PalmCity 4-26-2013

PALM CITY/TESORO YourVoiceWeekly.com “That’s enough of

this garbage.”

Ed Fielding, Stuart

VOL. 1/ISSUE 25 YOUR INDEPENDENT LOCAL COMMUNITY NEWSPAPER FRIDAY, APRIL 26, 2013

PRSRT STDUS POSTAGE

PAIDFORT PIERCE, FLPERMIT NO. 248

ECRWSS

LocalPostal Customer

Donating time, talentArtists Helping All can helpyour fundraising event

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The Martin County Growth Management Plan is getting a makeover. At a regular meeting on Tuesday, April 16, the county commission approved the initial

adoption of changes to the comp plan proposed by former com-missioner Maggy Hurchalla and others. In a telephone interview after

the meeting, Hurchalla said the changes are largely just resto-ration of elements previously

removed from the comp plan by the commission. “Three years ago a lot of stuff

was rammed through that took out important parts of the comp plan,” she said.

Comp plan gets makeoverBy Patrick McCallisterStaff [email protected]

See PLAN page 3

Running for $$$

Mitch Kloorfain/chief photographerGina Coulter of Palm City finished third in her age group at CASTLE’s ‘9th Annual Stomp Out Child Abuse 5K Run/Walk’ Saturday, April 20 at Tradition Field in St. Lucie West. CASTLE’s mission is to improve the quality of family life and pre-vent child abuse and neglect by providing community education, support and resources for parents in need of assistance.

Feds sueformer bankofficersThe Fort Pierce-based Riverside

National Bank of Florida was hardly alone in failing back in 2010. The Federal Deposit and Insurance Cor-poration recently filed a lawsuit in the U.S. District Court against the former CEO and president, Vernon Smith, along with seven others, alleging questionable loan practices that cost the bank more than $8 million before its closure. Riverside’s failure cost the Federal

Deposit and Insurance Corporation about $492 million. “In this crisis, Florida has had the

second-most failures,” FDIC spokes-

By Patrick McCallisterStaff [email protected]

See BANK page 6

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2 • APRIL 26, 2013 • PALM CITY & TESORO • YOUR VOICE NEWS & VIEWS www.YourVoiceWeekly.com

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YOUR VOICE NEWS & VIEWS • PALM CITY & TESORO • APRIL 26, 2013 • 3Text the Editor (772) 675-6330

The proposed changes were sent to the Florida Department of Economic Opportunity by April 26. The department will have 30 days to review them and raise any objections. The county would then have 180 days to submit changes the commission ap-proves to answer state objections. The vote was contentious. Commissioner Doug Smith,

Jensen Beach, said at the meet-ing that many of the proposed changes could affect property values. He questioned whether property owners were aware of the proposed changes and given a chance to air their concerns. “We don’t truly know how

many properties are going to be affected by some of these chang-es,” Smith said, and later added, “Should we not understand who we’re affecting, and should we not notice them?” Other commissioners were

visibly impatient with Smith’s request to delay the vote to have time for additional public com-ments. “That’s enough of this garbage,”

Ed Fielding, Stuart, said at the meeting. Commissioner John Haddox,

Palm City, moved to approve several of the proposed changes.

In a telephone interview after the meeting, he said that Smith had in previous years approved comp-plan amendments that had less public participation. “I absolutely feel the process

was fair and the public had ample time to bring forth com-ment and concerns through staff, through commissioners and through (Hurchalla),” he said. “Everybody who wanted to partic-ipate in the process in a positive way had every opportunity to participate in the process.” Clyde Dulin, senior planner,

said that if the changes are approved by the state and final-ly adopted by the commission, future major changes to the comp plan would require a super ma-jority, four of five commissioners voting yes. While the comp plan’s 17 chap-

ters will continue to have stated goals covered in them, the sec-ond will outline the comp plan’s overarching ones. The proposed changes also require planners to start looking at growing density issues earlier. “When Martin County has only

15 years of available capacity, we’ll start planning for additional capacity,” he said. “When we get to 10 years, we’ll actually expand the capacity.” Hurchalla said no commission-

er or county staff member ap-proached her to start writing pro-posed changes to the comp plan. She advertised that she intended to in August, had meetings that included county staff, and started a website, martincompplan.com, for people to discuss possible comp plan changes. “I don’t know of any way you

could have made it more grass-roots,” she said.

Hurchalla said the comp plan revisions weren’t one-sided in favor of environmentalists and others opposed to development. “I have had people from the

development community who do not altogether trust me sit down with me and help me write it,” she said. “I have had lunch with developers more in the last six months than probably my entire life.”

PLAN from page 1 “We don’t truly know how many properties are going to be af-fected by some of these changes ... Should we not understand

who we’re affecting, and should we not notice them?”

Commissioner Doug Smith

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Fire Academy answers all the burning questions

Finally, an explanation for why fire trucks seem to always show up when people call for ambulanc-es. “The No. 1 question we get

asked is why a fire truck accom-panies an ambulance on a med-ical call,” Dan Wouters, division chief at the Martin County Fire Rescue, said. The answer? “You have to go to the (Citizen

Fire Academy) to get that,” he said. The county’s next Citizen Fire

Academy starts on Wednesday, May 8. The seven-week program meets from 5:30 to 7:30 p.m. “The Fire Academy is a program

we started just over a year ago,” Wouters said. “It’s an opportunity for us to educate the members of the public exactly what we offer as a comprehensive department.” Lois Belding of Palm City

went to the third academy a few months back. “We got to see all of the equip-

ment,” she said. “We got to see an extradition from an automobile.” That’s a subdued way of saying

academy attendees got to watch the Jaws of Life rip a car open like a flimsy sardine can. “They had a car there,” Belding

said. “They demo-ed how they can do it, how fast they can get in there.” Belding has family members

Photo courtesy of Martin County Fire RescueOcean Rescue Lifeguards, Dan Lund, Dar Little and Blake Morrow simulate a rescue and medical care of a victim from the ocean.

See FIRE page 6


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man David Barr said. “Georgia has led the way.” According to FDIC records, na-

tionally about 485 banks failed and went into receivership since 2003. A little more than 14 per-cent, 69, were based in the Sun-shine State. Before 2008, it was unusual for banks to fail. From 2003 to 2007, only 10 banks failed. From June 2004 to Febru-ary 2007, none did. “That’s the longest period in our

history that we had no failures,” Barr said. Then 27 banks failed in the sec-

ond half of 2008, signaling a sea change. In 2009, a rash of bank closures

started hitting —140 that year. The bank-closure crisis hit its

peak in 2010. That year River-side was among 157 banks that closed and went into receivership. Another 92 did in 2011. Since the start of 2012, another 59 banks have folded and gone into receiv-ership. Three were added to that list on Friday, April 19. Two were in Florida. Barr said the FDIC starts ana-

lyzing the failed banks’ records quickly and communicating about possible legal actions with those it feels contributed to the closures with questionable ac-tions.“There’s a lag time, Barr said.

