Sunday, December 15, 2013
MIZNER DOG PARK: 751 Banyan Trail, off Military down Banyan Trail where USPS is. Areas are fenced off for different sized dogs. There are shaded pavilions and dogs can run off-leash. Benches can be found thruout the park. No smoking. Water and “poop” bags are provided. Hours for use are Monday, Tuesday, Thursday thru Sunday from 7:30 am to dusk. Wednesday from noon to dusk. Nine reviewers gave it 4.6 out of 5 stars.
BEACH DOG PARK: New Dog Park has opened in on the beach in Boca Raton at the north end of Spanish River Park between lifeguard towers 18 and 20. They can roam Fridays, Saturdays and Sundays from 7 am to 9 am and from 5 pm to sunset. Annual permits are needed, which can be purchased at the Boca Raton Community Center, James A. Rutherford Community Center and Sugar Sand Park Community Center. Annual pass for Boca Raton residents is $30; non- residents, $165. Weekend passes are $10 and available at Spanish River Park gatehouse.
CANINE COVE DOG PARK: Located north of Glades Road near Sunset Cove Amphitheater and east of Osprey Point Golf Course. Two rotating sections, 1 small dogs only section, 3 fountains for dogs and walkers, 34 shaded benches, 15 Dogipot Pet Stations with plastic bags and waste recepticals, 1 pet washing station, nearby parking. Open Sunrise to Sunset but closed Wednesdays noon to 3 pm for maintenance. No food, no smoking within fenced areas. Two dogs per person, remove if aggressive. No female dogs in heat. Dogs must be vaccinated and display current licenses. Same rules for Lake Ida Dog Park in Delray Beach, Pooch Pines Dog Park in West Palm Beach and Canine Cove Dog Park.
Rules can be found at Palm Beach County Parks and Recreation Ordinance.
Posted by Marilyn Farber Jacobs at Sunday, December 15, 2013
Sunday, December 08, 2013
West Palm Beach has the highest 2013 tax bill, 69.7mm with Boca Raton next at $59.1MM), Delray Beach at $47.3MM and Palm Beach Gardens at $47MM. Palm Beach’s property tax bill of $41MM makes it 5th highest in the county.
Largest tax bill goes to Florida Power & Light ($76.3MM), the Breakers is one of the top 10 taxpayers with the highest tax bill on the island, and includes properties in West Palm Beach.
Other high tax payers include Boca Raton Town Center’s trust, Bell South Communications, U.S. Sugar Corp and the owner of the Gardens Mall in Palm Beach Gardens, Comcast, Boca Raton Reosrt & Club, and Wellington Green mall owners.
· 686,556 property tax bills are mailed out by the tax collector
· Total tax revenue is $3,025 BB.
Tax Collector is Anne Gannon, whose name you know if you pay property taxes.
Posted by Marilyn Farber Jacobs at Sunday, December 08, 2013
Saturday, December 07, 2013
Tuesday, December 03, 2013
If you have headed north from Okeechobee recently, you have seen large cleared areas in the Palm Beach Lakes Boulevard region, right side of I-95.
A 900,000 sq ft development is under construction at this $200MM project. The area covers 80-acres. Palm Beach Outlets in West Palm Beach, scheduled to open on Valentine’s Day, will have more than 100 retail stores, including DKNY Saks Fifth Avenue OFF 5th and Kenneth Cole Outlet. These renderings will give you an idea of how nice it will look... and lure you to come and shop here once it opens.
This was the site of the former Palm Beach Mall. An adjacent retail center whose opening is planned for next fall will include Whole Foods Market and a Nordstrom Rack. Dining venues will be included.
The City of West Palm Beach anticipates about $1MM annually in property taxes from this development. About 1500 full-time and part-time jobs will be created. Stay tuned at Facebook.com/Palm Beach Outlet.
Posted by Marilyn Farber Jacobs at Tuesday, December 03, 2013
Wednesday, November 27, 2013
Next month, after “Mira” is out of quarantine, visitors can see this beautiful jungle cat, who is 12 years old. Her elderly owner, founder of the South Florida Wildlife Rehabilitation Center in Homestead, has a terminal illness and he contacted state wildlife officials to help him find homes for his animals.
