email

“I am truly excited that we are able to offer this program to our Martin County business owners,” said George Stokus, Assistant County Administrator. “This is just the first step. We will be reaching out to the business community in the coming weeks to make owners aware of the program. Our goal is to be sure everyone who may be eligible has a chance to apply.”

A number of eligibility requirements must be met in order to qualify for the reimbursement grant. Businesses that had ongoing expenses while closed may be eligible to apply for a reimbursement grant of up to $20,000. Eligible expense reimbursements include wages, inventories, mortgage or rent payments, or other expenses required due to the virus.

Visit for program information and requirements, as well as the application packet including frequently asked questions.

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Home2 Suites By Hilton Host Jensen Beach Breakfast


On Thursday, July 30 at 7:45am the Jensen Beach Chamber of Commerce met for a breakfast with it's membership. The event was held at Home2 Suites By Hilton
at 1440 NW Federal Highway in Stuart. Kristy Byrick, Director of Sales greeted all members with a warm welcome who attended. Mask were required and all of the members who attended wore them. A light breakfast with coffee was available. Home2 Suites by Hilton offers suites with the great amenities you want—fitness centers, laundry, pools, and more. Every stay includes free hot breakfast, free WiFi, free parking, use of the fitness center, outdoor saline pool. We’re a 100% smoke-free hotel. Ask about our pet-friendly rooms.Every stay includes free hot breakfast, free WiFi, free parking, use of the fitness center, outdoor saline pool. We’re a 100% smoke-free hotel. Ask about our pet-friendly rooms. Contact them at: 772-208-5858.

Lisa Tufo, Member Services started the breakfast by introducing Kristy Byrick, Director of Sales for the Home2 Suites. She spoke about the new hotel and the many different ammenties they have to offer. She invited members to take a look at one of the rooms they have to offer.
Ron Rose, President CEO of the Jensen Beach Chamber also invited the members to introduce themselves and tell a little bit about their businesses.

The Jensen Beach Chamber of Commerce is located at 1960 NE Jensen Beach Blvd. in Downtown Jensen Beach You can reach by phone: 772-334-3444

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Monarch Golf & Country Club Hosts Palm City Chamber of Commerce July Breakfast


Palm City – On Wednesday, July 29, 2020 The Palm City Chamber of Commerce had their first Breakfast in many months. The event was well attended with approximately 50 attendees. Most attendees wore masks throughout the event.

Monarch Golf & Country Club did an outstanding job catering and social distancing with members, serving coffee, juice and of course breakfast.
They are located at: 1801 SW. Monarch Club Drive, Palm City. Monarch Golf & Country Club is located in Palm City with the great tradition of Southern golf courses, Arnold Palmer was given free reign to create the ideal course. Enhancing the natural beauty of Monarch with its ideal location, exceptional amenities and gracious service. For more information call them at: 772.286-8447.

First sponsor for the breakfast was Joan Goodrich, Executive Director with the Business Development Board of Martin County. She spoke about how the Business Development Board helps businesses in the community. They are there to help your business navigate the local, regional, state and national resources here to help you prepare, maintain business continuity and recover, if needed. Contact them at 772.221.1380 or email us at with any questions.

Second Sponsor for the breakfast was Martin County Boys & Girls Club. Angela Hoffman was the speaker. She spoke about was the Boys & Girls Club does throughout the community and also what they are doing in the Covid 19 times. The Boys & Girls Club provide world-class Club Experience that assures success is within reach of every young person who enters their doors, with all members on track to graduate from high school with a plan for the future, demonstrating good character and citizenship, and living a healthy lifestyle.

The Palm City Chamber of Commerce strives to promote the continuous improvement of the common good and the quality of life in the community through the pursuit of new business. They are located in Palm City at 3168 SW Martin Downs Blvd. Contact them at: 772-286-8121.

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10 Steps Notaries Can Take To Avoid Being Sued

20 July Notary Article

Article by: David Thun

1.Never Notarize for a Signer Who Isn’t Present
The most common reason Notaries are sued and have their commissions revoked or suspended is failing to require a signer’s personal appearance. Be sure to always abide by your state’s personal appearance requirements, however, it defines them. And never skip the requirement “as a favor” or “just this once.” If you do, you’re setting yourself up for trouble.