“We have three years under the statute of limitations to file (law-suits).” Barr said that the FDIC board

of directors has authorized 109 lawsuits naming 888 individuals since the wave of bank closures started in the second half of

2008. Not all of the named indi-viduals were directors and offi-cers. Some are individuals that provided professional services, such as law firms. “If our board of directors au-

thorizes a lawsuit, our staff will put together very detailed claims and file it in district court,” Barr said. “The defendants know it’s coming at that point. If they wish to settle, we can settle and not name them in the suit. If all the parties (named in a potential suit) get together and want to settle, we can do that.” The FDIC has filed 54 suits

against directors and officers of failed banks in recent years. Additionally, the FDIC turns over any evidence of criminal wrongdoing to the Department of Justice. In its suit against former direc-

tors and officers at Riverside, the FDIC named Cindy Robbins, Ray Horton, Robert McCarthy, Timo-thy McGuire, Susan Sproul, Steve Strickland and John Williams.Among other allegations, the

FDIC claimed in its suit Smith participated in making loans that violated policies the bank adopt-ed in 2006 after an independent auditor discovered too many loans had been secured against stocks held by Riverside’s holding company.“By approving stock-secured

loans in violation of Loan Policy

Steve ErlangerPresident/Publisher

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OUR MISSIONWe are here to provide our readers with completely unbiased news coverage. Fun and entertaining features about the communiti esin which they live.

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and failing to follow proper un-derwriting, the Defendants devi-ated from safe and sound bank-ing practices in a negligent or grossly negligent manner, caus-ing damage to RNB for, among other things, the Loan Transac-tions,” the complaint reads.The complaint claims that by

2009 Riverside charged off more than $16 million of outstand-ing balances secured by affiliate stock, which exasperated under-capitalization. Among the defaults were loans

that violated the 2006 policy made to Smith’s son and daugh-ter. According to the complain,

about $2.3 million of $2.5 mil-lion of loans made to Smith’s daughter — called K.P. in the suit — were charged off. The FDIC claims another $1.2 million of loans totaling about $1.33 million made to Smith’s son —called C.S. in the suit — were charged off. Riverside National Bank, which

Smith founded in 1982, had 60 branches in 10 Florida counties when it closed. An unidentified woman at

Smith’s home phone number responded to a Your Voice News & Views request to speak to him by saying, “Vernon won’t want to comment.”

BANK from page 1

involved in fire/rescue work. She long wondered about what exactly they did. She said the academy gave her positive feelings about the Martin County Fire Rescue. “I always said, ‘If something

happens to me, don’t call the fire department,’” she said. “Now I feel in good hands in any emergency.” Wouters said academy class

sessions average about 30 attend-ees each. Among the academy’s

past attendees is County Commis-sioner John Haddox, Palm City. “It’s an excellent presentation,”

he said. “It would answer a lot of questions as to why fire rescue does what they do.” The first class will be at the Fire

Rescue Administration, 800 S.E. Monterey Road, Stuart. Subsequent classes are at vari-

ous locations. Space is limited. To register to attend, call (772) 419-2759. Additional information is at the county’s website, martin.fl.us.

Photo courtesy of Florida Banking MagazineVernon Smith was once recognized for his ‘heart for banking’ by Florida Banking mag-azine in 2004.

FIRE from page 5

Before 2008, it was unusual for banks to fail. From 2003

to 2007, only 10 banks failed. From June 2004 to February

2007, none did.


Family spurs racer forward PALM CITY — For psychologist

Phil Cromer, fitness is a family af-fair. Cromer, a runner, is married to Dr. Julie Cromer, a Vero Beach dentist who runs and trains boot-camp style. Julie’s father, dentist John Cairns, and her sisters have run the Boston Marathon or Iron Man competitions. The Cairns also own the Jun-

gle Club in Vero Beach. Cromer’s 8-year-old son, Kai, occasionally runs with him and the two young-er sons, Koa, 3, and Kona, 10 months, are often at the sidelines, cheering him on. For Cromer, beginning a run-

ning regimen came, in part, from seeing his wife’s family in action. “As I saw them running and

competing and doing these fan-tastic achievements, I couldn’t stand on the sidelines,” he said. “Running is something I’ve always done on in an informal basis, but

I’ve become more serious in recent years.” Cromer now manages the

dental practice run by his wife and father-in-law, but he served for several years as director of counseling at the Jupiter campus of Florida Atlantic University. He would often meet stressed, frus-trated students. “Students would come in and

share their frustration and lack of motivation,” Cromer said. “Run-ning not only keeps you in shape, it’s such a motivator and stress reliever.” When he began running seri-

ously, Cromer got involved with the Treasure Coast Breakfast Club. Looking at their Facebook page, he could find out when peo-ple were running and what races were scheduled. “On Thursday or Friday, if I’m

thinking of a long run on the weekend, I’ll ask who’s running Saturday at 4 a.m.,” Cromer said. Photo courtesy of Phil Cromer

Phil Cromer crosses the finish line at the 2012 Palm Beach Marathon, while wife Julie, holding son Kona, snaps a photo and sons Kai and Koa cheer him on.

By Shelley KoppelStaff [email protected]

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“You get at least half a dozen peo-ple. I run most evenings, but most are out at 4:30-5 a.m., running all over Martin County. The group is just so dedicated. I’ve met a lot of people in the community.” Cromer has been thinking

about his goals for the next few months. “Last year, I set personal re-

cords in every race I ran, from a 5k 10k, half marathon and mara-thon,” he said. “I’d like to do that again. “I’d like to qualify for the Boston Marathon. I plan to run in the Jacksonville Bank race (in late fall) and target my qualifying time.

“Boston dictates what races qualify and what do not. Jack-sonville is one of those qualify-ing races. For someone my age, 41, and gender, I have to run a 3-hour, 15-minute marathon. I’m going to be working hard over the summer.” Cromer said that everyone has a

different training style. “It’s smart to choose shorter

races to gauge where your speed and endurance is,” he said. “The key to training is a long run on the weekends. The more you race, the more comfortable you get with your abilities. I do shorter mileage, eight to 10 miles three to four times a week, and 15-21 miles on the weekend.”

Cromer and he and his wife are thinking about running the Miami half marathon together and Kai, who completed a 5k race in Octo-ber, wants to do another one. Kai also has bigger ambitions. “I ran a half marathon recent-

ly and he asked me if he could,” Cromer said. “I said, ‘Lets’ work on the 5k.’ I like his enthusiasm, but I told him, ‘baby steps.’” All of the Cromers love going to

races. “It’s good for kids and fami-

lies to go out and experience the racing environment,” Cromer said. “It’s good for kids to see parents exercising, having good habits and being part of something bigger. The kids and their mom wait for me at the finish line. They get the medals.” Cromer said he has come to ap-

preciate fitness with three young boys. “When you have three boys, it’s

important to keep them moving,” he said. “We’re busy, but that’s the way we like it. We’re always planning something and doing something. The youngest is just learning to walk. He does his speed training in his walker, chas-ing his brothers.” While much of the family’s run-

ning is about fun and family as well as fitness, Cromer has a more serious message. “It’s fun, but the psychologist

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Runner on Boston bombsAs a psychologist, marathon

runner and father, Phil Cromer saw the tragic events in Boston through several different lenses. He spoke on April 18 about how the bombings at this year’s Bos-ton Marathon would affect his plans to try to qualify to run in the race next year.“It’s one of those things,” he said.