The Palm Beach Zoo and Conservation Society at Dreher Park is excited about their new resident and they say she is very affectionate with humans, and appears to have been well loved and cared for in her last home. Yet, panthers are known to be solitary animals. About 80 to 100 panthers remain in Florida, and they are now one of the most rare and endangered mammals in the world. The Panther National Wildlife Refuges is east of Naples, Florida. Panthers are at great risk of extinction.
Mira has a few health problems, including curvature of the spine, but otherwise is doing well. General curator Jan Steel says that having Mira, a “pure” Florida panther, is exciting and “It allows us to show the differences between the western cougar or puma and the Florida panther.
Three Malayan tiger brothers, Jaya, Bunga and Penari have left the Palm Beach Zoo for a new home at the Jacksonville Zoo. Since 1900 the wild tiger population has decreased by more than 95% and there is a Tiger Conservation Campaign among zoos. The Wildlife without Borders Rhinoceros and Tiger Conservation Fund funded 53 projects in 15 countries for these conservation project, implemented by the U.S. Fish and Wildlife Service, a federal agency of the Department of the Interior. Here is more information. The tiger pictured above is at the Smithsonian Zoo in Washington DC.
The Zoo recently added “and Conservation Society” to its name to stress they provide care for endangered species, which has been part of their agenda for a long time.
Posted by Marilyn Farber Jacobs at Wednesday, November 27, 2013
Saturday, November 16, 2013
(Reuters) – UNITEDHEALTH GROUP dropped thousands of doctors from its networks in recent weeks, leaving many elderly patients unsure whether they need to switch plans to continue seeing their doctors, the Wall St Journal reported on Friday.
The insurer said in October that underfunding of Medicare Advantage plans for the elderly could not be fully offset by the company's other healthcare business. The company also reported spending more healthcare premiums on medical claims in the third quarter, due mainly to government cuts to payments for Medicare Advantage services.
The Journal report said that doctors in at least 10 states were notified of being laid off the plans, some citing "significant changes and pressures in the healthcare environment." According to the notices, the terminations can be appealed within 30 days.
Tyler Mason, a UnitedHealth spokesperson, was not immediately available for comment when reached by Reuters.
The insurer told the WSJ that its provider networks were always changing and that it expected its Medicare Advantage network to be 85 percent to 90 percent of its current size by the end of 2014.
UnitedHealth is participating in about a dozen new state insurance markets that launched on October 1 to offer subsidized health coverage under President Barack Obama's healthcare overhaul.
The insurer said previously it planned to withdraw from some markets in 2014 because of the government funding cuts.
Another top health insurer, Aetna Inc , also warned in October that it expected slowing growth in 2014 in its Medicare Advantage plans.
To find the lowest priced Medicare Supplements, see http://www.naaip.org/insurewithMarilyn and you can sign up there or call 561-638-9818.
Posted by Marilyn Farber Jacobs at Saturday, November 16, 2013
Friday, November 15, 2013
The national median home price showed its strongest annual growth in nearly eight years during the third quarter of this year, according to data collected by the National Association of Realtors.
A whopping 144 of the 163 metropolitan statistical areas (MSAs) tracked by NAR showed gains between the third quarter of this year and the third quarter of last year. In 54 of those MSAs, the increases were in the double digits.
The national median existing single-family home price was $207,300 in the third quarter, up 12.5 percent from $184,300 in the third quarter of last year.
That's the strongest year-over-year increase since the fourth quarter of 2005 when the median home price jumped 13.6 percent.
Condominium and cooperative prices rose 15.1 percent to a median $205,400 in the third quarter.
One reason home prices are rising is that foreclosures and short sales are falling. Short sales are homes sold for less than what the owners owed on their mortgage.
Foreclosures and short-sale homes typically sell at a discount. That can lower the value of nearby homes because appraisers look at all recent sales when they determine a home's current value.