2. Don’t Notarize Incomplete Documents
A document needs to be completed prior to notarization. If you notarize an incomplete document — for example, a loan document with the interest rates or terms left blank — there is a risk those blanks could be filled in with fraudulent information. By making sure all blanks are filled in at the time you notarize, you protect both the signer and the transaction from potential fraud, and reduce your risk of being sued.

3. Always Identify Your Signers
Identifying your signers in compliance with your state’s Notary laws is crucial. Many lawsuits against Notaries are filed because the Notary carelessly failed to request proper ID which allowed a signer to commit fraud. Always follow your state’s laws to ensure a signer’s identity is properly vetted.

4. Verify Your Signer’s Willingness and Awareness
One of your key responsibilities is to make sure your signer is signing the document willingly and understands what they are signing. Always ask your signer a few simple questions. If the signer appears reluctant to sign, disoriented — or another person appears to be trying to pressure the signer — do not proceed with the notarization. This will protect all parties to the document, including you, from allegations of duress.

5. Keep a Journal Record of Your Notarizations
A well-kept journal of your notarial acts is one of the best defenses you can have against lawsuits. A legible, complete journal entry provides evidence to help determine what happened if a notarization is disputed, and can also help show you followed appropriate steps when notarizing. If your state sets rules for what information must be recorded in a journal entry, be sure to follow them. Incomplete and sloppy journal entries are red flags that can call into question your Notary practices.

6. Stay Impartial and Don’t Offer Advice
Never notarize your own signature or a document in which you are personally named because a Notary’s impartiality can be questioned in these circumstances. If you will receive a direct benefit, fee, commission or advantage other than the fee allowed by state law, you also should not notarize. Some states also prohibit Notaries from notarizing for close family members. Even if not specifically prohibited by law, it’s a good idea to avoid notarizing for close family members to make sure your impartiality is never questioned. Also, never give advice about the contents of the document or details of the transaction. Doing so can lead to your being sued or facing other penalties for the unauthorized practice of law. If a client asks you for advice about the legality of a document or how to complete it, tell the signer that you are prohibited by law from giving unauthorized legal advice.

7. Complete the Notary Certificate Correctly
Careless mistakes with Notary certificates, such as forgetting to fill in a certificate or writing the wrong information, are another common reason Notaries get sued. The public relies upon the facts attested in every certificate of acknowledgment or jurat you sign. Make sure you enter the correct county and state, name of the signer, and date of notarization. Also, be sure your seal is legibly affixed.

8. Never Notarize After Your Commission Expires
If your commission expires and you fail to realize it, any document you notarize after the expiration date could be questioned. If your commission expires and there’s a delay in the renewal process, do not notarize until you have your new commission in hand.

9. Never Let Anyone Else Use Your Notary Seal
If someone else gets access to your seal, they can use your Notary seal to commit fraud and do significant harm to others — and you could be held responsible. Always store your seal in a locked, secured area when not in use, and never let anyone else borrow it or take it. The seal has your name on it, and you are the only one allowed to use it.

10. Make Sure You Have Errors and Omissions Insurance
Even if your state requires you to obtain a surety bond, the bond isn’t an insurance policy and doesn’t protect you from financial liability or cover legal costs. A bond only protects your customers if they are financially damaged by your negligence. Also, you may be responsible for paying back any money the surety company pays out from the bond. An E&O insurance policy can help cover your risk of financial damages in the event you are sued. Some policies also cover legal fees such as attorney costs. Think of it like driving a car — safe drivers are mostly able to avoid accidents. However, sometimes good drivers get into accidents, and sometimes even the most diligent Notaries make mistakes.

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Key Considerations for Managing a Remote Workforce

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The post-COVID-19 world will likely see a major shift toward companies maintaining remote workforces. Due to government-mandated business closures and stay-home orders, many owners and employees of small businesses have been forced to work virtually, and they have seen the benefits. Studies show that remote working increases productivity.Large technology companies like Facebook and Twitter have announced that they will be implementing remote working until at least September 2020. Some companies have even gone as far as to give employees the option of working from home permanently. The “new normal” that many predict involves more companies maintaining a remote workforce.

As a business owner, you may be exploring the idea of permanently utilizing a remote workforce; however, you may not be aware of all of the relevant factors to consider and preparations to implement. Be sure to take the following measures as you move toward permanent virtual employment.