“It’s so important to rally around an activity that has so many pos-itives. This is such a tragedy. I’m going to continue to train for Bos-ton, and if I qualify, I’m going. Things like this can happen any-where and my family will abso-lutely go.” Cromer’s oldest son, Kai, is 8,

the same age as Martin Richard, who died watching his father at the finish line. While he wants his family to come to Boston with him, there are concerns.“I would like to have my family

there, but I’m not sure in what ca-pacity,” he said. “It’s hard to say if I’d have them at the finish line or along the route. That 8-year-old could have been mine. We’ve talked about it as a family. It’s im-portant to let kids know they are safe. Life does continue. We don’t want to make kids so paranoid that they’re afraid to be around groups.“I spoke to my 8-year-old and

told him that he is safe, that bad things sometimes happen to good people and that it’s important to move on. Good people don’t cow-er.”


part of me hopes to inspire people to exercise. Being healthy phys-ically and mentally go hand-in-

hand.”

For more information about the Treasure Coast Breakfast Club, visit the Facebook page www.face-book.com/group/BCrunning.

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Foster family finds love hundreds of times

Brian and Rose Bailey thought they’d try their hand at foster parenting for a little bit. That was in 1982. “I adopted myself right out of the system,”

she said. “My husband and I were foster par-ents for 23 years.” State rules forbid families with five or more

children from being foster homes. The mid-50s couple is now adoptive parents with a house-hold of seven trials, tribulations, tests of faith, needed school supplies … and love. Bailey co-facilitates classes and mentors younger fos-ter parents for United for Families. “In the process of the 23 years, we adopt-

ed eight children,” Bailey said. “My children range in age from 30 to 8.” Kenneth Bailey is among the adopted chil-

dren. The 25-year-old is on his second year in the Army and recently married Jacqueline. He went into foster care shortly after birth, and the Baileys adopted him when he was a tod-dler. Bailey said he hasn’t met his birth par-ents, to his knowledge, but would like to in the future. He said the Baileys, however, will always be Mom and Dad. “I was always in a big family,” he said. “I love

a big family, the hustle and bustle.” United for Families is a private agency that

provides foster homes and other services for the Department of Children and Families four-county Circuit 19, which includes St. Lucie and Martin counties. The DCF’s circuits

are along the same boarders as the Florida court system. Christina Kaiser, the agency’s director of community relations, said UFF is seeking more foster parents. “We do have a lack of foster homes,” she

said. “We have a need there.” The agency is hosting the Breakfast to Stop


Photo courtesy of the Bailey familyBrian and Rose Bailey have fostered more than 100 children, and adopted eight over 23 years.

See FOSTER page 12

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the Tears on Thursday, April 25, at the St. Lucie Civic Center, 9221 S.E. Civic Center Place, Port St. Lucie. The event, which is free and includes a complimentary break-fast, will be from 8:30 a.m. to 10 a.m. The annual event is to tell folks about what foster parenting is and is not. Circuit 19 has 98 foster homes.

At the beginning of the year, there were 104. Twenty-three of them ceased being foster homes, some due to adoptions, and 17 were added. The DCF wants an ad-ditional 14 foster homes in the four-county circuit. Last summer the DCF launched

Fostering Florida’s Future, a pub-lic-awareness campaign aimed at increasing the number of foster homes in the state by about 1,200. Dennis Miles, regional manag-ing director of the department’s Southeast Region, said the state’s added about 900 since then. Ad-ditionally, the department is over-hauling the foster-care system and making it easier for foster parents to normalize the children’s lives. Bailey said her husband and she

fostered more than 100 children. About 85 percent, she estimates, were reunited with their families. About 10 percent were adopted. Another 5 percent aged out of the system. She still regularly hears from many of them. “That’s so hard when they

leave,” she said. “I never was good at that. Every one that left took a piece of my heart.” She has a tip for would-be fos-

ter parents: “Reunification is our No. 1 goal,” Bailey said. “Embrace the whole family. It’s not just the child, it’s the whole family you must embrace.” She said some of the parents

whose children she fostered are now friends. However, Bailey was not always comfortable with re-unifications. “I had to rely on my faith and

hand it over to God to get through it,” she said. Bailey said most children are in

foster care for one to two years. The younger Bailey urges people

to consider fostering. “You give (children) a second

shot at life,” he said. “Right now, they’re in a tough situation.” He said the transition to a foster

home does seem to be harder for some children than others. “At first, they were like, I want

to be left alone,” he said. Howev-er, Bailey added, “They got over it, and started to blend in.”

UFF’s website is uff.us. Informa-tion for becoming a foster parent and the breakfast is at the site. The phone number is (772) 873-7800. April is National Child Abuse

Prevention Awareness Month. May will be National Foster Care Month.

FOSTER from page 10

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Is your portfolio truly diversified? Life is full of ups and

downs — and the financial mar-kets are no different. As an in-vestor, you’re no doubt happy to see the “ups” — but the “downs” can seem like a real downer. Isn’t there any way to help smooth out the volatility in your investment portfolio?First of all, to cope with volatili-

ty, it’s helpful to know what caus-es it — and there can be many causes. Computers that make trades in milliseconds, based on

mathematical models, are sometimes blamed for intr-aday volatility, but large price swings can also occur following the release of government economic re-ports, such as those dealing with unemployment and housing starts. Global events, such as the

European economic malaise, can also send the financial markets into a tizzy. By being aware of the impact of

these events, you can see that the workings of the markets — espe-cially their volatility — may not be as mysterious as you thought. Still, while knowing the causes of volatility can help you prepare for market swings, it won’t blunt their impact on your portfolio. To do that, you need to create

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See CHAPOGAS page 17

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Women’s Health Specialists offering leading edge services

JENSEN BEACH — For nearly 40 years, Women’s Health Ser-vices has served the health needs of women on the Treasure Coast. The obstetrics and gynecology practice has taken care of women at all stages of their lives, from pu-berty through menopause.Now the practice is expanding,

adding a new location, and offering services including physician-su-pervised weight loss and an aes-thetic center.While the practice has a satellite

office in St. Lucie West, it will open a larger facility close to Martin Health System’s Tradition Medical Center, now under construction. It will offer many of the same ser-vices, including digital mammog-raphy, now offered at the Jensen Beach location.The practice also offers aesthetic

services to women and men. Bill Hughes, the practice administra-tor, said it was a natural extension of offering services that are super-vise by a physician.“A physician is medical director,”

he said. “Each physician can refer patients.”Clients at the Jeune Nu Aesthet-

ic Beauty and Laser Center do not have to be patients of the practice. They can choose services that in-clude injectables and fillers, clin-ical facial treatments, laser treat-ments, Latisse, a prescription medication for insufficient eye-lashes, organic facials, chemical peels and CoolSculpting. The latter is an FDA-approved

non-surgical method for reducing bulges of fat. It uses cooling pan-els that target fat cells. It is done in the office, takes about an hour, and involves no downtime. The technology was developed after


See WHS page 15

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JeuneNu licensed aesthetician Lisa Sher-rell and Trina Sudhoff, aesthetic director from JeuneNu.