In the third quarter, only 14 percent of home sales were foreclosures or short sales. That's down from 24 percent a year ago.
Across the country, about 2.21 million homeowners had their properties for sale, modestly higher than the third quarter of 2012, when 2.17 million homes were on the market.
That's a 5-month supply of homes for sale, down from a 5.9-month supply in the third quarter of 2012.
Posted by Marilyn Farber Jacobs at Friday, November 15, 2013
Tuesday, October 15, 2013
Tea Houses with sparse furnishings are a newer addition to some homes.
Feng shui specialists are called upon to consult with about design principals or to conduct special ceremonies. Outdoor elements are brought within vision. Beautiful gardens with plantings and pebbles are featured. Antique doors are popular. Water features have become important, such as fountains and waterfalls. Homeowners want natural materials and light colored woods such as maple, bamboo and oak.
Asian influences prevail. Handmade sliding screens and tatami mats are included as well as koi ponds and bonsai trees.
Tea rooms are places for meditation and for snacks and dinners. During the Colonial period, private prayer spaces were included within homes, but in the 1960’s, communal worship became more popular.
Posted by Marilyn Farber Jacobs at Tuesday, October 15, 2013
Friday, October 04, 2013
If you are selling your home in a community association, have you taken advantage of every possible tax break? Did you include your percentage interest in the many improvements which your association has made over the years?
Let's compare these two situation. You purchased your single family house many years ago for $100,000. Over the years, you have spent $50,000 in improvements and have the bills to document this. This increases your basis for tax purposes to $150,000. You sell the property for $650,000. Your profit (excluding for this discussion sales commissions and settlement costs) is $500,000. Currently, under Federal law, if you are married, file a joint income tax return, and have owned and lived in the house for two out of the five years before sale, you can exclude up to $500,000 of your gain; accordingly, in our example, you will not have to pay any capital gains tax. If you are single - or file a separate tax return - you can exclude up to $250,000 of your profit. The difference - $250,000 - will be taxed. Keep in mind that as of this year, the capital gains tax rate has been increased, and many homeowners will have to pay up to twenty percent of a portion of their gain.
Now let us change this example to the sale of a condominium, cooperative or a house in a homeowner association. Same facts: you bought for $100,000 and sold for $650,000. Since the IRS will consider your profit at $550,000, even if you are eligible for the up-to-$500,000 exclusion of gain, you will have to pay capital gains tax on the $50,000 overage.
However, there are "secret" benefits you probably overlooked - or were not even aware of: the improvements made by your association including the qualifying energy efficiency improvements added to the complex.
According to the Internal Revenue Service "You need to know your basis in your home to determine any gain or loss when you sell it. Your basis in your home is determined by how you got the home.. (IRS Publication 523, entitled "Selling Your Home").
For example, if you bought or built the property, your basis is what it cost you. If it was a gift, your basis is the basis of the person giving you the property. And if you inherited the house, your basis will most likely be the fair market value as of the date of death, called the stepped-up basis.
Let us define some important terms:
· Gain.Also known as "profit," and the gain on the sale of your home is the amount realized minus the adjusted basis of the home you sold.
· Amount Realized.This is the selling price of your old home minus your selling expenses. These would include real estate commissions, advertising fees and legal fees incurred exclusively in the selling process.
· Adjusted Basis.This is your basis in the property increased or decreased by such expenses as settlement fees or the costs of additions and improvements that have been made to your property.
Thus, as can be seen, in order to reduce your gain, (and pay less tax), you want to legitimately increase both your basis and your selling expenses.
Let 's go back to our example. We have agreed that you have made a profit of $550,000 and will have to pay capital gains tax on that additional $50,000.
Your community association has spent a considerable amount of money improving the property. They have added a new roof (or roofs), installed a swimming pool and tot lot, and made other similar improvements.
You own a percentage interest in that association. Generally, (other than for cooperatives) your percentage interest will be found at the end of a legal document known as the "Declaration." The total of everyone's percentage interest in the association should be 100%. In a cooperative, your percentage interest should be reflected on your share certificate or proprietary lease.