1. Increase security measures for information stored in the cloud.

As your company begins functioning in a paperless world, you must take appropriate steps to ensure data shared over digital cloud networks are secure. One way to increase security is to provide the specific tools employees will use in completing their tasks. For example, establish a policy allowing only company-issued phones and laptops to be used when handling work business. In complying with these measures, keep your team accountable by restricting the reception and transmission of company emails; requiring the use of secure passwords—passwords comprised of many characters, including symbols and numerals;
providing guidelines regarding proper social media usage; and
providing access to encrypted wireless networks.
By taking these additional precautions, a company addresses confidentiality concerns and further protects itself and its customers or clients from potential data breaches.

2. Comply with federal and state wage laws.

For business owners, understanding labor rules and laws that apply to specific situations is key for the successful implementation and continuation of a remote workforce. It is important to keep in mind that federal legislation requires employers to pay nonexempt workers for any work over forty hours in a single workweek. This is especially challenging for individuals classified as part-time workers, because tracking their time at home could be difficult and could result in a nonexempt worker exceeding the forty-hour cap. As a result, when working with a remote workforce, it is critical to create systems and structures that enable employees to indicate and record their start and end times. Additionally, most states have minimum wage requirements, with some exceeding the federal minimum wage of $7.25 per hour. If you have an employee who resides in a state whose minimum wage differs from the federal minimum wage, you are required to pay the higher of the two.

3. Pay applicable taxes.

For employers with remote employees in more than one state, payment of state taxes is a key requirement. Typically, if you and your employees are in one state, you are only responsible for paying taxes in that state. However, this rule changes if your business has a nexus to another state as determined by that state’s law. The presence of an employee in a state usually constitutes sufficient evidence of such a nexus. In these instances, you are required to pay taxes in that state.

4. If You Need Help….Ask Us. We Can Help!

We are dedicated to helping you adjust and thrive in the post-COVID-19 world. If you have any questions about developing your remote work employee policy, do not hesitate to call our office. A dedicated attorney will be available to guide you through the process. We are happy to meet with you by phone or video conference if you prefer.

Woodward,Kelley,Fulton & Kaplan
27 SE Ocean Blvd.
Stuart, FL 34994
(772) 497-6544

5 Mistakes People Make After A Car Crash

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Hutchinson Shores Beach Resort & Spa Hosts Palm City Chamber of Commerce Business After Hours


Jensen Beach – On Thursday, June 25, 2020 The Palm City Chamber of Commerce had their first Business After Hours in many months. The event was well attended. Most attendees wore masks throughout the event.
The event was held at the Hutchinson Shores Beach Resort & Spa in Jensen Beach. Ed Griffith is the General Manager of the premier resort for family vacations, meetings, corporate retreats, oceanfront weddings, and spa getaways. The Jensen Beach hotel offers 178 oceanfront accommodations with coastal-inspired decor and private balconies, along with exceptional resort amenities including a signature spa, two outdoor pools, oceanfront dining.
They are located at 3793 NE Ocean Boulevard in Jensen Beach. For more information call them at: 772.334.1950.

The Palm City Chamber of Commerce strives to promote the continuous improvement of the common good and the quality of life in the community through the pursuit of new business. They are located in Palm City at 3168 SW Martin Downs Blvd. Contact them at: 772-286-8121.

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Katie Watts Named Executive Director for Molly’s House Engaging Personality with Strong Leadership Skills

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STUART, FL – There is a new face in town, and she is making quite an impression on the tight knit community in Stuart. Katie Watts was recently named Executive Director, for Molly’s House, located across from the Cleveland Clinic Martin Health in downtown Stuart. Watts brings 15 years of experience in non-profit management and has a proven track record of success with her solution-focused leadership style.

“My daughter and I moved to the Treasure Coast a short time ago and found this area perfect for us and my career” said Watts. “The Sharkey family has been so warm and welcoming. I’m grateful for this opportunity”. Her enthusiasm radiates as she makes her rounds to introduce herself to community members and other non-profit organizations.

Betsy Herold, Chairperson of the Molly’s House Board of Trustees, praises Watts’ experience and management style. “We are very impressed with Katie,” said Herold. “Her excitement and enthusiasm for the job, coupled with her extensive nonprofit experience made her the perfect candidate for the position.”