physicians observed how cold af-fected fat cells. “For years, frostbite victims had

permanent loss of fat layers,” Hughes said. “Children who ate a lot of popsicles had dimples in their cheeks from a similar loss of fat.” CoolSculpting involves position-ing the device on the body. It draws the bulge up between two cooling panels. There is a sensation of be-ing pulled, to make sure the select-ed tissue is efficiently cooled. “It has the results of liposuction,”

Hughes said. “The fat cells are killed. It removes 15-20 percent of a fat layer.” Results from the procedure be-

ing to appear approximately three weeks after treatment and are most noticeable after one to three months. The body takes that time to flush out the fat cells and it may do that for up to six months. The fat cells are eliminated, so if healthy eating and exercise habit are maintained, the results should remain.Patients who are interested in the

procedure can come in for a free consultation. Before procedures are performed, medical histories are reviewed by a physician or nurse-practitioner.While new services and locations

are exciting, the medical practice, consisting of seven physicians, three midwives, and a nurse-prac-titioner, remains the core of Wom-en’s Health Services. Whether it is screening for breast cancer, per-

forming minimally-invasive laparo-scopic procedures or counseling a patient on wellness, the staff’s goal is to provide the best care for wom-en.“There’s a great group of phy-

sicians,” Hughes said. “We stay up-to-date and always bring lead-ing edge practices to our patients and women’s health care,” Hughes said.There is an additional perk in

working at a women’s health prac-tice. “It’s always a joy to bring life into

the world,” he said.

Women’s Health Specialists is lo-cated at 3498 N.W. Federal High-way, Jensen Beach. For more information, call (772)

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Humane Society plans (micro)Chips Ahoy! event

PALM CITY — The Humane Society of the Treasure Coast will be conducting spay, neuter and microchip services at discounted prices during its (micro)Chips Ahoy! event on Sat., May 11, from 10 a.m. – 2 p.m. at its shelter, 4100 S.W. Leighton Farm Ave. in Palm City. The spay/neuter fee for dogs

and cats weighing 40 pounds or less is $30. Those with pets that weigh more than 40 pounds may sign up for a future appoint-ment to have their pet spayed/neutered for $80. Pets that are already spayed or neutered can get a microchip implant for just $10, which includes a 24-hour Pet Watch microchip and regis-

tration. Pet owners must call and preregister before May 9 for an appointment. Animals scheduled for a

spay/neuter procedure must be dropped off at the shelter between 8:30 a.m. and 9 a.m. the morn-ing of surgery. No food or water is allowed for the pet after 7 p.m. the night before surgery or the morning of surgery. For more information and to

register, call (772) 223-8822. Since 1955, the Humane Soci-

ety of the Treasure Coast, located at 4100 S.W. Leighton Farm Ave. in Palm City, has been the lead-ing advocate for animal welfare in the Martin County area. A 501(c)3 private, nonprofit organi-zation, the Humane Society relies on donations, wills and bequests to support its programs and ser-vices. As a local Humane Society, HSTC is run independently from

Discounted spay, neuter and microchipservices availableFor Your Voice News & Views

See CHIPS page 18

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a diversified mix of investments because your portfolio can be more susceptible to negative price movements if you only own one type of asset. To illustrate: If you owned most-

ly bonds, and interest rates rose sharply, the value of your bonds would likely drop, and your port-folio could take a big hit. But if you owned stocks, bonds, gov-ernment securities, certificates of deposit (CDs) and other invest-ment vehicles, the rise in interest rates would probably affect your portfolio less significantly. Unfortunately, many inves-

tors think that if they own a few stocks and a bond, they’re diver-sified. But you can actually ex-tend your diversification through many levels — and you should. For the equity portion of your portfolio, try to own stocks rep-resenting many market sectors and industries. Also, consider international stocks. And rather than just owning U.S. Treasury bonds, consider corporate bonds and municipal bonds, and diver-sify your fixed-income holdings further by purchasing short-term, intermediate-term and long-term bonds. Work with your financial advisor to determine the mix of asset classes and investments that are appropriate for your fi-

nancial goals and objectives.How you ultimately diversify

your portfolio depends on your risk tolerance, time horizon and long-term goals — there’s no one “correct” asset mix for everyone. And over time, your diversifica-tion needs may change. To cite one example, as you enter your retirement years, you may need to increase your percentage of income-producing investments while possibly reducing the amount of growth investments you own. These growth-orient-ed investments tend to be more volatile, and you may want less volatility during your retirement. However, even during retirement, you will need to own a certain percentage of growth investments to provide you with the growth potential you’ll need to stay ahead of inflation.Keep in mind that diversifica-

tion can’t guarantee a profit or protect against loss. Nonetheless, building a diversified portfolio may help take some of the vola-tility out of investing — so look for diversification opportunities whenever possible. Jamie Chapogas is a financial

advisor with Edward Jones, 2200 S.W. Town Center Way in Palm City. For more information on this topic, a free portfolio review or to request her as a guest speaker, call (772) 463-7189.

CHAPOGAS from page 13

Monica BrownMortgage Loan ConsultantAssistant Vice President772.621.9106 Office772.240.4461 CellNMLSR# [email protected]/mbrown

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Mortgage financing solutionsfor purchase or refinance. By taking the time to understand your specific needs and goals, I’ll help you identify the best mortgage options. From application to closing, I’m here to guide you step-by-step through the mortgage process.

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any national welfare or humane organization with no financial assistance from these groups. Follow the HSTC on Facebook

at http://www.Facebook.com/humanesocietyTC and Twitter at http://www.twitter.com/hstc1 and Instagram at hstcadopt. For more information, visit

http://www.hstc1.org or call (772) 223-8822.

CHIP from page 16

Seminar gives parents tools to develop their child’s reading skills Learn how to help your be-

ginning or struggling reader succeed with two workshops on the Reading Education Assess-ment and Development Program. Visit the Blake Library, 2351 S.E. Monterey Road, Stuart, at 6 p.m. on Monday, May 6 or stop by the Elisabeth Lahti Library, 15200 S.W. Adams Ave., Indiantown, at 10 a.m. on Friday, May 24. The workshop in Indiantown will be presented in both English and Spanish. Parents of children ages 1-7 are welcome to these free events. Sponsored by All About Achiev-

ing Learning Centers and pre-sented by Tina McSoley, M.Ed., this research-based seminar summarizes years of studies and

strategies and provides parents with tips and tricks used to devel-op a child’s critical reading skills, even before the child can read. Parents will receive materials

that assist in advancing their child’s reading skills through everyday activities. Registration is required and

limited to 25 participants at each workshop. To attend at the Blake Library, please call (772) 288-5702. To register at the Elisabeth Lahti Library, call (772) 597-4200.

To learn more about other Mar-tin County Library System pro-grams, call (772) 221-1403, pick up a Library Connection at any Martin County library or visit the library website at www.library.martin.fl.us.

For Your Voice News & Views

3215

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Thank you to all our fellow Chamber

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INcOME OPPORTUNITIES!Sat., April 27th at 10:00 am


Honor student

Photo courtesy of William DuffyBusiness student Lauren Sloat of Palm City was inducted earlier this month into the Indian River State College chapter of Sigma Beta Delta, an international honor society for business, management and administration. Forty candidates from IRSC were se-lected for the honor for 2013, offered to undergraduate and graduate students with a GPA of 3.0 or higher who are majoring in business, management or administration at an institution fully accredited by a regional accreditation entity.