Let us assume that the association spent $400,000 in improvements from the time you bought the property, and that your percentage interest is 2.3. If you multiple your percentage interest times the total improvements, you get a figure of $9,200.00, and this amount can -- and should -- be added to your basis as "improvements."
It is surprising to me that many community association owners are not aware of this tax benefit. In most community associations, the records should be available as to the total expenditure for improvements on a year to year basis. Please understand that maintenance and repair items are not added to basis, but capital improvements -- generally items which have a useful life of one year or more -- are indeed legitimate items to be added to basis.
Basis is a concept on which most of us pay little attention. However, as we get older, and become concerned with conserving the majority of our assets, the concept of adjusted basis becomes critical. Each dollar that can legitimately be added to the purchase price (the adjusted basis) generates a savings to the individual community association owner.
What should you do if you sold your property within the last few years and were not aware of this special tax break? Obtain a breakdown of capital improvements for the last three years from your association's property manager. You may be able to file an amended return, but you must discuss the logistics, the practicality and the legality of an amended return with your own tax advisers. You don't necessarily want to red-flag the IRS by filing that additional return.
Reprinted with the permission of the author
Author: Benny L. Kass, Realty Times
Posted by Marilyn Farber Jacobs at Friday, October 04, 2013
Sunday, September 29, 2013
Florida CFO Jeff Atwater and the Dept. of Financial Services are offering webinars regarding information and resources for those with questions about the Affordable Care Act.
The webinars are for individuals and small businesses.
A consumer helpline is available at 1-877-693-5236.
For FAQ’s and webinars dates and times: http://www.myfloridacfo.com/Division/Consumers/HealthReform.htm#.Uke4DoY7igY
Posted by Marilyn Farber Jacobs at Sunday, September 29, 2013
Sunday, September 22, 2013
With a contest entry deadline of October 11, 2013 at 11:59 pm, judging will begin for a contest designed to engage students of all ages (from kindergarten to high school) to learn more about Florida’s economic history. The entry can be art, writing or video. It is part of the YOUR MONEY MATTERS initiative. This contest is in honor of Florida’s 500th Anniversary.
Students can be enrolled in any public, private, charter, virtual, home or alternative school for the 2013-2014 school year. By 12-31-2013, announcements will be made of a total of $2625 awarded to the winning students.
Find more information at MyFloridaCFO.com/YMM.
This site also features in their games section fun and educational tools to help children save. (http://www.myfloridacfo.com/YMM/Games/Default.aspx)
Posted by Marilyn Farber Jacobs at Sunday, September 22, 2013
Tuesday, August 27, 2013
Proposed tax notices were just sent out to Palm Beach County residents. The Clerk’s office will accept appeals for property tax appraisals through September 16.
You can challenge market value, classification or an exemption by petitioning the county’s Value Adjustment Board (VAB). Board Members are two county commissioners, one school board member, and two citizen members. They approve and hire special magistrates to settle disputes.
The VAB is not affiliated with the Tax Collector or Property Appraiser. Go to www.mypalmbeachclerk.com and use myVABsystem to file your petition online, schedule hearings and submit supporting materials, or call 561-355-6289 for more information. Forms can also be submitted in person or by mail. Filing fee is $15. To submit in person, go to the Clerk’s Governmental Center or branch locations. To submit by mail send to 301 North Olive Avenue, Room 203, West Palm Beach FL 33401.
Posted by Marilyn Farber Jacobs at Tuesday, August 27, 2013
Sunday, August 25, 2013
Built in 1939, the Camino Real Bridge in Boca Raton is in need of repairs and/or replacement. This double-leaf rolling lift bridge is a historic landmark, on the County Registry of Historic Places and eligible to be listed on the National Register of Historic Places.
There are limits to what one can do. It can be renovated, but not rebuilt. No other county bridge has its historical designations. It spans the intracoastal waterway west of the Boca Resort Beach Club and One Thousand Ocean, and east of the Bridge Hotel. Maximum weight on the bridge has been lowered from 36 to 30 tons. Its travel lanes and sidewalks need to be widened. Guardrails are obsolete. Bridge tender house needs to be replaced and moved from the south to the north side of the bridge.