Kevin Sharkey, Founder and Molly’s father, notes that Molly’s House will soon celebrate its 25th anniversary, and he’s confident “Katie will continue to keep Molly’s dream alive and further the Molly’s House mission.”

About Molly’s House
Molly’s House opened its doors in 1996 to provide affordable accommodations for individuals and families of patients receiving medical treatment. Molly’s House is a proud member of Healthcare Hospitality Network and features 14 bedrooms with private bathrooms. Molly’s House strives for a home a way from home feeling and incudes the following amenities: shuttle to Cleveland Clinic Martin Health, a library, free WiFi, 2 kitchens, continental breakfast, laundry, and a serenity garden. If you would like more information, please call Molly’s House at 772-223-6659.
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Earned Immunity: How the EARN IT Act Balances Protections for Children and Innovation Online


Over the past few months as the COVID-19 crisis has spread across the nation, students have moved from schools to online learning platforms, thousands of employees have moved from office buildings to home offices, and many organizations that serve and support child victims of sexual exploitation must now rely on the internet to reach out to and counsel exploited children. While these online platforms have provided essential access for those seeking to support and protect children, these same platforms provide predators and exploiters unprecedented access to groom and exploit children, and many refuse to take common sense steps to prevent exploitation or even to quickly identify and end it when it occurs.

As concerns about child safety online have increased, caregivers must now add the role of “online protector” to the many other roles they are currently playing during this pandemic. What this highlights is the need to establish online protections for children at the source, rather than shifting this overwhelming burden to caregivers, teachers, service providers and law enforcement. Those who develop online platforms should be employing that same innovation to help stop predators and exploiters who misuse these platforms and to quickly identify and interrupt exploitation when it happens.

Listen to sponsors of the EARN IT Act, and NGOs combating human trafficking and child exploitation discuss how EARN IT would bring together leading experts in the tech industry with leaders in the fight against sexual exploitation of children in a new national commission. This bipartisan commission is tasked with developing innovative and groundbreaking best practices for preventing and responding to child sexual exploitation online while fostering an open internet.

Discussion Facilitators:
Blair Bjellos, Policy Advisor for Justice Programs, Senate Judiciary Committee Chairman Lindsey Graham
Collin Anderson, Privacy and Cybersecurity Policy Advisor, Senator Blumenthal
Ryan Dattilo, Chief Antitrust and Bankruptcy Counsel, Senate Judiciary Committee Chairman Lindsey Graham
Eleanor Kennelly Gaetan, Director, Government Relations, National Center on Sexual Exploitation
Chris McKenna, Founder and CEO, Protect Young Eyes

Christine Raino, Senior Director of Public Policy, Shared Hope International

Click Here to View the Recording on Our Training Page

Click Here to View the Fact Sheet about the EARN IT Act

Click Here to support the EARN IT Act by contacting your legislators.

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Tykes & Teens Welcomes New Chief Executive Officer

20 June Tykes & Teens

Stuart - Tykes & Teens is pleased to announce that Rodney Battles, MBA has joined the organization as Chief Executive Officer, overseeing all agency operations and programming in Martin, St. Lucie, Indian River and Okeechobee Counties. Battles comes to Tykes & Teens with more than 30 years of leadership experience and a passion for working with children and teens that began in the heart of Appalachia in eastern Kentucky. A lack of opportunity for families in that region inspired his desire to make a meaningful difference, and provide resources to help those in need reach their full potential. Battles received a Bachelor of Science in Hospital Administration with minors in Marketing and Human Resource Management from the University of Alabama, and a Master’s degree in Business Administration from Georgia Southern University.

He began his career by serving a rural acute care hospital in Kentucky that was in danger of closing, where he led an operational and financial turnaround and helped create a new platform for rural healthcare delivery. Later, he developed a strategic vision with the board of a behavioral health and addiction program in North Carolina, where he helped introduce the first comprehensive continuum of care in the state.

Most recently, he served as Chief Executive Officer of a mental health center where he led a psychosocial rehabilitation, workforce development, and supported housing program. Battles also served as Chairman of the Board of the Moccasin Bend Mental Health Institute, as well as sat on numerous other non-profit boards and served his community through advocacy and volunteerism. He is thrilled to join Tykes & teens and looks forward to having a profound impact on the lives of children and families on the Treasure Coast.