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VETERANS HELP NEEDEDVeteran Voice, our weekly subscription newspaper for veterans and the military minded, is looking for a hard working, dedicated and SMART individual to help take this paper to the next level. Serving a four county area from Brevard south to Martin Co. We need aprofessional “jack of all trades” to help promote this publication,generate subscriptions and editorial submissions, sales leads, etc.Full time plus position, flexible schedule. Send a resume or letterto [email protected]

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Clubbin’FridaysBru’s Room Sports Bar DJ 10 p.m.-2 a.m. 1725 S.E. Federal High-

way, Stuart. For more information, call (772) 320-1297.

Latin Night with Showtime Entertainment at Maya’s Mexican Grill & Bar. 9 p.m.-2 a.m. 3099 S.W. Martin Downs Blvd., Palm City. For more information, call (772) 221-1093.

Crush Wine Bar DJ 9 p.m. until whenever. 100 S. Dixie Highway, Downtown Stuart. For more information, call (772) 600-5853.

The Sailor’s Return Live music 8 p.m.-11 p.m. 625 S.W. First St., Stuart. For more information, call (772) 872-7250.

Conchy Joe’s Seafood Live music by Rainfall 8 p.m.-midnight. 3945 N.E. Indian River Drive, Jensen Beach. For more information, call (772) 334-1130.

Musicfest Downtown Stuart, second and third Friday of the month, 6 p.m.-10 p.m. Free. 121 S.W. Flagler Ave., Stuart. For more informa-tion, call (772) 286-2848.

SaturdaysCrush Wine Bar DJ 9 p.m.-1 a.m. 100 S. Dixie Highway, Downtown

Stuart. For more information, call (772) 600-5853.

Stuart Grill & Ale DJ 9 p.m.-2 a.m. 1630 S.E. Federal Highway, Stu-art. For more information, call (772) 223-1978.


See CLUBBIN’ page 22

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The Ultimate Golf ExperienceA Public Course with a Private Feel ...The Ultimate Golf Experience

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FACILITIES INCLUDE:• 18 Hole Championship Golf Course • Restaurant with Full Bar

• Banquet Facilities • Stocked Golf Shop • Lessons with PGA Instructors • 15 Acre Driving Range with All Grass Tees

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Regular 18 Hole Golf Rate $75 everyday. Including cart w/G.P.S

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Junior GolfSuMMEr CAMPAges 9-15 beginning June 17th

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Performers use talents to give back

Photo courtesy of Artists Helping AllLes Can-Can Girls, Betty Dallas, Donna Verfaille, McKenzie Gall, Stacey Fox, Jamie Gall and Merilee Lawrence, rehearse a scene from ‘Murder at the Café Chat Noir.’ The women are members of Artists Helping All, an organization that provides free entertainment for non-profit groups in Martin and St. Lucie counties.

STUART — Performers have big hearts. They will often stage concerts or shows as fundra-siers or entertainment for wor-thy causes. Often, a performer has a particular organization that captures his interest.Artists Helping All is a group

of local performers who donate their time and talent to any nonprofit group in Martin and

St. Lucie counties. They provide entertainment, at no cost, and tailored for a specific event. If a nonprofit is planning an event and needs entertainment, AHA is ready to serve. AHA came about in 2012,

when Gale Baker, a playwright, author, jazz musician and actor directed the show “Ballroom” at the Barn Theatre. Several of the performers discovered that they


See AHA page 23

August 1st 6:00PM & 8:30PM

"Like James Taylor’s voice or B.B. King’s guitar, Alison Brown’s banjo is an instrument possessed of a unique sonic signature and an inescapable beauty....An artist who never ceases to delight." – Billboard Magazine



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QUARTETApril 28th 7:00PM

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April 26th 8:00PM

LyricTheatre.com Box Office 772-286-7827Love 32

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Conchy Joe’s Seafood Live music by Rainfall 8 p.m.-midnight. 3945 N.E. Indian River Drive, Jensen Beach. For more information, call (772) 334-1130.

SundaysCharlie’s Bar and Grill Karaoke 7:30 p.m. 4695 S.W. Kanner High-

way, Stuart. For more information, call (772) 288-4326.


Conchy Joe’s Seafood Live music by Rainfall 4 p.m.-8 p.m. 3945 N.E. Indian River Drive, Jensen Beach. For more information, call (772) 334-1130.

Rockin’ Riverwalk Music Series 1 p.m.-4 p.m. Variety of live music in Historic Downtown Stuart. October through May. For more informa-tion, call (772) 288-1010.

EventsFriday, April 26Darrell Gwinn at Wahoo’s Riverhouse. 4 p.m.-7 p.m. 915 N.W.

Flagler Drive, Stuart. For more information, call (772) 692-2243.

The Nouveaux Honkies at Wahoo’s Riverhouse. 8 p.m.-11 p.m. 915 N.W. Flagler Drive, Stuart. For more information, call (772) 692-2243.

String Theory at The Sailor’s Return. 8 p.m. 625 S.W. First St., Stu-art. For more information, call (772) 872-7250.

Rockin Jack at Crawdaddy’s. 7 p.m., 1949 N.E. Jensen Beach Blvd., Jensen Beach. For more information, call (772) 225-3444.

Saturday, April 27Hot Rod Band at The Sailor’s Return. 8 p.m. 625 S.W. First St., Stu-

CLUBBIN’ from page 20


3232

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loved the community in which they lived as much as they loved the theater. The core group of Baker, Jeanette Mazzella, Dante Marelli, Arlette Eulo and David Pierce, decided to combine both passions and AHA was born.The group can put on everything

from variety shows to murder mysteries. For an April 6 fund-raiser for the Hobe Sound Animal Protection League, the performers staged “A Celebration of Cats.” Anna McNeely, who performed on Broadway in the original version of the hit show “Cats,” was guest artist. A fundraiser for the Rosann Gregory Cancer Foundation on April 13 featured the original musical “Murder at the Café Chat Noir,” written by Baker and com-poser Max Mercury.The core group is joined by a cad-

re of dancers, singers and actors including Betty Ann Dingman, Slade Walter, Josephine Lovaglia, Lance Holbrook, Chris Mazzella, Stacey Fox, Betty Dallas, Don-na Verfaille, Gary Smith, Merilee Lawrence, Nick Wood, Jamie Gall and Beverly Westphal.When an event is scheduled,

the group rehearses once a week, often at the clubhouse in the con-dominium community in Stuart where Baker lives. As an event nears, they rehearse more fre-quently.The group has put together a list

of requirements for organizations wanting entertainment.No money changes hands. Every-

thing is done on a volunteer basis.The group does not produce

shows, advertise events or sell tickets.All groups with 501(c)(3) charters

are eligible. The performers do not pick and choose the groups they serve.AHA provides its own costumes,

unless the group requires a spe-cific theme. If specific costumes are required, the group asks that the organization provide them or provide a budget for them. For themed events that are not

in the group’s repertoire, AHA requires from four to six weeks notice to write and rehearse new material.The performers can work on

a stage or dance floor and only require “decent” lighting and an adequate sound system. They do reserve the right to examine the system. If necessary, the organiza-tion is asked to provide sufficient equipment.AHA requires that it be men-

tioned in any press releases about the event. For Gale Baker, it is all about

giving back while doing something special. “The giving back is the biggest

part, but you get a group of people who can give back with something they know how to do and enjoy doing.”