Many of these conditions cause the bridge to fail to meet current Florida Department of Transportation standards. Any improvements need to pass local and state historical organizations. A $6MM rehabilitation project may start in 2015. The Flagler Bridge in West Palm Beach was built in 1938 and the state is replacing it now. There are seven other similar older bridges in Florida.
Thursday, August 15, 2013
Monday, August 05, 2013
YEP!!!Put your car keys beside your bed at night.
Tell your spouse, your children, your neighbors, your parents, your Doctor's office, the check-out girl at the market, everyone you run across. Put your car keys beside your bed at night.
If you hear a noise outside your home or someone trying to get in your house, just press the panic button for your car. The alarm will be set off, and the horn will continue to sound until either you turn it off or the car battery dies.
This tip came from a neighborhood watch coordinator. Next time you come home for the night and you start to put your keys away, think of this: It's a security alarm system that you probably already have and requires no installation. Test it. It will go off from most everywhere inside your house and will keep honking until your battery runs down or until you reset it with the button on the key fob chain. It works if you park in your driveway or garage.
If your car alarm goes off when someone is trying to break into your house, odds are the burglar/rapist won't stick around. After a few seconds, all the neighbors will be looking out their windows to see who is out there and sure enough the criminal won't want that. And remember to carry your keys while walking to your car in a parking lot. The alarm can work the same way there. This is something that should really be shared with everyone. Maybe it could save a life or a sexual abuse crime.
This would also be useful for any emergency, such as a heart attack, where you can't reach a phone. My Mom has suggested to my Dad that he carry his car keys with him in case he falls outside and she doesn't hear him. He can activate the car alarm and then she'll know there's a problem.
This may save a life!
Posted by Marilyn Farber Jacobs at Monday, August 05, 2013
Saturday, August 03, 2013
The shadow inventory (homes in delinquency or foreclosure that will eventually come on the market) keeps shrinking. But, TRULIA Chief Economist Jed Kolko says that census data just released shows that more shadow inventory may be looming. 2013 2Q vacancy survey shows that 5.6% of all housing units are vacant.
Are the owners waiting til prices have gone high enough to unload them? If they come on the market now… how will the market be affected? Right now, inventory is low so they MIGHT get a quick sale and get rid of the expenses of carrying the property.
Posted by Marilyn Farber Jacobs at Saturday, August 03, 2013
Friday, July 26, 2013
The Homeowners’ Policy and Claims Bill of Rights Working Group is a panel developing consumer-protection recommendations that they will offer to the Legislature in next year’s session.
Recently the state levied a $1.26MM fine against the state’s 2nd largest insurer, Universal Property & Casualty Insurance Company for wrongly denying claims and canceling policies without adequate notice. Universal has 550,000 policyholders.
Universal was cited for using credit histories of clients to deny claims, long after the underwriting process should have been completed. A bill was amended to limit use of credit records to deny coverage to 90 days after policy is written, but the bill failed to pass.
Some Florida consumers had had damages claims denied and coverage canceled because of an old credit report, despite having long-held insurance policies with same company. Some others face lengthy legal proceedings in which they must participate or risk losing their policies.
Florida Insurance Consumer Advocate Robin Smith Westcott cautioned consumers in the middle of a claim or dispute to refrain from immediately signing contracts with contractors, adjusters and other groups offering aid. He said, “first, contact your insurance company to get the process started”.
Posted by Marilyn Farber Jacobs at Friday, July 26, 2013
Tuesday, July 23, 2013
Tax Reform is underway on Capitol Hill. The Senate tax-writers have adopted a "Blank Slate" approach that initially eliminates every provision in the tax code, including those that are cherished by homeowners and future homeowners. The intent is to lower tax rates that in turn will stimulate the economy.
From a website created for the effort:
"In order to make sure that we end up with a simpler, more efficient and fairer tax code, we believe it is important to start with a "blank slate" -- that is, a tax code without all of the special provisions in the form of exclusions, deductions and credits and other preferences that some refer to as "tax expenditures." This blank slate is not, of course, the end product, nor the end of the discussion....