For more information, please call 772-220-3439 or visit

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5,000 Acres of Old Florida Protected from Development Forever

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20 June Look Into Our Waterways

A 5,200-acre ranch about 60 miles south of Walt Disney World that’s home to Florida panthers, black bears and bald eagles is now protected forever from development.

Rafter T Ranch in rural Highlands County has been designated as under conservation easement by The Nature Conservancy, the organization announced Tuesday, calling it an “enormous conservation win.”

Other species that rely on the natural habitat include the swallow-tailed kite, Florida scrub-jay, southern fox squirrel, deer, turkey, and roseate spoonbill.

The ranch, owned by the Wohl family since 1962, will continue its cattle operation. The land has been protected in stages over the years, but the easement provides protection for the full property.

“The Wohl family truly demonstrates a love for the land and a passion for conservation,” said Wendy Mathews, Nature Conservancy conservation projects manager.

The Nature Conservancy owns, protects or manages several other conservation lands in the region, including the Disney Wilderness Preserve in Kissimmee, Tiger Creek Preserve in Babson Park, Saddle Blanket Scrub Preserve in Frostproof, and Venus Flatwoods Preserve in Venus.

The Nature Conservancy’s partners in protecting the land included the U.S. Department of Defense, United States Air Force, USDA’s Natural Resources Conservation Service, Enterprise Florida, the Central Florida Regional Planning Council and Highlands County.

In addition to environmental concerns, it’s also in the military’s interest to maintain large tracts around bases so they can continue training, said Angela Klug, director of real estate for The Nature Conservancy in Florida.

Avon Park Air Force Range is adjacent to the ranch.

“It was one solution that worked for many different entities," Klug said.

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Words of the Day

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Treatment Train:

Melbourne Water defines this as a sequence of multiple stormwater treatments which are designed to meet the needs of a particular environment, in order to maximize results.
EAA Reservoir:

The Everglades Agricultural Area Storage Reservoir is commonly referred to as the EAA. The South Florida Water Management District (SWFMD) explain that the upcoming project involving the EAA will send clean water south to the parched Southern Everglades and Florida Bay while reducing damaging discharge events from Lake Okeechobee.

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3 Things Notaries Should Avoid During COVID-19

20 May Notaries

Article by: David Thun
During COVID-19, Notaries need to take additional precautions to protect their health and the health of their signers. Here are 3 things Notaries should avoid when notarizing during the current health crisis:

1. Don’t Perform In-Person Notarizations If You Or Your Signer Are Feeling Sick
COVID-19 has hit our economy hard, and many businesses are struggling right now — especially Notaries. But it’s important you protect yourself and your customers by following appropriate health safety precautions. If you feel sick, don’t risk spreading illness to other people by meeting face-to-face with signers. If you learn that a signer is not feeling well, or you see warning signs of illness, it’s OK to decline the assignment if you believe the environment would put your health at risk.

If you have reason to believe you have been exposed to the coronavirus, even if you do not have symptoms, you should cancel any appointments you have scheduled until the period of self-isolation or quarantine is over. If you are performing a loan signing and need to stop an assignment due to health concerns, be sure to immediately notify the company or service that gave you the assignment.

To help Notaries and document signers, many states have issued emergency notarization rules temporarily allowing Notaries and signers to communicate and notarize documents remotely for the duration of the COVID-19 emergency.

2. Don’t Violate Local Health Safety Orders When Performing Notarizations
To ensure everyone’s health and well-being, it’s important that Notaries follow all local health safety orders when performing notarizations. For example, don’t meet a signer for a notarization at a local restaurant or coffee shop if local health officials prohibit customers from gathering at these places. Notaries should keep informed about any guidelines from city, state and local health officials regarding COVID-19, and only perform notarizations that comply with official health instructions.

3. Don’t Violate Basic Notarization Rules During COVID-19
The coronavirus pandemic is an unprecedented situation that has left many Notaries and signers struggling with unexpected challenges. However, remember that even during a crisis such as COVID-19, Notaries cannot violate proper procedures when identifying signers and performing notarizations, even if a signer claims extenuating circumstances due to the coronavirus.

If you are asked to perform an illegal act such as ignoring identification requirements for a signer, backdating a document or other improper notarial acts, you must still refuse — the COVID-19 emergency is not an acceptable excuse to break the law.