Performers interested in work-ing with Artists Helping All and non-profit groups interested in having event entertainment should contact Gale Baker at [email protected].

AHA from page 21

art. For more information, call (772) 872-7250.

The Jensen Beach All Starz at Wahoo’s Riverhouse. 8 p.m.-11 p.m. 915 N.W. Flagler Drive, Stuart. For more information, call (772) 692-2243.

Bowl your Brains out Blazer at Jensen Beach Bowl. 8 p.m. to mid-night. All you can bowl $11 per person. Black light bowling, every-thing glows in the dark, disco lights, music and fog. 2303 N.E. Dixie Highway, Jensen Beach. For more information call (772) 225-2695 or



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Alita at Crawdaddy’s. 7 p.m., 1949 N.E. Jensen Beach Blvd., Jensen Beach. For more information, call (772) 225-3444.

Sunday, April 28Gregg Jackson & Kurtis Wilson at Wahoo’s Riverhouse. 4 p.m.-8

p.m. 915 N.W. Flagler Drive, Stuart. For more information, call (772) 692-2243.

Big Coque Band at The Sailor’s Return. 3 p.m. 625 S.W. First St., Stuart. For more information, call (772) 872-7250.

Rick Collins at Crawdaddy’s. 6 p.m., 1949 N.E. Jensen Beach Blvd., Jensen Beach. For more information, call (772) 225-3444.

Wednesday May 1Ladies Night at Applebees. 10 p.m. to close. 2 for 1 drinks all night

and $1 wells for women. Music DJ Doe Dizzle. 3373 S.E. Federal Highway, Stuart. For more information, call (772) 223-6477.

Cruisers Bar Wacky Wednesday. 8 p.m. to midnight. Contests and prizes. Beer pong. $6 pitchers for players. 843 S.W. Federal Highway, Stuart. For more information, call (772) 232-6103.

Thursday, May 2Ronnie DeChambeau at The Sailor’s Return. 6 p.m. 625 S.W. First

St., Stuart. For more information, call (772) 872-7250.

Ladies Night at Stuart Cowboys’ BBQ & Steak Co. 8 p.m. Ladies Drink free 6 p.m. to 10 p.m. DJ, drink specials and free shots. 2902 S.E. Gran Parkway, Stuart. For more information, call (772) 287-8100.

Thursday Night at Stuart Ale House 10 p.m. to 1 a.m. DJ Dr. Dave will be spinning rock, old school, hip hop, house, breaks and freestyle. 21 and up. No cover. Drink specials. 1630 S. Federal Highway, Stuart. For more information, call (772) 223-1978.


StarStruck SummerAnnouncing StarStruck’s Exciting Summer Programs!

June 10-July 7Performances

PerformancesJuly 12-13

June 17-July 11Performance

July 11

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TeenStars (grades 7-12)

RisingStars (grades 3-7)

MiniStars (grades K-3)

Also ask about our amazing one-week programs!

July 5-7

June 17-July 13

make it a...

3282

St. Bernadette Catholic Church“Artists from around the world and around the corner.”

2013 Encore Concerts

www.StBernadettesCatholicChurch.org350 NW California Blvd., Port St. Lucie

772-336-9956 • 617-650-0130BoldTunes @aol.com

St. Bernadette Catholic Church

April 28, 2013at 4pm

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Children under 13 - FreeStudent - $10

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for pricing

330733

17

- Presents -

2013 Lincoln Day DinnerWednesday, May 1st

RSVP Today! Seating Limited to 300 andReservations are expected to go quickly

VIP PACKAGE: $225 per personVIP Package includes a Private Reception with Senator Rubio with an Open Bar, Passed Hors d’ oeuvres, and a Photograph with Senator Rubio, and VIP Dinner Seating

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Polish American Club343 NW Prima Vista Blvd.,

Port St. LucieFor payment options, or more information, please contact REC Secretary

Mary Ann Russell at (954) 830-8368. For more information, call the REC Office at (772) 249-0460

Cocktails (Cash Bar): 6:00 PM* Dinner (Surf & Turf): 7:00 PM

VIP Reception (See Below): 6:00 PMBLACK TIE OPTIONAL

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2013 PONTOON 22’ CRUISE Mercury 60 HP Motor 2 Left $22,198 less 20% = $17,758 Free Delivery in FL Astor Marine 24535 State Rd 40 Astor, FL 32102 352-759-3655

EDUCATION & INSTRUCTION

AVIATION MAINTENANCE / AVIONICS NOW TRAINING PILOTS! Financial aid if quali-fied. Job placement assistance. Call National Aviation Academy! FAA Approved. Classes Starting Soon! 1-800-659-2080 NAA.edu

MEDICAL CAREERS begin here – Train ONLINE for Allied Health and Medical Management. Job placement assistance. Comput-er and Financial Aid if qualified. SCHEV authorized. Call 888-203-3179 www.CenturaOnline.com

FINANCIAL

$$$ ACCESS LAWSUIT Cash Now!! Injury Lawsuit Dragging? Need $500-$500,000++ within 48/hours? Low rates Apply Now By Phone! 1-800-568-8321. www.lawcapital.com

HELP WANTED

AIRLINES ARE HIRING – Train for hands on Aviation Mainte-nance Career. FAA approved program. Financial aid if quali-fied – Housing available CALL Aviation Institute of Maintenance 866-314-6283.

DRIVERS...FREIGHT UP = MORE $ Recent CDL School Grads Wanted 888-592-4752 www.ad-drivers.com

NOW HIRING: Companies desperately need employees to assemble products at home. No selling, any hours. $500 weekly potential. Info. 1-985-646-1700 DEPT. FL-820

SURROGATE MOTHER NEED-ED Please help us have our baby! Generous Compensation Paid. Call Attorney Charlotte Danciu 1-800-395-5449 www.adoption-surrogacy.com FL Bar # 307084

REAL ESTATE

America’s Best Buy! 20 Acres - Only $99/mo! $0 Down, No Credit Checks, Money Back Guarantee Owner Financing. West Texas Beautiful Mountain Views! Free Color Brochure 1-800-755-8953

GEORGIA LAND SALE! Great investment! Relax & enjoy coun-try lifestyle! Beautifully devel-oped 1Acre-20Acre homesites. Augusta Area. Beautiful weather. Low taxes/Low down. Financing from $195/month. Call Owner 706-364-4200

GREAT TENNESSEE! VA-RIETY OF HOMES & LAND; Southeast Mountains, Valleys, Farms, Wooded Tracts, Gated Community. 800-516-8387, George Hamilton Land & Auc-tion, TAL 1557 www.hamil-tonauction.com