We plan to operate from an assumption that all special provisions are out unless there is clear evidence that they: (1) help grow the economy, (2) make the tax code fairer, or (3) effectively promote other important policy objectives."
The Democratic and Republican leaders of the Senate Finance Committee recently began a legislative push to simplify the tax code by asking all Senators to make a case for including special tax breaks.Senator Max Baucus, on the left, and Senator Orrin Hatch want to start work on the tax code by clearing it of special breaks, unless those breaks meet specific goals.
In the House, the committee that works on tax measures is called the Ways and Means Committee and it is headed up by Dave Camp, (R-Mich). This Committee has held many hearings on tax reform and has built "working groups" to arrive at a game plan for tax reform.
Every $2 trillion in individual tax breaks added back to their "blank slate" would raise tax rates 1.3 to 2.2 percentage points. In other words, Senators must decide between popular tax breaks and low income tax rates.
Posted by Marilyn Farber Jacobs at Tuesday, July 23, 2013
Saturday, July 20, 2013
21ST rank in all of FL, 9th in Ft Lauderdale/Miami region for 2013-2014 annual listing of America’s Best Hospitals.
Ranked as high-performing hospital in Gastroenterology/Gastrointestinal Surgery and Gynecology.
Posted by Marilyn Farber Jacobs at Saturday, July 20, 2013
Tuesday, July 09, 2013
EVERY WEDNESDAY, July 10-August 28.
Screenings are at 6 and 8:30 p.m. Cash bar and snacks available.
Delray Beach Center for the Arts announces this new series in the Crest Theatre. ART CINEMA AT THE CREST will offer a variety of films on eight consecutive Wednesdays.
Caroline Breder-Watts, midday host for 91.3 WLRN and host of "Cinematically Speaking" on Arts Radio Network, will host each 8:30 pm screening - providing an introduction and leading a post-screening talkback session.
Tickets $8 -- Purchase by phone through the Box Office at 561-243-7922, ext. 1; at the door; or online.
SPECIAL OFFER FOR ONLINE PURCHASERS! When you purchase your ticket online, you will pay a $2 internet fee, BUT don't let that stop you! We will ease the pain of that fee with a coupon for $2 OFF A GLASS OF WINE OR A BEER on movie night! To receive the coupon, you must print your ticket at home (the coupon will print with the ticket). Bring everything to the Crest Theatre on movie night. This offer is for online purchases ONLY.
Listen to our film series interview with Caroline Breder-Watts and Brian Ridolfo at ArtsRadioNetwork.com
Movie titles are subject to change without notice.
Art Cinema at the Crest
- "Casablanca"July 10, 2013Wednesday, 6 p.m. and 8:30 p.m. Crest Theatre; tickets $8. 1942 classic romance/drama starring Humphrey Bogart and Ingrid Bergman. Set in unoccupied Africa during the early days of World War II, an American expatriate meets a former lover, with unforeseen complications. Cash bar available.
- "The Big Lebowski"July 17, 2013Wednesday, 6 p.m. and 8:30 p.m. Crest Theatre, tickets $8. 1998 comedy starring Jeff Bridges and John Goodman. "Dude" Lebowski, mistaken for a millionaire Lebowski, seeks restitution for his ruined rug and enlists his bowling buddies to help get it. Cash bar available.
- "Anna Karenina"July 24, 2013Wednesday, 6 p.m. and 8:30 p.m. Crest Theatre, tickets $8. 2012 drama starring Matthew Macfadyen, Keira Knightley and Jude Law. Set in late-19th-century Russia high-society, the aristocrat Anna Karenina enters into a life-changing affair with the affluent Count Vronsky. Cash bar available.