If your state permits you to perform remote notarizations, be sure to follow all your state’s rules for doing so. The one exception to this rule is if your state has a temporary authorization to perform videoconference notarizations and you are performing the notarial act in conformance with the temporary authorization.

4 Strategies to Get More Instagram Followers

L3I Dimensions Inspection Productivity Software

20 May Level 3 Inspections

Stuart - Level 3 Inspection LLC, the industry leading service provider of Computer Aided
Inspection (CAI) and dimensional layouts from high-accuracy 3D scanning has invested in developing a new software application to integrate and automate the dimensional inspection and reporting process. This software application is optimized to meet the quick turnaround times needed for precision manufactured parts inspection contracts they have won based on the results delivery speed.

“Our high-accuracy 3D scanning and proprietary processes of advanced dimensional inspection, geometric analysis, and conformance reporting have been integrated and the reports population fully automated, through this powerful tool that works with any measurement system to produce excellent CAI dimensional reports, with a
non-technical operator, the fastest way possible.” explained Bill Greene, CEO of Level 3 Inspection. “Each blueprint is computer-itemized, or ‘ballooned’, and the software produces the industry-compliant inspection report forms, including the aerospace industry standard AS9102 form, Howmet Form 3 and GE eCav, or anything else the client may desire.” he expanded.

“We wanted to eliminate the human manipulation of inspection data, and the errors such cutting-and-pasting can cause.” said Scott McAfee, L3I’s Chief Operating Officer and Chief Engineer. “By integrating the process we remove the human-error source, and dramatically improve the reporting efficiency. “L3I Dimensions can work with data from any electronic measurement tool, including CMMs, e-gages, and optical metrology systems.” added McAfee, “We’re able to populate multi-sample dimensional inspection reports, a task that can normally take hours or a day, in mere minutes through this productivity software.”

The Level 3 Inspection LLC team has distinguished itself as true master practitioners in this rapidly growing advanced 3D metrology field. “These days everything must be brought to market faster, so our clients really appreciate the 30% time savings we provide in any precision manufacturing process optimization. Working with 10,000-times more information than any other measurement method, we can readily help our clients make better precision parts, at lower cost, much faster, and with greater confidence. We do this by cutting iterations and scrap, saving months and (often) millions.” stated Greene.

Level 3 Inspection LLC leads the advanced dimensional quality inspection industry with proprietary Computer Aided Inspection (CAI) processes and world-class technologies to help their clients make (or buy) better precision parts and products, much faster, with lower cost and greater confidence, by cutting iterations and scrap, saving months, and often, millions.

For more information, see or call 772.405.7502

Coping with Market Volatility: Continuing to Invest May Help You Stay on Course

Mar Investment

In the current market environment, the value of your holdings may be fluctuating widely — and it's natural to feel tentative about further investment. But regularly adding to an account that's designed for a long-term goal may cushion the emotional impact of market swings. If losses are offset even in part by new savings, the bottom-line number on your statement might not be quite so discouraging. And a basic principle of investing is that buying during a down market may help your portfolio grow when the market turns upward again.

If you are investing a specific amount regularly regardless of fluctuating price levels (as in a typical workplace retirement plan), you are practicing dollar-cost averaging. Using this approach, you may be getting a bargain by continuing to buy when prices are down. However, you should consider your financial and psychological ability to continue purchases through periods of fluctuating price levels or economic distress; dollar-cost averaging loses much of its benefit if you stop just when prices are reduced. And it can't guarantee a profit or protect against a loss.

If you can't bring yourself to invest during this period of uncertainty, try not to let the volatility derail your savings program completely. If necessary to help address your concerns, you could continue to save, but direct new savings into a cash-alternative investment until your comfort level rises. Though you might not be buying at a discount, you could be accumulating cash reserves that could be invested when you're ready. The key is not to let short-term anxiety make you forget your long-term plan. We're here to help and to answer any questions you may have.

All investing involves risk, including the possible loss of principal, and there is no guarantee that any investment strategy will be successful.