IRS PUBLIC AUCTION - KIS-SIMMEE - Nice 3BR/2BA/2CG, 1351sq.ft. living area. 853 Horseshoe Bay Dr. Sale: 5/23/13, 10:00am. at the Osce-ola County Courthouse. Sharon Sullivan 954-740-2421 www.irsauctions.gov

NC MOUNTAINS-ONLY $8900! 100 miles from Atlanta Western N.C. Mtn property. Paved roads, water & septic approved. BUY 1 GET 1 FREE Lots Available! April 27th. 1-877-717-5263 ext95

TENNESSEE LAND SALE - Lot prices reduced 30%-70%! Lo-cated in waterfront development, WindSwept on Cherokee Lake Near Asheville, NC & Knoxville. Starting @ $32,000. Call for details 865-690-6886

Affordable 2-4bd Homes From $900/moPreForeclosures & Rent2OWN Homes! Bad Credit OK! No Money Down! STOP Renting and OWN!! For more info and listings call 1-866-955-0622

HEALTH/MEDICAL

Do you Take Cialis/ Viagra? There’s an Herbal Alterative that’s Safe/ Effective. VigorCare For Men the perfect alternative to other products, with similar results. 60 Pills /99.00 plus S &H 1-888-886-1041 , herbal-remedieslive.com

VIAGRA/ CIALIS! Save $500.00! Get 40 100mg/20mg Pills, for only-$99! +4-Bonus Pills FREE! #1 Male Enhancement. Discreet Ship-ping. Buy The Blue Pill Now 1- 888-800-1280

Canada Drug Center es tu mejor opcion para ordenar medica-mentos seguros y economicos. Nuestros servicios de farmacia con licencia Canadiense e Inter-nacional te proveeran con ahor-ros de hasta el 90 en todas las medicinas que necesites. Llama ahora al 1-800-261-2368 y obten $10 de descuento con tu primer orden ademas de envio gratuito.

Canada Drug Center is your choice for safe and affordable medications. Our licensed Ca-nadian mail order pharmacy will provide you with savings of up to 90 percent on all your medication needs. Call today 1-800-749-6515, for $10.00 off your first prescription and free shipping.

CLASSIFIEDS 3281


A Plus Bookkeeping Services, LLC

• Weekly • Monthly • Annualweb: www.aplusbookkeeping.us

772-486-1219 3210

28yr exp. on treasure coastBOOK KEEPINGAvian & Exotic Clinic

of Palm CityApril Romagnano. PHD. DVM, ABVP

Avian Specialist - AAHA CertifiedEmergency Services24/7/365561-723-00254181 SW High Meadows Ave.Palm City772-600-8895 www.avianandexoticclinicofpalmcity.com

3213

Jerry BarBieriagency Owneroffice: (772) 621-2600cell: (772) [email protected] S.W. Martin Hwy.,Palm City, FL 34990

We Insure Florida / Over 100 “A” Rated Companies32

14

BARBIeRI InsuRAnCe GROup InC.

classic cleaners“Not the Biggest ... Simply the Best”

shirt laundry / alterations2625 Mapp Rd., Palm City 772-283-5200

3307 SE Federal Hwy., Stuart 772-220-1807

M-F 7:30am – 6:00pmSat. 9:00am – 1:00pm

3217

My Garage of Palm CityYour Dealer Alternative3463 SW Palm City School AvePalm City

(772) 600-7144www.mygarageofpalmcity.com

3233

of• Flat Tops• Fade & Scissor Cuts• Hot Shaves ... and more772-600-5094

3236

Call:(772) 878-3703Fax: (772) 343-7287www.repolicpa.com

3259

Michael R. Repoli, CPA, EA

income taxes.root canal.

Fortunately, we can help with themore painful of the two.

call: 772-878-3703 Fax: 772-343-7287 • www.repolicpa.com

3259

3274

YOUR MARKETPLACE93 Olds Cutlass Supreme Conv

105k, Power, 3.4 Ltr, 24 valveDbl O/H CAM Motor $1000 OBO

772-221-3338

Sell YourPersonal Itemsfor only$15.00/week

(772) 204-2409

ADVERTISE YOURGARAGE SALE

Direct mailed to Everyone!!!

Call us todayto place your ad

(772) 204-2409

ADVERTISE YOURGARAGE SALE

Direct mailed to Everyone!!!

4-post king size bedw/mattress & box spring

$1200 for all772-878-8720

Antique 5 pc Wrought IronDining $500 & Antique wicker

chaise w/pineapple legs$400 772-221-3388

YOUR AD HERE$15/week per paper

Direct mailed to Everyone!!!Call 772-204-2409 to place your Ad

Cars, Homes,Household Items


(772) 204-2409

No Businesses.Just Private Parties.


$1200 for all772-878-8720

RESIDENTIALITEMS ONLY

2002 Harley Davidson VRSCA (V-Rod) parts

Fender, Seats, Braces & much moreMisc. Parts/Jason (772) 631-6119


(772) 204-2409




$1200 for all772-878-8720

2001 Honda PreludeAutomatic Transmission, All Power

All original $5500 OBO772-332-1130





Whitewash tablesCoffee & end tablesWith bronze glass

$70 OBO 772-579-8788

3275

Visitwww.financialfreedomcash.com

772-201-5229

LegitimateWork at HomeOpportunity

3294

772-287-2294

Since 1973&Positive Impact Products910 Southeast Dixie Highway Stuart, FL 34994

We Can Engrave Just About Anything!!

3240www.StuartStamp.com

Computerworks, Inc.• Repairs• Networking• Trouble Shooting

PC & MAC

772-485-2190“Sunny” 32

52Call Mike for FREE Estimate

772-801-9484Licensed & Insured 20 yrs. in Business

Pressure CleaningDriveway anD roofs Patio sealing

3299


Plus . . . Get TheTREASURE COAST ADVANTAGES:• COMPLIMENTARY Pick-Up & Delivery • COMPLIMENTARY Lexus Loaner Cars• State-of-the-Art Showroom with FREE WiFi • COMPLIMENTARY Coffee and Cafe Bar• COMPLIMENTARY Car Wash & Vacuum• COMPLIMENTARY Shuttle Service • Huge Selection of Pre-Owned Vehicles

Treasure Coast Lexus

All vehicle images for illustration purposes only. All vehicles shown with optional equipment. 2.99 APR based on example A.P.R. with approved credit. $17.97/month per $1000 fi nanced for 60 months, $0 down. *All lease offers are for 24 months (2013 IS 250 18 months), 10K annual mi, $0 sec. dep, $4995 down payment/trade equivalent. $700 acquisition fee due at inception. ^ Lease cash bonus from Lexus: IS 250 $2000, RX 350 $1000, GS350 $1500. All offers plus tax, tag, title, registration, fi rst month’s payment, dealer fee excluded from price. Closed-end lease offers with automatic and select equipment, adding options increases lease payment. All offers require approved credit from Lexus Financial Services and a

720+ Beacon Score to qualify. May not be combined with other offers. For all lease offers, lessee pays maintenance, excess wear and tear, and $0.25 per mile thereafter. $350 disposition fee due at lease end. Must lease through Lexus Financial Services. All offers exclude prior sales. See dealer for details. Offers expire 4/30/2013. 42972-TRLE

Treasure Coast Lexus 772-672-8108 • www.TreasureCoastLexus.com5121 S. US HWY 1 • Ft. Pierce • MINUTES FROM ANYWHERE

ON THE TREASURE COAST

EARLY LEASE TERMINATION!