- "Price Check"July 31, 2013Wednesday, 6 p.m. and 8:30 p.m. Crest Theatre, tickets $8. 2012 comedy/drama starring Parker Posey, Eric Mabius and Annie Parisse. Peter, a family man who works for a failing supermarket chain finds his life shaken up by his new boss, Susan, who starts to groom him for an executive position.…
- "Sound City"August 7, 2013Wednesday, 6 p.m. and 8:30 p.m. Crest Theatre, tickets $8. 2013 documentary starring Vinny Appice, Mick Fleetwood and Tom Petty. A documentary on the fabled recording studio that was located in Van Nuys, California. Cash bar available.
- QuartetAugust 14, 2013Wednesday, 6 p.m. and 8:30 p.m. Crest Theatre, tickets $8. 2012 comedy/drama starring Maggie Smith, Tom Courtenay and Billy Connolly (rated PG-13). At a home for retired musicians, the annual concert to celebrate Verdi's birthday is disrupted by the arrival of Jean, an eternal diva and the former wife of…
- "The Perks of Being a Wallflower"August 21, 2013Wednesday, 6 p.m. and 8:30 p.m. Crest Theatre, tickets $8. 2012 drama starring Logan Lerman, Emma Watson and Ezra Miller. An introvert freshman is taken under the wings of two seniors who welcome him to the real world. Cash bar available.
- "If I Were You"August 28, 2013
Posted by Marilyn Farber Jacobs at Tuesday, July 09, 2013
Thursday, July 04, 2013
To protect our military forces with mortgage relief, termination of leases, protection from eviction, a 6% cap on interest rates and the right to reopen any default judgments made during their active duty, in 2003, President Bush signed into law the Servicemembers Civil Relief Act. This law applied only to obligations that originated before their military service and were still in effect. “Servicemembers” includes all those on active duty in the military and includes National Guard members called up for active duty for more than 30 days.
All lenders should be immediately notified when you go on active duty, and they must receive a copy of your military orders. When put on notice, all interest payments must be reduced to 6% and lender must forgive all pre-service debts exceeding the 6% cap. Your monthly payment must be reduced. This also applies only to debts that were initiated before active service began.
Leases entered into before active service began can be terminated before expiring, giving landlord 30 days advance notice of termination and rent must be paid up to termination date. A private life insurance policy cannot lapse, terminate or be forfeited for nonpayment of premiums while insured is on active duty and for one year after duty ends.
Garnishments and attachments, requested by military personnel or a court, may be stayed or vacated during active service. The court can appoint an attorney to represent the interests of a servicemember.
The Supreme Court ruled that the law must be read with “an eye friendly to those who dropped their affairs to answer their country’s call.”
Posted by Marilyn Farber Jacobs at Thursday, July 04, 2013
Thursday, June 27, 2013
The line forms to the right.
For years a popular topic of discussion has been, “I heard Trader Joe’s is coming to town, hooray!” Now, it is true! Scheduled to open in both Boca Raton and Palm Beach Gardens in 2014, with cedar covered walls and Hawaiian motifs and art celebrating the neighborhood, we will have our pick of a variety of domestic and imported foods and beverages – they promise: all at honest low prices! Staff, known as “crew members,” will be easy to spot in their Hawaiian shirts. Residents will receive by mail Trader Joe’s “Fearless Flyer,” known as a cross between Mad Magazine and Consumer Reports.
A dozen new items will be added each week to the 1000+ private label items including fresh baked artisan breads, Arabica bean coffees, international frozen entrees, 100% juices, fresh crop nuts, deli items, vitamins and supplements and basics like milk and eggs. Vegan, vegetarian, kosher, gluten free, low sodium and fat free products will be included. Antibiotic meats will include beef, steaks, roast beef, chicken, sliced turkey and ham, bacon and lamb loin chops.
The store specializes in high quality ingredients, great flavors and great prices. Sometimes when they purchase from manufacturers they will take a brand name product, remove preservatives and artificial colors and ingredients, put their label on it and sell It at a real discount. Boca location will be 855 South Federal Highway, approximately 12,500 sq ft, and wine and beer will be included for sale. Palm Beach Gardens PGA Plaza will be the other location. Started in 1958 and thriving.
See you there!
Posted by Marilyn Farber Jacobs at Thursday, June 27, 2013