For more information contact Investment Planning Group at 772.233.4315

What Small Business Owners Should Know About the COVID-19 Stimulus Package

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What Small Business Owners Should Know About the COVID-19 Stimulus Package

As small business owners grapple with the economic realities of nationwide stay-home orders and social distancing mandates, legislatures have been updating laws and developing new programs to keep the economy afloat. The latest and most groundbreaking is the Coronavirus Aid, Relief, and Economic Security (CARES) Act, a $2.2 trillion stimulus package aimed at supporting individuals, businesses, and governments now and beyond this pandemic. The federal government has earmarked $377 million to help small businesses avoid failure and encourage them to retain their workforces.

Here are the most important things for business owners to know about the CARES Act:
•Small Business Administration (SBA) Economic Injury Disaster Loans and Emergency Economic Injury Grants. Small business owners will be able to apply for low-interest federal disaster loans to maintain cash flow for payroll, utilities, rent, and other fixed debts. Additionally, small businesses may be eligible for up to $10,000 in grants, in the form of a loan advance, if they can show economic injury caused by the COVID-19 pandemic. An applicant may be eligible for the advance even if the applicant is denied the federal loan. Applicants who are approved for the loan advance will receive funds within three days of applying.

•Paycheck Protection Program (PPP). In addition to funds available through the SBA as disaster loans, small businesses may be eligible to receive loans through the newly created Paycheck Protection Program. This loan program provides federally backed loans of up to $10 million for businesses with less than 500 employees as an incentive to encourage business owners to keep their employees on the payroll. The program broadly recognizes sole proprietorships, independent contractors, and private nonprofits as eligible businesses. These loans are due within two years at an interest rate of 1 percent but could possibly be forgiven. Moreover, loan payments are deferred for six months.

•Small Business Debt Relief Program. The federal government will defer loan payments for businesses that have SBA 7(a), 504, or microloans. Additionally, the SBA will pay the principal and interest on 7(a) loans issued to owners before September 27, 2020. For current 7(a) loans, the SBA will pay the principal and interest for six months.

•Employee Retention Tax Credit for Employers Subject to Closure or Experiencing Economic Hardship. Employers whose businesses have been partially or fully suspended as a direct result of the COVID-19 outbreak and whose gross receipts are below 50 percent of their prior amounts as of 2019 are eligible for tax credits for wages paid to employees during this time. The 50 percent fully refundable tax credit is for qualified wages of up to $10,000 per employee. This includes allocable qualified health plan expenses. Because there are additional tax credits related to the COVID-19 outbreak but outside the scope of the CARES Act, special attention must be paid to what and how wages are paid. Employers that receive an interruption loan under the Paycheck Protection Plan are not eligible for the tax credit.

•Tax Cuts and Jobs Acts Amendments. The Tax Cuts and Jobs Act 80 percent net operating loss rule has been lifted so that losses can now be carried back as far as five years. The excess business loss limitation for all noncorporate taxpayers was also removed. This loss limitation will still expire for tax years beginning after December 31, 2025; however, these provisions are effective from December 31, 2017, so tax returns filed with excess business loss limitations can be amended. There have also been amendments to retirement fund regulations resulting in the removal of the 10 percent withdrawal penalty and the increase of the loan limit on 401(k) loans. Up to $100,000 can be borrowed under CARES as compared to the former $50,000 limitation.

For more information contact them at:772.497.6544

20 Mar Keeping Work Place Safe

Florida Supreme Court Expands Remote Notarization

Mar FL Supreme Court

Florida last year enacted a law authorizing remote online notarization, which went into effect on January 1 this year. Under the law, Notaries must complete a training course and register to perform online notarizations.

However, in response to the state of emergency declared by the Florida governor, the state Supreme Court issued an administrative order allowing any Florida Notary to administer oaths for court proceedings remotely using audio-video technology. Specifically:
Notaries in the State of Florida may swear a witness remotely by audio-video communication technology from a location within the State of Florida, provided they can positively identify the witness.

If a witness is not located within the State of Florida, a witness may consent to being put on oath via audio-video communication technology.
All rules of procedure, court orders, and opinions applicable to remote testimony, depositions, and other legal testimony — including the attestation of family law forms — that can be read to limit or prohibit the use of audio-video communications equipment to administer oaths remotely or to witness the attestation of family law forms, are hereby suspended, and will remain suspended until March 27, unless extended.

During This Time of Market Volatility, What Should we as Investors do?