Bring in your leased vehicle, no matter how much you owe or length of time remaining on your lease… and get into a new Lexus today!

Sign & Drive!$0 Down Available To Qualifi ed Buyers!

NEW LEXUS APR FINANCINGFOR UP TO2.99%

60 MONTHS

NEW 2013 LEXUS IS 25018 MONTH LEASE!IT’S HERE!

THE SPECIAL

$199ONLY

18MONTHS!*

Lease Per Month

A $37,431 VALUE!

A $35,159 VALUE!

NEW 2013LEXUS CT 200h

A $39,796 VALUE!

NEW 2013LEXUS ES 350

A $43,050 VALUE!

NEW 2013LEXUS RX 350

A $52,613 VALUE!

NEW 2013LEXUS GS 350

$238LeasePer Mo.

ONLY

24MONTHS!*

$268LeasePer Mo.

ONLY

24MONTHS!*

$298LeasePer Mo.

ONLY

24MONTHS!*

$388LeasePer Mo.

ONLY

24MONTHS!*

$99AUTOMATIC TRANSMISSION! Air, Power Windows/Locks/Heated Mirrors, AM/FM/CD, Bluetooth, iPod Connection,Keyless Entry, Fold Down Rear Seats, Floor Mats, Cruiseand Much More! Stk# 130261, Model #1838

$16,990 or LEASE PER MO + TAX*

M.S.R.P. $19,338

NEW 2013 TOYOTA COROLLA LE34

MPGEPA EST. HWY

6-SPEED AUTOMATIC! Air Conditioning, Power Windows,Locks & Mirrors, AM/FM/CD/MP3/WMA Stereo With Aux Input, Overhead Console, Cruise, Tilt/Telescoping Wheel, Stability Control, TPMS, ABS & More! Stk# 130561, Model #2514,

$199$19,990 or LEASE PER MO + TAX*

M.S.R.P. $23,653

NEW 2013 TOYOTA CAMRY L35

MPGEPA EST. HWY

v

Treasure Coast Toyota

UNLIMITED TIME! UNLIMITED MILES!As long as you own your car, you’re covered!NON-FACTORY LIMITED WARRANTY GOOD AT PARTICIPATING DEALERSHIPS.

NEW CARS. EXCLUDES HYBRIDS. SEE DEALER FOR DETAILS.

LIFETIMEWARRANTY

Vehicles subject to prior sale. Due to early print deadlines prices may be subject to change without notice. All offers with approved credit and can not be combined. All new Toyota lease customers must be credit approved by SETF. *36 month leases, $4500 due at signing, 12K miles/year. Advertised leases & prices exclude tax, tag, registration, title & bank acquisition fee of $695. Dealer fee included on all advertised vehicles. Must have 740+ Equifax, Beacon 9.0 Autoscore. No security

deposit required. College Grad Rebate and Military Rebate are excluded in the Manufacturer/Factory rebates. $16.67 per $1000 borrowed. Not responsible for typographical errors. Sale ends 04/30/2013. 42972TRTO

Treasure Coast Toyota 1-866-482-1629 • www.TreasureCoastToyota.com5101 SE Federal Hwy (U.S. 1) • Stuart • MINUTES FROM ANYWHERE

ON THE TREASURE COAST

For 2 years with the purchase or lease of a new Toyota at Treasure Coast Toyota provided by Toyota Motors Sales. Covers normal factory scheduled service for 2 years or 25,000 miles, whichever occurs fi rst. See participating dealer for coverage details. The new Toyota vehicle can not be part of a rental or commercial fl eet. See participating dealer for complete plan details. Valid only in the continental United States and Alaska.

2 Years/25,000 Miles Complimentary Maintenance!

MSRP: $26,500SALE PRICE: $22,990 MSRP: $37,458

31 MPGEPA EST. HWY

AUTOMATIC TRANSMISSION!Air Conditioning, Power Windows & Locks, Tilt, Cruise and More! Model #4430, STK# 130558

,

$179or LEASE PER MO + TAX*

BRAND NEW 2013 TOYOTARAV4 LE

31 MPGEPA EST. HWY

V6! AUTOMATIC TRANSMISSION!V6, Pwr Heated Seats, Leather, Tilt/Telescopic SteeringWheel, Full Pwr Features, Rear View Camera, SteeringWhl Audio & Cruise Controls, Model #3548, STK# 130552

$33,999 BUY FOR JUST:

ALL-NEW 2013 TOYOTAAVALON TOURING XLE

WITH APPROVED CREDIT WITH APPROVED CREDIT TO QUALIFIED BUYERS A.P.R. WITH APPROVED CREDIT ON SELECT MODELS

$0 $0 0%

DOWN PAYMENT! PAYMENTS ‘TIL JULY! FACTORY FINANCING!

+ +

WHY SHOP AROUND?

3242


Photo to come

WE HAVE AFFORDABLE FINANCING PLANS

853 SE. Monterey Commons Blvd., Stuart, FL • Office: 772-287-3010 • Fax: 772-220-8218 www.DrSohl.com • Email: MSOHL @ DrSohl.com

Creating Smiles ~ Changing LivesDr. Michael Sohl is “The Gold Standard” on the Treasure Coast

• NiTrOuS OxiDE• OraL SEDaTiON

• rESTOraTivE• PrEvENTiON CHECk-uPS

• COSMETiC DENTiSTry• DENTaL iMPLaNTS

3289

NO aNxiETy • NO PaiN • NO STrESS

Dr. Sohl believes in offering dental facial aesthetics. In order to en-sure your new dental reflects your personality and facial features, Dr. Sohl provides state-of-the-art skin rejuvenation. Patients can receive

fuller lips, less wrinkles, and a reduction in skin discoloration and imperfection.

Dr. Sohl provides easy, flexible financing that allows you to make affordable monthly payments on major Dental procedures that previously may have seemed too cost prohibitive. Whether you need a procedure not covered by insurance or an aesthetic procedure you’ve always wanted—we can help you feel and look your best! Any major dental procedure is covered. We provide you with the financing you need, so you can accept treatment now and pay for the procedure over time. Dr. Sohl’s Office offers: • Credit decisions in as little as 30 seconds • Minimal fees and high approval rates • Affordable payment plans

all-on-Four/Teeth in a DayTM

Dr. Sohl is on the forefront of implant placement. He has a dental CAT scan unit on premises for computer guided implant placement protocols for Nobel Biocares All-on Four/Teeth in a DayTM procedures. All-on-Four/Teeth in a DayTM was developed to minimize the number of implants required to anchor a complete set of dentures. A full arch can be re-placed with four implants in a single visit, as opposed to as many as eight implants and multiple office visits.

before after

before after

are Dental implants right for you?

ask about how Botox can help improve your smile

Now, you have more options. Implant-retained dentures are permanent, and they look, feel, and function like natural teeth. You can smile and eat without fear of slippage. You can go to sleep at night and wake up in the morning with your teeth in place.

Documents

PalmCity 4-26-2013