Mar Investment

Article by: Jason Reed - Wealth Manager Assistant - Investment Planning Group
Over the past few weeks, we’ve seen the markets swing wildly and the causes being discussed are the coronavirus, the oil feud between Russia and Saudi Arabia, and that have simply been overdue for a market correction. Of course, there are also the emotions of fear and greed at play which help drive some of the momentum in either direction. While all of these are true to some degree, there is another factor involved that some investors may not have considered and it’s something most of us use every day. The computer.

In a recent article in The Wall Street Journal titled, “Extreme volatility in shares isn’t due just to the pandemic”, author Gunjan Banerji explains how there are a growing number of companies that use computer algorithms to make trading decisions. Some of these algorithms use data inputs that specifically track market volatility. He goes on to say that although volatility is something that people have looked at for years, it is now an important factor in determining whether to buy or sell a particular stock.

So by virtue of the program written for their trading algorithm, some investors automatically sell out of a position if there are sharp enough swings in the price of its stock even if the company is good. This can create a snowball effect that triggers other algorithms which may help explain some of the extreme dips we’ve seen over the recent weeks.

Being a math guy, I can see the value in having computers there to aid us in the decision making process and even to make trades based on pre-determined data. That being said, it’s important to be aware that programs are written based on the quality of the data inputted and may be formulated off of past events that aren’t exact indicators of what’s taking place in today’s markets. Prior to the advent of computer aided trading, we might have still seen a pullback as news unfolded about the coronavirus or oil feud, but it may not have been so quick or so drastic without the trading being done by a machine.

If you have questions or concerns about what you should be doing as an investor during these volatile times, our advice is that you meet with your financial advisor and express your concerns. If you aren’t comfortable with what they are telling you, call us. We love the opportunity to earn new business and share our passion for helping people with their finances.

19 Aug Seniors vs Crime 2

 The Treasure Coast, Seniors vs Crime Office has relocated from the St. Lucie West Court House Annex to the St. Lucie County Tax Collector’s Office at 10264 SW. Village Parkway Drive in Port St. Lucie, Florida. The agency phone number is still 1-800-203-3099 with an added local number of 772-337-5759.

Seniors vs Crime ( provides free assistance to seniors victimized by fraud, con games and deceptive business practices. Since our inception in 1989 we have recovered over $35 million dollars for senior citizens in Florida.

Martin Jacobson-Deputy Director


19 Aug ProActive Logo
Mar Legal Pro

Everyone, no matter the size of your estate, is encouraged to draft an estate plan that includes Wills, trusts, and other essential estate-planning documents. An effective estate plan ensures that your beneficiaries get the inheritance you intend for them to receive, as well as naming a personal representative (called an executor) to carry out the wishes in accordance with your last Will and testament. If you have minor children, you should name guardians for them in the event you pass away while they are still minors.

Apart from all the pertinent legal matters your Will should attend to, you might feel compelled to include a surplus letter, called the explanatory letter, that explains the rationale for your dividing up your assets the manner in which you did. Such items can be particularly for your survivors but must be segregated from the actual text of your last Will and testament for legal reasons.

Your explanatory letter can do many more things than simply explaining why you divided your estate the way you did. Many people decide to address their wishes for any pets that were under their care, as well as ideas you have in mind for your children or grandchildren to use that precious heirloom that they might not know how to use (although, for example, record players have made somewhat of a comeback in recent years).

Also, you might choose the explanatory letter to be a platform for your views on your family’s dynamics. Sometimes, a stern dressing-down from beyond the grave is just what you feel your nephew or other wayward family member needs. Usually, though, an explanatory letter is a medium in which you can clarify your general wishes for your loved ones. Feel free to get sentimental.

What to Avoid in your Explanatory Letter

You should generally avoid including anything in the explanatory letter that belongs in your Will. A seasoned estate planning attorney will be able to discern the appropriate content for the separate and distinct documents. Additionally, you should not provide information that runs contrary to information in your official estate-planning documents. Confusion will reign if you do not leave your children any inheritance, but state in your explanatory letter that you hope they enjoy the lakehouse you left behind.

Contact Us
You should not feel bad about indulging yourself in your explanatory letter, but steer clear of any information that could contradict your last Will and testament. ProActive Legal Care can help you ensure your estate plan and all related documents are composed just the way you intend. Give us a call at (772) 221-3222 or get in touch with us here.